Bank failures occur when there's not enough gold in the vault and then people start asking for the gold and the goldsmith banker doesn't have it to give out.

当金库没有足够的黄金时,银行就会倒闭,因为当人们开始索要黄金时,金匠银行家却拿不出来

耶鲁公开课 - 金融市场课程节选

It says that you have to keep deposits with us here at the central bank; either that or else keep vault cash and show that you have it as reserves for your deposits.

它声明你必须在中央银行这里,付保证金；,要不那样做，要不就在金库中存钱,并且表明你把它作为,存款中的储备金。

耶鲁公开课 - 金融市场课程节选