Banks are not ordinarily prepared to pay out all account; they depend on depositors(儲戶) not to demand payment all at the same time. If depositors come to fear that a bank is not sound, that it can not pay off all its depositors, then that fear might cause all the depositor 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 run on the bank that she experienced.
One day in December of 1925, several banks failed to open in the city where Mrs Vaught lived. The other banks expected a run the next day, and so the officers of the bank in which Mrs Vaught worked as a teller(出納員) had enough funds on hand to pay off as many depositors as might appear. The officer simply instructed the tellers to pay on demand. The next morning a crowd gathered in the bank and on the sidewalk outside. The length of the line made many believe that the bank could not possibly pay off everyone. People began to push and then to fight for places near the tellers’ windows. Clothing was torn, legs and arms broken, but the crowd continued for hours. The power of the panic atmosphere was so great that two tellers, though they knew that the bank was sound and could pay out all depositors, drew their own money from the bank. Mrs Vaught says that she had difficulty preventing herself from doing the same.
1. When would a bank run happen?
A. A bank is closed for one or more days.
B. Too many depositors attempts to draw out their money at the same time.
C. Other banks don’t have enough money.
D. Clerks of a bank take their own money out of the bank
2. The crowd in the bank and on the sidewalk gathered because of _________.
A. demand      B. hunger           C. doubt         D. anger
3. The basic cause of a run on the bank is __________.
A. loss of confidence    B. lack of enough funds
C. crowds of people     D. inexperienced tellers


【小題1】B
【小題2】C
【小題3】A

解析

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