所以，法定准备金率和银行的准备金额共同决定了货币创造的上限。 什么是银行准备金？
Thus, the legal reserve ratiotogether with the dollar amount of bank reserves are the factors that set theupper limit to money creation.
如果帐号是来自两个不同的银行会发生什么呢？
And what happens if the accounts are from two different Banks?
问题是：日本银行到底愿意玩到什么程度？
The question is: to what extent is the Bank of Japan willing to run with this activity?
DrCohen推测可能是在资源奇缺且不可预料时有什么与生存相关的因素，而不是合同和有效的银行系统这些原因。
Dr Cohen speculates that it may have something to do with survival when the arrival of resources is scarce and unpredictable, rather than the subject of contracts and an efficient banking system.
让他们看不明白的是：银行为什么要照顾锦湖集团？
They do not see why the bank should be doing Kumho Asiana any favours.
官员经常说最聪明的人总是到钱最多的地方去了——去了银行，换句话说并不是代理人在管理他们。老是说这些是没有什么帮助的。
It does not help that officials are repeatedly told that the smartest people go where the money is-into the Banks, in other words, not the agencies that regulate them.
固定那些奖金几乎人人都认为在被保释的银行家的发薪日应该做点什么，然而解答是令人难以琢磨的。
Fixing Those Bonuses Almost everyone thinks something should be done to curb big paydays for bailed-out bankers, but solutions are elusive.
当你准备穿着牛仔裤去上班的时候，得先考虑一下你的工作环境，该穿什么合适。如果你是位银行家或者律师，那么只怕在休闲星期五这天也得穿着西装裤。
Before you slip on a pair of weekday jeans, consider your workplace and what is appropriate-if you are a banker or a lawyer, you might be limited to twill trousers even on Casual Friday!
没有什么能够很好的预示今日全球经球的复苏，因为部分问题在于净化银行业系统是一项漫长而又繁琐的任务。
None of that bodes well for the recovery of the global economy today. Part of the problem is that it is a long and messy task to clean up a banking system.
没有什么能够很好的预示今日全球经球的复苏，因为部分问题在于净化银行业系统是一项漫长而又繁琐的任务。
None of that bodes well for the recovery of the global economy today.Part of the problem is that it is a long and messy task to clean up a banking system.
银行会抱怨官样文章的繁琐，但是如果有什么信息是重要的，必然是这个。
Banks will complain about red tape, but if any information is important, it is surely this.
取得风险管理的权力是为什么像UBS这样的银行更愿意在这些地区的运营拥有完全的控制权的原因。
Getting the risk management right is one of the reasons why Banks like UBS prefer to have full control of operations in the region.
关于并购的银行家们，他感到不解的是，“为什么他们获得丰厚的奖励呢？
On mergers and acquisitions bankers, he said: "And why do M&A bankers get so hugely rewarded?
赛德曼说：“瑞士银行的格言是：‘你和我’但是这个我们所创造的世界却实际上是‘你和什么都不是的东西’——没有东西是真正存在价值的。”
"UBS bank's motto is: 'You and us.' But the world we created was actually 'You and nobody' - nobody was really connected in value terms," said Seidman.
让问题变得更加严重的是，只有创造这些东西的银行家才能解释它们是什么。
The problem is compounded by the fact that the only people who can explain them are the bankers who created them.
不论他们是如何努力地去提高自己的个性化服务，银行和银行之间的差别都不是很大，而且为我提供服务的那几家银行都基本上没什么差别。
No matter how hard they try to improve their "personalized" service, however, banks are pretty much the same all over, and my bank is really no different from the rest.
银行是一种很奇怪的存在，除了它以外，没有别的什么公司由于外部监管的介入反而导致业绩下滑的。
Banks are odd creatures; there is no sign that external monitoring has produced the same perverse results for other companies.
例如，从现在起，结构性产品交易必须经过银行部门批准而不是只交易部门决定，银行部门考虑的是客户的想法，交易部门则是什么都要。
From now on, for instance, structured deals will have to be approved by bankers who care what clients think, not just the traders who put them together.
正如一位观察者所评论的那样，大量这样的客户是那些每年能从自己的生意上获利25%的人，他们很难理解为什么私人银行提供的回报如此之低。
As one observer remarks, many of these clients were people who were earning 25% a year from their own businesses; they found it hard to understand why private Banks were offering much lower returns.
这就是为什么这绝对是削减公共支出的错误时间的原因，也是为什么英格兰银行必须继续进行定量宽松政策的原因。
That is why this is absolutely the wrong time to cut public spending and why the Bank must keep on with quantitative easing.
没错，无论监管机构做些什么，风险将依然是银行业必不可少的组成部分。
True, risk will remain the sine qua non of banking, whatever the regulators do.
不管欧洲中央银行的动机是什么，德国人是对的。
2008年的问题是：雷曼兄弟的债权人未能监测到投资银行所冒风险，所遭受的损失为什么要美国纳税人对他们进行补偿？
In 2008 the question was: why should American taxpayers protect Lehman creditors from the consequences of their own failure to monitor risks taken by the investment bank?
可是为什么要建银行博物馆呢？柜台职员：为了迎接2010年的世博会，上海已经建成了不少新的博物馆，其中包括银行博物馆，这样做目的是要向公众介绍上海本地的工业。
Clerk: to welcome the World Expo 2010, Shanghai has built many new museums including the banking museum to introduce the local industries to the public.
这也是为什么对银行的救助是如此前所未有的慷慨。
“有些人想要把资产藏起来而不让他本国的人发现，这总是有些原因的…. .但是，不交税是没有什么理由可讲的”，领导着瑞士银行家协会的KonradHummler如是说。
"There are reasons why someone wants to hide his belongings from his home country... but there is no reason not to pay taxes," says Konrad Hummler, who heads the Swiss Private Bankers Association.
“有些人想要把资产藏起来而不让他本国的人发现，这总是有些原因的…. .但是，不交税是没有什么理由可讲的”，领导着瑞士银行家协会的KonradHummler如是说。
"There are reasons why someone wants to hide his belongings from his home country... but there is no reason not to pay taxes," says Konrad Hummler, who heads the Swiss Private Bankers Association.
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