战后消费者借贷节节上升。
债券的收益经常被用来为住房贷款和其它消费者借贷的利率定位。
Its yield is often used to help set interest rates on mortgages and other consumer loans.
甚至进一步提高准备金要求也不可能有足够的影响(或作用)来减缓消费者借贷。
Raising reserve requirements even further might not have enough of an impact to slow consumer lending.
这些额外的需求压制着债券利率，并给企业和消费者借贷成本设了一个较低的标准。
The extra demand weighs on bond yields and sets a lower threshold for the cost of credit for businesses and consumers.
相关的官员认为这一举措将促使消费者借贷更多的钱，这样将拉动美国低迷的经济。
Officials thought this will encourage more borrowing amongst consumers which may then lift the sagging economy.
基准利率仍保持在0.25%到0.5%的区间，企业和消费者借贷的成本几乎未有增加。
The benchmark rate remains in a range of 0.25 percent to 0.5 percent, and borrowing costs for businesses and consumers have barely climbed.
星期二在新德里举行的世界经济论坛的一个首脑会议上，奇丹巴拉姆呼吁将印度消费者借贷利率从目前的13%下调数个百分点。
Speaking at a summit of the World Economic Forum in New Delhi Tuesday, Palaniappan Chidambaram called for Indian consumer lending rates to drop several points from the current 13 percent level.
低利率可以通过为消费者和商家降低借贷成本来促进经济发展。
Lower interest rates can boost the economy by reducing borrowing costs for consumers and businesses.
第二件要做的事就是要加快解决房贷危机。 这样，企业将更愿意参与借贷和拓展业务，消费者也更愿意花钱消费。
The second thing is to accelerate the resolution of the home mortgage crisis, which would make businesses more eager to borrow, expand and consumers more willing to spend.
失业率在八月份上升到6.1％。随着资产价格的下跌和紧缩的信贷使消费者的借贷更难，失去工资立即会对他们的消费能力有巨大的影响。
The jobless rate soared to 6.1% in August; with falling asset prices and tighter credit making it harder for consumers to borrow, lost paychecks will have a more immediate impact on their consumption.
消费者如果有能力继续借贷，他们就可以克服这些障碍。
Consumers could overcome even that handicap if they were able to keep borrowing.
美国消费者将不再是中国出口拉动型增长的引擎，而中国储蓄者也不再能够继续为美国的借贷提供资金。
US consumers are no longer going to be the engine for Chinese export-led growth, but nor can Chinese savers continue to finance American borrowing.
消费者不但缩减开支，他们也更少借贷，更多存钱。
Consumers are not only spending less; they're also borrowing less and saving more.
当利息较低时，消费者与商人并非仅仅借贷资金，他们将借来的钱购买资产，形成反馈循环，最终导致泡沫。
When interest rates are low, consumers and businesses do not just borrow money; they borrow money to buy assets, setting up a feedback loop that can eventually lead to a bubble.
冷静、保守、规避风险的机构，旨在接手客户的资金，然后谨慎地借贷给优质企业或消费者。
Sober, conservative, risk-averse institutions designed to midwife customers' capital and enable prudent lending to deserving businesses and consumers.
低利率有可能加速通货膨胀，因为公司和消费者愿意加大消费，而且在利率低的时候增加借贷。
Low interest rates can accelerate inflation because companies and consumers are willing to spend more and take on more debt when rates are low.
收紧的银根和下跌的资产价格暴露了消费者的过度借贷，迫使他们更多地积蓄，从而也导致了需求的急遽下滑。
Demand has plummeted as tighter credit and sinking asset prices have exposed consumers' excessive borrowing and scared them into saving more.
消费者现在花费的较少，借贷的较少，也较不常开车。
Consumers are spending less, borrowing less and driving less.
起始于美国大批房屋贷款无法偿的全球金融危机，目前已经迅速漫延，导致银行借贷枯竭，消费者支出下降。
The global financial crisis, which began with massive defaults on home loans in the United States, has spread rapidly as bank lending has dried up and consumer spending had dropped.
如果储蓄率骤增，最大的原因是消费者不愿意或者没有能力借贷。
If the savings ratio is going to jump, it is most likely to be driven by the reluctance or inability of consumers to borrow.
如果债务水平过高或借款数目过大，借贷会影响利率并进一步影响消费者信心水平。
And if the level of debt or the amount of borrowing is sufficiently high, borrowing could affect interest rates and further affect the level of confidence.
但如果消费者足不出户，不愿消费的话，仅仅对银行借贷进行治疗，不足以解决问题。
Curing bank lending alone will not solve the problem if consumers crawl into a hole.
信用卡的使用大大普及了，技术创新使得越来越多的消费者能够获得贷款，其中也包括次级借贷者。
Credit-card use expanded rapidly, and technological innovations gave more consumers access to credit, including subprime borrowers.
以美洲银行(Bankof America)为首的美国几家大银行1月18日公布了2004年第4季度财报，数据显示，由于普通消费者和公司客户借贷增加以及信用质量的提高，其中有3家大银行的季度盈利水平创下了历史新高。
Three of the biggest U.S. Banks, led by bank of America Corp., reported record quarterly profits on Tuesday as consumers and companies borrowed more and credit quality improved.
随着互联网消费者金融服务日益便利，越来越多的人购物的时候不用顾虑太多价格的因素。为了让消费者们更方便地“买买买”，很多电商都推出了小额借贷服务。
The increasingly convenient internet consumer-finance services in China have helped more people to shrug off concerns about shopping as they can afford more purchases by borrowing small loans.
随着互联网消费者金融服务日益便利，越来越多的人购物的时候不用顾虑太多价格的因素。为了让消费者们更方便地“买买买”，很多电商都推出了小额借贷服务。
The increasingly convenient internet consumer-finance services in China have helped more people to shrug off concerns about shopping as they can afford more purchases by borrowing small loans.
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