From Wikipedia, the free encyclopedia
擠提(bank run)係指好多人突然走去銀行提款。
銀行接受客戶存款嘅時候,實際上係銀行向客戶借錢,屬於債務嘅一種。
而銀行接受存款之後,唔會單純咁將客戶嘅錢放喺個夾萬到保管,而係會將呢啲錢放出去做貸款、或者投資,以賺取當中嘅利息。所以銀行入面擁有嘅即刻攞得出嚟嘅錢並唔等於接受咗嘅存款總額。
因此,當大量存款客戶喺短時間內要求提款嘅時候,銀行未必夠錢支付呢啲提款金額。
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