美联储称他的政策性“信用放松”是为加强使用不同渠道来放松信用并增加支出——尽管他的政策性利率几乎为零。
The Fed calls its policy "credit easing" to emphasise that, though its policy rate is almost zero, it is using different channels to ease credit and boost spending.
手机银行方案还包含小额贷款，扩展了信贷渠道，而且能够建立贷款人的信用记录。
M-banking schemes can be combined with microfinance loans, extending access to credit and enabling users to establish a credit history.
此外，如果有太多因纠纷而产生的交易取消或退款的话，商户可能受罚或被限制使用信用卡受理渠道。
In addition, a merchant may be penalized or have their ability to receive payment using that credit card restricted if there are too many cancellations or reversals of charges as a result of disputes.
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