So,essentially we borrow from research in psychology that shows that religion affects believers' moods, happiness and risk-taking attitudes.

VOA: standard.2010.08.05

Most of the people who want to borrow money from the banks -let's talk about businesses -we're accepting business loans -they don't want to have to pay the money tomorrow.

大多数想从银行贷款的人...,我指的是企业,我们向企业发放贷款,大多数贷款企业都不希望今天借明天还

耶鲁公开课 - 金融市场课程节选

The other thing is moral hazard -this is that companies, once they borrow money from anybody, a bank or anyone else, they have an obligation, which is fixed in dollar terms.

另一个问题是道德风险,意思是说,一旦公司借了钱,无论是从银行还是其他渠道,他们就背负了一种义务,金钱的义务

耶鲁公开课 - 金融市场课程节选

if your friend asked to borrow $100 from you, ... you would probably not say-- you might actually put interest on this person, so you could say, alright, I'll do it with 5% interest, pay me back in a year.

你的朋友向你借100美元，你可能不会说-,你可能会对他收取利息，因此你没准会说，好吧，我要收5%的利息，一年之后连本带利还我。

耶鲁公开课 - 金融市场课程节选