Banks that do gather excess deposits may find the government wants to get its hands on them.

确实聚集了过剩存款的银行可能发现其身处的环境想染指这些存款。

youdao

From now on, be able to keep up-to-deposit the money or buy government bonds or dual-currency deposits to buy.

从现在开始，能存的钱就存起来，或买国债或买双币存款。

youdao

Citizens enthisiastically buy government bonds, because they have higher interest rates than ordinary deposits.

购买国债券，因为它比一般存款的利息高。

youdao

"What was different about the Irish approach was that all deposits were guaranteed and bondholders,investors that had bought bonds in these banks, also received the government guarantee.

VOA: special.2010.11.26

It used to be that the government didn't let banks pay more than a certain amount on their deposits and that helped protect banks because then they didn't have to compete to pay high interest rates -then be incentivized to make risky loans to try to make money with those high interest rates.

在这之前,政府不允许银行对存款,支付超过一定数量的利息,那样做是为了保护银行,因此他们不必争相,去支付高额利率...,因为在高利率支付下银行会倾向于,发放高危贷款以获取利润

耶鲁公开课 - 金融市场课程节选

Now, the government insures deposits, as you know, through the FDIC -the Federal Deposit Insurance Corporation.

现在,政府对存款进行保险,如你所知,通过FDIC,全称为联邦存款保险公司

耶鲁公开课 - 金融市场课程节选

So government insured deposits still could not be used to speculate in riskier investment banking activities.

FORBES: President Obama Offers A Repeat Of His Same Failed Policies

Glass Steagall was passed to prevent commercial banks taking government insured deposits from failing due to losses incurred through riskier investment banking activities (issuing stock and other securities).

FORBES: President Obama Offers A Repeat Of His Same Failed Policies

The Vickers Report in the UK says that we should have ring fencing, dividing the (government insurance on deposits) retail banks from the investment banks.

FORBES: Vickers, Bank Ring Fencing, Glass Steagall, They're Not the Answer