信贷萎缩

第一，我们需要纾缓银根短缺及信贷萎缩，维持银行体系稳健运作。

Firstly , we need to ease the problems of cash shortage and credit crunch to maintain a stable banking system .

去年年底的信贷萎缩甚至更为急剧。

The year-end contraction in credit was even steeper .

《购银法》导致中国的白银储备被走私出国门并在海外出售，致使其国内货币供应下降，触发了通缩、信贷萎缩以及经济衰退。

Chinese silver stocks were smuggled out of the country and sold abroad , reducing the money supply and triggering deflation , credit contraction and a slump .

他补充道，从经济基本面考虑，评级机构应该首先降低英国的3A评级，因为与法国相比，英国有更高的赤字、债务和通胀，更低的增长，且信贷正在萎缩。

On that basis , he added , the agencies should begin by downgrading the triple A rating of Britain , which has bigger deficits , more debt , higher inflation , less growth than us and where credit is shrinking .

由于资金吃紧，信贷规模出现萎缩，私营部门也变得更加谨慎，这导致经济走软，财政和金融偿付能力均遭到削弱。

As funding comes under pressure , credit shrinks and the private sector becomes more cautious , weakening economies and undermining both fiscal and financial solvency .

自金融危机以来，这一趋势出现了逆转：跨境银行信贷规模显著萎缩，美国和欧洲银行也已收敛了自己的扩张野心。

Since the crisis this trend has gone into reverse : cross-border lending has fallen sharply and the ambitions of American and European banks have been scaled back .

相比之下，欧元区的信贷却在不断萎缩。

In the eurozone , by contrast , credit is shrinking .

债券发行不断减少或许表明，即便在银行放贷上升的地区，净信贷增长已出现萎缩。

Falling bond issuance may indicate that net credit growth has shrunk , even where bank lending has risen .

而利率倾向于会下跌则是因为，家庭和企业收入下降，货币需求和信贷需求也出现萎缩。

Interest rates tend to fall , as household and business incomes drop and demand for money and credit shrinks .

欧洲经济形势不稳将导致进口需求下降，如果银行通过收缩来提高资本金比率，信贷供应也将萎缩。

A faltering European economy will cut demand for exports and , if banks achieve higher capital ratios by shrinking , the supply of credit will contract .

能源危机，信贷紧缩，房市萎缩都反映了将来的经济增长非常困难。

The possibility of high energy crisis , tighter credit conditions and a still deeper contraction in the housing markets , all represent significant downside risks to the outlook for growth .

造成信贷传导渠道日趋萎缩的主要原因有二：一是巨大存差的存在；二是资金分布的结构性矛盾。

Facing the dispirited channel of credit , two main reasons are introduced , that is the existence of large amount between credit and deposit and the structural contradiction of fund distribution .

由于信息不对称，以及由此而产生的逆向选择和道德风险问题，使当前的银行信贷市场出现了诸如信贷萎缩、银企关系非市场化、银行贷款抵押错位等扭曲现象。

Due to information asymmetry , hence adverse selection and moral hazard , there are some distorted phenomena in bank credit market , such as credit shrink , non market-oriented relations between banks and enterprises , dislocated mortgage loan .