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經濟大恐慌發生了
1857年8月24日
一場颶風猛烈衝擊著「中美洲號」(Central
America)，這艘船載運著許多乘客以及大批從加州來的黃金。這是1857年，美國的銀行需要這批黃金安全抵達終點。
美國銀行投資的生意都失敗了，美國人民的生計也因此受到極大的影響。投資客在股票市場與鐵道營運上損失慘重，無法償還他們的債務。土地投資客本來想要趁著新建的鐵道路線賺大錢，但是現在也損失了大把鈔票。人們擔心國家財政因此會崩潰。他們跑到銀行把存款都提出來，但是銀行卻停止支付紙幣。他們現在只交易銀子和金子。
A violent hurricane lashed at the Central America, a sailing vessel carrying passengers and a huge shipment of gold from California. The year was 1857, and U.S. banks needed that gold to reach its destination safely.
The banks had invested in businesses that were failing, and this was causing the American people to panic. Investors were losing heavily in the stock market and railroads were unable to pay their debts. Land speculators who had counted on the construction of new railroad routes were losing money. People feared financial ruin. They ran to the banks to withdraw their money, but the banks did not deal in paper money. They used silver and gold.
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