达致这一效果的最好办法是，保持低成本的入门门槛，也许可以补贴或者赠送用户联网所需的装备，对入网和利用网络的行为几乎不收取什么费用。
The best way to do that is to keep the cost of entry low, perhaps by subsidizing or giving away the equipment the user needs to connect and then charging little for access and use.
但5%的比例显然不足以制止滥发贷款的行为。主要是金融业高管普遍追求短期利润，而低门槛的放贷行为将带来巨额回报。
But 5 percent isn't enough to deter much risky lending, given the huge rewards to financial executives who book short-term profits.
试验结果表明：2618铝合金表现出较高的蠕变应力指数，在引入门槛应力后，该合金的蠕变行为可得到满意解释；
It was found that 2618 aluminum alloy exhibits a higher creep stress exponent. The creep behaviors of the alloy can be described by using threshold stress.
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