当然，首先要确保银行很好地资本化，这应能为今后信贷复苏奠定基础。
Of course the first thing is to make sure the Banks are well capitalized, which should lay the ground for future recovery of credit.
因为没有强劲的收入增长，消费支出增长在很大程度上以房价上升和信贷增加为基础。
Without strong gains in incomes, the growth in consumer spending has to a large extent been based on increases in house prices and credit.
假设“货币乘数”——商业银行能够在它们准备金基础上扩张信贷的倍数，是10：1。
Suppose that the "money multiplier" -the multiple that commercial Banks can pyramid on top of reserves, is 10:1.
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