该银行的信贷传统在整个经济周期中都保持一致，这意味着它在繁荣时嗲会失去市场份额，但在像如今经济衰退的情况下却可以赢得业务。

The bank's credit culture is consistent throughout the cycle, meaning that it loses market share in boom times and wins business in environments like this one.

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信贷环境已经从需求导向型变为供给限制型，这意味着市场份额将公开投标，定价能力已经明显增强。

The credit environment has changed from being demand-driven to supply-constrained, which means that market share is up for grabs and pricing power has increased markedly.

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Credit Suisse(瑞士信贷)认为诺基亚智能手机的市场份额将在2009年降至41.6%，并导致其利润率降低。

Credit Suisse said it expects Nokia's smartphone market share to fall to 41.6 percent in 2009, hurting profit margins.

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