英国应该是最不可能遭受信贷紧缩的国家。而银根紧缩使得各国债台高筑，依赖外国储蓄，国内充斥着银行和房产机构，但缺乏拥有实质性价值的公司。
Britain was everything a country should not be in a credit crunch: debt-ridden, reliant on foreign savings, chock-full of Banks and estate agents, and short of firms that made tangible stuff.
其中最有竞争力的是国家退休基金储蓄银行（下文称BTPN），它被私募公司德克萨斯太平洋集团收购，之后于2008年进入小额信贷市场。
Among the keenest of them is Bank Tabungan Pensiunan Nasional (BTPN), which entered the market in 2008 after a buy-out by Texas Pacific Group, a private-equity firm.
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