2015考研英语阅读欧洲的银行们_大学英语阅读

2015考研英语阅读欧洲的银行们

　　直接注资从政治上讲很难实施。德国等核心国家担心一旦转付资金他们就会失去其在边缘国家政府政策制定方面的影响力。如果ESM冒险给银行注资, 他们面临经济损失的风险会更大, 相当重要的原因是他们本来对各银行资产负债表的了解比对各政府的资产负债表的了解还要模糊。各边缘国家也不想将他们重要银行的所有权交给布鲁塞尔的官僚们。并且注资同时如不进行监督机制改革, 当地监管机构可能会鼓励银行更多地为本国个人或机构提供贷款, 因为损失的风险会被输出。

　　Recapitalising banks would not put the catch on every trigger for a run, however. The worryamong depositors is not just that their bank will go bust, it is also that their deposits in eurosmay overnight turn into a less valuable currency. So savers in the periphery would needsome additional reassurance that their money is safe.

　　尽管如此, 银行的资本结构调整不会触发挤兑危机. 储户们担心他们的存款银行会破产, 同时也害怕他们以欧元为计算单位的存款会在一夜之间贬值。因此, 要让边缘国家的储户相信他们的存款是安全的还需要一些其他的安抚措施。

　　The job of providing this extra comfort usually falls to national deposit-insurance funds,ideally ones that are prefunded with assets worth about 1.5% of insured deposits, as is thecase in America and Europe. If a medium-sized bank goes bust, prefunded schemes canusually pay depositors immediately; European countries insure qualifying deposits up to100,000 Euro. For big banks, or for systemic crises, funds are usually backed by theirgovernments.