美银行信用卡贷款激增引发担忧
<p><span word="US">US</span> <span word="banks">banks</span> <span word="have">have</span> <span word="ramped">ramped</span> <span word="up">up</span> <span word="lending">lending</span> <span word="to">to</span> <span word="consumers">consumers</span> <span word="through">through</span> <span word="credit">credit</span> <span word="cards">cards</span> <span word="and">and</span> <span word="overdrafts">overdrafts</span> <span word="at">at</span> <span word="the">the</span> <span word="fastest">fastest</span> <span word="pace">pace</span> <span word="since">since</span> 2007, <span word="triggering">triggering</span> <span word="concerns">concerns</span> <span word="that">that</span> <span word="they">they</span> <span word="are">are</span> <span word="taking">taking</span> <span word="on">on</span> <span word="too">too</span> <span word="much">much</span> <span word="risk">risk</span> <span word="in">in</span> <span word="a">a</span> <span word="slowing">slowing</span> <span word="economy">economy</span>.</p><p>美国的银行正以2007年以来最快的速度通过信用卡和透支扩大消费信贷，这令外界担心它们在放缓的经济中承担太多风险。<span word="The">The</span> <span word="industry">industry</span> <span word="has">has</span> <span word="piled">piled</span> <span word="on">on</span> <span word="about">about</span> $18<span word="bn">bn</span> <span word="of">of</span> <span word="card">card</span> <span word="loans">loans</span> <span word="and">and</span> <span word="other">other</span> <span word="types">types</span> <span word="of">of</span> <span word="revolving">revolving</span> <span word="credit">credit</span> <span word="within">within</span> <span word="just">just</span> <span word="three">three</span> <span word="months">months</span>, <span word="as">as</span> <span word="consumers">consumers</span> <span word="borrow">borrow</span> <span word="more">more</span> <span word="and">and</span> <span word="banks">banks</span> <span word="battle">battle</span> <span word="for">for</span> <span word="customers">customers</span> <span word="with">with</span> <span word="air">air</span> <span word="miles">miles</span>, <span word="cashback">cashback</span> <span word="deals">deals</span> <span word="and">and</span> <span word="other">other</span> <span word="offers">offers</span>.</p><p>在短短3个月里，该行业已累积约180亿美元的信用卡贷款和其他形式的循环贷款，因消费者增加了借债，同时银行通过奖励飞机里程、返现和其他优惠争夺客户。</p><p><span word="The">The</span> <span word="surge">surge</span> <span word="in">in</span> <span word="lending">lending</span> <span word="has">has</span> <span word="come">come</span> <span word="as">as</span> <span word="economists">economists</span> <span word="expect">expect</span> <span word="the">the</span> <span word="US">US</span> <span word="election">election</span> <span word="to">to</span> <span word="create">create</span> <span word="sufficient">sufficient</span> <span word="uncertainty">uncertainty</span> <span word="to">to</span> <span word="impede">impede</span> <span word="growth">growth</span> <span word="for">for</span> <span word="the">the</span> <span word="rest">rest</span> <span word="of">of</span> <span word="the">the</span> <span word="year">year</span>, <span word="increasing">increasing</span> <span word="the">the</span> <span word="stakes">stakes</span> <span word="for">for</span> <span word="lenders">lenders</span> <span word="at">at</span> <span word="a">a</span> <span word="time">time</span> <span word="when">when</span> <span word="the">the</span> <span word="credit">credit</span> <span word="cycle">cycle</span> <span word="appears">appears</span> <span word="to">to</span> <span word="have">have</span> <span word="passed">passed</span> <span word="a">a</span> <span word="peak">peak</span>.</p><p>在贷款飙升之际，经济学家预测，美国大选将产生巨大不确定性，会阻碍今年剩余时间的经济增长，这将在信贷周期似乎已过波峰之际加大银行的风险。</p>
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