所以为什么不对于零售业或者实际上对经济增长产生巨大影响呢。
So why has there not been much effect on retail sales, or indeed on economic growth?
这不完全是一种零和游戏：毕竟，全球经济目前正健康增长。
This is not quite a zero sum game: the global economy is, after all, expanding healthily at present.
任何银行业都要面对来自经济低增长、摩擦性通货紧缩以及利率接近零的挑战。
Any banking system would be challenged by anaemic growth, grinding deflation and interest rates close to zero. Yet their response has been timid.
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