非吸收存款类放贷机构 NDTL
他们吸收存款远没有放出去贷款快，所以用短期借贷(通常从其他金融机构)来堵上这个漏洞。
As they made loans faster than they gathered customer deposits, Banks plugged the gap by short-term borrowing, often from other financial firms.
银行最重要的特征是，它能吸收存款和发放贷款，而一般非银行金融机构是不能这样做的。
The most important property of Banks is its deposit-taking and loan-issuing abilities, while general non-bank financial institutions haven't these abilities.
商业银行作为以吸收存款、发放贷款以及办理结算为主要业务的企业法人，既具有一般企业的特征，又有其作为金融机构的特殊性。
Commercial Banks as deposits, loans and settlement process as the main corporate business, not only has the general characteristics of enterprises, as well as its specificity.
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