Silicon Valley Bank and Signature Bank both collapsed within near days of each other,
硅谷银行和签字银行在几天内接连倒闭,
and now there's fears that more are gonna close.
人们现在担心会有更多的银行倒闭。
Silicon Valley Bank is a bank based in Silicon Valley, and they specialize in
硅谷银行是一家总部位于硅谷的银行,
working with venture capital companies and a lot of tech companies in the area.
他们专门与该地区的风险投资公司和许多科技公司合作。
It's a smaller bank.
这是一家较小的银行。
And for banks at the basic level, if we all want our deposits at the same time,
对于普通的银行来说,如果我们同时想取出存款,
that's really difficult because they're lending out some of that money at any given point.
会非常困难,因为银行在任何时间都会有一部分借出的钱。
So when a couple people say, I want my money, they should be able to give it to them without an issue.
所以当几个人说,我想要取回钱时,银行应该能毫不犹豫地把钱给他们。
But again, when everyone starts coming in and saying, I need it, they can't guarantee that.
但当每个人都开始说,我要取钱,银行就不能保证了。
And that's what we saw happening with Silicon Valley Bank.
这就是硅谷银行的情况。
When one domino falls in the banking industry, it doesn't just fall alone.
当一块多米诺骨牌在银行业倒下时,它不仅是独自倒下的。
It raises fear and there's this whole contagion effect that could happen,
这引发了恐惧,可能会发生整个传染效应,
which is what we're seeing right now.
这就是我们现在看到的。
Signature Bank, the other one that failed after Silicon Valley Bank,
签字银行是紧接在硅谷银行之后倒闭的另一家银行,
they blamed them and they said if that didn't happen, it's unlikely that they would've collapsed.
他们指责硅谷银行说,如果没有发生这种情况,签字银行就不会倒闭。
So regional banks, you know, I wouldn't say that all of them are in bad circumstances right now.
所以地区银行,我无法说它们现在都处于糟糕的环境中。
But I think people should really take a good hard look at, is there money insured
但我认为人们真的应该仔细看看,资金是否有保险,
and kind of do their homework on where their bank was standing before this crisis.
并做一些功课,了解他们的银行在这场危机前的状况如何。
The Federal Deposit Insurance Corporation, a branch of the government
联邦存款保险公司,
that was made actually after the Great Depression to kind of restore confidence in the banking system,
实际上是政府在大萧条之后建立的的一个分支,以恢复人们对银行系统的信心,
they're working on behalf of depositors to get as much money as possible
他们代表储户,为取不出钱的人
to people who weren't able to take it out in time.
争取尽可能多的钱。
But I think there's also gonna be discussions of changing banking regulations.
但我认为还会出现改变银行监管规定的讨论。
Under the Trump administration, some regulations were loosened
特朗普在任时的政府放松了一些监管,
and now there's calls to tighten again,
现在有人呼吁再次收紧,
going back to kind of these '08 standards where banks were put on a much tighter leash.
回到2008年的标准,那时银行受到的约束更严格。