到底什么时候用That结构,什么时候用OF啊, 求NN们解惑
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 the 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