Set up in the depression year of 1933, the FDIC was created by the U.S. government and the Federal Reserve Bank against a backdrop of financial ruin, in which banks were collapsing at a rate of 2200 a year.
美國的聯邦存款保險公司成立於一九三三年，當時，正值經濟大恐慌時期。在三○年到三三年之間，每年倒閉的銀行數平均高達二千二百多家，整個金融制度幾乎崩潰。