(1) We had a run on a bank in the UK, it was called Northern Rock, last year.

(2) That began a scenario akin to a run on a bank that resulted in Bear's cash positions tumbling within days and necessitating emergency help or bankruptcy protection.

(3) Those spooked by a run on a bank in Hong Kong this month may have been particularly nervous because only HK$100,000 ($12,860) of their cash is protected, including interest.

(4) Financial crisis is mainly manifested by the payment crisis when the deposit is run on a bank by its owner.

(5) So, it is very important to prevent the risk of banking, protect the depositor's interests, avoid the run on a bank and the spread of financial crisis, thus keep the financial system steady.