“我去银行换汇时，工作人员对我说，由于金融危机，银行没有外汇现金，”马拉维的一位女企业主Zione Kamsinde说。
“When I went to the bank, I was told they had no cash for foreign exchange because of the financial crisis,” said Zione Kamsinde, a woman entrepreneur in Malawi.
韩国认为这样的安全网对那么没有巨额外汇储备的新兴经济体能够经受住金融危机时是必要的。
South Korea argued, rightly, that such a safety net is essential if emerging economies are able to withstand financial crises without piling up ever-larger foreign-exchange reserves.
第二，即使一国货币的汇率没有被高估，如果它没有大量外汇储备，也有可能受到外汇投机者的成功袭击。
Second, even if its exchange rate is not overvalued, a country could face a successful attack by forex speculators if it does not have a very large amount of foreign exchange.
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