Why do banks even exist in a world of burgeoning private credit? Theoretically because cheap customer deposits allow traditional institutions to lend profitably. As the old joke goes: banking is as easy as 1-2-3. Pay depositors 1 per cent, lend at 2, hit the golf course by 3.
在私募信贷迅速增长的世界中，银行为何仍然存在？理论上，廉价的客户存款使传统机构能够盈利放贷。正如老笑话所说：银行业务简单如1-2-3。给存款人1%的利息，以2%的利率放贷，3点钟去打高尔夫。
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