It pays interest on the deposit and it collects interest on the loans and it charges a higher interest on the loan than they pay on the deposit.
银行付给存款人利息,同时收取贷款利息,贷款的利息较高,支付给存款人的利息较低
In that case, the bank can pay interest to depositors.
这样,银行就可以向存款人支付利息了
It used to be that the government didn't let banks pay more than a certain amount on their deposits and that helped protect banks because then they didn't have to compete to pay high interest rates -then be incentivized to make risky loans to try to make money with those high interest rates.
在这之前,政府不允许银行对存款,支付超过一定数量的利息,那样做是为了保护银行,因此他们不必争相,去支付高额利率...,因为在高利率支付下银行会倾向于,发放高危贷款以获取利润
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