为了避免在新的一年出现流动性危机，付出如此高昂的代价是完全值得的：对弱小的银行来说，能够以与强大的银行相同的利率借款，比完全借不到不知好上多少。
It is worth paying a high price to stave off a liquidity crisis over New Year: better that weak Banks are able to borrow at the same rates as strong ones than that they are not able to borrow at all.
这允许银行可以短期借进，长期借出，从商业贷款更高的利率中获益。
That allows banks to borrow short and lend long; earning higher rates on loans to business.
四年前，借户们沉迷于几乎半个世纪以来的最低利率。
Four years ago they were luxuriating in the lowest interest rat es for almost half a century.
然而这中间有个“圈套”：你借的那部分钱要付利息，通常利率都高得吓人。
However, there is a catch there. You have to pay interest for that borrowed amount. Usually the interest rate is outrageously high.
利息是根据银行基准利率加上百分点，按逐日的透支金额计算，每半年借记账户。
Interest tis calculated on the amount of overdraft on a daily basis and charged to the account half-yearly, at a rate based on the percentage over the bank's base rate.
某玩家如果不能付帐，可以从其他人手里借，利率可以任意商定。例如，三轮100%的利率。
Players who cannot pay their fines may borrow from each other at any rate they care to settle on-for instance, 100% interest within three turns.
尽管账户上没有贷记利息，但凡是“名义上”的利率超过借记项目的费用，就不收取费用。
Where the "notional" interest exceeds the cost of the debit items no charge is made, although no interest is credited to the account.
美国连续多年实行低利率政策鼓励信贷，最终借钱者借的钱超过了偿还能力，造成了这场全球金融危机。
America have carried out the low-interest policy for years to encourage credit consumption, and finally the money borrowed is more than the repaying ability, causing the global financial crisis.
市场利率下降时，则可以借新还旧，继续保持较低的贷款利率，从而很好地满足了规避利率风险的要求。
Market interest rates, can also take advantage of the new old, continue to maintain low loan interest rates, thereby properly met circumvent interest rate risk.
若是实物借贷，又要求以实物作为本利偿还，或借现金而要以实物为利息，年利率在20%以上者才可视为高利贷。
If in lending, the demand for in-kind as principal and interest repayment, or to borrow cash and in kind to be interest in more than 20% per annum can be considered as persons usury.
若是实物借贷，又要求以实物作为本利偿还，或借现金而要以实物为利息，年利率在20%以上者才可视为高利贷。
If in lending, the demand for in-kind as principal and interest repayment, or to borrow cash and in kind to be interest in more than 20% per annum can be considered as persons usury.
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