在经济危机或经济衰退时，经济正需贷款资金，然而许多银行为储备资本而被迫削减贷款。
During a financial crisis or economic slowdown, at just the moment that the economy needs credit, many Banks are forced to cut back on lending to preserve capital.
与提高股本相比，这些银行宁愿削减贷款，这样亦能减少现有股东(包括银行高管)。
Lenders may choose to cut loans rather than raise equity, which would dilute existing shareholders (including bank executives).
当利率接近零的时候，银行不得不削减贷款利率但是也没有再降低存款利率的余地，致使了收益差的压缩。
With interest rates so close to zero, Banks are having to cut their lending rates but have no room to drop their deposit rates further. Spreads compress as a result.
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