据我所知，绝大部分西方国家的中小企业、中等收入以及收入拮据的家庭都经历过信贷获取渠道显著下降 — — 不仅针对新的融资，还包括更新过往信贷额度和借款的能力。
I know of very few Western countries where small and medium-size companies, as well as middle-income households and those of more limited means, have not experienced a significant decline in their access to credit – not just new financing, but also the ability to roll over old credit lines and loans.