无论有没有这项经济刺激计划，当前的信贷危机预计都会重创美国经济，因为信用卡贷款、汽车贷款和住房按揭贷款的放贷标准收紧会打击美国消费者。
With or without stimulus , the credit crisis is expected to take a deepening toll on the economy as consumers are hit by tightening terms for credit cards , auto loans and home mortgages .
汽车按揭贷款