consumer loans

Some micro lenders have targeted university campuses and issued online consumer loans via cooperation with technology companies. The practices have caused some students to overspend and fall into debt traps.

部分小额贷款公司以大学校园为目标，通过与科技公司合作发放互联网消费贷款，导致部分大学生过度消费，陷入高额贷款陷阱。

With increasing expansion of consumer loans and growing percentage of consumption credit in a market where individual credit system is yet to be improved, personal credit risks begin to loom large with the rise of non-performing asset ratios of personal bank loans.

随着个人信用消费的不断扩大，消费信贷的比重不断提高，在整个市场个人信用制度不完善的情况下，个人信贷风险凸现，银行个人信贷中的不良资产率上升。

Banks and thrifts make three types of loans: commercial industrial loans, consumer loans, and mortgage loans.

银行和储蓄机构主要提供三种类型的贷款: 工商贷款, 消费贷款和按揭贷款.

SME loans, bills discounting, finance lease guarantee; Loan guarantees for the individual consumer; Foreign investment.

对中小企业贷款 、 票据贴现 、 融资租赁的担保; 对个人消费贷款担保; 对外投资.

The global financial crisis, which began with massive defaults on home loans in the United States, has spread rapidly as bank lending has dried up and consumer spending had dropped. Nations have been unveiling emergency spending plans and loan guarantees to prop up investor confidence but financial markets remain volatile.

起始于美国大批房屋贷款无法偿的全球金融危机，目前已经迅速漫延，导致银行借贷枯竭，消费者支出下降。虽然各国都在出台紧急开支计划并提供贷款保证，以此提升投资者的信心，但是金融市场仍然动荡不安。

It may come as a surprise to him, but an economy cannot run on consumer loans.

或许他会感到吃惊，但我还是要说，一个正常经济体是不可能建立在消费信贷基础之上的。

Micro lenders should strengthen identity verification of clients and not make college students their target clients for online consumer loans or carry out targeted marketing aimed at them.

此外，通知还要求规范放贷机构及其外包合作机构营销行为。小额贷款公司要加强贷款客户身份的实质性核验，不得将大学生设定为互联网消费贷款的目标客户群体，不得针对大学生群体精准营销。

One serious objection to monetary stimuli is that low interest rates now have their main domestic effect in encouraging consumer borrowing and loans for house purchase.

强烈反对刺激性货币政策的人认为，目前，低利率在国内的主要影响就是鼓励消费贷款和购房贷款。

As for the online consumer loans that have been issued to college students, no extension is allowed and the existing loans should be gradually reduced. Any new loans not in line with regulations will be prohibited.

对于已发放的大学生互联网消费贷款，原则上不进行展期，逐步消化存量业务，严禁违规新增业务。

That's the benchmark rate for millions of business and consumer loans.

这是基准利率以百万计的企业和消费者贷款.