为什么股票下跌会导致银行破产：中英文双语解读

中文版

股票市场的波动与银行的稳健运营息息相关。当股票价格大幅下跌时，银行可能会面临破产的风险。这主要源于以下几个方面：

首先，银行的资产组合中通常包含大量的股票投资。当股市下跌时，银行持有的股票资产价值也会相应减少，进而导致银行的资产负债表出现不平衡。如果银行的资产价值下降过多，可能会使其无法满足负债的要求，从而引发破产风险。

其次，股票下跌还可能影响银行的信贷业务。股市下跌通常伴随着经济衰退或不确定性增加，这可能导致企业和个人贷款违约率上升。银行作为信贷中介，面临贷款损失的风险，进而影响其盈利能力和偿付能力。

此外，股票市场的下跌还可能引发投资者的恐慌和信心丧失。当投资者对股市失去信心时，他们可能会纷纷抛售股票，导致股价进一步下跌。这种恐慌情绪可能蔓延至银行体系，引发存款人的挤兑，使银行面临流动性危机，甚至破产。

英文版

The fluctuation of the stock market is closely related to the stable operation of banks. When stock prices decline sharply, banks may face the risk of bankruptcy. This mainly stems from the following aspects:

Firstly, banks' asset portfolios often contain a large number of stock investments. When the stock market falls, the value of the bank's stock assets will also decrease accordingly, leading to an imbalance in the bank's balance sheet. If the value of the bank's assets decreases too much, it may not be able to meet its liabilities, thus triggering the risk of bankruptcy.

Secondly, a decline in stock prices can also affect a bank's credit business. A falling stock market is usually accompanied by economic recession or increased uncertainty, which may lead to a rise in default rates on corporate and personal loans. As a credit intermediary, banks face the risk of loan losses, which can affect their profitability and solvency.

In addition, a decline in the stock market can also trigger panic and loss of confidence among investors. When investors lose confidence in the stock market, they may sell their stocks in a panic, causing further declines in stock prices. This panic sentiment can spread to the banking system, triggering a run on the bank, putting it in a liquidity crisis and even leading to bankruptcy.