The government should now motivate local lenders ( many of which have clean balance sheets) to re-widen their product offering to include credit cards and encourage the mega banks to provide servicing and processing facilities to banks that sold off these capabilities years ago. 政府目前应激励地方贷款机构(其中许多拥有健康的资产负债表)重新扩大产品范围,将信用卡包括在内,并鼓励超大型银行向数年前抛售这些产品的银行提供维护和处理系统。