但当前的问题是，由于房价仍在直线下跌，失业人数不断增加，收紧信贷标准是有必要的；最新的高级信贷员调查也验证了这一点。
The problem is, with house prices still in free fall and unemployment rising, tight lending standards, as evidenced by the latest survey of senior loan officers, make sense.
在七月份美联储对高级信贷员的季度调查问卷中，一大部分银行都声称他们收紧了贷款标准。
In the Fed's July quarterly survey of senior loan officers, a large percentage of Banks reported that they had tightened lending standards.
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