在动你的这笔长期存款之前，先确认你已经没有其他办法了。

Make sure you've exhausted all of your other options before digging into your nest egg.

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例如，它并没有将在银行长期存款账户里面的款项用于“社会投资银行”的资本化项目中。

For instance, it did not use money in long-dormant bank accounts to capitalise a “social investment bank”.

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第二步，根据贷款利率放开情况，将部分长期存款利率放开，如一年期储蓄存款，协定对公存款等；

Second step, lets loose the situation according to the rate on loan, lets loose the part long-term deposit interest rate, like one year time savings deposit, agreement to male deposit and so on;

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So what banks offer is liquidity -the ability to borrow short even though the loans that are made are long-term.

而银行就提供了流动性,即接受短期存款,但可以发放长期贷款的能力

耶鲁公开课 - 金融市场课程节选

Even though the deposits are short-term and the depositor can get the money at any time, the depositor is earning interest of a level that can only be made on long-term loans.

即使是短期存款,存款人可以随时取走存款,存款人也可获取仅从长期贷款中,才可得到的利息水平

耶鲁公开课 - 金融市场课程节选