bank failure

简明释义

塌岸

英英释义

例句

1.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。

2.Investors are concerned that another bank failure could trigger a financial crisis.

投资者担心另一场银行倒闭可能引发金融危机。

3.In the event of a bank failure, the FDIC insures deposits up to a certain limit.

在发生银行倒闭的情况下，联邦存款保险公司会对存款进行最高限额的保险。

4.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。

5.The news of the bank failure caused panic among the local community.

关于银行倒闭的消息在当地社区引发了恐慌。

作文

In recent years, the term bank failure has become increasingly prevalent in discussions about the global economy. A bank failure occurs when a financial institution becomes insolvent and is unable to meet its obligations to depositors and creditors. This situation can arise due to various factors, including poor management, risky investments, or economic downturns. Understanding the implications of a bank failure is crucial for both individuals and the broader financial system.The consequences of a bank failure can be devastating. For depositors, the immediate concern is the safety of their funds. When a bank fails, customers may lose their savings if their deposits exceed the insured limits set by government agencies. In the United States, for example, the Federal Deposit Insurance Corporation (FDIC) insures deposits up to $250,000 per account holder per bank. However, any amount above this limit could be at risk during a bank failure. This uncertainty can lead to panic among customers, prompting them to withdraw their funds from banks, potentially leading to further instability in the financial system.Moreover, a bank failure can have ripple effects throughout the economy. When banks fail, they often halt lending activities, which can stifle business growth and consumer spending. This reduction in credit availability can lead to increased unemployment rates and decreased economic activity, creating a vicious cycle that can be hard to break. The interconnectedness of financial institutions means that the failure of one bank can lead to a loss of confidence in others, causing a wider banking crisis.Historically, there have been several notable bank failures that have had significant impacts on the economy. The Great Depression in the 1930s saw thousands of banks fail, leading to widespread financial hardship and a long recovery period for the economy. More recently, the 2008 financial crisis was marked by the collapse of major financial institutions such as Lehman Brothers. This event triggered a global recession and highlighted the vulnerabilities within the banking system, leading to increased regulatory scrutiny and reforms aimed at preventing future bank failures.To mitigate the risks associated with a bank failure, governments and regulatory bodies have implemented various measures. These include stricter capital requirements for banks, stress testing to assess their resilience in economic downturns, and the establishment of resolution frameworks to manage failing banks effectively. These strategies aim to enhance the stability of the financial system and protect consumers from the fallout of bank failures.In conclusion, understanding the concept of bank failure is essential in today's complex financial landscape. The implications of such failures extend beyond individual banks and can affect the entire economy. By being aware of the risks and the protective measures in place, individuals can make informed decisions about their finances and contribute to the overall stability of the banking system. As we move forward, it is crucial to remain vigilant and proactive in addressing the challenges posed by potential bank failures to ensure a resilient financial future.

近年来，短语银行倒闭在全球经济讨论中变得越来越普遍。银行倒闭发生在金融机构破产，无法满足对存款人和债权人的义务时。这种情况可能由于多种因素引起，包括管理不善、风险投资或经济衰退。理解银行倒闭的影响对于个人和更广泛的金融体系至关重要。银行倒闭的后果可能是毁灭性的。对于存款人来说，最直接的担忧是资金的安全性。当一家银行倒闭时，如果客户的存款超过政府机构设定的保险限额，他们可能会失去储蓄。例如，在美国，联邦存款保险公司（FDIC）为每个账户持有人在每家银行的存款提供高达250,000美元的保险。然而，超出这一限额的任何金额在银行倒闭期间都可能面临风险。这种不确定性可能导致客户恐慌，促使他们从银行提取资金，从而可能导致金融系统进一步的不稳定。此外，银行倒闭可能会在整个经济中产生连锁反应。当银行倒闭时，它们通常会停止放贷，这可能会抑制商业增长和消费者支出。信贷可用性的减少可能导致失业率上升和经济活动减少，形成一个难以打破的恶性循环。金融机构之间的相互关联意味着，一家银行的倒闭可能导致对其他银行的信心丧失，从而引发更广泛的银行危机。历史上，有几次显著的银行倒闭事件对经济产生了重大影响。1930年代的大萧条见证了成千上万的银行倒闭，导致广泛的经济困难和经济恢复的漫长过程。最近，2008年的金融危机以雷曼兄弟等主要金融机构的崩溃为标志。这一事件引发了全球经济衰退，并突显了银行系统中的脆弱性，导致了更严格的监管审查和旨在防止未来银行倒闭的改革。为了减轻与银行倒闭相关的风险，各国政府和监管机构实施了各种措施。这些措施包括对银行更严格的资本要求、压力测试以评估其在经济衰退中的韧性，以及建立解决框架以有效管理失败的银行。这些策略旨在增强金融系统的稳定性，并保护消费者免受银行倒闭的影响。总之，理解银行倒闭的概念在当今复杂的金融环境中至关重要。这种失败的影响超越了单个银行，可能影响整个经济。通过了解风险和现有的保护措施，个人可以做出明智的财务决策，并为银行系统的整体稳定做出贡献。随着我们向前发展，保持警惕并积极应对潜在银行倒闭所带来的挑战，以确保一个有韧性的金融未来是至关重要的。