无论如何，他说房地产市场的借贷条件意味着销售将重新振作。

However, he said that lending conditions in the housing market meant sales could pick up.

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他的资金条件的优势是储蓄大于借贷，这就减少了对批发市场的依赖，而且他的核心业务不断的产生大量的预先规定的收益。

Its funding position is excellent with deposits exceeding loans, reducing its dependence on wholesale markets. And the core business continues to generate lots of pre-provision earnings.

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信贷市场恢复很重要的一个先决条件就是更低的银行同业拆放利率，它不会自动的让借贷得到恢复。

While lower interbank rates are an important precondition for a recovery in lending markets, they won't automatically lead to a lending revival.

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