The question is: how much reserves should a bank hold?
问题是,银行该留存多少作为准备金呢
They trust to the fact that the depositors won't all come on the same day, just like a goldsmith banker -he leaves only enough gold in the safe to cover the kind of withdrawals that are normally accepted.
他们是基于这样一种考量,即储户们不会在同一天上门来取钱,正如金匠银行家那样,他留存在保险箱中的黄金数量,刚好可以应付一般的提款要求
This has happened so many times in history that governments around the world now regulate banks and tell them that they have to hold a minimum amount of reserves and have a minimum amount of capital.
这在历史上已经发生多次了,如今,各国政府都在进行银行监管,并且告诉他们,他们必须留存最小金额的准备金,以及最小金额的资本金
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