In general, it is far easier for a bank to develop a reputation and trust in the market economy, than for an individual depositor to develop an equivalent brand name.

一般而言，银行更容易在市场里建立声誉和信任度，而个人要想达到同样的程度就要难上许多了。

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A depositor is a person who deposits money in a bank.

存款人是指将钱存入银行的人。

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The main bank as a market also should follow the rules of market economy, and the depositor also should take the risk by their deposit.

银行作为一个市场主体同样要遵循市场的经济规律，存款人也同样要承担存款带来的风险。

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In one case that my partner and I worked many years ago at a regional bank, this premise was illustrated when an elderly depositor called the bank to report an apparent accounting error of about twenty dollars in interest in her IRS 1099 for her two Certificates of Deposit.

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They also put physical and psychological distance between the depositor and his bank, which is counter to the idea of a community bank.

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Conversely, if you are a wealthy Russian depositor in a Cyprus bank, this is a pretty raw deal.

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