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1·The depositor's behavior is the key factor that causes the financial institution dealing with the deposit unstable in the panic theory. The financial risk contagiosity can't be ignored too.

金融机构恐慌理论认为存款人的行为是引起存款性金融机构不稳定的关键因素，金融机构危机所具有的传染性同样不可忽视。