America’s banking conflagration may have died down, but the clean-up continues. Small and midsized banks have lost about $260bn in deposits this year. The Federal Reserve continues to plug much of the gap, having lent nearly $150bn to banks via its emergency schemes. Next year the Fed must decide whether to prolong them. By May 1st the Federal Deposit Insurance Corporation (FDIC) will produce a menu of options for Congress about how to reform or expand the backstop the regulator provides, which is currently capped at $250,000 per depositor. Many blame the limit for the run which brought down Silicon Valley Bank (SVB).

美國銀行的火災(zāi)可能已經(jīng)平息，但是善后工作仍在繼續(xù)。今年，中小型銀行損失了大約2600億美元的存款。為了堵住這個缺口，美聯(lián)儲按照緊急預(yù)案向銀行提供將近1500億美元的貸款，美聯(lián)儲必須決定明年是否延長這一計劃。到5月1日，聯(lián)邦存款保險公司將為國會在關(guān)于如何改革或者擴大監(jiān)管機構(gòu)提供的緊急措施制定多種方案并供其選擇，目前，每個儲戶的取款上限為250000美元。 很多人把硅谷銀行因擠兌而破產(chǎn)的原因歸咎于取款上限。

Conflagration :n 火災(zāi) ???be capped at :上限 ?run：n:擠兌? ? plug:v 補足 堵 塞

backstop: n 守門員 加強 （喻）緊急措施 v 止住 支持

As happens after every banking panic, the safety-net is being remade. And so regulators must again confront a profound question: how far into finance should the hand of government reach?

每次都是銀行業(yè)發(fā)生恐慌之后，“安全網(wǎng)”才被建立。因此，監(jiān)管機構(gòu)必須再一次面對一個深刻的問題：政府的手，在金融領(lǐng)域應(yīng)該伸多長？