But like a melting ice cube, the bank's franchise value would rapidly shrink as depositors, counterparties and staff all left.
但如同冰块融化般，银行的特许价值会随着储户、订约方和工作人员的离去急速收缩。It is not only a matter of how much is protected, of course, but also of how quickly and easily the savers would get it back.
现在的问题当然不仅是有多少钱得到了保障，更在于储户如何才能快速容易的取回自己的存款。But like a melting ice cube, the bank's franchise value would rapidly shrink as depositors, counter parties and staff all left.
但等储户、合约方和员工纷纷逃离之时，银行原有的特许经营权价值就会就像冰块融化一样迅速缩减。The publicity sent the bank's depositors running and caused other banks to stop doing business with it.
这种公开举动使在这家银行的储户纷纷挤兑，并导致其他银行停止与它进行业务往来。As the central bank has tightened monetary policy, this has made it harder for the bank to win the business of ordinary savers.
随着中国央行收紧货币政策，该行赢得普通储户的难度增大了。As it may be politically infeasible to continue to expect savers to bear all the investment risk, some benefits may have to be guaranteed.
由于继续指望储户承担所有投资风险在政治上不可行，因此必须保证一定的收益。If you see a queue outside a bank there is a good chance that nervous depositors are trying to withdraw funds.
如果你看到一家银行外面排起了长队，则很有可能是神经紧张的储户正在取现挤兑。But, in addition to that basically simple concept, the bank and its customer owe a large number of obligations to one another.
除了这一基本的简单的概念外，银行和储户彼此还需承担大量义务。But was there ever a depositor who thought he was turning his money over to the banker so he could "do as he pleases" with it?
但是，有储户认为他把钱交给了银行家后，银行家就可以为所欲为了，有这样的储户吗？