If the companies never invest, Banks never loan, neither residents consume, the prospect of economy will turn more terrible and dismal.

原因是如果企业不投资，银行不贷款，居民不消费，那会使得经济下行的压力会更大。

youdao

If that were the case, even under the fraction reserve system, banks would never be able to loan the amount of money they do.

FORBES: Reviving The Gold Standard Would Never Work

Some claimants never even had a loan, let alone a PPI policy, with the banks who receive demands for compensation, they say.

BBC: PPI: How did the bill ever get so big?