房地产市场下滑和信贷危机都是其原因的一部分。
Plunging housing markets and the credit crunch have put paid to all that.
而那些仍旧不能负担起购买一部手机的人，很容易得到小额信贷的资助方式。
And for those who still could not afford their own handsets, help was at hand in the form of microfinance.
考虑到在复苏期间小企业占据了净就业增长的很大一部分，信贷限制就可能阻碍就业增长。
Because smaller businesses account for a significant portion of net employment gains during recoveries, limited credit could hinder job growth.
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