银行与不太愿意借贷——银行已提高了他们的贷款发放标准，背后则是监管者的敦促。监管者们对于当初经济繁荣的时候没有更加谨慎的对待境外抵押贷款和实行宽松的借贷政策后悔不已。
Banks are also less willing to lend: they have tightened loan standards, with a push from regulators who now wish they had taken a dimmer view of exotic mortgages and lax lending during the boom.
对于预备行为与实行行为的区分标准即“着手实行”，应采取形式客观标准和实质客观标准结合说。
It is assumed that the criterion of "starting to commit" should understood by combining formal objective standard and actual objective standard.
针对制约供电企业质量经营的诸因素，提出了质量经营必须实行标准化与个性化的统一。
To counter various factors that restrain quality management of power utilities, it is proposed that standardization and personalization must be unified for quality management.
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