不幸的是，降低银行贷款极可能通过阻碍消费者的购买(特别是在耐用品消费开支上)，或者通过限制其他公司为消费者贷款，减少了购买行为，从而延缓了复苏。

Unfortunately, reduced bank lending may well slow the recovery by damping consumer spending, especially on durable goods, and by restricting the ability of some firms to finance their operations.

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其负面影响阻碍大学生完美人格的生成，延缓大学生的社会化进程。

Its negative influence not only obstructs the formation of university students' perfect personality but also defers their socialization progression.

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