美国采经验费率制，失业保险税率与劳工的失业风险相关。

Americans use the experience rate, unemployment insurance rates associated with the risk of unemployment of labor.

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在1994年以前，美国一直采用单一费率制，使银行体系的风险不断积累，最终爆发了二十世纪八十年代末的储贷危机。

Before 1994, the United States has been adopting single fee rate system, making the risk of bank system continuously accumulate, broke out great crisis of deposit institutes in 1980s at the end.

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