官方语文（蓝皮书）44题

小娟子nana · 发表于 2010-4-1 18:50:07

Bank depositors in the United States are all financially protected against bank failure because the government insures all individuals’ bank deposits. An economist argues that this insurance is partly responsible for the high rate of bank failures, since it removes from depositors any financial incentive to find out whether the bank that holds their money is secure against failure. If depositors were more selective, then banks would need to be secure in order to compete for depositor’s money.

这题没有做好，主要是黄色划线部分没能弄明白，大侠能帮忙翻译或者讲解一下吗啊？谢谢

法兰克福来客 · 发表于 2010-4-1 22:39:00

大概意思就是说，因为即使银行破产了，个人存款也不会受到影响，所以个人在存款的时候不会刻意选择投资战略好的银行，这样使得投资战略不好的银行里也有很多个人存款可以用来投资，而这样的结果就导致大量的亏钱。

coolhaoming · 发表于 2010-4-1 23:05:29

经济学家说，政府的保证是其中一个导致高银行破产率的原因，因为这让储户没有任何动机来判别存款的银行是否能够应对破产的危险。如果储户能够更加的注意挑选，那么银行为了争夺储户需要努力保持安全~~

官方语文（蓝皮书）44题

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