银行已削减了透支项目和未使用的信用额度，退出了贷款联合会和突然要求收回贷款。

Banks have cut overdraft facilities and unused credit lines, withdrawn from lending syndicates and abruptly called in loans.

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不过，哈继铭补充称，去年末，未使用贷款总量较先前1.6万亿元人民币的高点已有所回落，因此，摆在决策者面前的这种风险可能会逐渐降低。

However, Mr Ha adds that the volume of unused loans at the end of last year was down from a previous high of Rmb1,600bn, so this danger for policymakers could be diminishing.

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另外，信贷额度可以特遣队：一个未使用的循环贷款额度，可以利用在紧急情况下，立即抵押资产。

Alternatively, the credit facility can be contingent: an unused revolving line of credit that can be accessed in an emergency, instantly encumbering the asset.

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另外，信贷额度可以特遣队：一个未使用的循环贷款额度，可以利用在紧急情况下，立即抵押资产。

Alternatively, the credit facility can be contingent: an unused revolving line of credit that can be accessed in an emergency, instantly encumbering the asset.

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