银行为什么会倒闭？

银行是一种金融机构，为客户提供存款、贷款、理财等金融服务。然而，银行也可能会出现经营不善或管理不善等问题，导致其无法继续运营，甚至破产倒闭。以下是一些可能导致银行倒闭的原因：

首先，银行的资本充足率不足是导致其倒闭的主要原因之一。资本充足率是指银行资本与其风险资产的比率，是衡量银行经营风险的重要指标。如果银行的资本充足率不足，其经营风险就会增加，一旦出现不良贷款或其他损失，银行就可能无法承受损失而倒闭。英文翻译：

Why do banks fail?

Banks are financial institutions that provide deposit, loan, and financial services to customers. However, banks may encounter problems such as poor management or inappropriate operations, which may lead to their inability to operate or even bankruptcy and closure. The following are some reasons that may lead to the failure of a bank:

Firstly, the insufficient capital adequacy ratio of a bank is one of the main reasons for its failure. Capital adequacy ratio refers to the ratio of bank capital to its risk assets, which is an important indicator to measure bank operational risks. If the capital adequacy ratio of a bank is insufficient, its operational risks will increase. Once there is bad debt or other losses, the bank may not be able to withstand the losses and fail.