bank failure

简明释义

坍岸;

英英释义

例句

1.Many people lost their jobs due to the bank failure 银行倒闭 that affected the local economy.

由于影响地方经济的银行倒闭 银行倒闭，许多人失去了工作。

2.The recent bank failure 银行倒闭 has left many customers worried about their savings.

最近的银行倒闭 银行倒闭让许多客户对他们的储蓄感到担忧。

3.After the bank failure 银行倒闭, the government stepped in to protect depositors.

在银行倒闭 银行倒闭之后，政府介入以保护存款人。

4.The bank failure 银行倒闭 was attributed to poor management and risky investments.

这次银行倒闭 银行倒闭归因于管理不善和高风险投资。

5.Investors are closely monitoring the signs of a potential bank failure 银行倒闭 in the financial sector.

投资者正在密切关注金融行业潜在银行倒闭 银行倒闭的迹象。

作文

The concept of bank failure refers to a situation where a financial institution, such as a bank, becomes unable to meet its obligations to depositors and creditors. This can occur for various reasons, including poor management, excessive risk-taking, or economic downturns. The implications of a bank failure are profound, not just for the institution itself, but also for the broader economy. When a bank fails, it can lead to a loss of confidence in the financial system, prompting individuals and businesses to withdraw their deposits from other banks, thus creating a potential liquidity crisis. Historically, there have been numerous instances of bank failures that have sparked economic turmoil. For example, during the Great Depression, thousands of banks failed across the United States, leading to widespread panic and a significant contraction of the economy. This period highlighted the importance of regulations and safeguards, such as the establishment of the Federal Deposit Insurance Corporation (FDIC) in 1933, which was created to insure deposits and restore public confidence in the banking system.In modern times, the 2008 financial crisis serves as a poignant reminder of the dangers associated with bank failures. Many banks engaged in risky lending practices, particularly in the housing market, which ultimately led to substantial losses. The collapse of major institutions like Lehman Brothers sent shockwaves through global markets, leading to a recession that affected millions of lives. In response, governments around the world implemented measures to stabilize the financial system, including bailouts and stricter regulations aimed at preventing future bank failures.The repercussions of a bank failure extend beyond immediate financial losses. They can result in job losses, reduced consumer spending, and a decrease in overall economic activity. Moreover, the psychological impact on consumers cannot be understated; fear of losing savings can lead to decreased confidence in financial institutions, further exacerbating economic challenges.To mitigate the risks associated with bank failures, it is essential for banks to maintain adequate capital reserves, engage in prudent risk management, and adhere to regulatory requirements. Additionally, consumers should be aware of the health of their financial institutions and consider diversifying their assets to protect themselves in the event of a bank failure.In conclusion, understanding the phenomenon of bank failure is crucial for both individuals and policymakers. By learning from past experiences and implementing effective strategies, we can work towards a more stable financial system that minimizes the likelihood of future bank failures. As history has shown, the consequences of a bank failure can be far-reaching, affecting not only the banking sector but also the entire economy and the lives of countless individuals. Therefore, vigilance and proactive measures are necessary to safeguard against such occurrences in the future.

“银行倒闭”这一概念指的是金融机构（如银行）无法履行对存款人和债权人的义务的情况。这可能由于多种原因造成，包括管理不善、过度冒险或经济衰退。“银行倒闭”的影响深远，不仅对该机构本身，而且对更广泛的经济都有影响。当一家银行倒闭时，可能会导致公众对金融系统失去信心，促使个人和企业从其他银行提取存款，从而造成潜在的流动性危机。历史上，有许多“银行倒闭”的实例引发了经济动荡。例如，在大萧条期间，美国数千家银行倒闭，导致广泛的恐慌和经济的大幅收缩。这一时期凸显了监管和保障措施的重要性，例如1933年成立的联邦存款保险公司（FDIC），旨在为存款提供保险，恢复公众对银行系统的信心。在现代，2008年金融危机是“银行倒闭”相关危险的一个生动提醒。许多银行参与了高风险的贷款行为，特别是在住房市场，这最终导致了巨大的损失。雷曼兄弟等主要机构的崩溃给全球市场带来了冲击，导致了一场影响数百万生活的经济衰退。作为回应，各国政府实施了稳定金融系统的措施，包括救助和更严格的监管，以防止未来的“银行倒闭”。“银行倒闭”的后果不仅限于直接的经济损失。它们可能导致失业、消费支出减少以及整体经济活动下降。此外，对消费者的心理影响也不容小觑；对失去储蓄的恐惧可能导致对金融机构信心下降，进一步加剧经济挑战。为了减轻与“银行倒闭”相关的风险，银行必须保持足够的资本储备，进行审慎的风险管理，并遵守监管要求。此外，消费者应了解其金融机构的健康状况，并考虑分散资产以保护自己免受“银行倒闭”的影响。总之，理解“银行倒闭”现象对个人和政策制定者至关重要。通过借鉴过去的经验并实施有效的策略，我们可以努力实现一个更稳定的金融体系，以最小化未来“银行倒闭”的可能性。正如历史所示，“银行倒闭”的后果可能是深远的，不仅影响银行部门，还影响整个经济和无数个人的生活。因此，保持警惕和采取主动措施是必要的，以防止未来此类事件的发生。