直到最近为止，商业惯例一直是最简单的部分- - -放款者可以从借款者手中收取高达借款29.2%的佣金。这便是日本，投入很少便足以获利。

Until recently, the easy part was the business logic; moneylenders have been able to charge borrowers as much as 29.2%.

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商业银行现在也必须将贷款存入提存账户而不是直接放给开发商，只有在商品房建设到了一定阶段才予以放款。

Banks now have to put money into an escrow account instead of lending directly to developers. The cash is paid out when construction reaches certain milestones.

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兼销铺的业务有商业贸易、银钱兑换、存放款项、汇兑与销铸白银。

It covered commerce, trade, silver money exchange, deposits and loans, currency exchange, and selling and casting of silver.

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