A businessman walks into a bank in San Francisco and asks for the loan officer. He says he is going to Europe on business for two weeks and needs to borrow $5,000. The bank officer says the bank will need some kind of security for such a loan.

一个商人走进旧金山一家银行里咨询信贷人员。他要去欧洲出差想借用5000美元。信贷员告诉他，如果要做这种贷款需要抵押一些东西才可以。

So the businessman hands over the keys to a Rolls Royce parked on the street in front of the bank. Everything checks out, and the bank agrees to accept the car as collateral¹ for the loan. An employee drives the Rolls into the bank's underground garage and parks it there.

于是这个商人把停在银行门口的劳斯莱斯车钥匙交给了他们。通过审核后，银行同意了这笔信贷业务。一个工作人员将这辆车开入银行的地下车库并且停好。

Two weeks later, the businessman returns, repays the $5,000 and the interest, which comes to $15.41.

两个礼拜过去后，这个商人回来了，返还了5000美元，并且支付了利息15.41美元。

The loan officer says, "We are very happy to have had your business, and this transaction has worked out very nicely, but we are a little puzzled. While you were away, we checked you out and found that you are a multimillionaire. What puzzles us is why would you bother to borrow $5,000?"

信贷员说：“很高兴能够同您顺利完成这笔交易，但是我们还是有一点小小的困惑。在您离开的这段时间，我们核实到您是一个千万富翁。那么您为何会为了这区区5000美金而劳心费神呢？”

The businessman replied, "Where else in San Francisco can I park my car for two weeks for $15 bucks²?"

这商人答复说：“在旧金山，难道还有其他地方可以寄存我的车而仅仅需要15美元吗？”