太大而不能倒的银行享受着比中等规模银行更低的债务利率，因为贷款人相信这些银行的债券和交易合同能够获得偿付，哪怕银行本身倒闭。
Too-big-to-fail banks enjoy lower interest rates on debt than their mid-size counterparts, because lenders know that the bonds or trading contracts that such banks issue will be paid, even if the bank itself fails.