It wouldn't be a loan or a gift.

这不是贷或礼物。

As a result, borrowing money becomes more costly.

因此，贷成本变得更高。

C) They will over-borrow and live beyond their means.

C，他们会过度贷，入不。

Tax cuts were paid for by extra borrowing.

减税是通过额外贷来支付。

How much loan capital can we safely raise then?

我们需要多少贷资本以能保证分红？

True, borrowing costs are not its only driver.

诚然，贷成本并不是唯一驱因素。

Millions of Americans take out these loans every year.

每年，有数百万美国人贷此类贷款。

Consumers are spending despite rising borrowing costs.

尽管贷成本在上升，消费者仍保持消费。

High inflation is raising the cost of borrowing for governments.

高通胀正在提高政贷成本。

Italian government-borrowing costs started to climb.

意大利政贷成本开始攀升。

So it's important to start early and that really reduces that reliance on debt later.

所以早做准备很重要，这样后来可以少贷。

The bank also put up its online lending service, GreenSky, for sale this year.

该银行今年还售了其在线贷服务 GreenSky。

However, this move makes it too costly to borrow money and hurts economic growth.

然而，此举使贷成本过高，并损害了经济增长。

And so with fewer owners, that puts borrowing costs up as well.

因此，随着持有者减少，贷成本也会上升。

Biden calls for a bill to increase borrowing with no strings attached.

拜登呼吁通过一项无附加条件增加贷法案。

Because Sri Lanka can't just default and go away, they need to go on borrowing.

因为斯里兰卡不能就这样违约然后消失，他们需要继续贷。

Soon, student loan payments are starting back up for 40 million borrowers.

很快，4000万贷人助学贷款又要开始偿还了。

The product was structured essentially to avoid the application of the Truth and Lending Act.

该产品结构基本上是为了避免适用《诚信贷法》。

Lending is the coal to our engine, so we want to make more loans.

贷就好像煤炭对于引擎作用一样，所以我们要放更多贷款。

That's in part because they're not covered by the Truth In Lending Act.

这在一定程度上是因为它们不受《诚信贷法》保护。