社评 0314 拜登总统出面拯救矽谷银行

拜登总统出面拯救矽谷银行

拜登总统今晨发表声明表示， 美国人民和美国企业可以放心，他们的银行存款会在他们需要的时候出现 。我坚定承诺要让那些应该对这塲混乱负责的人承担全部责任，并继续努力加强对大型银行的监督和监管，这样我们就不会再次䧟入这种境地。

除了矽谷银行之外， 美国监管金融机构周日也再度控制了第二家签署银行服务，以防止溢出效应， 并对未保险存款之公司𠆤人提供支持， 官员们认為这是一个系统性之风险 ，美联储和财政部还利用紧急贷款授权建立一个新的融资机制， 以帮助满足提款需要。

这是2008 年金融危机以来美国银行规模最大的倒闭事件，政府对每个存款人有25 万元之保証， 至少存款高於此数字者必须到银行资產被拍卖后才能分到餘额。

我们乐见政府在最短时期内对这二家银行进行接管和整顿， 由于矽谷银行多年来是科技公司和风投之重要参舆者， 其业务遍及全球， 其影响是十分巨大 。

一般认為， 虽然矽谷银行之倒闭还是在可预控之中， 但是将对一些存有巨款之科技新创企业会面临现金流短缺困境而破產。

President Biden Assures Us That Our Banking System Is Safe

President Biden assured the nation Monday that, “The banking system is safe,” following the collapse of the Silicon Valley Bank last weekend and the closing of the Signature Bank in New York on Sunday. Biden said at the White House that, “Your deposits in the Silicon Valley Bank will be protected." SVB provided banking services to nearly half of the country’s venture capital-backed technology and life science companies that included more than 2,500 venture capital firms. 

Over the past week Silicon Valley Bank was trying to find a buyer, but it failed when the federal government took over and put about $175 billion in customer deposits under the FDIC ‘s control.

President Biden tried to distinguish these moves to prevent more bank runs like those taken during the 2008 financial crisis. Biden said no losses will be borne by the taxpayers, but he also pointed out that the investors in the banks will not be protected. 

This is the time we all hope that the banking problems will be solved soon to help keep our economy strong.