想要在 small talk 中也能夠跟同事一起聊最近的 Banking Crisis 嗎? 在如何用英文聊Banking crisis Part 2中，我們來探索銀行之外重要的參與角色以及他們的作用。

Part 2 - Other key parties

Vocabulary

1. Federal Reserve (Fed) 聯邦儲備銀行是負責美國貨幣及金融穩定的中央銀行
2. Federal Deposit Insurance Corporation ****FDIC
   1. 全稱為聯邦存款保險公司 若受保銀行倒閉，FDIC 可保護在美國的受保銀行儲戶的存款免受損失。任何個人或實體均可在任一受保銀行獲得FDIC 的 存款保險。
   2. 保險金額上限為每人USD250,000
3. Treasury Department 財政部
4. Government bailout 政府紓困
5. Dodd Frank Act
6. Material Weakness 內部控制重大缺失
7. Adverse Opinion 否定意見
8. Acquisition 收購
9. Contagion 感染，蔓延，傳播，擴散

Credit Suisse

CS ask for help from Swiss National Bank and borrowed $50 billion to gain confidence from the public.

Within hours, Credit Suisse said it would tap a more than $50 billion lifeline from the Swiss National Bank. That sent Credit Suisse’s stock price up on **** Thursday, lifting other European banks alongside it.

SVB

Dodd Frank Act (流動資金)

After the banking crisis that triggered the bank recession in 2008, Obama signed the Dodd Frank Act to regulate banks. But in 2018, during the Trump administration, some of the regulations on smaller bank ($250 million or less in assets) are rolled back.