这些模型的考虑重点是借款公司的资产价值。
Such models focus on the capital value of the lending companies.
和其他管道问题一样，导致的后果可能很严重，因为当拆入资金成本提高时，银行会将成本转嫁给消费者和借款公司。
And like other plumbing problems, this could have severe consequences, because when Banks pay more to borrow they pass the cost on to consumers and companies.
其令人惊讶之处在于，还有哪家银行，哪家借款公司，哪位抵押人能够保持清偿债务的能力，而并不是有如此多的借款者拖欠债务。
The wonder is that any bank, any corporate borrower, any mortgagor could have remained solvent, not that so many defaulted.
现在，借款公司在想尽办法收回透支贷款，但是很多逾期者根本不愿偿还，因为他们相信只要长期撑下去，他们的债务就会被一笔勾销。
Now, lenders are struggling to retrieve their advances but many defaulters are reluctant to pay because they believe their debts will be written off if they hold out long enough.
这家公司拖欠借款。
向金融公司借款费用真够高的。
公司签发汇票是因为它们是借款的捷径之一。
Companies issue bills because they are a convenient form of borrowing.
在这次信用危机之后公司被洗盘，当时他们能够考虑的是向银行借款。
Companies hunkered down after the credit crisis, taking out bank loans when they could.
如今他们所面临的困境是大多数公司通过借款为其经营活动筹集部分资金，这可能将普通的透支行为引向庞大的辛迪加贷款。
The difficulty they face is that most companies fund their operations in part through borrowing, which can stretch from simple overdrafts to huge syndicated loans.
但是，当复苏的出现变得更有把握时，公司都想要借款从而补充存货，购置新的设备。
But when recovery seems more assured, firms will want to borrow to beef up inventories and buy new equipment.
但是部分解释也可作另一种解读：显著的充足流动性，较低的公司借款以及对高风险的胃口。
But part of the explanation could also be cyclical, notably abundant liquidity, low borrowings by companies and high risk appetites.
大型公司可以再度通过发债借款。
危机使得银行借贷能力下降，公司也不太愿意借款，至少这种情况得维持几年的时间。
The crunch has made Banks less able to lend and companies less willing to borrow, at least for a few years.
显然，该公司可以尝试让其在股市的借款翻翻，并且为偿还泄漏有关的花费而签下新债务。
Clearly, it could try to roll over its borrowings in the market and issue new debt to pay for spill-related costs.
以股票回购为例，公司动用其现金（或借款）以缩减股本。
Take share buy-backs, for instance. Companies used their cash (or borrowed money) to reduce their share capital.
然而过多的借款则会给公司带来太大的风险，抬升其筹资总成本。
Too much, though, makes a firm too risky, raising its overall cost of capital.
这些公司不采取活期存款，依靠短期借款。
They do not take demand deposits, relying on short-term borrowing instead.
是因为过度负债的家庭和公司不愿借款？还是银行不愿意放款？
But is this because over-leveraged households and firms have become less willing to borrow, or because Banks have become less willing to lend?
为解决资金问题，公司计划向外借款，并将两位数的价格增长转嫁在消费者头上。
To foot the bill, it plans to borrow and to slap double-digitprice increases on consumers.
一些国家大额的公司贷款也是外币，不过货币贬值对公司借款人来说是把双刃剑。
A big share of loans to companies in some countries is in foreign currencies, too, though devaluation is a two-edged sword for corporate borrowers.
借款投机资产市场并不局限于民营公司。
Borrowing money for asset market speculation is not restricted to private companies.
布什希望国会放松对已经通过的250亿美元借款的限制，以帮助公司改进产业结构，生产节能型汽车。
Bush wants Congress to loosen the conditions on an already approved $25bn loan intended to help the companies to remodel their factories to produce fuel-efficient vehicles.
雅典本地的Leadfinance首席执行官，重组专家Haris Stamoul is称，在希腊，许多好的公司无力偿还银行借款。
Restructuring specialist Haris Stamoulis, the chief executive of Athens-based LEADfinance, says Greece has many good companies which are saddled with bank debts they cannot pay.
在拥有220万借款人的AP，SKS公司已对贷款利率降低两个百分点。
SKS has voluntarily shaved two percentage points off its loan rates in AP, where it has 2.2m borrowers. But it is barely functioning in the state anyway.
最近全球债券市场上私营公司发行债券的势头趋于看涨，这是因为银行和公司借款者(corporate borrowers)之间产生“脱媒现象”(disintermediation)或者叫“逆中介化现象”(即指资金需要者采取发行证券而不是采取向金融机构借款的方式筹措资金)。
The markets are seeing a rising trend of securities being issued by private companies, a result of the disintermediation between the banks and corporate borrowers.
最近全球债券市场上私营公司发行债券的势头趋于看涨，这是因为银行和公司借款者(corporate borrowers)之间产生“脱媒现象”(disintermediation)或者叫“逆中介化现象”(即指资金需要者采取发行证券而不是采取向金融机构借款的方式筹措资金)。
The markets are seeing a rising trend of securities being issued by private companies, a result of the disintermediation between the banks and corporate borrowers.
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