well everybody can come to me

每家银行都可以来找我
and I'll lend you all money to keep you liquid,

我会借钱给你们以保证现金流动
so this whole system doesn't stop.

因此整个金融系统不会因此而停滞
As it impacts regular people is

金融危机对普通的人影响是
when the financial institutions go into a crisis like this

当金融机构遭遇危机时
and stop lending or reduce their lending of money.

它就停止或者减少向外借贷资金
There's less money for regular people to borrow to go about their lives

人们用于生活和做生意的贷款
and businesses to get.

就更少了
As that starts happening,

事情一旦有个开头
an economy will slow down and go into a recession

整个社会的经济就持续下滑并且衰退
and that's what's happening in the United States.

这就是美国的现状
For those of you who are graduating this year,

今年要毕业的同学们