只要人们还保持乐观，信用创造就很难控制。

For as long as people are optimistic, the creation of credit is hard to restrain.

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部分银行和联储过度的信用创造导致了衰退的发生。

The genesis of a recession is caused by excessive credit creation on the part of Banks and the Fed.

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以此，能够为建立信用创造与金融虚拟良性互导机制奠定坚实的基础。

Based on this, we can lay a solid foundation for the interaction mechanism of credit creation and financial virtualization.

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