在美国各地,数百家小型和地区性银行感到压力巨大,可能面临倒闭风险｡在 klaros 集团分析的约 4000 家美国银行中,有 282 家银行面临着商业房地产风险敞口和利率上升带来的潜在损失所带来的压力｡大多数面临风险的银行被归类为小型银行或社区银行｡虽然与大银行相比,社区银行和地区银行的系统性风险较小,但它们是当地企业和政府的重要信贷来源｡"美国联邦存款保险公司前主席希拉-贝尔(sheila bair)告诉 CNBC:"毫无疑问,我认为将会有更多的银行倒闭｡
为何数百家美国银行面临倒闭风险?
Lppoqql
20小时前
One red flag is when banks start to cut their risk management units during end of cycle. Thats like firing your fire fighters just before a forest fire.
当银行开始在周期末削减风险管理部门时,就会出现红色星警报｡这就像在森林大火前解雇消防员一样｡
Paulm
22小时前
Fractional reserve banking. It's like we learned nothing during the last econmic collapse lol.
部分准备金银行制度,就像上次经济崩溃时我们什么都没学到一样,哈哈~~
Michaelm
11小时前
Fractional reserve banking isn't the problem. The risk management is.
问题不在于部分准备金制度,风险管理才是问题所在｡
Cancobb
4小时前
Well, the banking system has learned like a child that if they fail, daddy will just save them. Hopefully daddy doesn't put himself at risk to save his kids.
银行系统像孩子一样懂得,如果他们失败了,爸爸就会救他们｡希望爸爸不要为了救孩子而把自己置于危险之中｡
Alansmith
22小时前
The bigger megabanks like jp morgan will just swallow them up.that was the plan all along.and pay them $0 per share
像摩根大通这样的大型银行会直接吞并它们,这就是我们一直以来的计划｡并向他们支付每股 0 美元!
Fivergorums
14小时前
Now we know why they passed that bail in law 2 years ago! They knew this was coming and this time around they’re going to use your money to foot the bill! Keep some cash on hand. Things just might get crazy here soon
现在我们知道为什么他们两年前通过了《金融保释法》了!他们知道会发生这种事,这次他们会用你的钱来买单!手头要有现金｡这里可能很快就会变得疯狂!
Brownyman
23小时前
Moral hazard - when people know they are insulated from the consequences of their mistakes they tend to keep making them.
道德风险——当人们知道自己不会受到错误后果的影响时,他们倾向于继续犯错｡
Guilhermesavoya
20小时前
Instead of bailing out the banks, couldn't they just be nationalized? I understand that the government may have to take the weight to prevent economic collapse, but why does it need to give the money to the very people that caused the problem? If the argument is that it must save the service, then save the service, not the owners. Basically, why not just save "The bank and the consumer" Instead of "The investors?"
与其拯救银行,难道不能将其国有化吗?我理解政府可能必须承担起防止经济崩溃的重任,但为什么要把钱交给造成问题的人?如果理由是必须拯救服务,那就拯救服务,而不是拯救所有者｡从根本上说,为什么不只救 "银行和消费者",而不是 "投资者"呢?
They could even make it temporary. Nationalize the failing bank without a dime for the investors (they would lose money anyway, this way they just don't gain anything extra), and then when it is stable again the government could privatize it to the highest bidder.
他们甚至可以把它变成临时性的｡将倒闭的银行国有化,不给投资者一毛钱(反正他们也会亏损,这样他们就不会有额外的收益了),然后等银行恢复稳定后,政府可以将其私有化,让出价最高的人去做｡
Roberth
21小时前
Why is it that us banking is a continuous dumpster fire?
为什么美国的银行业总是一团糟?
Shiftymcgee
23小时前
Not bailing out these banks will lead to an economic depression, but that’s what the world needs otherwise nothing will change. Banks will just take more risks and consolidate further.
不救助这些银行将导致经济萧条,但这正是世界所需要的,否则一切都不会改变｡银行只会冒更大的风险,进一步整合｡
Bpexodus
23小时前
Here comes "Too big to fail" Part 2
接下来是《大到不能倒》第二部!
