来自《耶鲁大学开放课程：金融理论 第6集 第6集》

• 
  
  I'll--hang on a second.
  稍等
• 
  
  Yep?
  有问题么
• 
  
  Student: That would make it lower.
  实际利率会更低
• 
  
  That's going to lower it.
  会使实际利率降低
• 
  
  Why is that?
  为什么如此
• 
  
  So there's an intuitive way of saying it which
  凭直觉来说
• 
  
  is his which is that the rich, because they're patient,
  富人 由于他们有耐性
• 
  
  are probably the lenders.
  会成为贷方
• 
  
  Now they're even more willing to lend and
  现在他们更愿意放贷
• 
  
  so the interest rate has to go down to get these other people to borrow.
  以致利率降低 更多人可以进行借款
• 
  
  A formal way of saying it is that if you transfer money from
  一种正式的说法即为如果你将钱
• 
  
  the rich to the poor
  由富人转移至穷人