All of these banks are really in control of short-term interest rates and these interest rates are used to try to manage and stabilize the economy.

所有国家的中央银行都可以,控制短期利率,通过控制短期率达到,管理和稳定经济的作用

耶鲁公开课 - 金融市场课程节选

Even though the deposits are short-term and the depositor can get the money at any time, the depositor is earning interest of a level that can only be made on long-term loans.

即使是短期存款,存款人可以随时取走存款,存款人也可获取仅从长期贷款中,才可得到的利息水平

耶鲁公开课 - 金融市场课程节选