上周五，硅谷银行（Silicon Valley Bank，SVB）正式宣布倒闭，被加州政府接管！这是自2008年以来美国最大的倒闭银行。银行在我们看来是一个很有钱的机构，它为什么会破产呢？
In times of crisis, people like a sense of certainty.
After all, haven't we all been burned before for trusting in the wrong institutions?
And for a lot of people, nothing feels more certain than a big, comforting pile of cold, hard cash.
However, problems start to arise when a lot of people have this same idea at once.
This raises the question: Can a bank literally run out of cash if everyone withdraws their money at the same time?
And while this may seem like a silly question, the answer is actually a resounding "Yes."
It's called a Bank Run – they've happened before, and it's possible they might happen again.
First, let's take a look at the basics.
During periods of financial instability – take, for example, the Great Depression of the 1930s and the global financial crash of 2008 – a so-called "Bank Panic" begins.
During those panics, customers of a commercial bank believe that the bank may close and lose their money as a result.
