是时候通过降低需求和收紧借款标准：未用的信用贷款之最高额度在第一季度剧跌了30%。
That's due both to lower demand and tighter lending standards: unused lines of credit fell by a dramatic 30% in the first quarter.
向关系人发放信用贷款或者发放担保贷款的条件优于其他借款人同类贷款的条件的。
Granting credit loans or surety loans to any of its connected parties on conditions superior to the similar loans granted to other borrowers.
但是在银行发放信用贷款的时候，由于银行没有获得相应的保证以及担保物，就势必需要对借款企业的会计信息进行全面分析，尽可能降低信贷风险。
However, as there is no guarantor or collateral while offering a credit loan, bank officers need to analyze the borrower's accounting information comprehensively to reduce the risk to the bottom.
但是在银行发放信用贷款的时候，由于银行没有获得相应的保证以及担保物，就势必需要对借款企业的会计信息进行全面分析，尽可能降低信贷风险。
However, as there is no guarantor or collateral while offering a credit loan, bank officers need to analyze the borrower's accounting information comprehensively to reduce the risk to the bottom.
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