A sudden fall in sales will leave them without cash at a time when bank overdrafts are hard to secure or to increase.

销售的突然下降将让他们没有现金，同时银行透支额也很难保证或增加。

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Bank deposits would have to be converted at the same time, and the same rate, as overdrafts and mortgages to keep the value of Banks' debts in line with their assets.

银行存款要在同一时间以相同的汇率转换过来，银行的透支款和抵押贷款的外借款总值要与银行资产持平。

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They have free bank accounts that are currently subsidised by richer customers with big savings balances and the financially disorganised who pay penalties for unauthorised overdrafts.

他们拥有目前得到以下两方面补贴的免费银行账户，这两方面是指储蓄余额庞大的更加富裕的客户，以及为未经授权的透支行为支付罚金的财务管理混乱者。

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"They are not the type of people who would be able to go and negotiate large bank overdrafts so a lot of them are in a difficult position and need help immediately, " said Mr Sinclair.

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John Lamidey, chief executive of the Consumer Financial Association which represents the eight largest payday loan lenders, said most long-term debt was on credit cards and bank overdrafts and he advised anyone with long-term debt to go to Citizens Advice (CAB).

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It is the aggregate value of bank deposits less overdrafts but not the monetary base.

FORBES: Money, Economy, Statistics