bank runs

简明释义

向银行提取存款的浪潮

英英释义

例句

1.After the rumors of insolvency, the bank experienced significant bank runs 挤兑 that depleted its reserves.

在破产传言后，银行经历了严重的挤兑，使其储备耗尽。

2.To avoid bank runs 挤兑, banks maintain a certain level of liquid assets.

为了避免银行挤兑，银行保持一定水平的流动资产。

3.During the financial crisis, many people feared bank runs 挤兑 would occur, leading to a loss of savings.

在金融危机期间，许多人担心会发生银行挤兑，导致储蓄损失。

4.The government intervened to prevent bank runs 挤兑 by assuring depositors that their money was safe.

政府通过向存款人保证他们的钱是安全的，来防止银行挤兑。

5.Social media can quickly spread panic and trigger bank runs 挤兑 among customers.

社交媒体可以迅速传播恐慌，并引发客户之间的银行挤兑。

作文

The term bank runs refers to a situation where a large number of customers withdraw their deposits from a bank simultaneously due to fears that the bank will become insolvent. This phenomenon can lead to a liquidity crisis for the financial institution, as banks typically do not keep enough cash on hand to accommodate all depositors withdrawing their money at once. Understanding the concept of bank runs is crucial, especially in today's economic climate where trust in financial institutions can fluctuate rapidly. Historically, bank runs have played a significant role in shaping banking regulations and policies. One of the most notable instances occurred during the Great Depression in the 1930s when thousands of banks failed as people rushed to withdraw their savings. The panic was fueled by the lack of insurance on deposits at that time, leading to widespread fear and distrust in the banking system. In response, governments around the world implemented measures such as deposit insurance to protect consumers and restore confidence in banks. In modern times, the risk of bank runs has not been eliminated, but it has been mitigated through various safeguards. For example, the establishment of the Federal Deposit Insurance Corporation (FDIC) in the United States has helped reassure depositors that their funds are safe, even in the event of a bank failure. However, the digital age has introduced new challenges, as information spreads quickly online, potentially triggering panic withdrawals before a bank can react. The psychological aspect of bank runs is also fascinating. Often, the mere rumor of a bank's instability can incite a rush of withdrawals. This illustrates how human behavior and emotions can significantly impact financial systems. When individuals see others withdrawing their money, they may feel compelled to do the same, fearing they might lose their savings if they wait too long. This herd mentality can create a self-fulfilling prophecy, where the fear of insolvency leads to actual insolvency. To prevent bank runs, banks must maintain strong communication with their customers. Transparency regarding their financial health and the measures they take to safeguard deposits can help alleviate fears. Additionally, central banks play a critical role in providing liquidity to struggling banks during times of crisis, which can help stabilize the financial system and prevent a full-blown panic. In conclusion, bank runs represent a significant risk to the stability of financial institutions and the economy as a whole. Understanding their causes and implications is essential for both consumers and policymakers. By learning from past events and implementing robust regulatory frameworks, we can work towards a more resilient banking system that can withstand the pressures of public perception and economic uncertainty. Ultimately, fostering trust between banks and their customers is key to preventing future bank runs and ensuring a stable financial environment for all.

短语银行挤兑指的是大量客户由于担心银行会破产而同时提取存款的情况。这种现象可能导致金融机构的流动性危机，因为银行通常不会保留足够的现金以应对所有存款人同时提取资金的情况。理解银行挤兑的概念至关重要，尤其是在当今经济气候中，金融机构的信任可以迅速波动。历史上，银行挤兑在塑造银行监管和政策方面发挥了重要作用。最著名的实例之一发生在20世纪30年代的大萧条时期，当时成千上万的银行因人们急于提取储蓄而倒闭。这种恐慌是由于当时存款缺乏保险所引发的，导致对银行系统的广泛恐惧和不信任。作为回应，各国政府实施了诸如存款保险等措施，以保护消费者并恢复对银行的信心。在现代，银行挤兑的风险并未消除，但通过各种保障措施得到了缓解。例如，在美国建立的联邦存款保险公司（FDIC）帮助向存款人保证，即使在银行失败的情况下，他们的资金也是安全的。然而，数字时代带来了新的挑战，因为信息在网上迅速传播，可能在银行能够反应之前引发恐慌性提款。银行挤兑的心理方面也很有趣。往往，单纯的关于银行不稳定的谣言就能引发提款潮。这说明人类行为和情感如何显著影响金融系统。当个人看到其他人提取资金时，他们可能会感到有必要这样做，担心如果他们等得太久就会失去储蓄。这种羊群效应可能会创造出自我实现的预言，即对破产的恐惧导致实际的破产。为了防止银行挤兑，银行必须与客户保持强有力的沟通。关于其财务健康状况及其保护存款所采取的措施的透明度可以帮助缓解恐惧。此外，中央银行在危机时期为陷入困境的银行提供流动性方面发挥着关键作用，这可以帮助稳定金融系统并防止全面恐慌。总之，银行挤兑代表了对金融机构及整个经济稳定的重大风险。理解其原因和影响对消费者和政策制定者都至关重要。通过借鉴过去的事件并实施强有力的监管框架，我们可以朝着一个更具韧性的银行系统迈进，该系统能够承受公众认知和经济不确定性的压力。最终，促进银行与客户之间的信任是防止未来银行挤兑并确保所有人稳定金融环境的关键。