这是基准利率以百万计的企业和消费者贷款。
That's the benchmark rate for millions of business and consumer loans.
几乎半数受访信贷员称消费者贷款需求走软。
Almost half of loan officers reported weaker demand for consumer loans.
和给公司企业的贷款相比，消费者贷款数额要小。
While consumer loans are small in amount compared to those made to business firms.
因此专门从事向消费者贷款的公司有时又称小额贷款公司。
Companies that specialize in making loans to consumers, therefore, are sometimes called small-loan companies.
布什说：“金融系统的倒闭将导致银行停止互相贷款，停止向商家和消费者贷款。”
"The failure of the financial system would cause Banks to stop lending money to one another and to businesses and consumers," he said.
西班牙银行认为，此举对于体制的净效应是中立的，因为它同时也限制了不良消费者贷款政策。
The Bank of Spain maintains that the net effect on the system will be neutral since it is also tightening rules for bad consumer loans.
2008年和2009年，被消费者贷款坏账和其他冲击淹没的外国银行，紧缩了信贷。
In 2008 and 2009 foreign Banks, burned by bad consumer loans and shaken by events elsewhere, withdrew credit.
2007年上半年，个人破产上升了48%，下半年可能更多，掀起了一波消费者贷款违约的浪潮。
Personal bankruptcies rose 48 per cent in first half of 2007, probably even more in the second half, which means a wave of defaults on consumer loans.
除商业贷款的较容易的条款之外，许多大的银行也已在各种类型的的消费者贷款上放松标准。
In addition to easier terms for business loans, many large Banks also reported having eased standards on various types of consumer loans.
假设，美联储不管其利率，商业银行的首要贷款利率，在消费者贷款和固定信用卡上利用固定利率将保持在3.25%。
Assuming the Fed leaves rates alone, commercial Banks' prime lending rate, used to peg rates on certain credit CARDS and consumer loans, will stay about 3.25%.
然而很多消费者贷款利率是与银行的优惠利率挂钩，这优惠利率又是紧盯美联储的短期基准利率，这一利率持续接近于0。
Many consumer loan rates, however, are pegged to Banks' prime rate.That rate, in turn, is tied to the Federal Reserve's benchmark short-term rate, which remains near zero.
然而很多消费者贷款利率是与银行的优惠利率挂钩，这优惠利率又是紧盯美联储的短期基准利率，这一利率持续接近于0。
Many consumer loan rates, however, are pegged to banks' prime rate. That rate, in turn, is tied to the Federal Reserve's benchmark short-term rate, which remains near zero.
TIMGEITHNER还说：“约40%的消费者贷款都可以得到，因为人们购买贷款、将其组合并出售。”
TIM GEITHNER: "Roughly 40% of consumer lending has typically been made available because people buy loans, put them together and sell them."
他表示，有关银行贷款的报告显示出消费者贷款出现大幅度下降，其中包括信用卡贷款；商业和工业贷款也有所减少。
He said reports on bank lending show significant declines in consumer loans, including credit card loans, and commercial and industrial loans.
“菲岛银行、菲律宾储蓄银行，以及许多消费者贷款机构，都把消费贷款视为一种产品，这是产品主导的策略，”他说。
"BPI, Philippines Savings Bank, and a lot of consumer lending institutions go into consumer lending as a product, so it's a product driven strategy," he said.
虽然美林很快就有美国银行的巨额存款做靠山，但传统的商业银行仍然因为商业和消费者贷款违约和拖欠事件不断上升而遭受沉重打击。
While Merrill will now have quick access to Bank of America's deposits, traditional commercial banks are being pummeled by rising delinquencies and defaults in commercial and consumer loans.
伍德及其他一些人警告说，消费者贷款机会减少和收入增幅下降将导致他们进一步抑制开支，而这是推动美国经济的主要动力。
Mr. Wood and others caution that consumers' reduced access to credit, combined with slowing income growth, will further dent consumer spending, the main driver of U. S. economic activity. The U.
不幸的是，降低银行贷款极可能通过阻碍消费者的购买(特别是在耐用品消费开支上)，或者通过限制其他公司为消费者贷款，减少了购买行为，从而延缓了复苏。
Unfortunately, reduced bank lending may well slow the recovery by damping consumer spending, especially on durable goods, and by restricting the ability of some firms to finance their operations.
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.
在第三季度，不能如约偿还贷款的消费者有所减少，标志着贷款违约损失最惨重的阶段已经过去。
Fewer customers failed to repay loans during the quarter, another sign that the worst losses from loan defaults could be in the past.
拥有这些资产的银行正在限制信用，让商家和消费者更难取得贷款。
Banks holding these assets are restricting credit, making it harder for businesses and consumers to get loans.
银行不贷款；企业和消费者不开支。
Banks aren't lending; businesses and consumers aren't spending.
二是设立消费者金融保护署，旨在避免消费者举债无度，贷款购买他们实际上无力购买、有隐藏成本的产品。
Second, it would set up a consumer-protection agency that would try to protect consumers from taking out loans they cannot afford or buying products with hidden costs.
贷款需求下降一定程度上也反映出消费者疲于偿付现有贷款。
The slower demand for credit also partly reflects consumers' struggles to meet current loan obligations.
银行则偶尔表示非要给消费者提供低息贷款，但是仅为其中一样。
Banks occasionally intrude, but only to offer cheap loans to buy one or the other.
在过去40年中，消费者可用的贷款类型空前增加。
The types of loans available to consumers have grown at unprecedented rates during the past 40 years.
用富裕国家的标准来看欧元区的消费者属于高储蓄、低贷款，但他们同样紧张兮兮。
The euro area’s consumers have high savings and low debt by rich-world standards but are nervous all the same.
用富裕国家的标准来看欧元区的消费者属于高储蓄、低贷款，但他们同样紧张兮兮。
The euro area’s consumers have high savings and low debt by rich-world standards but are nervous all the same.
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