The moral hazard crept in because they said, hey we can borrow at a high rate.

业内悄然出现道德危机,因为他们说,我们可以提高存款利率

耶鲁公开课 - 金融市场课程节选

The other but more commonly used monetary policy is to change the rate is to effectively alter the rate of interest on deposits.

另一种形式，更广泛地被运用着,是货币政策是用来改变比率,有效地调整存款的利率水平。

耶鲁公开课 - 金融市场课程节选

That's Depository Institution's Deregulation and Monetary Control Act; what that did was, it eliminated ceilings on interest rates --on deposits, it allowed banks to pay high interest rates.

存款机构放松管制和货币控制法案,所做的就是,取消了存款利率的上限,准许银行支付高额利率

耶鲁公开课 - 金融市场课程节选