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ID:8094600
大小:53.91 KB
页数:8页
时间:2018-03-05
《名人演讲:the banking crisis》由会员上传分享,免费在线阅读,更多相关内容在应用文档-天天文库。
1、名人演讲:TheBankingCrisisFranklinDelanoRoosevelt:FirstFiresideChatalign=enter>"TheBankingCrisis"Mfriends:IanttotalkforafeminutesiththepeopleoftheUnitedStatesaboutbanking--totalkiththeparativelfehounderstandthemehanisofbanking,butmorepartiularliththeoverhelmingmajoritofouhousebanksforthe**
2、ofdepositsandthedraingofheks。Ianttotellouhathasbeendoneinthelastfedas,andhitasdone,andhatthenextstepsaregoingtobe。IreognizethatthemanprolamationsfromStateapitolsandfromWashington,thelegislation,theTreasurregulations,andsoforth,ouhedforthemostpartinbankingandlegalterms,outtobeexplained
3、forthebenefitoftheaverageitizen。Ioethis,inpartiular,beauseofthefortitudeandthegoodtemperithhiheverbodhasaeptedtheinonvenieneandhardshipsofthebankingholida。AndIknothathenouunderstandhateinWashingtonhavebeenabout,IshallontinuetohaveourooperationasfullasIhavehadoursmpathandourhelpduringt
4、hepasteek。Firstofall,letmestatethesimplefatthathenoudepositmoneinabank,thebankdoesnotputthemoneintoasafedepositvault。Itinvestsourmoneinmandifferentformsofredit--inbonds,inmerialpaper,inmortgagesandinman第8页otherkindsofloans。Inotherords,thebankputsourmonetoorktokeeptheheelsofindustrando
5、fagriultureturningaround。Aparativelsmallpartofthemonethatouputintothebankiskeptinurren--anamounthihinnormaltimesishollsuffiienttoovertheashneedsoftheaverageitizen。Inotherords,thetotalamountofalltheurrenintheountrisonlaparativelsmallproportionofthetotaldepositsinallthebanksoftheountr。W
6、hat,then,happenedduringthelastfedasofFebruarandthefirstfedasofMarh?Beauseofunderminedonfideneonthepartofthepubli,thereasageneralrushbalargeportionofourpopulationtoturnbankdepositsintourrenorgold--arushsogreatthatthesoundestbanksouldn'tgetenoughurrentomeetthedemand。Thereasonforthisasth
7、atonthespurofthemomentitas,ofourse,impossibletosellperfetlsoundassetsofabankandonvertthemintoash,exeptatpanipriesfarbelotheirrealvalue。BtheafternoonofMarhthird,aeekagolastFrida,sarelabankintheountrasopentodobusiness。Prolamationslosingthem,inholeorinpart,hadbeenissuedbtheGovernorsinalm
8、ostal
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