Thus, the problem is not lack of deposit, it is "Too much deposits".

因此，问题不是缺乏存款，而是有“太多的储蓄”。

youdao

The interest rate for time deposits is much higher than regular savings account, too.

定期存款的利率比一般的储蓄存款利率要高得多

youdao

Using domestic deposits to fund purchases of foreign assets involves too much risk: “If the currency were to appreciate, how would we pay it back?”

采用国内存款筹资来购买外国资产涉及太多风险：“如果货币升值，我们将如何收回成本？”

youdao

High bank reserve requirements of as much as 20% for timed deposits and 12% for current accounts keep banks from lending out too much money.

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The theory behind Glass-Steagall (and GS-lite measures like the Volcker Rule and the swaps pushout provision of Dodd-Frank) is that banks with insured deposits are subject to moral hazard, and will take on too much risk.

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