此外，随着债务的不断增加，银行的放贷意愿会降低，促使债务人转向不受监管、利率畸高的影子银行部门以满足流动性需求。
Moreover, as debts grow ever larger, banks’ willingness to lend will decline, driving debtors to the unregulated shadow-banking sector, where interest rates are extremely high, for their liquidity needs.