That's unlikely to happen when the demand for credit is in the ditch and loan losses are crimping banks' capital and lending capacity. 當信貸需求疲軟以及貸款損失束縛了銀行資本和放款能力時(shí)，超額準備金問(wèn)題就不可能會(huì )出現了。
Sallie Mae has been the biggest provider of such lending, but it is becoming more selective amid mounting loan losses and tighter credit markets. 學(xué)生貸款營(yíng)銷(xiāo)協(xié)會(huì )是提供這類(lèi)貸款的機構中規模最大的，但隨著(zhù)貸款損失的增加以及信貸市場(chǎng)的收緊，它在選擇放貸對象方面也越來(lái)越嚴格了。
