U.S. Treasury bills are the textbook definition of a safe haven asset, historically one of the most risk-free assets you can buy next to precious metals.

美国国库债券是资产的安全避险天堂，这是教科书般的定义。 在历史上，除贵金属之外，它也是你可以买到的最没有风险的资产之一。

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So for any asset, be it cash, U.S. Treasury securities, or supposedly safe mortgages, Banks must hold at least 5% capital against it.

因此，对于任何资产，无论是现金、美国国债、还是据称安全的按揭贷款，银行都必须至少持有相当于资产额5%的资本金。

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High reserve requirements forced Banks to lock up much of the economy's savings in safe asset classes like government debt.

高准备金率则使银行必须以安全资产(比如国债)的形式持有大量储蓄。

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