在较大的少数民族社区内，已使用轮流信贷协会来筹集资金。

Within the larger ethnic community, rotating credit associations have been used to raise capital.

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此外，较大的下行风险仍然存在，包括可能出现二次衰退或该地区银行的资金困难增大。

Moreover, significant downside risks persist, including the possibility of a double-dip recession or increased financial difficulties for Banks in the region.

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而规模较大的公司几乎没有债务，并且拥有大量资金。

But the biggest have little debt and lots of cash.

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