...点决定了消费者信贷不会像公司信贷一样成为关系信贷（Relationship Lending），而更有可能成为交易性信贷（Transaction Lending），这个特点为后期现代金融理论与模型在消费者信贷领域的应用提供了基础。
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他本周说，此类项目很有希望，因为它们避开了银行和一级交易商，直接向关键信贷市场的贷款者或投资者提供了流动性。
'Such programs are promising because they sidestep Banks and primary dealers to provide liquidity directly to borrowers or investors in key credit markets,' he said this week.
手机和其他技术可以降低此类交易的成本，使得大范围小额信贷具备经济可行性。
Cell phones and other technology can cut the cost of such transactions and make widespread microfinance economically feasible.
流动性还是没有，银行还是不愿意购买或交易这种债券，或者用它们做抵押，信贷余额高于常规。
It had very limited success, as Banks were still disinclined to buy or trade such securities or take them as collateral. Credit spreads remained higher than normal.
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