If you think, as many still do, that the core activity of banks is gathering savings to oil the wheels of industry, then you are sadly out of date. Large businesses, overall, generate more than enough cash internally to cover their investment needs. Small and medium-size businesses badly need access to bank finance. They have been woefully short of it since the credit crunch. But the amounts they need are very small relative to the current scale of financial activity.
如果你还和许多人一样，认为银行的核心业务是吸收存款，以便为工业“车轮”提供润滑剂，那么不幸的是，你已经OUT了。总体而言，大型企业内部产生的现金，足以满足其投资需求。而中小企业迫切需要获得银行融资。自信贷紧缩以来，它们一直面临资金匮乏问题，这令人惋惜。不过相对于当前金融活动的规模，它们所需的资金规模很小。
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