拥有良好信用记录的优质借款人和被评为投资级的公司眼下没有信贷枯竭之虞，前者可以获得按揭贷款和消费贷款，后者可以在债券和股权市场上融资。
Prime borrowers with good credit scores and investment-grade firms are not experiencing a credit crunch at this point, as the former have access to mortgages and consumer credit while the latter have access to bond and equity markets.