Banksare not ordinarily prepared to pay out all accounts; they rely on depositors(储户)not to demand payment all at the same time. If depositors shouldcome to fear
that a bank is not safe, that it cannot pay off all itsdepositors,then that fear might cause all the depositors to appear on the same day.If they did, the bank could
not pay all accounts. However, if they did not allappear at once, then there would always be enough money to pay those who wantedtheir money when they wanted it.
Mrs.Elsie Vaught has told us of a terrifyingbank run that she experienced. One day in Decemer of 1925 several banks failedto open in a city where Mrs. Vaught lived.
The other banks expected a run the nextday,and so the officers of the bank in which Mrs. Vaught worked as a teller hadenough money on hand to pay off their
depositors. The officers simply told thetellers to pay on demand. The next morning a crowd gathered in the bank and onthe sidewalk outside. The length of the line
made many think that the bankcould not possibly pay off everyone. People began to push and then to fight forplaces near the tellers′ windows. The power of the panic
atmosphere was suchthat two tellers, though they knew that the bank was quite all right and couldpay all depositors, drew their own money from
the bank. Mrs. Vaught says that she haddifficulty keeping herself from doing the same.
第52题单选 A bank run happens when __
A.a bank is closed for one or more days
B.too many depositors try to draw outtheir money at one time
C.there is not enough money to pay allits depositors at one time
D.tellers of a bank take their own moneyfrom the bank
第53题单选 The main cause of a bank run is __
A.loss of confidence
B.lack of money
C.crowds of people
第54题单选 Which of the following did Mrs. Vaughtsay?
A.She knew that the bank was not sound.
B.She feared that too many depositorsdrawing their money would close the bank.
C.She was not able to draw out her money.
D.She was tempted to draw out her money.
第55题单选 According to the passage, the actionsof the depositors of Mrs. Vaught′s bank were affected mainly by the __
A.ease with which they could get theirmoney
B.confidence that Mrs. Vaught showed
C.failure of several other banks to open
D.confidence shown by other depositors ofthe bank
五、VI. Writing ( 25 points)
生词：交换礼品——to exchange gifts;学生会——the Students’Union
May I have your attention,please? I havean announcement to make.