I'm a little short but I was doing OK. But I did do some research when I saw this book last year.

虽然款项很少，但是我还做得不错,我去年看这本书的时候，做了些调查。

普林斯顿公开课 - 人性课程节选

This means that you would have to pay extra money at the end, but they decided that people have trouble doing that.

这表示你在最后必须支付额外的款项,但他们觉得人们对偿还额外款项会有困难

耶鲁公开课 - 金融市场课程节选

People can't pay that, if they're in any trouble, they can't come up with the whole value of the loan all at once.

如果人们遇到困难,将无法一次性凑齐这笔大额款项

耶鲁公开课 - 金融市场课程节选

Capital is the money that they have to pay out should there be a -its assets that they can quickly liquefy and pay out should there be a run on the bank.

资本金就是他们可以,用作偿付的现金,当...,这是当出现挤兑时,银行可以迅速,变现并且用作支付款项的资产

耶鲁公开课 - 金融市场课程节选