Скачать или смотреть WHY BANKS FAIL

In today's economic landscape, the question of "why banks fail" arises, unraveling the intricate workings of these central yet fragile institutions. Fractional Reserve Banking, a cornerstone of modern economies, traces its roots to goldsmiths in the Middle Ages. While it stimulated economic growth by amplifying capital, its double-edged nature poses risks. Bank runs, triggered by deteriorating portfolios, increased competition, or systemic issues, remain a perpetual threat.

To prevent such crises, nations deploy measures like Deposit Insurance, Risk Control, and Emergency Tools. However, the Banking Crisis of 2023 paints a challenging picture, with banks like Silvergate, Signature, Silicon Valley, and First Republic facing bankruptcy or acquisition. Rising interest rates, aimed at combating inflation, have eroded bank assets, fueling uncertainty and depositor withdrawals. As the Federal Reserve implements programs to inject liquidity, the fate of banks remains uncertain, with potential repercussions on the broader economy.

00:00 Intro
00:37 Fractional Reserve Banking
02:37 Bank Runs
05:10 Banking Regulation
07:39 Banking Crisis of 2023

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