这项额外的安抚工作通常是由国家存保机构来完成的. 按照美国和欧洲的当前情况, 最好是预先拨款资金额等同于承保存款额的1.5%. 如果一家中等规模的银行倒闭, 预先拨款计划可以立即启动, 对储户进行偿付, 欧洲国家对符合投保要求的存款承保上限为10万欧元。 至于大银行破产或涉及整个金融系统的危机, 则由政府出资解决。
Such schemes are fine in normal times, but do not do much to reassure people that theirdeposits won t be repaid in a different currency . That has prompted calls for a Europeaninsurance fund which would guarantee repayment in euros. The idea is appealing, but thepolitics and logistics of a credible guarantee are daunting.
这样的计划在一般情况下是没有问题, 但要使人们相信他们的存款不会通过另一种货币来偿还则作用不大.. 这就使得必须有一种欧洲保险基金能够担保在存款偿付时使用欧元。 这种想法是十分吸引人的, 但实施一项可信的担保计划涉及的政治事务和组织工作却令人望而生畏。
Household and corporate deposits across the euro area total some 7.6 trillion Euro.Assuming you wanted to limit the insurance to household deposits only, the figure is still5.9 trillion Euro. Not all of this would be covered by a guarantee. A European Commissionstudy in 2010 reckoned that 72% of deposits fall under the100,000 Euro limit. What s more, a European fund would not have to be big enough to dealwith simultaneous deposit runs across all of Europe but only with ones in the periphery,since money would presumably flow to banks in core countries such as Germany. So the fundwould have to be big enough to cover only some 1.3 trillion Euro in insured deposits in theperiphery.
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