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Lessons of the fall

机译：秋天的教训

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A month after Northern Rock made shocking headlines around the world, the full story of Britain's first bank run in 140 years has yet to be told. People were little the wiser this week, after Adam Applegarth, the mortgage bank's chief executive, and Matt Ridley, its chairman, tried to convince a sceptical parliamentary committee investigating the fiasco that they had been struck down by a bolt from the blue. The business model of Britain's fastest-growing mortgage bank—which funded its loan book mainly from the wholesale markets, rather than from retail deposits—had been prudence itself, they explained, derailed only by sloppy lending in America that caused those markets to seize up in August. But their Northern Rock is now a busted flush. None of the three groups who talk of buying it at a knock-down price-a consortium led by Sir Richard Branson's Virgin Group and two private-equity outfits, Cerberus and J.C. Flowers-wants to keep its name. The bank, kept afloat at present by £13 billion ($26 billion) of public money, does not rule out going back to the Bank of England for more. And just as Northern Rock's bosses deny imprudence, so the central bank's governor, the head of the Financial Services Authority and the chancellor of the exchequer stoutly maintain that they were not responsible for the mess either.
机译：在北岩（Northern Rock）成为世界各地的头条新闻之后一个月，英国140年来第一家银行挤兑的全部情况尚未揭晓。在抵押银行首席执行官亚当·苹果加斯（Adam Applegarth）和其董事长马特·里德利（Matt Ridley）试图说服一个怀疑的议会委员会调查惨败之后，人们本周几乎没有什么明智的选择。他们解释说，英国增长最快的抵押银行的商业模式主要是通过批发市场而不是零售存款来为其贷款簿提供资金，其自身一直是审慎的，仅因美国草率的贷款导致这些市场抢占先机而脱轨。在八月。但是，他们的北岩现在已被淘汰。在以降价购买这三个集团中，没有一个以理查德·布兰森爵士的维珍集团（Virgin Group）和两个私募股权公司Cerberus和J.C. Flowers为首的财团想要保留其名称。该银行目前有130亿英镑（合260亿美元）的公共资金维持生计，不排除再向英格兰银行讨债的可能性。正如北岩银行（Northern Rock）的老板们否认轻率一样，中央银行行长，金融服务管理局局长和财政大臣也坚称，他们也不对这一混乱负责。

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