英语翻译
Footnotes
1.Alternatively,one might assume that the direct marginal benefits of supervision and planning would decline monotonically with the amount expended on them,as would the marginal effects
that these expenditures have on depositor discipline.
2.Credit cards and checks can be accepted,perhaps supplemented by ad hoe documents or collateral,to establish evidence of personal indebtedness whose value may be collectable in part from other sources if authorities place the issuing bank into liquidation.