Which of the following functions are performed by depository institutions? I. They make long-term loans using short-term deposits, thereby creating liquidity. II. They efficiently gather funds from a large base of depositors. III. They concentrate risk. (存款机构执行以下哪项职能?一,利用短期存款长期借款,形成流动资金。 II 。他们有效地从大量存款人收集资金。 III 。他们集中风险。——中文由在线翻译而来,仅供参考)