"Wildcat Banking" 是美国19世纪中期的一个术语，特指那个时期的银行制度，当时许多州的银行几乎不受到州政府的监管。这些银行发行的纸币（银行券）的价值，往往由其后背的资产（如黄金和银子）支撑，但是由于缺乏适当的监管，这些银行可能持有的资产并不足以支撑其发行的纸币。"Wildcat" 这个词在此被用作形容词，形容那些位于偏远地区的、几乎无法到达的银行，因为这样的位置使得人们难以兑换或验证他们持有的银行券的真实价值。

这就好比一家位于深山老林的商店，它发行自己的礼品卡，但当你想去消费或验证这些礼品卡的时候，你会发现到那家商店非常麻烦。而且，由于缺乏监管，这家商店可能随时关闭，导致你手中的礼品卡变得一文不值。

Wildcat banking在金融百科Investopedia给出的英文释义如下：

Wildcat banking refers to the banking industry in parts of the United States from 1837 to 1865, when banks were established in remote and inaccessible locations. During this period, banks were chartered by state law without any federal oversight. Less stringent regulations on the banking industry at the time led to this period, also being referred to as the Free Banking Era.

至于中文，"Wildcat Banking" 并没有一个固定或广泛认可的译名，但可以将其翻译为“野猫银行制度”或“无监管银行制度”。

具体使用场景可参考如下双语示例：

The 19th-century U.S. financial system was characterized by the phenomenon of wildcat banking, which led to economic volatility.

19世纪的美国金融体系以野猫银行制度为特点，这导致了经济的不稳定。

Due to the lack of regulation, wildcat banking allowed banks to issue their own notes, often backed by dubious assets.

由于缺乏监管，野猫银行制度允许银行发行自己的纸币，这些纸币往往由可疑的资产支持。

The failure of many wildcat banks led to widespread public distrust in the banking system.

许多野猫银行的失败导致公众普遍不信任银行系统。