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I think that deposit insurance is very important but we didn't have anything for corresponding accounts at brokerage services until 1970.
所以存款保险是至关重要的,在1970年前,在经纪服务业务中,对于对应账户还未有保护举措
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A commercial bank, like a goldsmith banker, accepts deposits--that's critical -and that means you can put money in the bank.
商业银行,就像是一个金匠银行家,接受存款,这一点非常关键,就是说你可以把你的钱放到银行里
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One of the sentences that I'll repeat throughout the class is that happiness is much more contingent on our state of mind than our status or the state of our bank account.
有一句话我会在课程中经常引用,快乐由我们的精神状态而定，而不是社会地位或银行存款。
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So what banks offer is liquidity -the ability to borrow short even though the loans that are made are long-term.
而银行就提供了流动性,即接受短期存款,但可以发放长期贷款的能力
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The other kinds of depository institutions that have developed are called thrifts and they really started from a movement in the United Kingdom.
后来发展起来的其他存款机构,都统称为"储蓄机构",这些机构的产生源自英国的一场运动
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Investment banks are very different in that a pure investment bank does not accept deposits and it doesn't make loans; it's an underwriter for securities.
投资银行是完全不同的,单纯的投资银行既不吸收存款,也不发放贷款,投行是证券承销商
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The other but more commonly used monetary policy is to change the rate is to effectively alter the rate of interest on deposits.
另一种形式，更广泛地被运用着,是货币政策是用来改变比率,有效地调整存款的利率水平。
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You talk to these people who were standing in front of the bank; the first question you'd ask them, aren't deposits insured in the U.K.
你去银行门前,与排队的人们交谈,先问他们,英国的存款
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The traditional commercial bank would accept deposits from businesses and make loans to businesses.
早期的商业银行吸收商业存款,并发放商业贷款
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It shows that little details about how the deposit insurance is run are important.
这说明了,存款保险如何运作是非常重要的
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That's Depository Institution's Deregulation and Monetary Control Act; what that did was, it eliminated ceilings on interest rates --on deposits, it allowed banks to pay high interest rates.
存款机构放松管制和货币控制法案,所做的就是,取消了存款利率的上限,准许银行支付高额利率
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It pays interest on the deposit and it collects interest on the loans and it charges a higher interest on the loan than they pay on the deposit.
银行付给存款人利息,同时收取贷款利息,贷款的利息较高,支付给存款人的利息较低
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At least we want to protect the small investors' savings in banks.
但至少,我们希望能保护,小额投资者们的银行存款
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The U.K. Had copied the U.S. Idea -I guess they copied -I don't know where the original -I think it's probably -is it U.K. Cpying the U.S. In this case?
英国效仿了美国的想法,我猜他们是效仿美国的,我也不知道谁先发明的,我认为可能是,存款保险是英国模仿美国
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Do you know what I mean by a deposit?
你知道我说的存款是什么意思么？
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The reserve requirement now is 10% 10% on demand deposits so they're forced to keep those reserves and much of that is in the form of deposits at the Federal Reserve Banks.
现在的法定准备金率%,在活期存款上是,所以它们被强迫持有这些准备金,并且一大部分是在联邦储备银行,存着的。
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Even though the deposits are short-term and the depositor can get the money at any time, the depositor is earning interest of a level that can only be made on long-term loans.
即使是短期存款,存款人可以随时取走存款,存款人也可获取仅从长期贷款中,才可得到的利息水平
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Banks still are vulnerable to bank runs because they still have deposits so the system is still vulnerable and therefore the Federal Reserve has a set of reserve requirements.
银行仍然对银行挤兑敏感,因为它们仍然有存款,所以这个系统还是比较脆弱的，因此,联邦储备金有一系列的法定准备金率。
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If banks get in trouble and they can't pay out -if one bank gets in trouble and can't pay out on its deposits, then that can bring the whole system down because it can cause a panic among investors -among depositors and banks -and create a run on a bank.
如果银行出现问题而且他们无法支付...,如果一家银行出现问题,并且无法支付提取的存款,那么这就会使得整个系统崩溃,因为这会在投资者中引起恐慌...,在存款人和银行中引起恐慌,并且造成银行挤兑
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Actually, if you have more than $100,000 in a bank account you should probably pull it out and spread it around over several banks because each bank is separately insured, so there's effectively no limit if you're just a little bit smart and move your accounts around.
如果你的银行存款远不止10万,你最好把多余的取出,分别存入几家银行,因为每家银行都是独立保险的,因此不存在担保额度,只要你聪明一点,把存款分别存入几家银行
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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
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For Savings and Loans, they had an organization called the FSLIC, which is now defunct because of this crisis -Federal Savings and Loan Insurance Corporation -it was insuring deposits of Savings and Loans.
针对储蓄贷款协会,他们成立了一个名为FSLIC的组织,由于次贷危机,该组织已经不复存在了,...全称是联邦储蓄贷款保险公司,它为储蓄贷款协会的存款进行保险
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