处于底层的大部分由那些要么太小要么太弱不足以利用长期基金的储蓄银行组成。
The bottom layer is mostly made up of savings Banks that are either too small or too weak to tap longer-term funds.
事实上，储蓄也并不完美：他们太容易突然消散(这可以问北岩银行)，并且他们与长期资产如抵押贷款确实没有关联。
In fact, deposits are not perfect either: they too can suddenly evaporate (just ask Northern Rock) and they suffer from a maturity mismatch with long-term assets such as mortgages.
想想在美国储蓄与信贷危机后催生的财富，以及收购日本长期信贷银行(并更名为新生银行)时聚敛的钱财吧。
Think of the fortunes made in the wake of America's savings-and-loan debacle, or by the acquirers of Japan's Long-Term Credit Bank, since renamed Shinsei.
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