Banks' buffers of deposits should also shrink, relative to loans, as the savings rate falls and as people move cash into higher-return shares and bonds (earning Banks fees in the process).

银行存款的缓冲作用相对于贷款来说，也应该会减小，因为储蓄率降低而且人们把钱放到了回报率高的股票和国债上。

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But due to the liquidity cost, the interest rate on commitment loans is high relative to spot credit loans and debt market loans.

但由于流动性成本的存在，承诺贷款的利率要高于即期信贷市场和债券市场的利率。

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To make this comparison, we need to compare each company's efficiency, not their size, but the relative ease with which each company can issue loans at all.

如果想要做这个比较，我们需要对比两家公司的效率，而非其规模，而是两家公司发放贷款的容易程度。

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So in a huge global financial manifestation of an enormous barn door being closed long after all the horses have vanished from sight, banks since 2008 have been forced by regulators all over the world to hold more capital, relative to the loans and investments they make.

BBC: Have regulators deepened the recession?

Barclays for example has quite large retail loans in Spain, but relative small loans to the Spanish government.

BBC: Will euro banks be saved before meltdown?

Its banks have far more bad loans, relative to the size of the economy, than America's thrifts ever had.

ECONOMIST: Japan��s sick banks