Yellen says no federal bailout for Silicon Valley Bank

美国财长耶伦称联邦政府不会救助硅谷银行

NEW YORK (AP) — The U.S. government took extraordinary steps Sunday to stop a potential banking crisis after the historic failure of Silicon Valley Bank, assuring all depositors at the failed institution that they could access all their money quickly, even as another major bank was shut down.

The announcement came amid fears that the factors that caused the Santa Clara, California-based bank to fail could spread. Regulators had worked all weekend to try to find a buyer for the bank, which was the second-largest bank failure in history. Those efforts appeared to have failed Sunday.

In a sign of how fast the financial bleeding was occurring, regulators announced that New York-based Signature Bank had also failed and was being seized on Sunday. At more than $110 billion in assets, Signature Bank is the third-largest bank failure in U.S. history.

纽约（美联社）在硅谷银行历史性破产后，美国政府采取了非同寻常的措施，阻止了潜在的银行业危机，向破产机构的所有储户保证，即使另一家大型银行倒闭，他们也能迅速拿回所有存款。

在宣布这一消息之际，人们担心导致这家总部位于加利福尼亚州圣克拉拉的银行倒闭的因素可能会蔓延。监管机构整个周末都在努力为这家银行寻找买家，这是历史上第二大银行破产。3月12日，这些努力似乎失败了。

监管机构宣布，总部位于纽约的签名银行（Signature Bank）也已破产，并将于周日被查封，这表明金融出血的速度有多快。签名银行的资产超过1100亿美元，是美国历史上第三大银行破产。

以下是美国reddit网友的评论：

Rex_Mundi

The 3rd law of the sea is "Always abandon a lost cause".

“注定失败的东西要放弃”

NoWayNotThisAgain

This isn’t a lost cause. The bank has more assets than debts. The problem was just that they couldn’t sell them off fast enough.

Worst case scenario, billionaires have to wait a month or two for their money. I can live with that.

这不是注定失败的。这家银行的资产比债务多。问题是资产不能迅速变卖。最坏的情况是，亿万富翁必须等上一两个月才能拿到他们的钱。这我可以接受。

aguafiestas

The time for a potential 2008-style bailout of Silicon Valley Bank in the US is over. The bank's charter is revoked, the stock of the holding company has tanked, and the assets are being run by the FDIC. Essentially, the bank is gone.

It's not like 2008 when banks were given big loans to stay afloat. Wells Fargo, JP Morgan, Citi, etc are all still around. They got bailout money to pay their debts. They kept their assets. They eventually paid the money back. They are still operating as banks.

美国对硅谷银行进行2008年式纾困的时代已经结束。该银行的执照被撤销，控股公司的股票暴跌，资产由联邦存款保险公司管理。从本质上讲，银行已经没了。

这与2008年不同，当时银行获得大笔贷款以维持运营。富国银行、摩根大通、花旗等都还在。它们得到了救助资金来偿还债务，保留了自己的资产，最终把钱还了。它们仍在以银行的形式运营。

cobramullet16

Most of the money would be recovered with the sale of assets from the bank.

The big issue is time. Reviewing SVB accounts and assets and releasing funds is going to take time

大部分资金将通过出售银行资产来收回。最大的问题是时间。审查硅谷银行账户和资产并释放资金需要时间。

captainktainer

Thankfully the rest of the banking sector is well-capitalized and there's bridge loan financing available from the Big 4. Payroll may be delayed but I'd be surprised if workers had to wait longer than Wednesday. The inconvenience and cost is very real but it'll be okay.

值得庆幸的是，银行业的其他部门资本充足，而且可以从四大行获得过桥贷款融资。工资可能会延迟发放，但如果工人们不得不等周三以上，我会感到惊讶。不便和成本是真实存在的，但没关系。

anoff

I feel like the risk to startups being able to make payroll is a vastly overstated problem. There's probably a handful of companies right at that Goldilocks size where they some how don't qualify for other financing options, but most of these businesses are of the size where securing a line of credit is as simple as asking for one. Timing is problematic, it can take a few days, but I don't think we're going to see anything close to the doom-and-gloom worst case scenario of a bunch of business shuttering over it

我觉得创业公司无法支付工资的风险被严重夸大了。

可能有少数这样规模的公司在某种程度上不符合其他融资选择的条件，

但其中大多数企业的规模都符合获得信贷额度的要求。

可能需要一些时日，但我不认为我们会看到任何接近悲观的最坏情况：一堆企业倒闭

NonAggressive-Ask

Bailouts happen before a bank fails, not after the FDIC has already closed that bank down and taken possession of all it's assets.

