Slack lending, thanks to both lack of demand and tighter underwriting, could prove a more persistent problem.

需求缺乏和保险更严导致借贷疲软，而借贷疲软则能说明问题将会持续。

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Because of the lack of reference, time for a long time employees tend to form complacency, leading to slack.

因为缺乏参照物，时间久了员工容易形成自满情绪，导致工作懈怠。

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Because of the lack of reference, time for a long time employees tend to form complacency, leading to slack.

因为缺乏参照物，时间久了员工容易形成自满情绪，导致工作懈怠。

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