So this is really gonna make a huge difference to banks with big balance sheets and with big loan books.

因此，这对拥有庞大资产负债和贷款数额的银行来说，确实会产生巨大的影响。

Essentially, that would allow everybody to bank with the central bank and it would become the dominant money in the system.

从本质上讲， 这将使每个人都可以在中央银行存钱， 并且它将成为系统中的主导货币。