福克斯新闻 《生活多美好》片段走进课堂（在线收听）

The beloved holiday movie "It's A Wonderful Life" portrays a classic bank run: "You're thinking of this place all wrong. As if I had the money back in a safe. The money's not here. Your money's in Joe's house, that's right next to yours. And in the Kennedy house, and Mrs. Macklin's house, and a hundred others."

Bernie McSherry is founding Dean of New Jersey City University and former Governor of the New York Stock Exchange: "You know it's based on the idea of fractional reserved banking. The idea of fractional reserved banking is that when you take money to the bank, you make a deposit, they keep only a very small percentage of that money actually on hand and they lend the rest out."

The scene is even used by former FED Chair Ben Bernanke to explain to students what happens in a bank run.

McSherry says the generous locals who toss money into a basket at the end of the movie would probably have to deposit that cash.

I'm Ginny Kosola.

专门为你准备的工作日休假。

备受观众喜爱的电影《生活多美好》讲述了一个经典的银行挤兑案例："你对这个地方的理解完全误会了。你想得好像我保险箱里有钱似的。钱没在这儿。你的钱在乔家，他家就在你家隔壁。在肯尼迪家，在麦克林夫人家，在上百户人家家里。”

新泽西城市大学的创院院长兼纽约证券交易所的前任主席伯尼·麦克谢利说到:“你知道的，银行的管理是建立在部分准备金制度之上的。部分准备金理念就是客户把钱拿到银行存起来的时候，

银行只会留一小部分备用，剩下的那些钱银行会全部借出去。”

电影里的这个桥段甚至还被美联储前主席本·伯南克用来向学生解释银行挤兑会引发什么样的问题。

麦克谢利还说，影片最后那些慷慨地将钱大把大把地投资在一个篮子里的当地人最终可能还是得把他们的现金存到银行里去。

我是金妮·科索拉。