Film

It's a Wonderful Life

1946 · 1946

An eighty-year-old Christmas film contains the cleanest bank run ever put on screen. Maturity mismatch, why a solvent bank can still fail and the reason deposit insurance exists, in about four minutes.

• Banking
• Crises and market history

1 idea from this film

• FrameworkBanking

  A bank run is a maturity mismatch, not a solvency problem

  A bank fails when its liabilities come due faster than its assets, which can happen to a solvent bank.

  Any banking interview question on runs, deposit insurance, liquidity rules or March 2023.