资本金就是他们可以，用作偿付的现金，当…，这是当出现挤兑时，银行可以迅速，变现并且用作支付款项的资产。

Capital is the money that they have to pay out should there be a -its assets that they can quickly liquefy and pay out should there be a run on the bank.

youdao

为了应对潜在的损失，这些金融机构必须持有数量相对庞大的资本金。同时为了满足债权人可能的还款要求，此类机构也必须同时持有数量较多的现金。

Such institutions would be required to hold relatively large amounts of capital to cover possible losses, relatively large amounts of cash to cover possible demands from creditors, and so on.

youdao

因此，对于任何资产，无论是现金、美国国债、还是据称安全的按揭贷款，银行都必须至少持有相当于资产额5%的资本金。

So for any asset, be it cash, U.S. Treasury securities, or supposedly safe mortgages, Banks must hold at least 5% capital against it.

youdao

Capital is the money that they have to pay out should there be a -its assets that they can quickly liquefy and pay out should there be a run on the bank.

资本金就是他们可以,用作偿付的现金,当...,这是当出现挤兑时,银行可以迅速,变现并且用作支付款项的资产

耶鲁公开课 - 金融市场课程节选