不过人们担心的是，旷日持久的信贷紧缩可能让微型金融模式下的借款人越长越像那些倒霉的次贷申请者。

But the worry is that a prolonged credit crunch could make microfinance clients start to look more like those hapless subprime borrowers.

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和个人房贷形成鲜明对比的是，针对地产商的开发贷逐步分化，各家银行对开发贷态度持越来越谨慎的态度。

And in stark contrast to personal housing loans, the development loans for real estate developers are gradually differentiating, the Banks hold more cautious attitude to the development loans.

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原：但在这些往复的增长的次贷顶板，关于越来越低消耗的说法在长期内是不可观的。

But in all the to-and-fro over raising the debt ceiling, little sensible has been said about lowering spending in the long term.

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