救助应该在银行倒闭之前，而不是在联邦存款保险公司已经关闭银行并接管其所有资产之后。

uggyy

That ship sailed and sank.

You don't bail out a sunken ship.

船沉没了，没办法把沉船救起来。

Find_A_Reason

That and they have been very clear that the economy needs to lose a metric fuck ton of jobs and businesses to take on inflation.

他们非常清楚，需要失去大量的工作和企业来应对通货膨胀。

BuildMyRank

Moreover, the bank's assets are fairly high quality, so depositors can definitely get back anywhere between 85% to 90% once they have been fully liquidated.

该银行的资产质量相当高，因此一旦完全清算，储户肯定可以收回85%至90%的资产。

ntsp00

SVB President lobbied for reduced regulation that would have stress tested sharp interest rate increases that caused SVB's liquidity issues

硅谷银行总裁游说减少监管，监督能对硅谷银行流动性问题的急剧加息进行压力测试

zentropa24

The ask is about kee the businesses who deposited money into this bank afloat. They won’t make payroll. They also did nothing wrong.

No one wants to save the execs, shareholders, etc.

问题是如何让把钱存入这家银行的企业维持下去。他们发不出工资，他们也没做错什么。没有人想拯救高管、股东等等。

akmarinov

The bank doesn’t exst anymore, no one’s working there any longer

银行已经不存在了，没有人在那里工作了

BarCompetitive7220

FDIC has indicated that it will pay salaries for employees for 45 days.

联邦存款保险公司表示，它将为雇员支付45天的工资。

san_serifs

If both of us are being chased by an angry bear, I don't have to outrun the bear. I just have to outrun you.

如果我们俩都被一只愤怒的熊追赶，我不需要跑得比熊快。我只需要跑得比你快。

butter_lover

if the investors are hungry for restitution, the officers that sold stock ahead of the crash and warned no one are a great place to start legal action.

如果投资者渴望得到赔偿，那么在股市崩盘前抛售股票并没有向任何人发出警告的高管，是启动法律行动的好对象。

Cullen_Andamnson

The Gang Bails Out A Bank

黑帮为银行纾困

CYWON

The bailout isn't for the business of the bank, it's for the people who have money in it. In this case, it's not a huge deal, as the bank has a shit load in assets, and will likely be bought out. This is not like other big recent financial failures.

救助不是为了银行的业务，而是为了那些在银行里存了钱的人。

在这个案子中，这不是什么大问题，因为这家银行拥有大量资产，很可能会被收购。

这与近期其他重大金融失败不同。

Coraline1599

65,000 startups (about 50%) were using SVB.

I work at a startup and luckily we were not using SVB.

What SVB has done is put 65,000 businesses at risk for failure and all the employees will not get a paycheck for who knows how long. I am sure all the executives have golden parachutes and millions or billions in other assets. Their rankings on the top billionaires list might drop, but they will be fine. But what about all of the workers?

All the people in charge should be held responsible. All the yachts should be sold.

They should also be paying a lot more in taxes - because at this point the government is working like an insurance company to take on all the risk whenever these bankers fail. And every time they roll back a regulation (as SVB lobbied for and won) the tax rate should skyrocket because the likelihood of a government bailout just increased.

