Julia Roberts Brown Spot Dress

Was ist ein Bank Run?

Eine Bank-run tritt auf, wenn eine große Zahl von Einlegern Warteschlange vor einer Bank und bitten um ihr Geld zurück. Normalerweise höre Kunden und Gerüchte über die Einleger - schlechte Zustand ihrer Bank, und entscheiden -, dass es eine gute Idee, ihr Geld aus der Bank nehmen wird.

Wenn eine große Anzahl von Menschen Aberkennung ihr Geld von der Bank beginnen, startet die Bank vor einem Liquiditätsengpass, and generally: Starts discouraging people from withdrawing their money.

Wen
Why did the Bank deter withdrawals?

It is customary to call the depositors of the bank, its customers. However, if you have a savings account at a bank and earn interest - as you the customer? The bank makes no money from you.

The bank makes its money by lending. So the money you deposited to the bank to borrow Corporates, entrepreneurs, sub-holders and other persons who are required to pay off their credit card debt etc.

At any point in time - the bank can with less than 10% of their total deposits. In fact, If any person decides to any country to withdraw their money from the bank at the same time - nothing can destroy the financial sector from stop forever.

There is simply no liquid money in the system such a situation faced. And that's the reason to avoid bank withdrawal.

How Bank Runs will be prevented?

Theoretically, the risk of a bank run are only eliminated completely when the term of the deposits are made to be matched 100% to maturity of the loan from the bank. In such a case, all loans from the banks at the same time be ripe, as their payments are due. However, this is not realistically possible.

The two steps that are usually taken, while out at a bank: first

The government sees liquidity of the bank: When the bank run, just because a rumor triggered, and the bank is fundamentally sound, then the government should a bridge - give a loan to the bank to close the crisis. Once the panic has settled and people are confident that their money is safe, the inserts are their way to the bank and all will be happy to find.

second The government assured the depositors: The second step is for the government to investors that their deposits are protected, to ensure, in the case - the bank defaults - the depositors their money be paid back. This is how to work the FDIC in the U.S..

Since, bank-runs the event of a crisis in confidence, the solution lies in restoring the confidence of depositors and assured them that their money be paid back.