The improvement of bank credit efficiency is favorable to economic steady growth.
而目前大量存差的存在，显著降低了银行信贷效率，从而阻碍了经济的增长。
参考来源 - 金融产业资本循环理论与政策研究·2,447,543篇论文数据，部分数据来源于NoteExpress
因为从根本上来说，黄金的力学效率取决于黄金与以黄金为基础的信贷之间的比例。
For the mechanical efficiency of gold is, per se its ratio to the credit built on it.
现对比他们保证的贷款之承担着信贷危险(其他的危险又在有有价证卷的投资者所承担)所以变得更加有效率，担保生意也而且更加安全。
The loans they guarantee, in contrast, carry only credit risk (the other risks are borne by the investor in the securities).
我们看到金融体系在按集资者的信贷状况来分配资金方面未能达到应有的效率。
We see a financial system that is not as efficient as it could be in allocating funds based on the credit-worthiness of the fund raisers.
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