首先，利率下调可能比预期的时间要久。第二，贷款可能下降。第三，坏帐可能抵消大部分的成效。

First, interest rates may take longer to fall than is hoped. Second, lending may fall. Third, bad loans could wipe out much of any improvement.

《柯林斯英汉双解大词典》

接着考虑贷款提交系统的第二和第三个事务处理。

Consider the second and third transactions of the loan submission system.

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当申请者在线提交了贷款申请时，第二个事务处理被启动。

The second transaction was initiated when the applicant submitted the loan application online.

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