公司贷款和部分消费者信贷，例如信用卡和汽车贷款，都不稳定。

Corporate lending and parts of consumer credit, such as credit cards and car loans, are wobbly.

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在花旗，尽管美国国内消费贷款收入减少，但像多国公司外汇和现金管理等交易服务带来的收入稳健增长。

At Citi, transaction-service revenues, such as foreign-exchange and cash management for multinationals, are growing healthily while revenue from American consumer loans is shrinking.

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根据美联储信贷官员2月4日公布的季度调查报告，银行应该对个人消费信贷以及公司贷款收提高审批条件。

The Federal Reserve's quarterly survey of loan officers, released on February 4th, showed banks demanding tighter lending conditions from consumers and firms alike.

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