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America’s banking conflagration may have died down, but the clean-up continues. Small and midsized banks have lost about $260bn in deposits this year. The Federal Reserve continues to plug much of the gap, having lent nearly $150bn to banks via its emergency schemes. Next year the Fed must decide whether to prolong them. By May 1st the Federal Deposit Insurance Corporation (FDIC) will produce a menu of options for Congress about how to reform or expand the backstop the regulator provides, which is currently capped at $250,000 per depositor. Many blame the limit for the run which brought down Silicon Valley Bank (SVB).

美国银行的火灾可能已经平息，但是善后工作仍在继续。今年，中小型银行损失了大约2600亿美元的存款。为了堵住这个缺口，美联储按照紧急预案向银行提供将近1500亿美元的贷款，美联储必须决定明年是否延长这一计划。到5月1日，联邦存款保险公司将为国会在关于如何改革或者扩大监管机构提供的紧急措施制定多种方案并供其选择，目前，每个储户的取款上限为250000美元。 很多人把硅谷银行因挤兑而破产的原因归咎于取款上限。

Conflagration :n 火灾    be capped at :上限  run：n:挤兑    plug:v 补足 堵 塞

backstop: n 守门员 加强 （喻）紧急措施 v 止住 支持

As happens after every banking panic, the safety-net is being remade. And so regulators must again confront a profound question: how far into finance should the hand of government reach?

每次都是银行业发生恐慌之后，“安全网”才被建立。因此，监管机构必须再一次面对一个深刻的问题：政府的手，在金融领域应该伸多长？