Paulutd
12小时前
The banking system is intertwined. One catches a cold and it spreads.
银行系统盘根错节,一个人感冒了,它就会蔓延｡
Greghelton
14小时前
For years banks have been paying less than a percent on the assets of depositors. They were raking it in. Now they are forced to pay higher rates and may go under, risking our assets.this is what happens when banks are deregulated. One just can’t trust businesses to do the right thing.
多年来,银行向储户支付的资产收益率一直低于 1%｡它们赚得盆满钵满｡现在,它们被迫支付更高的利率,并可能倒闭,使我们的资产面临风险｡这就是放松对银行监管的后果,人们就是无法相信企业会做正确的事｡
Willw7743
10小时前
But but capitalism! It’s going to take us longer than we’d like to learn our lessons and we may never learn them because there’s a lot of power and money stopping it.
但是,但是资本主义!我们要花比我们希望的更长的时间来吸取教训,而且我们可能永远也学不会,因为有很多权力和金钱在阻止我们｡
Tupactargaryen
22小时前
The average working class joe never gets bailed out.
普通工薪阶层从未得到过救助｡
Marcuscook
20小时前
If we want to prevent another giant debt bubble like we have now in the future, nobody can get a bailout. Nobody should be too big to fail.
如果我们想防止未来再次出现像现在这样的巨大债务泡沫,任何人都不能获得救助｡没有人应该大到不能倒｡
Birdraisere
22小时前
Wow, it's real estate related?Is there a single major problem in this country that isn't ultimately caused by inept land management?
哇,跟房地产有关?在这个国家里,有哪一个重大问题最终不是由无能的土地管理造成的?
Mdaaaa
8小时前
It's just a matter of time. It all will come down burning. The real issue is that people are broke, stagnant wages. Americans maxed out when it comes to borrowing and spending money they don't have...
这只是时间问题｡一切都会化为灰烬｡真正的问题是人们破产了,工资停滞不前｡美国人在借钱和花钱方面已经到了极限......
Xxgoodnevil
23小时前
That's what they want! We live in a capitalist society, like monopoly the game
这就是他们想要的!我们生活在资本主义社会,就像大富翁游戏一样｡
Tomhyde
16小时前
I got out of banking last year after 12 years. I feel like the writing’s on the wall and it’s just a matter of time before clerks and loan officers are replaced by atms and ai
去年,我离开了工作了 12 年的银行｡我觉得银行业已经大势所趋,ATM和人工智能迟早会取代银行职员和贷款专员｡
Reddevil
21小时前
12 years ago, i remember seeing some old dude calling it out on tv. That western economy has its ups and downs, that's normal. But when you should start getting scared as it starts to doing it to often and to fast in a short period of time . Like towing car that start to rock before you know it you crashed.
12 年前,我记得我在电视上看到一个老家伙在叫嚣｡西方经济时好时坏,这很正常｡但当它开始在短时间内频繁､快速地出现起伏时,你就应该开始害怕了｡就像拖车开始摇晃,你还没反应过来就撞车了｡
Adrianteri
9小时前
Aren't all deposits insured by the fdic after the whole silicon valley bank fiasco?
在硅谷银行惨败之后,所有存款不是都由联邦存款保险公司(fdic)提供保险吗?
Planet
3小时前
Nearly 5000 banks are in the us and only hundreds are struggling…Sounds like a controlled demolition to me
美国有近 5000 家银行,只有数百家在苦苦挣扎......在我看来,这就像是一场有控制的拆除行动!
Tomtomtombossa
22小时前
Wall street try to paint it as all well and good and stock market skyrocketing every month. The consumer is overstretched and will pop any day. Starbucks earning shows how consumer behavior and spending is changing . 5 % decrease over a year is a lot
华尔街试图把这一切描绘成美好的景象,股市每月都在暴涨｡消费者已经捉襟见肘,随时都会爆发｡星巴克的收入表明消费者的行为和消费正在发生变化,一年减少 5% 已是很大的数字了!
