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.
在私募信貸迅速增長的世界中，銀行為何仍然存在？理論上，廉價的客戶存款使傳統機構能夠盈利放貸。正如老笑話所說：銀行業務簡單如1-2-3。給存款人1%的利息，以2%的利率放貸，3點鐘去打高爾夫。
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