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many still do, that the core activity of banks is gathering savings to oil the wheels of industry, then you are sadly out of date.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.
如果你還和許多人一樣，認(rèn)為銀行的核心業(yè)務(wù)是吸收存款，以便為工業(yè)“車輪”提供潤滑劑，那么不幸的是，你已經(jīng)OUT了。總體而言，大型企業(yè)內(nèi)部產(chǎn)生的現(xiàn)金，足以滿足其投資需求。而中小企業(yè)迫切需要獲得銀行融資。自信貸緊縮以來，它們一直面臨資金匱乏問題，這令人惋惜。不過相對于當(dāng)前金融活動的規(guī)模，它們所需的資金規(guī)模很小。
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