Troyhanson-ch6nm
18小时前
Do you believe a 5% figure ? No way its more like 25% guaranteed
你相信 5%这个数字吗?不可能,我保证它更像是 25%!
Lamarpassmore
23小时前
Ask - why america funding other countries that fails banks in america?
请问--为什么美国要资助其他国家,而美国的银行却倒闭了?
Doolittlegeorge
19小时前
"Too big to fail" Or when every bank is systemically important causes problems with massive banks who have no idea to whom or even what they are lending to not small banks that know their customers. The fact remains if bank america fails (again) there simply is not enough money in the world to bail out that bank.
"大到不能倒"或当每家银行都具有系统重要性时,就会产生问题,因为大型银行不知道它们在向谁甚至向什么人贷款,而小型银行则了解自己的客户｡事实上,如果美国银行再次倒闭,世界上根本没有足够的资金来拯救这家银行｡
Expensivepizza
14小时前
Too big to fail really means... We can print money to bail them out.
大到不能倒的真正含义是......我们可以印钞票来拯救他们｡
Syifa_l
16小时前
As an indonesian, i trust chinese banks more than european banks
作为印尼人,我更信任中国的银行而不是欧洲的银行!
Ducksdman
20小时前
Having a system be based on growth, i.e the stock market, is impossible. Every investor wants to see yoy growth. However if you have crazy growth during low interest times there is no way you can beat that in the future when rates goes up because you can’t “borrow” From the future for growth now.
让一个系统(即股市)以增长为基础是不可能的｡每个投资者都希望看到同比增长｡然而,如果你在低利率时期取得了疯狂的增长,那么在未来利率上升时,你就不可能超越这种增长,因为你现在无法从未来 "借入"增长｡这就是美联储通过降低利率刺激经济的本质｡
Grantdwilliams
22小时前(修改过)
All these talking head "Experts" Telling us that these small banks aren't systemically important, and so if some fail they won't need bailouts. Well, republic first of philadelphia failed this weekend, and the fdic made all of its depositors whole. Even those above the $250k "Cap."
所有这些高谈阔论的 "专家"都在告诉我们,这些小银行并不具有系统重要性,因此如果其中一些银行倒闭,它们也不需要救助｡本周末,费城第一共和银行倒闭了,联邦存款保险公司(fdic)向所有储户提供了赔偿,甚至是那些超过25万美元 "上限"的储户｡
Why'd they do that? Republic first was only ~1% the size of the systemically important banks that failed last spring (svb, signature). Why'd it need to make all of rf's depositors whole if this tiny bank wasn't also systemic? Answer: It was systemic.
他们为什么这么做?费城第一共和银行的规模只有去年春天倒闭的系统重要性银行(硅谷银行､签名银行)的 1%｡如果这家小银行不具有系统重要性,为什么还要让所有的费城第一共和银行储户都得到补偿?答案是:它是系统性的｡
That's how stretched the rubber band is right now. Even a tiny local bank failing could set off a conflagration. What would the local millionaire or small business - in every city and town across the country - have been thinking this week if they had seen that rf's large depositors only got $250k worth of fdic compensation?
这就是现在橡皮筋的拉伸程度,即使是一家小小的地方银行倒闭也会引发一场大火｡本周,如果全国各个城镇的当地百万富翁或小企业,看到费城第一共和银行的大额储户只获得了价值 25 万美元的联邦存款保险公司补偿,他们会怎么想呢?
Merosk
12小时前
Withdraw now before they bank run!!!
在他们挤兑银行之前,马上提款!
Mikezerker
22小时前
A single bank failure alone may not hurt the economy, but when it happens there is mass panic so that people start pulling money out of other banks causing a domino effect leading to drops in the stock market and a widespread downturn.
单单一家银行倒闭可能不会对经济造成伤害,但一旦发生,就会引发大规模恐慌,人们开始从其他银行撤资,从而造成多米诺骨牌效应,导致股市下跌,经济普遍下滑｡
Frenchfryin
7小时前
In a nutshell, this is signs of another economic crisis
一言以蔽之,这是另一场经济危机的征兆! |
