Obviously, this is wrong. Having deposit insurance companies does not eliminate the possibility of bank panic. There are various reasons for panic. It can only be said that once there is panic, there will be some protection. For example, if you buy auto insurance, you won't have an accident. How can there be such logic? Moreover, the discount interest rate means that the holder needs cash, requires the bank to cash in the unexpired bills, and the bank deducts interest first, which has nothing to do with bank panic, and there is no causal relationship.