According to Vincent Chang of Goldman Sachs, credit is a luxury.

就像高盛的Vincent Chang说的那样，(对银行而言)信誉是一件奢侈品。

youdao

The PM spent an hour discussing the financial crisis with Premier Vincent Siew Wan-chang.

CNN: Money for Influence?

Their stories of triumph and tribulation have been chronicled as cover stories in FORBES ASIA in the past year, including features on Li Ka-shing, Steve Wynn, Teresita Sy-Coson, Simon and Eleanor Kwok, Vincent Tan, Shyam and Hari Bhartia, as well as Morris Chang, the FORBES ASIA Businessman of the Year in 2012.

FORBES: A Message From FORBES ASIA Publisher William Adamopoulos