It pays interest on the deposit and it collects interest on the loans and it charges a higher interest on the loan than they pay on the deposit.

银行付给存款人利息,同时收取贷款利息,贷款的利息较高,支付给存款人的利息较低

耶鲁公开课 - 金融市场课程节选

In that case, the bank can pay interest to depositors.

这样,银行就可以向存款人支付利息了

耶鲁公开课 - 金融市场课程节选

Even though the deposits are short-term and the depositor can get the money at any time, the depositor is earning interest of a level that can only be made on long-term loans.

即使是短期存款,存款人可以随时取走存款,存款人也可获取仅从长期贷款中,才可得到的利息水平

耶鲁公开课 - 金融市场课程节选

If banks get in trouble and they can't pay out -if one bank gets in trouble and can't pay out on its deposits, then that can bring the whole system down because it can cause a panic among investors -among depositors and banks -and create a run on a bank.

如果银行出现问题而且他们无法支付...,如果一家银行出现问题,并且无法支付提取的存款,那么这就会使得整个系统崩溃,因为这会在投资者中引起恐慌...,在存款人和银行中引起恐慌,并且造成银行挤兑

耶鲁公开课 - 金融市场课程节选