Bank to Bank Credit

The result is an increase in the member bank deposits with the central bank, which allows the former to extend some ten times as much credit.

结果是，会员银行在中央银行的存款数额增加，使会员银行可以将信贷扩大十倍之多。

If you or I tried to get a loan from the bank this way, not only would we be thrown out on our ear, the bank would place us on some sort of credit rating blacklist.

要是你我象这样去找银行谈贷款，早就给人拎着耳朵扔出门了，回头还要排上信用黑名单。

Basically any time someone USES a credit card, the issuing bank-the bank sponsoring that card-forwards the money to an account set up by the merchant specifically to accept credit card payments.

基本上，在任何时候，有人使用信用卡，那么发卡银行(这张卡的赞助银行)就会把这笔钱转到由商家指定的接收账户上。