This means that you would have to pay extra money at the end, but they decided that people have trouble doing that.

这表示你在最后必须支付额外的款项,但他们觉得人们对偿还额外款项会有困难

耶鲁公开课 - 金融市场课程节选

Capital is the money that they have to pay out should there be a -its assets that they can quickly liquefy and pay out should there be a run on the bank.

资本金就是他们可以,用作偿付的现金,当...,这是当出现挤兑时,银行可以迅速,变现并且用作支付款项的资产

耶鲁公开课 - 金融市场课程节选