65000家初创公司(约50%)与硅谷银行业务往来。

我在一家初创公司工作，幸运的是我们没有使用硅谷银行。

硅谷银行让65000家企业面临倒闭的风险，所有员工都拿不到工资。

我相信所有的高管都有金降落伞和数百万或数十亿的其他资产。

他们在亿万富翁排行榜上的排名可能会下降，但他们会没事的。但是工人呢？

所有负责人都应该负责任，他们所有的游艇都应该卖掉。

他们还应该缴纳更多的税款——因为在这一点上，政府就像一家保险公司一样，在这些银行家破产时承担所有风险。

每次他们撤销一项规定(硅谷银行游说并赢得了胜利)，税率就会飙升，因为政府救助的可能性增加了。

SodaAnt

The bank will go broke. No one is suggesting making investors and stockholders of the bank whole, they're suggesting that the bank should be able to return everyone's deposits.

银行就要破产了。没有人建议让银行的投资者和股东一起负责，他们说银行应该能够返还所有人的存款。

GhostalMedia

No one is asking to bail the bank out. Fuck the bank.

They’re asking to save the depositors.

A quarter trillion in tech company runway and paychecks were saved there and was mostly uninsured. FDIC insurance is next to nothing for a company. It will save you enough cash for the pay and benefits for a receptionist.

A large part of an entire industry is about to start laying people off simply because they picked the wrong bank to store their money.

没有人要求救助这家银行。他们要求拯救存款人。

科技公司有万亿美元的资金和薪水存在那里，而且大部分都没有保险。

美国联邦存款保险公司的保险对一家公司来说几乎不算什么。

这会为你保障足够的钱来支付工资和福利。

整个行业的很大一部分人即将开始裁员，仅仅是因为他们存钱存错银行了

GrayBox1313

I’m not gonna root for workers to not get paychecks because their company had its money tied up in a failed bank.

工人们因为公司的钱被困在一家倒闭的银行而拿不到工资。

greatwock

It won’t be a “bailout”. This time it’ll be a “government intervention to prevent the spread of contagion throughout our 100% totally healthy financial system”. Move along citizens. Nothing to see here.

这不会是“救助”。这一次，将是“政府干预，以防止危机蔓延到我们100%完全健康的金融体系”。走吧，市民们，没什么好看的。

SassyMoron

There's no need for a bailout, because the FDIC stepped in in time. That's how the system works.

You could say "transportation secretary announces there will be no federal bailout for motorists car damaged in accident," too. The reason would be, because the DMV made the drivers get insurance in the first place.

不需要救助，因为联邦存款保险公司及时介入了。这就是系统的运作方式。

“交通部长宣布不会对在事故中损坏的汽车司机进行联邦救助”。原因可能是，因为车管所先让司机买了保险。

ManaPlox

The discussion is whether to do anything to backstop the people that had money in the bank. A lot of companies won't be able to make payroll or pay benefits for their employees if something doesn't get done. All those employees shouldn't go hungry just because their company happened to have their account at the wrong bank.

SVB wasn't wildly fraudulent or anything, they just didn't hedge their risk well

讨论的问题是，是否要采取措施来帮助那些在银行有存款的人。

否则，很多公司将无法为员工发放工资或福利。

这些员工都不应该因为他们的公司碰巧把他们的钱存错了银行而挨饿。

硅谷并没有疯狂欺诈，他们只是没有很好地对冲风险

Prod_Is_For_Testing

The federal government made a profit from the 2008 bailout

联邦政府从2008年的救助中获利

4h ag

Peter Thiel needs to be investigated. That's two banks (SVB and sovereign bank in NYC) he's involved in that get shut down

彼得·蒂尔需要接受调查。他参与的两家银行（硅谷银行和纽约的主权银行）都倒闭了

fastolfe00

Everyone's missing the point. Nobody cares about saving SVB. The problem is that there are hundreds of companies that have their cash locked up in their SVB accounts (well in excess of what FDIC will insure for) and can't pay their employees. That's what needs intervention.

大家都没抓住重点。没人关心拯救硅谷银行。问题是，有数百家公司的现金冻结在硅谷银行账户上，远远超过FDIC的保险范围，无法支付员工工资。这才是需要干预的。

cjgager

well - there are 724 billionaires in america - so SVB just needs to set up a GoFundMe & focus/market it to all those people - plenty of takers for sure!

美国有724个亿万富翁，所以硅谷银行只需要成立一个GoFundMe，并把它营销给所有这些人，肯定有很多人愿意接受

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