type
status
date
slug
summary
tags
category
icon
password
Is your money safe in American banks?
你的钱在美国银行安全吗？
Recent bank runs have spooked depositors
最近的银行挤兑事件吓坏了储户
In normal times people do not give it a second thought: they put their money in a bank and trust that it is safe. But every once in a while, a crisis shakes that faith. The collapse of three mid-sized banks in America over the past month has been one such moment. Savers have moved their cash to bigger banks; the government has scrambled to reassure them. Most people have little to fear: so long as their accounts have deposit insurance, their money is guaranteed even if their bank collapses. Butabout 40% of deposits, by value, are uninsured because they exceed the $250,000 that the government guarantees. Some observers say the government should raise that cap or even extend insurance to all American checking and savings accounts. How does deposit insurance work, and should it be expanded?
在正常情况下，人们不会考虑这个问题：他们把钱放在银行，相信它是安全的。但每隔一段时间，一场危机就会动摇这种信念。过去一个月里，美国三家中型银行的倒闭就是这样一个时刻。储蓄者已将他们的现金转移到更大的银行；政府已争相使他们安心。大多数人没有什么可担心的：只要他们的账户有存款保险，即使银行倒闭，他们的钱也有保障。但是，按价值计算，大约40%的存款是没有保险的，因为它们超过了政府担保的25万美元。一些观察家说，政府应该提高这一上限，甚至将保险扩大到所有美国支票和储蓄账户。存款保险是如何运作的，它是否应该扩大？
spook v.吓唬
scramble v.仓促行动
reassure v.使安心
In the 19th century bank failures were a regular feature of the American economic landscape. During the Great Depression, Congress created the Federal Deposit Insurance Corporation (FDIC), which covered deposits up to $2,500. Results were immediate: in 1934, when the insurance took effect, only nine banks failed. Some 9,000 had collapsed in the previous four years. The cap for insurance coverage has steadily risen. In 2008, during the global financial crisis, Congress raised the limit from $100,000 to $250,000, where it stands today. That is sufficient for the vast majority of Americans. But some business accounts exceed that limit — to make monthly wage payments, for instance.
在19世纪，银行倒闭是美国经济领域的一个常规特征。在大萧条期间，国会成立了联邦存款保险公司（FDIC），为2500美元以下的存款提供保险。结果是立竿见影的：1934年，当保险生效时，只有9家银行倒闭。而在之前的四年里，大约有9000家银行倒闭。保险范围的上限一直在逐渐上升。2008年，在全球金融危机期间，国会将限额从10万美元提高到25万美元，即今天的上限。这对绝大多数美国人来说是足够的。但是，一些商业账户超过了这个限额，例如，每月支付工资。
steadily adv.逐步地
wage n.工资
One solution would be to lift the cap for insurance further, or perhaps to eliminate it. But a permanent increase would require banks to pay more into the FDIC-managed insurance fund. Critics also worry that unlimited insurance would erode financial discipline, because banksmight take greater risks knowing that their clients would not flee. Still, in the past few weeks American officials have implemented a de-facto expansion of deposit insurance. By declaring a "systemic risk exception"for a failing bank, the Treasury can, with the supportof the FDIC and the Federal Reserve, guarantee all of its deposits. So is your money safe in American banks? Almost certainly— but it would be far better to avoid a mass panic that tests the ability of the government to make everyone whole.
一个解决方案是进一步提高保险的上限，或者也许取消它。但是，永久性的提高将要求银行向金融管理局管理的保险基金支付更多的钱。批评者还担心，无限制的保险会削弱金融纪律，因为银行知道他们的客户不会逃离，可能会承担更大的风险。然而，在过去几周，美国官员已经实施了事实上的存款保险扩展。通过宣布一家倒闭银行的“系统性风险例外"，财政部可以在联邦存款保险公司和美联储的支持下，为其所有存款提供担保。那么，你的钱在美国银行是否安全？几乎是肯定的，但最好是避免发生大规模的恐慌，这考验政府使每人都得到补偿的能力。
eliminate v.取消
implement v.实施
discipline n.纪律
de-facto 事实上的
- Author:AuK
- URL:https://tangly1024.com/article/85ea666c-2873-48c9-9875-26c4a0388af6
- Copyright:All articles in this blog, except for special statements, adopt BY-NC-SA agreement. Please indicate the source!
Relate Posts