来自《耶鲁大学开放课程：金融市场 第17集 第17集》

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  in the sense that it deals with a moral hazard problem
  和信息不对称问题上
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  and an asymmetric information problem.
  类似于普通的商业银行
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  We were talking about what banks do--commercial banks.
  我们讨论过商业银行业务
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  Remember, I was telling the story that the big problem
  请记住我讲的大问题
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  with lending to companies is that it's hard to tell
  是贷款给那些
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  whether they are deserving of the loan or not.
  难以判断是否符合贷款条件的公司
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  So, a commercial banker is someone who lives in a business community,
  所以 置身于商圈之中的商业银行家
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  and keeps abreast of everything that's going on,
  需要了解各种情况的最新进展
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  and plays golf with all the local business people,
  与当地所有商业人士打高尔夫球
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  and has a sense--hears the gossip--has a sense of
  甚至还得打听各种八卦
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  who's responsible, who will pay back a loan,
  知道谁可靠 谁能还款
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  who's got a business that's really going,
  谁的公司运作良好