And so I think forms of credit will always be an important element.

所以我认为信贷形式将永远是一个重要因素。

So there are times where your cash outflows exceed your cash intake, and there, you need some form of credit to make up that difference.

因此， 有时您的现金流出会超过您的现金摄入，此时您需要某种形式的信贷来弥补这一差额。