So the commercial banks, they called this " financial intermediation."

所以业行们，被称为“金融媒介”。

So let me create a a couple of normal commercial banks.

首先让我来画几个业行。

I think the commercial banks are not doing enough.

我认为业行做得还不够。

We're talking about a commercial bank or lending out the money.

假设金融中介业行 它们会把钱贷出去。

Part of what they should be doing is to be talking to the commercial banks.

他们应该做的一部业行对话。

Established in 1983, Silicon Valley Bank was, just before collapsing, America's 16th largest commercial bank.

硅谷行成立于1983年，在倒闭前曾美国第16大业行。

M-Shwari, M-Co-op Cash and KCB M-Pesa, all of them linked to large commercial banks.

M-Shwari、M-Co-op Cash及KCB M-Pesa, 全部大型业行挂钩。

But bottom lines suffered as commercial banks set aside reserves to prepare for likely credit losses.

但随着业行为可能的信贷损失做拨款准备，盈亏底线受到了影响。

Commercial banks are bracing for the impact of the crisis, but it has yet to come.

业行正在为危机的影响做准备，但危机尚未到来。

Another innovative method commercial banks use to prevent the threat of bank runs is the introduction of term deposits.

业行用来防止行挤兑威胁的另一种创新方法引入定期存款。

In others it is advance payments from oil traders, liabilities from public-private partnerships or hidden loans from commercial banks.

在其他地方，来自于石油交易的预付款、来自公私伙伴的债务或来自业行的隐性贷款。

Inclusive loans to micro and small businesses by large commercial banks will increase by over 30 percent this year.

大型业行普惠小微企业贷款增长30％以上。

The Bank of Japan also has set a negative interest rate for the money commercial banks hold with it.

日本央行还将业行存入该行的资金定为负利率。

They can receive a loan from other commercial banks or from the Federal Reserve in these kinds of exceptional circumstances.

在这些特殊情况下，他们可以从其他业行或美联储那里获得贷款。

Over the past year those in commercial banks have sunk by half a trillion dollars, a drop of nearly 3%.

在过去的一年里，业行的存款减少了5000亿美元，降幅接近3%。

The Kenyan President Uhuru Kenyatta has signed into a law a bill which caps interest rates charged by commercial banks.

肯尼亚总统乌胡鲁审批通过了一项法案，该法案对肯尼亚业行收取的利率采取了封顶措施。

Commercial banks, especially small and medium-sized ones, should replenish capital to ensure sufficient lending to the real economy, said Lou.

楼继伟说，业行，特别中小行，应该补充资本金，确保向实体经济提供足够的贷款。

Commercial banks have these things called reserves.

业行拥有这些称为准备金的东西。

Instead, cash is created by commercial banks and it never actually gets printed.

相反，现金由业行创造的，实际上从未印制过。

They see them as redundant to the lending that commercial banks already do.

他们认为它们对于业行已经提供的贷款来说多余的。