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1、名人英语演讲稿：TheBankingCrisis myfriends: iwanttotalkforafewminuteswiththepeopleoftheunitedstatesaboutbanking--totalkwiththecomparativelyfewwhounderstandthemechanicsofbanking,butmoreparticularlywiththeoverwhelmingmajorityofyouwhousebanksforthemakingofdepositsandthedrawingofchecks. iwantto
2、tellyouwhathasbeendoneinthelastfewdays,andwhyitwasdone,andwhatthenextstepsaregoingtobe.irecognizethatthemanyproclamationsfromstatecapitolsandfromwashington,thelegislation,thetreasuryregulations,andsoforth,couchedforthemostpartinbankingandlegalterms,outtobeexplainedforthebenefitoftheave
3、ragecitizen.iowethis,inparticular,becauseofthefortitudeandthegoodtemperwithwhicheverybodyhasacceptedtheinconvenienceandhardshipsofthebankingholiday.andiknowthatwhenyouunderstandwhatweinwashingtonhavebeenabout,ishallcontinuetohaveyourcooperationasfullyasihavehadyoursympathyandyourhelpdu
4、ringthepastweek. firstofall,letmestatethesimplefactthatwhenyoudepositmoneyinabank,thebankdoesnotputthemoneyintoasafedepositvault.itinvestsyourmoneyinmanydifferentformsofcredit--inbonds,incommercialpaper,inmortgagesandinmanyotherkindsofloans.inotherwords,thebankputsyourmoneytoworktokee
5、pthewheelsofindustryandofagricultureturningaround.acomparativelysmallpartofthemoneythatyouputintothebankiskeptincurrency--anamountwhichinnormaltimesiswhollysufficienttocoverthecashneedsoftheaveragecitizen.inotherwords,thetotalamountofallthecurrencyinthecountryisonlyacomparativelysmallp
6、roportionofthetotaldepositsinallthebanksofthecountry. what,then,happenedduringthelastfewdaysoffebruaryandthefirstfewdaysofmarch?becauseofunderminedconfidenceonthepartofthepublic,therewasageneralrushbyalargeportionofourpopulationtoturnbankdepositsintocurrencyorgold--arushsogreatthatthe
7、soundestbankscouldn'tgetenoughcurrencytomeetthedemand.thereasonforthiswasthatonthespurofthemomentitwas,ofcourse,impossibletosellperfectlysoundassetsofabankandconvertthemintocash,exceptatpanicpricesfarbelowtheirrealvalue.bytheafternoonofmarchthird,aweekagolastfriday,scarcelyabankinthe
