You do not need bankers to be poorly monitored or over-incentivised for such cycles to work: finance knew booms and manias long before deposit insurance, bank rescues or bonuses.

为使这种循环转起来，并不需要对银行家疏于监管，或给出更多物质刺激：金融系统在存款保险，拯救银行以及分红出现之前就知道好年景，以及发疯年代了。

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Deposit insurance is a standard antidote to bank runs and is typically financed by a levy on deposit-takers.

存款保险是对付银行挤兑的标准方法，其资金通常向存款接受人征收。

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In exchange for the stability provided by deposit insurance and the central bank, Banks submit to regulatory oversight.

存款保险和中央银行提供稳定性，作为交换，银行必须服从监管。

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On the good side, it brought in bank-deposit insurance (a wise move, though not without problems).

ECONOMIST: A refresher on the 1930s

The new administrator of the failing bank, Federal Deposit Insurance Corp.

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The Federal Deposit Bank Insurance Corp. (FDIC) is deliberating today over the proper formulation of a rule to implement section 619 of the Dodd-Frank Act, colloquially known as the Volcker Rule, and codified as 12 USC sect 1851.

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