bank failure

简明释义

银行倒闭

英英释义

例句

1.Investors are concerned that another bank failure could trigger a recession.

投资者担心另一个银行倒闭可能会引发经济衰退。

2.Many employees lost their jobs due to the sudden bank failure.

由于突如其来的银行倒闭，许多员工失去了工作。

3.The recent bank failure has left many customers worried about their savings.

最近的银行倒闭让许多客户对他们的储蓄感到担忧。

4.After the bank failure, the government stepped in to protect depositors.

在银行倒闭后，政府介入以保护存款人。

5.Experts are analyzing the causes of the bank failure to prevent future occurrences.

专家们正在分析银行倒闭的原因，以防止未来再次发生。

作文

The term bank failure refers to the situation when a bank is unable to meet its obligations to depositors and creditors, leading to insolvency. This phenomenon can have far-reaching implications not only for the financial sector but also for the broader economy. Understanding bank failure is crucial, especially in times of economic uncertainty. One of the primary causes of bank failure is poor management. When banks engage in risky lending practices or fail to adequately assess the creditworthiness of borrowers, they expose themselves to significant losses. For instance, during the financial crisis of 2008, many banks faced bank failure due to their heavy investments in subprime mortgages. These mortgages were often given to individuals with poor credit histories, leading to high default rates when the housing market collapsed. Another contributing factor to bank failure is economic downturns. During periods of recession, businesses struggle, resulting in increased loan defaults. As more loans go unpaid, banks find it increasingly difficult to maintain liquidity. This was evident during the Great Depression, where numerous banks across the United States experienced bank failure, leading to widespread panic among depositors. Regulatory oversight plays a vital role in preventing bank failure. Governments and financial authorities implement various regulations to ensure that banks maintain adequate capital reserves and adhere to sound banking practices. However, in some cases, regulatory bodies may fail to act promptly or effectively, allowing banks to engage in risky behaviors that ultimately lead to their downfall. The collapse of Lehman Brothers in 2008 serves as a stark reminder of the consequences of inadequate regulation and oversight. The effects of bank failure extend beyond the immediate financial loss to depositors. When a bank fails, it can trigger a chain reaction throughout the economy. Depositors, fearing for their savings, may rush to withdraw funds from other banks, leading to a liquidity crisis. This phenomenon, known as a 'bank run,' can exacerbate the situation, causing even healthy banks to face insolvency. Thus, the interconnectedness of banks means that one bank failure can have catastrophic effects on the entire financial system. In response to bank failure, governments often implement measures to stabilize the banking system. This could include providing emergency funding to struggling banks or facilitating mergers between failing institutions and healthier ones. The aim is to restore confidence in the banking system and prevent widespread panic. For example, during the 2008 financial crisis, the U.S. government introduced the Troubled Asset Relief Program (TARP) to support banks facing bank failure. In conclusion, understanding the concept of bank failure is essential for grasping the complexities of the financial system. It highlights the importance of sound management practices, effective regulatory oversight, and the potential ripple effects on the economy. As we move forward, it is imperative that both banks and regulators learn from past mistakes to prevent future instances of bank failure and maintain stability in the financial landscape.

“银行破产”一词指的是当一家银行无法满足对存款人和债权人的义务时，导致其资不抵债的情况。这种现象不仅对金融部门而且对更广泛的经济都有深远的影响。理解“银行破产”在经济不确定时期尤为重要。导致“银行破产”的主要原因之一是管理不善。当银行进行高风险贷款或未能充分评估借款人的信用worthiness时，它们就会面临重大损失。例如，在2008年的金融危机中，许多银行因重度投资于次级抵押贷款而面临“银行破产”。这些抵押贷款通常是给予信用历史较差的个人，导致住房市场崩溃时违约率飙升。经济衰退也是导致“银行破产”的一个因素。在衰退期间，企业挣扎，导致贷款违约增加。随着更多的贷款无法偿还，银行发现维持流动性越来越困难。这在大萧条期间显而易见，当时美国各地的许多银行经历了“银行破产”，导致存款人之间广泛的恐慌。监管监督在防止“银行破产”中起着至关重要的作用。政府和金融机构实施各种法规，以确保银行保持足够的资本储备并遵循稳健的银行实践。然而，在某些情况下，监管机构可能未能及时或有效地采取行动，允许银行从事最终导致其倒闭的高风险行为。2008年雷曼兄弟的倒闭就是监管和监督不足后果的严峻警示。“银行破产”的影响超出了对存款人直接的财务损失。当一家银行破产时，它可能会引发整个经济的连锁反应。存款人担心自己的储蓄，可能急于从其他银行提取资金，导致流动性危机。这种现象被称为“银行挤兑”，可能加剧局势，导致即使是健康的银行也面临资不抵债。因此，银行之间的相互关联意味着一次“银行破产”可能对整个金融体系产生灾难性的影响。为了应对“银行破产”，政府通常会实施措施以稳定银行系统。这可能包括向陷入困境的银行提供紧急资金或促进失败机构与健康机构之间的合并。目的是恢复公众对银行系统的信心，防止广泛的恐慌。例如，在2008年金融危机期间，美国政府推出了“问题资产救助计划”（TARP）以支持面临“银行破产”的银行。总之，理解“银行破产”的概念对于掌握金融系统的复杂性至关重要。它突显了健全管理实践、有效监管监督的重要性，以及对经济潜在的涟漪效应。随着我们向前发展，银行和监管机构必须从过去的错误中吸取教训，以防止未来发生“银行破产”，并维护金融环境的稳定。