In fact, deposits are not perfect either: they too can suddenly evaporate (just ask Northern Rock) and they suffer from a maturity mismatch with long-term assets such as mortgages.

事实上，储蓄也并不完美：他们太容易突然消散(这可以问北岩银行)，并且他们与长期资产如抵押贷款确实没有关联。

youdao

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。

youdao

It has improved its funding profile, too, replacing tens of billions of short-term debt with long-term debt and deposits.

它也在改善其资本构成，将100亿美元的短期贷款转换成了长期贷款和储蓄。

youdao

Banks' operating profits have risen sharply in recent years as they have invested in long-term government securities and funded these with deposits for which they have had to pay almost nothing.

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Total deposits rose 12% during the year, enabling Santander to repay 24bn euros of the long-term emergency loans it - along with most other banks in the eurozone - received from the European Central Bank last year.

BBC: Santander profits hit by Spain bad loans