银行对客户的一种短期贷款，期限一般只有一两天，拆借时要有担保品，利率由确定并按日计算。银行拆款 通常是在资金较宽裕时进行，因它有随时可收回的特点，故被称为“第二准备金”。
五参与金融同业拆款市场。
这个利率低于近期信贷危机非常严重时期很多银行机构被迫支付的5%的隔夜拆款利率。
That would be lower than recent overnight borrowing rates of more than 5% for many issuers during the worst days of the credit crunch.
这些年来，乔布斯都在为他每一款苹果产品的“拆包例行”做精心设计。
In the years since, Jobs has carefully designed this "unpacking routine" for each and every Apple product.
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