3.Over the past two years, loans have been easy to come by as China rebounded quickly from the global economic crisis.

come by得到, 获得

例句：He came by the data from various sources.

这些资料他是从不同地方找到的。

Money that is easily come by is often easily spent.

钱来得容易往往也花得容易。

4.Delivering his Christmas Day sermon, Dr Williams said that with hardship ahead for so many, confidence was low, and it would grow only if there were more signs of solidarity.

only if表示只有；if only则表示如果……就好了。If only也可用于陈述语气。

I wake up only if the alarm clock rings. 只有闹钟响了，我才会醒。

If only the alarm clock had rung.当时闹钟响了，就好了。

If only he comes early.但愿他早点回来。