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While efficiency, creativity and credit availability are important, they cannot be to trump safety and soundness.
效率 、 创造力和信贷可得性(creditavailability)固然重要, 但不应凌驾在安全与稳健之上.
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And lack of credit availability can create a refinancing risk for some companies.
信贷的缺乏会给一些企业带来再融资的风险.
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