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英検1級要約お金・消費

銀行は、預けられたお金をすべて現金として保管しているわけではありません。

Banks do not keep all deposited money in cash. Instead, they use part of those funds to make loans to households and businesses, while retaining enough liquid assets to meet normal withdrawals. This system supports economic activity, but it can create problems when confidence in a bank suddenly weakens. If rumors about financial trouble spread, many depositors may try to withdraw their money at the same time. Even a bank that is otherwise sound may then struggle to provide enough cash immediately, because much of its money is tied up in loans and other assets.

90〜110語 · プリントあり

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英検1級要約お金・消費

洪水、山火事、その他の自然災害が頻繁に発生する地域では、保険会社が住宅被害に対して支払う保険金が増えています。

In regions frequently affected by floods, wildfires, and other natural disasters, insurance companies are paying out larger sums for damage to homes. As losses rise, insurers may conclude that future claims in certain areas will be too costly to cover at existing prices. They can respond by sharply increasing premiums, reducing the amount of coverage offered, or refusing to issue new policies in places considered especially risky. For homeowners, this means that insurance may become unaffordable or unavailable even when they still need protection against serious property damage.

90〜110語 · プリントあり

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