| 2. | Commercial banks are the high - indebted firms , and most of the funds for loans are from the depositors . when crises arise , the banks do not have the right to request borrowers returning the borrowed funds before the expiration , but withdrawing deposits at any time is the depositors ’ right . so there can be no adequate preparation by banks to deal with bank embarrassment , commercial banks will burst - up in the short term
商业银行属于高负债企业,而且用于贷款的资金大部分来源于存款人,当危机出现时,银行没有权利要求借款人在到期之前退还所借资金,但是存款人却有权利在任何时间提取存款,这样就有能造成银行没有足够的准备用于应付挤兑,导致商业银行在短期内破产。 |
