毕竟日本不存在像美国或欧洲大部分地区那样的超额信贷：近年来，日本公司并没有举借外债反而已经清偿了债务，而住户们坐拥大量储蓄。

After all, Japan had none of the credit excesses of America and much of Europe: rather than borrow in recent years, Japan's companies have paid off debts, while households sit on a pile of savings.

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