它提供存款者一个短期存款但长期得到回酬的计划。
It offers savers a plan with short term saving but long term return.
也存在这一种风险，存款者会将他们的资金从疲软国家的银行转移到安全的避风港。
There is also the risk that depositors will shift their funds from Banks in weak countries to safer havens.
但对小额存款者来说，评估银行的前景实在太过困难，因此某种形式的监管是必须的。
But a bank's prospects are so difficult to assess for small depositors that some form of supervision might be necessary anyway.
一国的赤字过大会使得其他国家更难争取到存款者的资金，抬高整体的利率水平。
Big deficits in one country might make it harder for others to compete for funds from savers, driving up interest rates for all.
而负的真实利率常常会导致存款者把资金投入房地产，这导致了地产的泡沫风险。
So-called negative real interest rates often encourage savers to shift money into assets such as real-estate, sparking risk of bubbles.
但是由于存款者皆会转而进入疲软的国家，银行挤兑在欧洲会再度上演，资本控制会再次实施。
Again, there would be bank runs in Europe as depositors fled weaker countries, leading to the reintroduction of capital controls.
只要存款者确信他们可以拿回自己的钱,不管情况如何他们都缺乏激励去监督银行的业务情况.
Once depositors are sure of getting their money back, whatever the circumstances, they have little incentive to monitor a bank's business.
这会造成货币危机和跨境争端，比如当下冰岛、英国和荷兰就补偿冰岛银行存款者所引发的争端。
That will lead to currency crises and cross-border disputes like the current spat between Iceland, Britain and the Netherlands over the bill for compensating depositors in Icelandic Banks.
而当发生挤兑时，银行如果没有足够的现金支付给存款者，就可能因为一句虚假的传言而导致破产。
And a bank that faces a run by depositors, lacking the cash to meet their demands, may go bust even if the rumor was false.
但是在承诺存款者高额利息后，庞奇从未真的交易邮政票据，因为那个在大规模投机中太难于操纵了。
But after offering depositors high interest rates, Ponzi never really dealt in postal coupons, which turned out to be too unwieldy for large-scale speculation.
存款者将蜂拥闯入希腊银行提款，以保护自己的储蓄，不要让它变成新发行的德拉克马(注)。
Depositors would rush to pull their money out of Greek Banks to protect their savings from being converted into new drachma.
在恐慌中，如果所有存款者(和银行)都按兵不动，他们的境况可能都得到改善。但个人储蓄者还是总有取出存款的倾向。
In a panic, individual depositors have an incentive to withdraw their cash, even if collectively they (and the bank) might be better off if they held fast.
但是日本股市多年来一直低迷，持续的通货紧缩也意味着现金具有更大的购买力，因此金融危机也使得存款者更加乐意把钱存在银行。
Persistent deflation means that cash has more buying power over time. The financial crisis has made depositors happier to keep money in the bank, too.
对此人们各执一词，但这场危机的一个长期影响将是为对证券化资产购买者提供同小额零星存款者的担保类似的制度性担保而告终。
Whisper it softly, but one of the lasting effects of this crisis could end up being institutionalised guarantees for buyers of securitised assets to sit alongside guarantees for retail depositors.
当一家或几家银行出现风险时，存款者会将存款从银行提出，导致整个金融体系出现风险。 第二章是商业银行风险的经济学分析。
When one or several banks occur banking risks, depositors will draw their deposits from the banks, which will lead the whole banking system to crisis.
商业银行只有提供充足的流动性，更好地满足存款者的及时提款要求和贷款者的适当贷款需要，才能确保其安全，才能谈得上盈利。
Provided a commercial bank can afford sufficient liquidity, meet the requirement of the depositor's timely drawing and the proper loan need, it can insure it's safety and profitability.
从印刷票据到在账本上记下存款者的存款只有一步之遥，这样存款人也可以通过签发支票来花“钱”，同时“制造”出他们自己出品的钱。
It was a small step from printing notes tomaking book entries crediting deposits of borrowers, which the borrowers inturn could "spend" by writing checks, thereby "printing"their own money.
这一次，货币市场基金扮演了存款者排队从银行取款的角色。 同时，监管者和市场参与者没有能够认识到机构的风险，而不是市民的风险。
This time, the role of depositors lining up to withdraw funds from a bank was played by money-market funds, Bernanke said.
与此同时，海峡群岛和开曼群岛，就如那些拖后腿的国家一样，以匿名的方式减少欧盟居民存款者的预扣所得税，并仅对具体信息的要求作出反应。
In the meantime the Channel Islands and the Isle of Man, like the foot-draggers, are deducting withholding tax from EU-resident savers anonymously, and answering specific requests for information.
另外，很多州授予贷款机构不同程度的权限，让它们没收抵押贷款违约者的银行存款、汽车或其他资产。
In addition, many states give lenders varying degrees of scope to seize bank deposits, cars or other assets of people who default on mortgages.
大多数手中持有现金和存款(因此逆转了资产价格收缩的一个关键要素)的中小投资者放弃存款转向股票资产。
Retail investors, large holders of cash, dissave (thus reversing one of the key drivers of asset deflation) and divest deposits into equity assets.
消费者信心通过评估消费者存款和消费的活跃性所显示的对财政状况的乐观态度。
Consumer Confidence Optimism over the state of the economy shown by assessing consumer saving and spending activity.
不是为存款人和投资者委托给他们的资金寻找最高效的出路，他们也许会盲从潮流，遭遇泡沫。
Rather than seeking the most productive outlet for the money that depositors and investors entrust to them, they may follow trends and surf bubbles.
这些机构都是合法的，然而，他们将他们的存款人称之为投资者。
These institutions are essentially legal, however, because they call their depositors "investors."
分析者把这归因为存款收益降低导致资金从储蓄账户向理财产品转移。
Analysts attribute weakening deposit accumulation to the migration of funds from savings accounts to wealth-management products.
扮演小孩角色的参与者能指定存款，但不能批准存款。
Someone in the role of kid has permission to specify deposits, but not to authorize deposits.
消费者在减少债务并增加存款，使得财富与收入的比例接近历史的均值。
Consumers are reducing their debt and building savings, returning household wealth-to-income ratios near to longer-term historical norms.
消费者在减少债务并增加存款，使得财富与收入的比例接近历史的均值。
Consumers are reducing their debt and building savings, returning household wealth-to-income ratios near to longer-term historical norms.
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