借贷消费是一种情绪、一种精神状态，而不是宣告死刑。
Borrowing to spend is a mood, a state of mind, not a death sentence.
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.
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.
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.
提升消费的另一个途径是让借贷更容易。
Another way to boost consumption is to make it easier to borrow.
提升消费的另一个途径是让借贷更容易。
Another way to boost consumption is to make it easier to borrow.
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