lend money at interest

Others lend money only if borrowers agree to redeposit up to half of the loan in the same bank at a much lower interest rate.

有些银行要求借贷人借款后要存上借款额一半的存款，而且利率要比常规存款利率低，才同意贷款。

Banks raise most of their money through short-term household deposits on which they pay an interest rate of just 0.7 percent. They lend at rates of 6 percent or more.

银行通过家庭的短期存款筹集大部分资金，通常只需要付0.7%的年息，但贷款利息是6%或更多。

If the recovery falters, the BoJ could go further, exploring the use of negative interest rates on bank balances, which would encourage Banks to lend money rather than hoarding it at the central bank.

如果经济恢复有些疲软，那么日本银行可以采取进一步的措施，在银行结余上探求负利率的应用，此举可以鼓励银行放出更多的贷款而不是把资金囤积在中央银行。