President Joe Biden told Americans Monday that the nation's financial system is safe.

美国总统乔·拜登星期一告诉美国民众，美国的金融系统是安全的。

Biden made the comments after the collapse of two large banks with ties to the computer technology industry.

拜登是在两家与计算机技术行业有关联的大型银行倒闭后发表上述言论的。

U.S. regulators closed the Silicon Valley Bank on Friday after a run on the bank.

美国监管机构周五关闭了硅谷银行，在此之前，该银行遭到挤兑。

A bank run happens when too many account holders withdraw their money at the same time and the bank cannot honor their requests.

当太多的账户持有人同时取款，银行无法满足他们的要求时，就会发生银行挤兑。

The bank's failure is the second largest in U.S. history, after the 2008 failure of Washington Mutual, based in Seattle.

这是继2008年总部位于西雅图的华盛顿互惠银行倒闭之后，美国历史上第二大银行倒闭。

New York-based Signature Bank failed on Monday.

总部位于纽约的签名银行周一倒闭。

The bank had more than $110 billion in assets.

该银行拥有超过1100亿美元的资产。

That makes its failure the third largest in U.S. history.

这使其成为美国历史上倒闭的第三大银行。

Biden said he would seek to hold those responsible accountable.

拜登表示，他将会追究责任人的责任。

He also called for better oversight and regulation of large banks.

他还要求加强对大型银行的监督和监管。

He promised no losses would be paid for by taxpayers.

他承诺不会由纳税人承担任何损失。

"We must get the full accounting of what happened," he said.

他说：“我们必须对所发生的事情有一个全面的了解。”

Biden also said the supervisors of the banks should be removed.

拜登还表示，应该撤换银行的监管者。

"If the bank is taken over by the FDIC, the people running the bank should not work there anymore," he said.

“如果银行被联邦存款保险公司接管，那么管理银行的人就不应该再在那里工作了，”他说。

Biden was talking about the Federal Deposit Insurance Corporation.

拜登指的是联邦存款保险公司。

That agency guarantees bank deposits of member banks up to $250,000.

该机构为会员银行提供高达25万美元的存款担保。

The Treasury Department, the U.S. Federal Reserve and FDIC said Sunday that all Silicon Valley Bank members would be protected and would be able to get their money.

美国财政部、美国联邦储备委员会和联邦存款保险公司周日表示，所有硅谷银行的会员都将会受到保护，能够拿到他们的钱。

Under the plan, account holders at Silicon Valley Bank and Signature Bank will be able to withdraw their money on Monday.

根据该计划，硅谷银行和签名银行的账户持有人将能够在周一提款。

That includes those whose holdings are over the $250,000 limit.

其中包括那些持有超过25万美元上限的人。

News reports say many of the bank's account holders had more than the amount guaranteed by the government.

新闻报道称，该银行的许多账户持有人的存款的金额超过了政府所担保的金额。

Silicon Valley Bank began to fail when it had to sell some of its holdings at a loss to meet its customers' withdrawal requests.

硅谷银行开始倒闭时不得不亏本出售部分股份，以满足客户的提款要求。

Under the central bank's new program, banks can offer certain investments as collateral to borrow for an emergency.

根据央行的新计划，银行可以提供某些投资作为抵押品，以备不时之需。

The Treasury said it had set aside $25 billion to deal with losses.

财政部表示，其已拨出250亿美元来应对损失。

However, central bank officials said that they do not expect to have to use any of that money.

然而，央行官员表示，他们预计不会动用这笔资金。

That is because the investments provided as collateral have a very low risk of default.

这是因为作为抵押品提供的投资违约风险非常低。

Sunday's steps represented the biggest government intervention in the banking system since the 2008 financial crisis.

周日的举措是自2008年金融危机以来政府对银行系统最大规模的干预。

But the actions are limited compared with what was done 15 years ago.

但与15年前相比，这些行动是有限的。

Bank stocks continued to drop in value on Monday.

周一，银行股继续下跌。

Some investors are worried that interest rate increases might hurt the banking industry.

一些投资者担心，加息可能会损害银行业。

The most pressure is on regional banks.

压力最大的是地区性银行。

They are smaller than very large banks that some people consider "too-big-to-fail."

它们比一些人认为的“大到不可能倒闭”的超大型银行要小。

Problems at big banks helped cause the financial crisis in 2007 and 2008.

大银行的问题导致了2007年和2008年的金融危机。

Shares of another California bank, First Republic Bank, dropped 64.1 percent at the start of trading on Monday.

周一开盘时，加州另一家银行第一共和银行的股价下跌了64.1%。

The bank said Sunday it had strengthened its finances with money from the Federal Reserve and JPMorgan Chase Bank.

该银行周日表示，其已经利用美联储和摩根大通银行的资金加强了财务状况。

I'm Dan Novak.

丹·诺瓦克为您播报。

来源：VOA