It provides an explicit safety net , particularly for those depositors not well equipped to protect themselves , in the event of a banking crisis 存款保障计划存保计划为存户提供明确的安全网，一旦发生银行危机时，小额存户可以得到保障。
With the increasing of bank " s bad loans , bank " s steady and safety have been directly damaged , it is one of the important cause of bank " s dangerous 银行不良贷款的剧增已经成为了直接损害银行稳健与安全，导致银行危机的根源之一。
And past banking crises have stemmed more often from the commercial market ( which has traditionally shown more violent swings ) than from the residential one 而且以往的银行危机，相比于住房市场，更经常来自商业市场（通常有更多激烈的变动） 。
Nonperforining loans is the main cause of crises of bank and financial industry . high nonperforining loans have important influence on bank and a country 银行不良贷款是产生金融体系脆弱性和银行危机的主要原因，高不良资产对银行和经济有重要影响。
The world bank database includes 117 systemic bank crises , defined as episodes in which a significant proportion of a country ' s banks fail or their assets are exhausted 世界银行的数据库包括117个系统性银行危机，即一国相当大一部分银行出现破产或资不抵债的时期。
The accumulation of npl in one economy will induce banking crisis , which has occurred in many countries , such as america , japan , east european transition economies , southeast asia and korea 美国、日本、东欧的转轨国家、瑞典、东南亚各国和韩国等都出现过由于不良资产问题带来的银行危机。
Another reason to be cheerful is that the subprime crisis does not strictly correspond to previous banking crises , where losses were concentrated on banks at the heart of the payments and lending systems 另一个值得庆祝的原因是次级债危机并不严格的符合之前的银行危机，此前损失集中在银行核心的贷款和偿还系统。
This paper studies the general mechanism of banking crises triggered by the banking itself , the borrowing firms , the investors and the depositors of the bank in the process of interest rate liberalization 摘要本文研究了利率市场化过程中，银行、借款企业以及银行的投资者、储蓄者等微观主体引发银行危机的一般机理。
In 2003 , russian federal government ' s deposit insurance law on natural person was passed by duma , and the law played a critical role in easing the preparatory banks ' crisis in summer of 2004 2003年俄罗斯国家杜马通过了《俄罗斯联邦关于自然人在俄联邦银行存款保险法》 ，并在俄罗斯2004年夏季“准银行危机”的拯救中大显身手。
Second , in crisis situations , the ordinary risk management techniques adopted by banks can not work as effectively as in banks ’ everyday work . for an example , var method is not suitable for extreme situations 另一方面,目前银行采用的风险管理技术主要是针对日常经营中出现的风险,其管理强度还不能满足应对银行危机等极端事件的需要。
