英文笑话：Parking Expenses 停车费
A businessman walked into a New York City bank and asked for the loan officer. He said he was going to Europe on business for two weeks and needed to borrow $5,000. The loan officer said the bank would need some security for such a loan. The business man then handed over the keys to a Rolls Royce that was parked on the street in front of the bank. Everything checked out and the loan officer accepted the car as collateral 1 for the loan. An employee then drove the Rolls into the bank's underground garage and parked it there.
Two weeks later the businessman returned, repaid the $5,000 and the interest which came to $15.41. The loan officer said, "We do appreciate your business and this transaction has worked out very nicely, but we are a bit puzzled. While you were away we checked and found that you are a multimillionaire. What puzzles us is why you would bother to borrow $5,000?"
The business man replied: "Where else in New York City can I park my car for 2 weeks for 15 bucks 2?"
一个商人走进纽约一家银行询问信贷员。他说他准备出差去欧洲两个星期需要借款5000美金。信贷员说银行借款需要提供担保品。商人马上掏出停在银行门前的劳斯莱斯汽车的钥匙。一切手续办妥后银行信贷员接受了汽车做为贷款的抵押。店员把汽车开到银行地下车库并停放在那里。
两个星期后商人从欧洲回来，偿还了5000元借款以及15.41元的利息。信贷员问：“非常感谢您的光顾，这笔交易做得也很完美，但是我们有一个疑问，你离开后我们查了一下发现您是一个富翁。为什么您会不怕麻烦来这借5000元呢？”
商人回答：“除了您这我还能在纽约市的其他地方只需付款15元就能停车两个星期吗？”
- Many people use personal assets as collateral for small business loans.很多人把个人财产用作小额商业贷款的抵押品。
- Most people here cannot borrow from banks because they lack collateral.由于拿不出东西作为抵押，这里大部分人无法从银行贷款。