| 单词 | deposit insurance |
| 释义 | deposit insurance Insurance of the depositors with banks or other financial intermediaries against default by the bank. This is normally either paid for through premiums charged to all banks, or funded by a central bank or government. The advantage of deposit insurance is that it safeguards individuals and small businesses against ruin through losing their money. The disadvantage of deposit insurance is that it makes large businesses disregard the risks being taken by the banks or other credit institutions. Deposit insurance forces the taxpayer or prudent institutions to subsidize more reckless ones. This problem can be mitigated somewhat by limiting the compensation payable in respect of any one account, or better, to any one depositor. |
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