来自《耶鲁大学开放课程：金融市场 第13集 第13集》

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  --we're accepting business loans
  我们向企业发放贷款
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  --they don't want to have to pay the money tomorrow.
  大多数贷款企业都不希望今天借明天还
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  If you're borrowing money for a business,
  如果你是为了经营活动贷款
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  you might want to open a store
  比如要开一家商铺
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  and you'd want to stock your merchandise
  或者是要进货
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  and your business won't prosper for a couple years.
  或者你的生意在最初几年都要贴钱
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  Or, you might be building a factory
  或者你要建一个工厂
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  and you can't pay the money back right away.
  这样你不可能借了钱马上就还
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  You need the loan for years,
  这笔款你需要贷若干年
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  but investors don't want to tie up their money for years.
  可是投资者不希望他们的钱被占用好几年
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  So what banks offer is liquidity
  而银行就提供了流动性
• 
  
  --the ability to borrow short
  即接受短期存款