Often referred to as a business credit line, these short-term financing facilities come in a number of different forms. Some of which include bills of exchange, letters of guarantee, etc.

这些短期贷款，通常称作商业信贷限额，它有多种形式，其中包括汇票、保函等。

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And many families also keep a sizable amount of money in their savings account or continue to put money into their 401(k)s, while still carrying thousands of dollars in credit-card debt--even though dipping into savings and paying off their credit-card bills would guarantee them an immediate return on investment of 15% or 18%.

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Mr Davey told BBC News he couldn't guarantee all customers would see their bills cut, but the majority of people would benefit and it would be "easier" to get lower bills.

BBC: Ed Davey announces 'four core tariff' plan