用可贷资金来表示，情况会是怎样呢？
What does this situation look like in terms of loanable funds?
更高的实际利率鼓励人们储蓄并提高可贷资金供给的数量。
A higher real interest rate encourages people to save and raises the quantity of loanable funds supplied.
换句话说，可贷资金的利率不可能低于零，因为持有现金的回报率都可以为零。
In other words, the interest rate on loanable funds cannot fall below zero because holding cash guarantees a rate of return of zero.
说明可贷资金市场与外汇市场的供给与需求，这两个市场如何联系？
Describe supply and demand in the market for loanable funds and the market for foreign-currency exchange. How are these markets linked?
这就是出现在几乎每一本教科书里的利率的“可贷资金”模型，我写的书也不例外。
This is the “loanable funds” model of the interest rate, which is in every textbook, mine included. It looks like this
例如，在新古典利率理论中，利率被认为是由可贷资金的供给和需求决定的。
In neoclassical interest-rate theory for instance, the interest rate is believed to be determined by the supply of and demand for loanable funds.
债券价格的决定理论主要有古典利率理论、流动偏好理论、可贷资金理论和理性预期理论。
Theories on bond pricing include classical interest rate theory, liquidity preference theory, loanable fund theory and reasonable expectation theory.
只要对可贷资金的需求出现急剧下降，流动性陷阱就会发生——这正是大萧条期间所发生的事情。
A liquidity trap can occur whenever there is a sharp reduction in demand for loanable funds-which is exactly what happened during the Great Depression.
本周四，中国的银行再次提高准备金率，这已经是今年的第三次提高准备金率了，这次的目的仍然是通过减少可贷资金的数量来抑制投资热。
China told Banks Thursday to increase their reserves for the third time this year, cutting the amount of money available for lending in a new effort to cool an investment boom.
活期账户在银行是最常见的账户，资金由客户交纳，客户也可以要求老板以银行贷记划款单的方式把他的工资或薪金划入账内。
This is the most popular kind of account in a bank. Funds are paid in by the customer, who may also ask his employer to pay his wages or salary direct into the account by means of a bank giro credit.
把从朋友处贷的款和其他资金来源整合在一起，制作一份动态的卷宗，你不能为避免高本金应付的过多利息而只动用一个资金来源。
Combine a loan from your friends with other funding sources to create a dynamic portfolio. You should not draw too heavily on one source to avoid excessive interest rates on high principal.
空置的公寓可能在佛罗里达，华尔街重新包装了为这些公寓提供资金的抵押贷款，但是最先受到次贷危机重创的却是欧洲的银行。
THE empty condos may have been in Florida and the mortgages that financed them repackaged on Wall Street, but it was banks in Europe that got hit first by the subprime crisis.
亏得房产的升值相应提高了它们的担保贷款额度，小公司现在可以像它们家大业大的同行那样更方便地贷到资金。
Thanks to the rising value of their properties, against which they can secure loans, smaller firms now find it easier to borrow for investment-as their bigger brethren do.
这一措施原本无可指摘，但其中明确规定，在计算杠杆率时，贷向国内银行的资金不计入资本。
Nothing wrong with that, except that the leverage ratio explicitly excludes lending the banks undertake domestically from calculations of capital.
更为糟糕的是，其中很多工程的资金是在次贷危机发生之前，通过复杂的借债手段拿到的，而现在，利率一直走高。
Worse, many of these projects have been partly financed by complex loans taken out before the subprime crisis, on which interest rates are now soaring.
很多投资者抛售股票，原因是他们担心信贷问题将波及其他公司，而这会使企业难以贷到维持运营的资金。
Many investors are selling their shares because they fear the problem will spread to other companies and make it hard for businesses to borrow cash for their operations.
放高利贷的人通常建立一套金融机构，即使不合法，但能以每个月高出银行利率10个百分点提供最初的运营资金。
Gray-market lenders are often established, though technically illegal, financial institutions that lend primarily working-capital loans at rates as high as 10 percent a month.
那些公司说道过低的上限将迫使资金只出借给那些最可靠的借款者。而将剩下的则拱手让给了那些高利贷者。
These companies say that lower rate caps would discourage lending to anyone but the most reliable borrowers, driving the rest towards loan sharks who charge truly exorbitant interest rates.
借贷者拥有两张第一资金的卡，两张卡限贷都很低，使得他们很容易超支。
That gives them two cards, with two low limits, to overspend.
Fonkoze银行扩大了贷款项目，推出一个称为“小信贷”的业务，覆盖那些不准备贷大额资金的穷困家庭。
The bank has enlarged a loan program, called Ti Kredi, or Little Credit, to reach poor families that are not ready for larger loans.
针对美国次贷危机，资金中心汇率国有股实际上已经开始，经过注射的行为将成为规范。
Sub-loan crisis, the state of the central rate of funding has actually started, After injection of behavior will be the norm.
21世纪经济报道消息，网贷平台能否顺利进行资金存管并不由平台自主决定。
21st Century Business Herald news, whether Internet loan platform can smoothly carry out funds deposit is not determined by the platform independently.
当农村需要外界的钱来供给他们生产资金时，除非有一个较好的信贷系统可供农民借贷，否则不在地主和高利贷是自然会产生的。
When the village needs money from outside to finance their production, unless there is a better system to extend credit to the peasants, absentee-landlordism and usury are the natural products.
人民币升值预期和美国次贷危机影响下，中国房地产市场更成为海外资金追逐热点。
RMB appreciation expectations and the U. S. sub-prime mortgage crisis, China's real estate market has become the hot pursuit of overseas capital.
近一时期高校陆续进入偿贷高峰期，面临巨大的资金压力，部分高校出现财务危机。
Now its high time they repaid the loan and many are facing great finance crisis.
银行贷款是如此廉价和容易获得，以至于许多商品的分销商把这些贷来的资金用于投机。
Bank loans were so cheap and easy to get that many commodity distributors used the financing for speculation.
银行贷款是如此廉价和容易获得，以至于许多商品的分销商把这些贷来的资金用于投机。
Bank loans were so cheap and easy to get that many commodity distributors used the financing for speculation.
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