处于底层的大部分由那些要么太小要么太弱不足以利用长期基金的储蓄银行组成。
The bottom layer is mostly made up of savings Banks that are either too small or too weak to tap longer-term funds.
事实上，储蓄也并不完美：他们太容易突然消散(这可以问北岩银行)，并且他们与长期资产如抵押贷款确实没有关联。
In fact, deposits are not perfect either: they too can suddenly evaporate (just ask Northern Rock) and they suffer from a maturity mismatch with long-term assets such as mortgages.
想想在美国储蓄与信贷危机后催生的财富，以及收购日本长期信贷银行(并更名为新生银行)时聚敛的钱财吧。
Think of the fortunes made in the wake of America's savings-and-loan debacle, or by the acquirers of Japan's Long-Term Credit Bank, since renamed Shinsei.
小储户可使用任何一种有效的预付形式来避免银行的储蓄费，如购买礼券、长期订阅服务、城市交通卡和手机SIM卡。
Small savers would use any available form of prepayment-gift vouchers, long-term subscriptions, urban-transport CARDS or mobile-phone SIM cards-to avoid the cost of having money in the bank.
储蓄者希望持有储蓄的形式——比如银行存款——通常与借款人希望获得资金的方式——比如长期贷款——不同。
Savers wish to hold their savings-for example bank deposits-frequently differ from the ways in which borrowers would like to obtain their funds-for example long-term loans.
储蓄者希望持有储蓄的形式——比如银行存款——通常与借款人希望获得资金的方式——比如长期贷款——不同。
Savers wish to hold their savings-for example bank deposits-frequently differ from the ways in which borrowers would like to obtain their funds-for example long-term loans.
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