爱尔兰和德国为银行存款担保的行为完全是错误的。

The Irish and Germans were wrong to guarantee bank deposits.

youdao

它们没有存款担保计划。

There is no deposit guarantee scheme.

youdao

对商业银行来说，成本低廉是因为存款担保人所提供的隐性公众补助金。

With commercial Banks, that cost was low because of the implicit public subsidy provided by deposit guarantees.

youdao

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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