The cut in the interest rates has not had very much impact in California for two reasons. First of all, banks are still afraid to loan.降息在加利福尼亚并未产生多大影响，原因有二。首先，银行仍然不敢放贷。However you dress it up, a bank only exists to lend money.无论你如何粉饰，银行就是为了放贷而生的。The company's core business is lending money.公司的核心业务是放贷。