A commercial bank, like a goldsmith banker, accepts deposits--that's critical -and that means you can put money in the bank.

商业银行,就像是一个金匠银行家,接受存款,这一点非常关键,就是说你可以把你的钱放到银行里

耶鲁公开课 - 金融市场课程节选

It did it through banks; they gave the money to banks to make loans to people who were in trouble.

贷款还是通过银行发放,他们把钱给银行,然后由银行向有困难的人放贷

耶鲁公开课 - 金融市场课程节选

When we separated banking from investment banking, on the theory the investment banking had natural proclivity to get from another folly to do it.

当我们把银行业务从投行分离出去的时候，由于理论上说投行的本性决定了其容易犯错误,决定了其容易犯错误。

斯坦福公开课 - 经济学课程节选

Again, there was a loss of confidence in the time of an economic crisis and people wanted to withdraw their money from the banks.

此外,在经济危机时期,投资者对银行失去信心,他们希望把钱从银行取出来

耶鲁公开课 - 金融市场课程节选

In the United States, the central bank is called the Federal Reserve.

在美国,我们把中央银行叫做美联储

耶鲁公开课 - 金融市场课程节选

In other words, the banks were like customers of the Bank of England; they had to keep deposits there and the Bank of England watched them to make sure that they were behaving responsibly and had authority over them because it had market power.

换句话说，其他银行在英国就像是英国银行的客户;,其他银行不得不把钱存放在英国银行那,英国银行业负责监管着,其他银行的商业行为,也指挥着其他银行,因为英国银行有着控制市场的力量。

耶鲁公开课 - 金融市场课程节选

What you used to do is, every six months you'd pull out your bonds and you'd clip the coupons with a pair of scissors; you take them to a bank and they would give you cash for your coupons.

过去,你每六个月从你的债券上,用剪刀剪下息票,把它拿到银行,用息票兑换现金

耶鲁公开课 - 金融市场课程节选

In other words, banks may lend to you or to me re risky borrowers but they sell the mortgages to Fannie Mae or Freddie Mac they get their money right then and there.

换句话说，银行可能借钱给我们,知道我们的信用度不高，knowing，that，we’,但是银行把贷款卖给,房地美和房利美,转手就拿到现钱。

斯坦福公开课 - 经济学课程节选

You can't stick your bad paper to the banker who knows everybody in the town; he'll figure it out and that's the -and so that's the problem that's solved by bankers.

你休想把垃圾债权随便卖给银行家,因为他对这个圈子了如指掌,他定会识破的,因此银行家们就解决了逆向选择问题

耶鲁公开课 - 金融市场课程节选

Actually, if you have more than $100,000 in a bank account you should probably pull it out and spread it around over several banks because each bank is separately insured, so there's effectively no limit if you're just a little bit smart and move your accounts around.

如果你的银行存款远不止10万,你最好把多余的取出,分别存入几家银行,因为每家银行都是独立保险的,因此不存在担保额度,只要你聪明一点,把存款分别存入几家银行

耶鲁公开课 - 金融市场课程节选