We were talking about what banks do--commercial banks.

我们讨论过商业银行业务
Remember, I was telling the story that the big problem

请记住我讲的大问题
with lending to companies is that it's hard to tell

是贷款给那些
whether they are deserving of the loan or not.

难以判断是否符合贷款条件的公司
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
and keeps abreast of everything that's going on,

需要了解各种情况的最新进展
and plays golf with all the local business people,

与当地所有商业人士打高尔夫球
and has a sense--hears the gossip--has a sense of

甚至还得打听各种八卦
who's responsible, who will pay back a loan,

知道谁可靠谁能还款
who's got a business that's really going,

谁的公司运作良好
who's got a business that's sick and on the way out;

谁的公司危机重重即将破产
that's what a bank does.

这是商业银行要做的