想想类似手机这种看似无害的东西吧——一方面，手机可以用来进行小额信贷和基于文本的社交，但另一方面，它也可以成为临时制作的爆炸装置。
Think of something as seemingly benign as the cellphone—we have microfinance and text-based social networking at one end of the spectrum, and improvised explosive devices at the other.
库存量的快速削减和信贷市场上的临时畸变于事无补。
A rapid rundown in inventories and temporary distortions in credit markets have not helped.
比如说，高杠杆的投资银行在信贷宽松期大举放贷，在危机来临时则竭力回笼资金。
For instance, highly leveraged investment Banks lend more when credit is easy and pull back faster in the crash.
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