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 businessman 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 collateral¹ for the loan. An employee then drove the Rolls into the bank’s underground garage and parked it there.

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作为贷款的抵押。店员把汽车开到银行地下车库并停放在那里。

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?”

两个星期后商人从欧洲回来，偿还了5000美元借款以及15.41美元的利息。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。为什么您会不嫌麻烦来这借5000美元呢?”

The business man replied: "Where else in New York City can I park my car for 2 weeks for 15 bucks²?”

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美元就能停车两个星期吗?”