“当银行的客户担心银行将破产时,就会发生银行挤兑。客户急于向银行尽快拿走他们的钱以避免损失。联邦存款保险已经结束了银行挤兑的现象。 “简单地说,银行挤兑,也称为银行挤兑,当金融机构的客户同时或在短时间内连续撤回所有存款时,出于担心银行的偿付能力或银行的会面能力而出现的情况其长期固定费用。从本质上讲,银行客户害怕失去资金,不信任银行业务的可持续性导致大规模撤资。为了更好地了解银行挤兑期间发生的事情及其影响,我们首先必须了解银行机构和客户存款的运作方式。当您将钱存入银行时,您通常会将该存款存入活期存款账户,例如支票账户。使用活期存款账户,您有权随时根据需要从账户中取出您的资金。但是,在部分准备金银行系统中,银行不需要将所有存款作为现金存入保险库中的活期存款账户。事实上,大多数银行机构在任何时候都只保留一小部分资产。相反,他们拿走这笔钱并以贷款的形式出售,或以其他方式将其投资于其他付息资产。虽然法律规定银行手头存款的最低水平(称为准备金要求),但与总存款相比,这些要求通常很低,通常在10%的范围内。因此,在任何特定时间,银行只能按需支付其客户存款的一小部分。除非大量人口要求同时将资金从银行取出并超过储备金,否则活期存款制度运作良好。除非有理由让银行客户认为银行中的资金不再安全,否则此类事件的风险通常很小。

美国堪萨斯州论文代写:银行挤兑

“When bank customers worry that the bank will go bankrupt, bank runs will occur. Customers are eager to take their money to the bank as soon as possible to avoid losses. Federal deposit insurance has ended the bank run. “Simply, the bank runs, Also known as a bank run, a long-term fixed fee for a financial institution’s customers when they withdraw their deposits at the same time or in a short period of time, for fear of the bank’s solvency or the bank’s ability to meet. In essence, bank customers are afraid of losing money and do not trust the sustainability of banking business leading to large-scale divestment. In order to better understand what happened during the bank run and its impact, we must first understand how banking institutions and customer deposits work. When you deposit money into a bank, you usually deposit the deposit into a demand deposit account, such as a checking account. With a current account, you have the right to withdraw your funds from your account whenever you need it. However, in some reserve banking systems, banks do not need to deposit all deposits as cash in demand deposit accounts in the vault. In fact, most banking institutions retain only a small portion of their assets at all times. Instead, they take the money and sell it as a loan, or otherwise invest it in other interest-bearing assets. Although the law stipulates the minimum level of bank deposits (called reserve requirements), these requirements are usually very low compared to total deposits, usually within 10%. Therefore, at any given time, the bank can only pay a small portion of its customer deposits as needed. The demand deposit system works well unless a large population requires that funds be taken out of the bank and the reserves are exceeded. The risk of such an event is usually small unless there is a reason for the bank customer to believe that the funds in the bank are no longer safe.

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