The FDIC is a United States government organisation that protects ordinary money in banks. If your bank belongs to the FDIC and then cannot pay its debts, the FDIC pays you back what you had in that bank, up to a limit.

The FDIC is a United States government organisation FDIC是美國政府的一個機構， that protects ordinary money in banks.保護一般人存在銀行裡的錢。 If your bank belongs to the FDIC and then cannot pay its debts,如果你的銀行加入了FDIC，之後卻還不出錢， the FDIC pays you back what you had in that bank,FDIC會把你存在那家銀行裡的錢還給你， up to a limit.但有一個上限。

The letters stand for Federal Deposit Insurance Corporation: federal means the US national government; a deposit is money you put in a bank; insurance is a promise to pay when something goes wrong; a corporation here is an official body, not a normal company chasing profit.

The letters stand for Federal Deposit Insurance Corporation:這幾個字母代表Federal Deposit Insurance Corporation（聯邦存款保險公司）： federal means the US national government;federal指的是美國聯邦政府； a deposit is money you put in a bank;deposit是你存進銀行的錢； insurance is a promise to pay when something goes wrong;insurance是出事時會理賠的一種保證； a corporation here is an official body, not a normal company chasing profit.這裡的corporation是一個官方機構，不是追求獲利的一般公司。

Banks like to show the FDIC sign in the window so people feel safe leaving money there. Though actually, older learner dictionaries still say the limit is $100,000; since 2008 the usual limit has been $250,000 per person, per bank, per kind of account.

Banks like to show the FDIC sign in the window銀行喜歡把FDIC的標誌貼在窗戶上， so people feel safe leaving money there.好讓人覺得把錢放在那裡很安全。 Though actually,不過其實， older learner dictionaries still say the limit is $100,000;比較舊的學習詞典還寫著上限是10萬美元； since 2008 the usual limit has been $250,000但自從2008年以後，一般上限已經是25萬美元， per person, per bank, per kind of account.以每人、每家銀行、每種帳戶類型計算。

It does not protect stocks, or money in a shop that goes bust, or a bank in another country. It is an American safety net, not a world one. You meet it in news about US banks and in business English; people say the letters, not the long name.

It does not protect stocks,它不保障股票， or money in a shop that goes bust,也不保障倒閉商店裡的錢， or a bank in another country.更不保障其他國家的銀行。 It is an American safety net,這是美國的安全網， not a world one.不是全世界的。 You meet it in news about US banks and in business English;你會在美國銀行的新聞和商業英文裡看到它； people say the letters, not the long name.大家會唸這幾個字母，不會唸完整的名稱。