當(dāng)局說沒有必要清空自動取款機

當(dāng)局說沒有必要清空自動取款機

Toilet tissue isn't the only paper product that Americans are hoarding these days. Paper money is also in high demand.

衛(wèi)生紙并不是美國人這些天來唯一囤積的紙質(zhì)產(chǎn)品。紙幣的需求量也很大。

Banks are seeing more cash withdrawals as nervous customers try to protect themselves from the uncertainty of the coronavirus clampdown.

由于緊張不安的客戶試圖保護(hù)自己免受冠狀病毒打擊的不確定性，銀行正面臨更多的現(xiàn)金被提取。

There are reports — especially from wealthy neighborhoods — of people pulling tens of thousands of dollars out of their bank accounts. Demand was so high that one bank branch in Midtown Manhattan temporarily ran out of $100 bills, The New York Times reported. The bank was quickly resupplied the following day.

有報告說，特別是來自富裕社區(qū)的人，從他們的銀行帳戶中取出數(shù)萬美元。據(jù)《紐約時報》報道，需求如此之高，以至于曼哈頓中城的一家銀行分支機構(gòu)的100美元鈔票一度售罄。第二天銀行很快就得到了補充。

While stocking your pantry with pasta and canned goods may provide some measure of security, officials say there are risks to keeping too much cash on hand.

盡管在你的食品儲藏室里儲備意大利面和罐裝食品可能會提供某種程度的安全措施，但官員們表示，手頭持有過多現(xiàn)金存在風(fēng)險。

"Forget hoarding cash. Your money is the safest at the bank," said Jelena McWilliams, chairman of the Federal Deposit Insurance Corp., which safeguards bank accounts.

“別囤積現(xiàn)金。你的錢在銀行是最安全的，”負(fù)責(zé)銀行賬戶安全的聯(lián)邦存款保險公司主席耶萊娜•麥克威廉姆斯表示。

McWilliams understands the anxiety that the coronavirus provokes. She'll confess to making her own panicked grocery run to Costco. But the federal bank regulator says there's no need for customers to empty the ATM.

麥克威廉姆斯理解冠狀病毒引起的焦慮。她會承認(rèn)自己驚慌失措地跑去了好市多。但聯(lián)邦銀行監(jiān)管機構(gòu)表示，客戶沒有必要清空ATM機。

"Just as it is not necessarily rational to hoard toilet paper, it is also not rational to hoard cash," McWilliams said. Some banks have limited hours or even closed branches out of concern for their workers' health. But ATMs are still operating and getting frequent cash deliveries from armored trucks.

麥克威廉姆斯說:“就像囤積衛(wèi)生紙不合理一樣，囤積現(xiàn)金也不合理。”一些銀行出于對員工健康的考慮，限制工作時間甚至關(guān)閉分支機構(gòu)。但自動取款機仍在運行，并經(jīng)常收到裝甲車送來的現(xiàn)金。

Treasury Secretary Steven Mnuchin noted this week that armored truck drivers and others who work in financial services are considered essential parts of the nation's critical infrastructure.

美國財政部長史蒂文•姆欽本周指出，運鈔車司機和其他在金融服務(wù)業(yè)工作的人被認(rèn)為是美國關(guān)鍵基礎(chǔ)設(shè)施的重要組成部分。

"This is not a natural disaster like a hurricane or an earthquake where the electricity is out," said Greg McBride, chief financial analyst at Bankrate.com. "This is the opposite in many ways, in that, if you're holed up at home, having a pile of cash isn't going to do you a whole lot of good."

Bankrate.com的首席金融分析師格雷格·麥克布賴德說:“這不是一場像颶風(fēng)或地震那樣沒有電力供應(yīng)的自然災(zāi)害。”“這在很多方面都是相反的，如果你窩在家里，有一大堆錢對你沒有任何好處。”

McBride said customers are better off leaving their money in the bank so they can pay their mortgage and credit card bills online. It also relieves any worry about loss or theft.

麥克布賴德說，顧客最好把錢存在銀行，這樣他們就可以在網(wǎng)上支付抵押貸款和信用卡賬單。它也減輕了對丟失或盜竊的擔(dān)憂。

Before the coronavirus hit, Americans were steadily moving away from cash and increasingly relying on credit cards, debit cards and new forms of digital payment.

在冠狀病毒爆發(fā)之前，美國人一直在逐步遠(yuǎn)離現(xiàn)金，越來越多地依賴信用卡、借記卡和新的數(shù)字支付方式。

"Even person-to-person payments, that's increasingly done through apps like Venmo or Zelle and not by reaching into your pocketbook, pulling out some green stuff and handing it to your colleague," McBride said.

麥克布賴德說:“即使是人與人之間的支付，也越來越多地通過Venmo或Zelle等應(yīng)用來完成，而不是從你的錢包里掏出一些綠色的東西，然后遞給你的同事。”

Of course, millions of Americans don't have bank accounts and may have to rely on cash. Some have suggested that handling paper money may increase your chances of getting or passing on the coronavirus, although there's little scientific consensus on that.

當(dāng)然，數(shù)百萬美國人沒有銀行賬戶，可能不得不依賴現(xiàn)金。有些人認(rèn)為，處理紙幣可能會增加你感染或傳播冠狀病毒的幾率，盡管科學(xué)界對此幾乎沒有共識。

In some cases, people's rush to pull money out of the bank has been stoked by scam artists. The FDIC warned a California gold dealer last week to stop advertising its products with the false claim that consumer bank accounts could be seized in a time of crisis.

在某些情況下，人們急于把錢從銀行提出來是被騙子煽動起來的。美國聯(lián)邦存款保險公司上周警告加州一家黃金交易商，不要再用消費者銀行賬戶可能在危機時期被凍結(jié)的虛假聲明為其產(chǎn)品做廣告。

"That is absolutely false," McWilliams said. "It's patently false. And frankly it's criminal in my opinion."

“這絕對是錯誤的，”麥克威廉姆斯說。“這是明顯錯誤的。坦率地說，我認(rèn)為這是犯罪。”

The nation's banks came into this crisis in strong financial shape. Even if a bank were to fail, deposits are insured up to $250.000 per account.

在這場危機中，美國的銀行保持著良好的財務(wù)狀況。即使銀行破產(chǎn)，每個賬戶的存款保險最高可達(dá)25萬美元。

"Nobody has ever lost any money guaranteed that's been protected by federal deposit insurance," McBride said.

麥克布賴德說:“沒有人損失過任何有聯(lián)邦存款保險保障的錢。”