Instead, the money will come from the fees that banks pay into the deposit insurance fund.

相反，这些资金将来自银行向存款保险基金缴纳的费用。

Like Silicon Valley, First Republic has a lot of very large depositors who would not be covered by ordinary deposit insurance.

和硅谷银行一样，第一共和银行也有很多非常大的储户，他们不会被普通的存款保险覆盖。

What we worried about with deposit insurance is moral hazard, right?

存款保险我们担心的是道德风险，对吧？

Bank failures are rare in China, but the central bank has finally stepped in with a proposal to establish a deposit insurance system.

银行破产很难在中国见到，但是中央银行最终提出了建立存款保险制度的提案。

The deposit insurance system is an institutional arrangement to protect the interests on depositors and stabilize the financial system.

存款保险制度是保护存款人利益、稳定金融体系的制度安排。

To understand the dynamic at play, start with deposit insurance, which President Franklin Roosevelt is often credited with inventing.

要了解其中的动态，请从存款保险开始，富兰克林罗斯福总统经常被认为是发明了它。

The draft plan would create a deposit insurance system that will cover more than 99 percent of all deposits with banks in the country.

草案所设立的存款保险制度将覆盖全国99%的银行存款。

Regulators have warned that funds held on such apps might not qualify for deposit insurance in the event of a failure.

监管机构警告称，如果发生故障，此类应用程序上持有的资金可能不符合存款保险资格。

Is it ever worth putting your money in something that isn't covered by deposit insurance if it is your safety money?

如果它是您的安全资金， 是否值得将您的钱投入存款保险未涵盖的东西？

Still, even with deposit insurance legally capped at $250,000, the message seems to be that accounts are safe no matter their size.

尽管如此，即使存款保险的法定上限为 250,000 美元，但信息似乎是，无论规模大小，账户都是安全的。

And so the biggest and the baddest of the frauds, Long Beach Savings, voluntarily gave up its federal savings and loan charter, gave up federal deposit insurance.

业内最大最狡猾的诈骗银行长滩储蓄主动放弃联邦政府颁发的储蓄和借贷执照，放弃联邦存款保险。

But it's missing one key component that licensed and regulated banks do have in the U.S., and that is deposit insurance from the FDIC.

但它缺少美国持牌和受监管银行所拥有的一个关键组成部分，那就是 FDIC 的存款保险。

In addition to expanding deposit insurance, the likely response of regulators to the recent turmoil will be to tighten rules on interest rate risk.

除了扩大存款保险，监管机构对近期动荡的可能反应是收紧利率风险规则。

Over the past few months, in areas from deposit insurance to emergency lending to regulation of asset quality, leviathan has grown ever more dominant.

在过去的几个月里，从存款保险到紧急贷款再到资产质量监管，利维坦的主导地位越来越强。

In fact, it was the existence of this deposit insurance scheme that prevented the bank runs during the 2008 financial crisis from being a heck of a lot worse.

事实上，正是由于这一存款保险计划的存在，才避免了2008年金融危机期间银行挤兑的恶化。

If Ken Griffin were right and it really would help if depositors understood the risks they were running, then we probably shouldn't have deposit insurance at all.

如果 Ken Griffin 是对的， 如果储户了解他们所面临的风险真的会有所帮助，那么我们可能根本不应该有存款保险。

Under this institutional arrangement, deposit- absorbing financial institutions shall, according to the amount of deposits they absorb, insure with the deposit insurance company at a prescribed premium rate.

根据这一制度安排，吸收存款的金融机构应根据其吸收的存款金额，按照规定的保险费率向存款保险公司投保。

The Fed ensures that bank customers are given deposit insurance – the purpose of which is making sure that, even if a bank does indeed go under, customers are ensured that they'll get their savings back.

美联储确保银行客户拥有存款保险——其目的是确保，即使一家银行真的倒闭了，客户也能拿回他们的存款。