其他名称有私人信贷公司或消费者信贷公司。
Other names for them are personal finance companies or consumer finance companies.
第二，目前，私人信贷需求的疲软足以抵消利率的上行压力。
Second, the weakness in private credit demands will substantially offset pressures on rates for now.
这些流动性工具向借款者征收惩罚性利率，它们在私人信贷复苏的情况下，就没什么吸引力了。
Those liquidity facilities charge borrowers a penalty rate which makes them less attractive as private credit returns.
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