While efficiency, creativity and credit availability are important, they cannot be to trump safety and soundness.

效率 、 创造力和信贷可得性(creditavailability)固然重要, 但不应凌驾在安全与稳健之上.

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And lack of credit availability can create a refinancing risk for some companies.

信贷的缺乏会给一些企业带来再融资的风险.

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