Although lack of access to credit inflicted huge damage on small businesses last autumn, lending (or lack of it) has not been the main problem for most of 2009.

虽然去年秋天得不到信贷使小型企业遭受巨大损害，贷款(或者说缺乏贷款)并非2009年大多数时间的主要问题。

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On the surface, this looks like 2003 and 2004 when the previous housing, credit, commodity and equity bubbles started to inflate, helped by low nominal interest rates and a lack of inflation.

从表面上看，这与2003年至2004年的情况相似：上一轮房地产、信贷、大宗商品和股市泡沫就是在那时开始膨胀，主要受低名义利率和低通胀的推动。

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Abe, yearning for someone to buy him a jellyfish on the internet, despite the lack of computer or credit card;

还有希望有人能够在网上给他买一只水母的Abe，尽管那里没有电脑和信用卡；

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But on Thursday, Federal Reserve Chairman Ben Bernanke warned lawmakers that lack of action to raise the borrowing limit would mean a lower credit rating.

VOA: special.2011.07.15

So what is the state of play on the government's ambition to correct the perceived lack of credit for small and medium-sized businesses?

BBC: Will there be a British Business Bank?

TSB's Brazilian chief, notes, the lack of information on who might be a decent credit risk has made local banks err on the side of caution.

ECONOMIST: Consumer credit in Brazil

On the one hand, a lack of new regulations will likely help more small businesses qualify for credit cards that have reasonable interest rates.

FORBES: Credit Card Tip Of The Week: How To Choose a Safe Small-Business Card