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US banks have ramped up lending to consumers through credit cards and overdrafts at the fastest pace since 2007, triggering concerns that they are taking on too much risk in a slowing economy. 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。The industry has piled on about $18bn of card loans and other types of revolving credit within just three months, as consumers borrow more and banks battle for customers with air miles, cashback deals and other offers. 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。 The surge in lending has come as economists expect the US election to create sufficient uncertainty to impede growth for the rest of the year, increasing the stakes for lenders at a time when the credit cycle appears to have passed a peak. 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。 | 
