处于底层的大部分由那些要么太小要么太弱不足以利用长期基金的储蓄银行组成。
The bottom layer is mostly made up of savings Banks that are either too small or too weak to tap longer-term funds.
接受国家基金的储蓄银行正在关闭其10 - 30%的分支机构，因为这些机构在短期内处于亏损。
Savings Banks receiving state funds are closing 10-30% of their branches, which will cost money in the short run.
1983年他接管了麦尔银行，一个家族的部门银行，之后他逐渐将这间银行由一个小储蓄银行转变成一个投资银行和基金管理公司。
In 1983 he took over Meinl bank, the family banking arm, and gradually changed it from a small savings bank into an investment bank and fund-management firm.
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