但在经济衰退或金融危机向其招手的时候，美联储便大幅下调利率，并担当起最终借款人的角色。
But when a recession or financial blow-up beckoned, it slashed rates and acted as a lender of last resort.
贷款对最终借款人而言通常是负债，在某一事先确定的期限结束前需要偿还，并且负有支付利息的责任。
Loans are often liabilities of ultimate borrowers, are usually repayable by the end of some predetermined period, and carry an obligation to pay interest.
可以说，最终储蓄者和最终借款人处于金融体系的最边缘，金融体系为他们的需求服务，他们是金融体系存在的最根本理由。
It is the ultimate savers and ultimate borrowers who are, as it were, on the periphery of the financial system, whose needs it serves and who provide the rationale for its existence.
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