Another key task of financial stability is to properly manage the crisis. In a word, “the achievement of financial stability…is now generally considered a public good.” As a consequence, keeping a stable financial order is crucial for the improvement of economy. 

Franklin R. Edwards considers that financial instruments such as banks have two fundamental characteristics which are take deposits and supply liquidity that mostly come from the savings for firms who need capital turnover at the same time. In case that a firm obtains a loan, while the firm suffers a serious operational error and finally it goes bankrupt, the firm will loss the payment ability and the loan cannot be repaid by the firm to the bank. Therefore, the possibility of losing their savings for depositors is notable. Especially in the extreme case that the bank declares insolvent, the depositors will undergo more serious losses. And then, most depositors are private investors and they are a disadvantage minority in the financial framework.