Electronic banking is a specialized lending institution for small and medium-sized enterprise.

电子银行是专门为中小企业提供贷款的机构。

Thus we must also take account of the other facet of the state of confidence, namely, the confidence of the lending institutions towards those who seek to borrow from them, sometimes described as the state of credit.

因此，我们还必须考虑信心状态的另一个方面， 即贷款机构对那些寻求向其借款的人的信心， 有时被称为信用状态。