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1·It was the 18th drop for overall consumer borrowing in the past 19 months.

在过去19个月中全部消费者借款里，这是第十八个下降。

2·A weak culture of consumer borrowing means that people have been forced to rely even more on their savings—or those of their parents.

日本人没有借贷购物的习惯，他们不得不更依赖自己的甚至是父母的积蓄。

3·Mortgage lending is still profitable, yet in June it was 3% lower than a year earlier, while net consumer borrowing fell for a second month.

按揭贷款仍然是有利可图的，然而6月比去年同期下降3%，并且净消费贷款连续两个月下滑。

4·These could include new efforts to bring down rates the Fed doesn't usually target, such as those on mortgages, other consumer borrowing or Treasury bonds.

这些手段可能包括采取新措施降低抵押贷款、其他消费贷款或美国国债的利率水平，美联储通常不对这些利率设定目标。

5·For example, China wants the United States to raise its own savings rate and cut its budget deficit and reliance on consumer borrowing, which are blamed for the influx of Chinese goods and capital.

如中国希望美国提高存款利率，减少预算赤字及对消费信贷的依赖，后者被认为引起了中国商品和资本的蜂拥而入。

6·Now, the overwhelming majority of the rise in consumer indebtedness during the boom came from mortgage borrowing.

现在，在经济繁荣时期，绝大多数消费者债务的增长来自按揭贷款。

7·Higher asset prices have propped up consumer spending and narrower corporate bond spreads have eased firms' borrowing costs.

资产价格上升，从而促进消费；企业债券价差额减少，公司的借贷成本得以降低。

8·Investment Banks, for instance, do not rely on consumer deposits for funding, but on borrowing from commercial Banks and others.

比如，投资银行不依赖客户存款，而是从商业银行和其他机构获得贷款。

9·Since rising US consumer spending is driven by cheap borrowing costs rather than growing middle class earnings, it is vulnerable to a turn in the interest rate cycle.

既然美国消费支出增长是廉价借贷成本（而非中产阶级收入增长）推动的，当利率周期变化时，这种增长就会难以为继。

10·In part, too, borrowing has slowed down dramatically because lenders have become much more chary about extending consumer credit.

另一个原因，借款也急剧下降。因为贷款人对扩张性的消费贷款也变得更加谨慎。