协议中不包括花旗庞大的信用卡业务和海外放贷业务，花旗的信用卡透支拖欠情况正在迅速恶化，海外贷款也有不祥的兆头。

Absent from the arrangement are Citigroup's giant credit-card business, where defaults have been rapidly piling up, and its overseas lending operations, which also are showing signs of stress.

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本文在分析了基于信用透支的电子交易协议的基础上，提出了一种基于电子钱包的乐观公平交易协议。

By analysing the electronic commerce protocol based on credit, the paper proposes an optimistic fair e-commerce protocol with electronic wallets.

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但是，他们的确对没有预先协议而透支的存款人收取非常较高的利息。

However, they do charge much higher rates for any depositors who run up overdrafts without prior agreement.

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