老师，对于这题ABC的their还有DE的they.他们指代有没有问题呢，就近的话我可以理解成指代records吗The loan company announced it would soon lend money to borrowers with proven records of their not paying back their loans on time,collectively known as subprime lending market. A.of their not paying back their loans on time B.of not paying back their loans on time, a group C.of not paying back their loans on time,with such a group D.that they do not pay back their loans on time. E.that they do not pay back their loans on time,such a group