restrictive covenants meaning in English

限制使用财产协定

The result of the analysis of the model in this article shows , the commercial banks of china would face the dilemma hi the design of restrictive covenants of consumption credit after the period of the rapid increase of consumer loans under the condition of the restrictive interest rate of consumer loans
本文的模型分析表明，在消费信贷利率限制的条件下，在消费信贷经过一段时间的高速发展后，中国商业银行将面临消费信贷合约设计中的困境。中国商业银行无法根据借款人的风险类型设计出分类式消费信贷合约来，所以实行单一合约，并要求较高的担保。