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Bloomberg-硅谷银行只是冰山一角,华尔街质疑新危机到来-20230310PDF

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文本描述
Silvergate, Silicon Valley Bank Fallout
Sparks Wall Street Fears of Crisis
/s
bloomberg/news/articles/2023-03-10/one-bank-folds-another-wobbles-and-
wall-street-asks-if-it-s-a-crisis
One Bank Folds, Another Wobbles and Wall
Street Asks If It’s a Crisis
一家银行倒闭,另一家摇摆不定,华尔街质疑这是
否是一场危机
More lenders are struggling to keep deposits
from fleeing 更多的银行正在努力防止存款外

‘Silicon Valley Bank is just the tip of the
iceberg’ “硅谷银行只是冰山一角”
精选研报纪要杂志+V入群:up0668899 Silicon Valley Bank headquarters in Santa Clara,
California.
加州圣克拉拉的硅谷银行总部。
Photographer: David Paul Morris/Bloomberg 摄影:
David Paul Morris/彭博社
2023年3月10日 GMT+8 上午10:22
Silvergate Capital Corp.’s abrupt shutdown and
SVB Financial Group’s hasty fundraising have
sent US bank stocks diving and tongues wagging
across the industry: Could this be the start of a
much bigger problem?
Silvergate Capital Corp 的突然关门以及 SVB
Financial Group 的仓促融资,使得美国银行类股
纷纷下跌,整个行业议论纷纷: 这会不会是一个更
大问题的开端?
精选研报纪要杂志+V入群:up0668899The issue at both of the once-highflying
California lenders was an unusually fickle base of
depositors who yanked money quickly. But
below that is a crack reaching across finance:
Rising interest rates have left banks laden with
low-interest bonds that can’t be sold in a hurry
without losses. So if too many customers tap
their deposits at once, it risks a vicious cycle.
这两家曾经风光无限的加利福尼亚银行的问题在
于,它们的存款基础异常反复无常,而且迅速撤
资。但在这之下是一条贯穿整个金融业的裂缝: 不
断上升的利率让银行背负了大量低息债券,这些
债券不能在匆忙之中出售,否则就会遭受损失。
因此,如果有太多的客户同时动用他们的存款,
就会面临恶性循环的风险。
Across the investing world, “people are asking
who is the next one?” said Jens Nordvig, founder
of market analytics and data intelligence
companies Exante Data and Market Reader. “I
am getting lots of questions about this from my
clients.”
在整个投资界,“人们都在问谁是下一个?”市场分
析和数据情报公司 Exante Data 和 Market
Reader 的创始人延斯o诺德维格(Jens Nordvig)表
示。“我的客户对此提出了很多问题。”
精选研报纪要杂志+V入群:up0668899Indeed, amid deposit withdrawals at SVB, its
chief executive officer urged customers on
Thursday to “stay calm.”
事实上,在 SVB 提取存款的过程中,其首席执行
官周四敦促客户“保持冷静”
The immediate risk for many banks may not be
existential, according to analysts, but it could
still be painful. Rather than facing a major run
on deposits, banks will be forced to compete
harder for them by offering higher interest
payments to savers. That would erode what
banks earn on lending, slashing earnings.
分析师表示,对许多银行来说,眼前的风险可能
不是生死攸关的,但仍可能是痛苦的。银行不会
面临存款的大规模挤兑,而是将被迫通过向储户
支付更高的利息来更加激烈地争夺存款。这将侵
蚀银行的贷款收入,削减收益。
Small- and mid-sized banks, where funding is
usually less diversified, may come under
particular pressure, forcing them to sell more
stock and dilute current investors.
中小型银行的融资通常不那么多样化,它们可能
面临特别大的压力,迫使它们出售更多股票,稀
释现有投资者的权益。
‘Terrible Kicking’
精选研报纪要杂志+V入群:up0668899“可怕的踢”
“Silicon Valley Bank is just the tip of the
iceberg,” said Christopher Whalen, chairman of
Whalen Global Advisors, a financial consulting
firm. “I’m not worried about the big guys but a
lot of the small guys are going to take a terrible
kicking,” he said. “Many of them will have to
raise equity.”
“硅谷银行只是冰山一角,”金融咨询公司 Whalen
Global Advisors 董事长克里斯托弗o惠伦
(Christopher Whalen)表示。“我不担心那些大个
子,但是很多小个子会被踢得很惨,”他说。“其中
许多公司将不得不进行股权融资。”
Every bank in the S&P 500 Financials Index
tracking major US firms slumped on Thursday,
taking the benchmark down 4.1% — its worst day
since mid-2020. Santa Clara-based SVB tumbled
60%, while First Republic Bank in San Francisco
fell 17%.
追踪美国主要公司的标准普尔500金融股指数(S &
P 500 Financial Index)中的所有银行股周四全线
下挫,导致该指数下跌4.1% ,为2020年年中以来
最大单日跌幅。总部位于圣克拉拉的 SVB 下跌
60% ,而旧金山的第一共和银行(First Republic
Bank)下跌17% 。
精选研报纪要杂志+V入群:up0668899