擠提












1932年4月26月发生在纽约城的美国联合银行挤兑




2008年9月24日，其中一家東亞銀行分行出現擠提清況


擠兌（也稱為擠提；兌是兌現，提則是指提款）指的是銀行或金融機構被大批的存款客戶要求提款領回自有的儲金，通常發生在銀行的營運上有重大負面傳聞之時，銀行遭遇集中且密集的提款，很可能支應不及而宣告營運困難，倘若未得到其他援助或讓擠兌情事減緩，則該銀行極有可能因此宣告倒閉以及信用破產。




目录






  • 1 各地重要擠兌事件


    • 1.1 香港


    • 1.2 澳門


    • 1.3 英國


    • 1.4 台灣




  • 2 相關條目





各地重要擠兌事件



香港


主条目：香港銀行擠提事件列表

香港最近的大型擠兌事件為東亞銀行因市場消息問題及國際商業信貸銀行因母公司問題而破產，引起擠提；而最為人記得的事件，則是香港1965年銀行擠提潮。



澳門


主条目：滙業銀行的北韓帳戶及擠提事件

2005年9月15日，美國財政部指稱滙業銀行協助北韓客戶洗黑錢、協助偽鈔流通等支持恐怖主義活動，建議美國公司斷絕與該銀行的任何聯繫。澳門市面的滙業銀行出現擠提，在短短兩天被提走了三億澳門元，佔滙業總存款額十分之一，不過銀行稱有足夠現金應付。及後澳門特別行政區行政長官何厚鏵以“滙業銀行的客戶提款出現嚴重不正常情況”為理由，引用《金融體系法律制度》，委派大西洋銀行澳門分行總經理蘇鈺龍及澳門金融管理局內部審計辦公室副總監李展程，參與滙業銀行的管理，以鞏固公眾對金融體系的信心。2007年9月28日，兩年的管理期結束，澳門特區政府決定把匯業銀行的管理權交回原股東。



英國




北岩銀行伯明罕分行門口的擠兌人潮


2007年9月13日，英國北岩銀行聲稱基於融資問題，接受英倫銀行一項緊急資助。一般人認為是次事件是因為美國次按風暴引起。



台灣


1985年2月9日，台北市第十信用合作社因放款總額占存款總額之比率高達102%，被財政部勒令停業三天，之後各分社發生擠兌，此次事件被稱為「十信案」。



相關條目



  • 銀行存款準備金比率

  • 金融危機








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