Banks are not ordinarily prepared to pay out all accounts; they rely on depo

游客2025-03-21 23

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. [br] According to the passage, the actions of the customers of Mrs. Vaught’s bank were influenced chiefly by the______.

选项 A、ease with which they could obtain their money
B、confidence demonstrated by other customers of the bank
C、confidence that Mrs. Vaught demonstrated
D、failure of several other banks to open

答案 D

解析本题仍然是一道具体细节题，与答案相关的信息在文章第二段所叙述的实例中。根据文章第二段的第一句话、第二句话和第三句话的内容，埃尔西·沃特太太给我们讲述了她自己亲身经历过的一次可怕的银行挤兑事件。那是1928年12月的一天，沃特太太居住的那个城市中有几家银行倒闭了。别的几家银行预计还会有挤兑发生。沃特太太工作的那个银行管理人员让他们做好顾客取款的准备。结果确实有许多顾客来取款。因此，我们可以推断出本题的正确答案是D“沃特太太工作的银行的顾客取款行为是由于受到其他几个银行倒闭的影响”。

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Banks are not ordinarily prepared to pay out all accounts; they rely on depo

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