2. 外语
  3. Banks are not ordinarily prepared to pay out all accounts; they rely on depositors not to demand payment all at the same time. I

Banks are not ordinarily prepared to pay out all accounts; they rely on depositors not to demand payment all at the same time. I

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问题     Banks are not ordinarily prepared to pay out all accounts; they rely on depositors not to demand payment all at the same time. If depositors should come to fear that a bank is not sound, that it cannot pay off all its depositors, then that fear might cause all the depositors to appear on the same day. If they did. the bank could not pay all accounts. However, if they did not all appear at once, then there would always be funds to pay those who wanted their money when they wanted it.
    Mrs. Elsie Vaught has told us of a terrifying bank run that she experienced. One day in December of 1928, several banks failed to open in a city where Mrs. Vaught lived. The other banks anticipated a run the next day, and so the officers of the bank in which Mrs. Vaught worked as a teller had enough funds on hand to pay off as many depositors as might apply. The officers simply instructed the tellers to pay on demand. Next morning a crowd gathered in the bank and on the sidewalk outside. The length of the line convinced many that the bank could not possibly pay off everyone. People began to push and then to fight for places near tellers’ windows. Clothing was torn and limbs broken, but the jam continued for hours. The power of the panic atmosphere is evident in the fact that two tellers, though they knew that the bank was sound and could pay out all depositors, nevertheless withdrew the funds in their own accounts. Mrs. Vaught says that she had difficulty restraining herself from doing the same.
The essential cause of a run on a bank is______.
选项 A、loss of confidence
B、lack of sufficient funds
C、crowds of people
D、inefficient tellers
答案A
解析 本题问导致银行挤兑发生的根本原因是什么。在理解了全文的基础上重点关注文章中的第一段内容，我们便可以确定本题的正确答案应是A“银行挤兑发生的根本原因是储户对银行缺乏信心”。
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