银行挤兑所需的唯一原因是相信银行面临破产风险以及随后从银行的活期存款账户中大量提款。也就是说,破产风险是真实的还是感知的,并不一定会影响银行挤兑的结果。随着越来越多的客户因恐惧而撤回资金,破产或违约的真正风险增加,这只会促使更多的提款。因此,银行挤兑更多是恐慌而非真实风险的结果,但可能仅仅是恐惧可能会迅速产生恐惧的真正原因。不受控制的银行挤兑可导致银行破产或涉及多家银行时出现银行业恐慌,最严重的可能导致经济衰退。银行可以通过限制客户一次可以提取的现金数量,暂时完全取消提款,或者从其他银行或中央银行借入现金以满足需求来避免银行挤兑的负面影响。今天,还有其他条款可以防止银行破产和破产。例如,银行的准备金要求普遍提高,中央银行组织起来提供快速贷款作为最后手段。也许最重要的是建立存款保险计划,例如联邦存款保险公司(FDIC),该计划是在大萧条时期设立的,以应对加剧经济危机的银行倒闭。其目的是维持银行体系的稳定,并鼓励一定程度的信心和信任。保险今天仍然存在。

加拿大渥太华大学金融Essay代写:联邦存款保险公司

The only reason for a bank run is to believe that the bank is at risk of bankruptcy and subsequently withdraws a large amount from the bank’s demand deposit account. In other words, whether the risk of bankruptcy is real or perceived does not necessarily affect the outcome of the bank run. As more and more customers withdraw funds due to fear, the real risk of bankruptcy or default increases, which will only lead to more withdrawals. Therefore, bank runs are more a result of panic than real risk, but it may simply be the real reason why fear may quickly lead to fear. Uncontrolled bank runs can lead to banking panic or banking panic when involving multiple banks, the most serious of which can lead to a recession. Banks can avoid the negative effects of bank runs by limiting the amount of cash that customers can withdraw at one time, temporarily withdrawing withdrawals entirely, or borrowing cash from other banks or central banks to meet demand. Today, there are other provisions to prevent bankruptcy and bankruptcy. For example, the bank’s reserve requirements have generally increased, and the central bank has organized to provide fast loans as a last resort. Perhaps the most important thing is to establish a deposit insurance plan, such as the Federal Deposit Insurance Corporation (FDIC), which was established during the Great Depression to deal with bank failures that exacerbate the economic crisis. Its purpose is to maintain the stability of the banking system and encourage a certain level of confidence and trust. Insurance still exists today.

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