禁止提領存款
Fred and Mary are bankers. They are discussing recent news.
佛瑞德和瑪麗是銀行家。他們在討論最近的新聞。
Mary: Do you know that a bank in China prevented its clients from accessing their savings?
瑪麗：你知道中國有家銀行禁止客戶提領存款嗎？
prevent sb. from doing sth. 避免某人做某事access(v.)(n.)進入、登入、取得withdraw(v.)提款、提領
Fred: I saw the news. There were so many clients outside of the bank. Imagine if they all took out their money!
佛瑞德：我有看到那則新聞。銀行外聚集了好多人啊。想像一下要是他們全都兌取現金會怎麼樣。
Mary: That would have been a bank run.
瑪麗：那會造成擠兌。
第三類條件句 would have p.p. 假設跟過去事實不相符的情況
Fred: As a banker, thinking about this sends shivers down my spine. Banks will use up all their cash reserves and end up defaulting because of a bank run.
佛瑞德：作為一名銀行家，光是想到這個就讓人背脊發涼。銀行會因為擠兌而耗盡儲備金，最終違約。
send shivers down one’s spine 讓某人背脊發涼use up 耗盡、用光=depleteend up 以～告終default(n.)(v.)違約、拖欠、不履行債務default value 預設值
Mary: How about the other clients? Many are satisfied with their bank.
瑪麗：其他客戶怎麼想的？許多人都對銀行感到滿意啊。
be satisfied with 對～感到滿意
Fred: That’s true. Because banks nowadays have reserve requirements. They must maintain a certain percentage of total deposits on hand.
佛瑞德：確實，因為現今的銀行都有儲備金的規定。他們手頭上得維持特定比例的存款。
requirement(n.)規定maintain(v.)保持、維持deposit(n.)(v.)存款fixed deposit 定存
Mary: In the US, the deposits are insured by the government.
瑪麗：在美國，政府為銀行存款投保。
insure(v.)為～投保insurance(n.)保險
Fred: I’ve heard online banks are still susceptible to this though.
佛瑞德：但我聽說網路銀行還是很容易受擠兌影響。
be susceptible to 易受某事物影響be prone (vulnerable) to sth. 易受某事物影響
Mary: For a well-managed bank, the risk of a bank run is minimal.
瑪麗：對一個管理良好的銀行而言，發生擠兌的風險可說是微乎其微。
minimal(adj.)極小的、極少的