名人演讲：the banking crisis

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1、名人演讲：TheBankingCrisisFranklinDelanoRoosevelt:FirstFiresideChatalign=enter>"TheBankingCrisis"Mfriends:IanttotalkforafeminutesiththepeopleoftheUnitedStatesaboutbanking--totalkiththeparativelfehounderstandthemehanisofbanking，butmorepartiularliththeoverhelmingmajoritofouhousebanksforthe*

2、*ofdepositsandthedraingofheks。Ianttotellouhathasbeendoneinthelastfedas，andhitasdone，andhatthenextstepsaregoingtobe。IreognizethatthemanprolamationsfromStateapitolsandfromWashington，thelegislation，theTreasurregulations，andsoforth，ouhedforthemostpartinbankingandlegalterms，outtobeexplain

3、edforthebenefitoftheaverageitizen。Ioethis，inpartiular，beauseofthefortitudeandthegoodtemperithhiheverbodhasaeptedtheinonvenieneandhardshipsofthebankingholida。AndIknothathenouunderstandhateinWashingtonhavebeenabout，IshallontinuetohaveourooperationasfullasIhavehadoursmpathandourhelpduri

4、ngthepasteek。Firstofall，letmestatethesimplefatthathenoudepositmoneinabank，thebankdoesnotputthemoneintoasafedepositvault。Itinvestsourmoneinmandifferentformsofredit--inbonds，inmerialpaper，inmortgagesandinman第8页otherkindsofloans。Inotherords，thebankputsourmonetoorktokeeptheheelsofindustr

5、andofagriultureturningaround。Aparativelsmallpartofthemonethatouputintothebankiskeptinurren--anamounthihinnormaltimesishollsuffiienttoovertheashneedsoftheaverageitizen。Inotherords，thetotalamountofalltheurrenintheountrisonlaparativelsmallproportionofthetotaldepositsinallthebanksoftheou

6、ntr。What，then，happenedduringthelastfedasofFebruarandthefirstfedasofMarh?Beauseofunderminedonfideneonthepartofthepubli，thereasageneralrushbalargeportionofourpopulationtoturnbankdepositsintourrenorgold--arushsogreatthatthesoundestbanksouldn'tgetenoughurrentomeetthedemand。Thereasonforth

7、isasthatonthespurofthemomentitas，ofourse，impossibletosellperfetlsoundassetsofabankandonvertthemintoash，exeptatpanipriesfarbelotheirrealvalue。BtheafternoonofMarhthird，aeekagolastFrida，sarelabankintheountrasopentodobusiness。Prolamationslosingthem，inholeorinpart，hadbeenissuedbtheGoverno

8、rsinalmostal