Right now, in public comments, banks have been saying that the credit environment is remarkably strong and still is strong, and remains better than than before the pandemic.

目前，在公开评论中， 银行一直在表示， 信贷环境非常强劲， 而且仍然强劲，并且比大流行之前要好。

So the big question for the banks, obviously, they're making all this money from loans, but what is the credit risk that they're taking on and what's the credit environment that they're going to be heading into.

因此，对银行来说， 一个大问题显然是，他们从贷款中赚取所有这些钱，但他们承担的信用风险是什么， 他们将要进入​​的信用环境是什么。