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

Your banker understands that your business can't pay the money back and that the bank has a reputation in the community of helping business people, so they won't ask for the money even though it's a short-term loan that they made to you.

他会理解,你的公司可能无法还钱,在业界里银行向来,有帮助企业家的美名,所以他们不会要求你还钱,即使他们借给你的是短期贷款

耶鲁公开课 - 金融市场课程节选