这篇文章源于一家纽约新闻报纸，觉得有价值和大家分享一下。搞清楚银行倒闭后对你的影响，这样不会惊慌，如果万一幸发生在我们的生活里。

最重要的是下面一段话：

Banks are backed by the federal government, so experts say that if you\'re bank collapses it would be taken over by another one. \"You\'d walk out Friday afternoon and come back in Monday morning and you wouldn\'t notice anything except for a name change,\" said David Beim, a professor of economics at Columbia Business School.

所以，即便银行倒闭了，也不必惊慌。不过，如果单人存款超过$10万，还要及时给予分散，因为每家银行一人只能保险$10万美元。

下面是文章ZT：

On a week that opened with people clamoring outside a California bank for their money -- a panic reminiscent of the Great Depression -- nervous New Yorkers are wondering what will become of their savings.

The crisis at Freddie Mac and Fannie Mae has only added to the general fear that more banks could go under. Experts said that while an IndyMac-style meltdown is unlikely here, the worse may still be to come. To help you make smart money decisions, here is amNY\'s guide to understanding the bank crisis.

What is causing these bank meltdowns?

An overheated housing market, according to Chip MacDonald, a banking lawyer at the law firm Jones Day in Atlanta. \"People were buying and purchasing houses and residences, and developing it at a pace far faster than the economy could absorb, and at a rate that just couldn\'t be sustained.\"

How is New York likely to fare during the banking crisis?

The city is such a global banking headquarters that ripple effects are likely. \"We have a banking system that will be strong for the future but is facing some very tough times right now,\" said Jorge Pinto, a professor of global finance at Pace University.

Can this kind of meltdown happen to a New York-based bank?

\"It already has,\" said Adam Schneider, a principal with Deloitte Consulting. \"Banks have failed in New York for over 100 years. You certainly couldn\'t rule it out.\" But others say that New York banks are unlikely to fail.

How can I vet the safety of my bank?

Go online, the experts say, and look at annual disclosure statements, bond ratings, and financial reports on the FDIC Web site. Also, be careful not to be swayed by what is the highest interest rate you can get for banking services. Banks with better rates tend to mean they take on more risk.

What do you do with your money if you don\'t trust banks?

You should learn to trust banks, at least up to $100,000, the federal insurance limit. After that, put your funds in two banks. \"The safest place for your money is in a bank,\" said John Hall at the American Bankers Association. \"It\'s also the most convenient.\"

How can I get a loan now, and what happens to it if my bank collapses?

It will be more difficult, so consumers should be more cautious, financial planners say. Also, borrowers can run into trouble if they have a mortgage or loan backed by a failed bank, but the government also backs them, so you should come out unscathed.

What should I do if my bank fails?

Banks are backed by the federal government, so experts say that if you\'re bank collapses it would be taken over by another one. \"You\'d walk out Friday afternoon and come back in Monday morning and you wouldn\'t notice anything except for a name change,\" said David Beim, a professor of economics at Columbia Business School.

How does this compare to the 1980s Savings and Loan crisis?

At this point, it doesn\'t, considering that the S&L crisis was $150 billion, and so far this crisis has just claimed one bank in California. Where this crisis ends though, no one is willing to predict. \"It depends on what happens with the real economy not with the financial market, but the behavior of consumers and producers. Consumers at this point have very little reason to consume.\"