所谓信贷消费，其实就是商家或金融机构对消费者进行的信用供与。
Credit consumption means the supply of credit to consumers by the businesses or financial institutions.
信贷消费指的是一个人凭借自己的信用来提取钱进行购买商品或服务。
Consumer credit involves offering a person credit so that he or she has the money to buy goods or services.
个人信贷消费的快速增长要求商业银行具有较为完备的信用风险管理体系。
The fast growth of personal credit consumption requests the bank to have perfect credit risk management system.
在世界上许多国家，信贷消费由来已久，已经成为一种非常普遍的经济现象。
In many countries world, Consume credit is time honoured, has been a much universal economic phenomenon.
伦敦大主教理查德·恰特昨天说：裁员可能是上帝对作为信贷消费牺牲品的城市工人的祝福。
Redundancy could be a blessing in disguise for City workers who have fallen victim to the credit crunch, the Bishop of London said yesterday.
居民理应结合自身的实际需求，不断更新消费观念，根据市场状况理性消费并善于利用信贷消费。
Residents should constantly renew consumption concept combined with practical selves demand, consume reasonably according to the market and be good at making use of loan consumption.
国外经验表明，个人信用评分模型作为一种有效的个人信用风险管理工具，在商业银行的信贷消费决策中起到了非常重要的作用。
The foreign experience indicated that, as an effective individual credit risk management tool, credit rating model played a very important role in the commercial banks' credit decision-making.
8月份新的消费信贷下降至37亿美元。
公司贷款和部分消费者信贷，例如信用卡和汽车贷款，都不稳定。
Corporate lending and parts of consumer credit, such as credit cards and car loans, are wobbly.
本月的宏观经济数据虽然依然不景气，但其中也有一个亮点：消费信贷支出有所增长。这是2008年8月以来的第二次。
There was one bright spot in the otherwise gloomy economic data that started this month: Consumer credit spending increased for just the second time since August 2008.
成本低廉的信贷引发了消费支出的急剧膨胀，此后七年中，希腊经济扩张速度颇为强劲，年增长率高达4.2%。
The cheap credit ignited an explosion in consumer spending. For the next seven years the economy expanded at a strong annual rate of 4.2%.
较少的消费信贷是否意味着会有较少的人拥有房屋或汽车哪？
Would lesser availability of consumer credit mean that fewer people would own a house or a car?
这毫无疑问会伴随着消费信贷工具的扩张而出现，但是，扩张带来的好处貌似要远胜于其负面影响。
This has clearly been the case with the expansion in consumer credit instruments, but the benefits from this expansion seem to have far outweighed the costs.
一旦信贷放宽消费增加，通胀预期就上升的风险就会增大。
There's more risk that expectations could rise once credit loosens up and spending accelerates.
面对信贷约束和消费需求骤降的预计，公司只能大幅减产。
Faced with credit constraints and forecasts of plunging consumer demand, companies slashed production.
可以看到，消费信贷的供求也出现了类似的同步下降趋势。
A similar synchronised decline in supply and demand is visible in consumer credit.
紧缩的信贷也导致了消费水平下降。
对印度来说，信用卡、车贷等消费信贷都算是相对新鲜的事物。
Consumer credit, whether CARDS or car loans, is relatively new to India.
美国国际集团将保留消费信贷巨头美国通用财务公司20%的股权。
AIG will retain a 20% interest ni AGF, a leading provider of consumer credit.
通过的按揭申请急剧下降，而且调查显示，银行迫切希望收缩其他类型的消费信贷。
Mortgage approvals have already fallen sharply and surveys indicate that banks are eager to restrict other types of consumer lending.
经济泡沫的后遗症—资产价格下降，过高的消费信贷以及银行损失在现在看来都妨碍了支持消费的能力。
The legacies of that boom—falling asset prices, high consumer debt and bank losses—may now hamper the ability of central banks to prop up spending.
此外，由于减少在美国市场的消费信贷业务，汇丰银行在美国面临着持续的损失。
On top of that HSBC faces continued losses in America as its winds down its consumer business there.
所有这一切表明，信贷紧缩正在走向高档消费市场。
All this indicates that the credit crunch is going up-market.
让我们别去指望一轮信贷推动的消费热潮能拯救自己。
Let us not hope that a credit-fuelled consumption binge will save us.
二者都避免了其同侪所沉溺其中的信贷扩张，消费过度，房价泡沫以及贸易赤字。然而，谨慎并未使他们免受其害。
Each avoided the credit expansion, consumer frenzy, house-price bubbles and trade deficits indulged in by many of their peers.
首先，经此一役之后，银行对于消费信贷将会越发审慎。
For one thing, those Banks left standing after the bust will be far more parsimonious with consumer credit.
得益于美国，英国及西班牙受信贷驱使的消费繁荣，德国企业向其出售了大量高品质的轿车及其他耐用品。
German firms sold into the credit-fuelled consumer booms of America, Britain and Spain, supplying high-quality cars and other durable goods.
该业务的利润率非常高：巴西银行消费信贷的净息差约为16%，而工商企业与农业企业贷款的息差则约为6%。
This is highly profitable business: Banco do Brasil's net interest margin on consumer lending is about 16 per cent, compared with about 6 per cent on business and agribusiness lending.
该业务的利润率非常高：巴西银行消费信贷的净息差约为16%，而工商企业与农业企业贷款的息差则约为6%。
This is highly profitable business: Banco do Brasil's net interest margin on consumer lending is about 16 per cent, compared with about 6 per cent on business and agribusiness lending.
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