{"id":33545,"date":"2023-03-13T18:12:18","date_gmt":"2023-03-13T22:12:18","guid":{"rendered":"https:\/\/glg.tempsite.space\/articles\/what-happened-to-silicon-bank\/"},"modified":"2025-03-18T11:17:10","modified_gmt":"2025-03-18T15:17:10","slug":"what-happened-to-silicon-bank","status":"publish","type":"insight-article","link":"https:\/\/glginsights.com\/zh-hans\/articles\/what-happened-to-silicon-bank\/","title":{"rendered":"\u7845\u8c37\u94f6\u884c\u53d1\u751f\u4e86\u4ec0\u4e48\uff1f"},"content":{"rendered":"<p>[<em>\u7f16\u8005\u6ce8\uff1a\u672c\u6b21\u7535\u8bdd\u4f1a\u8bae\u4e8e 3 \u6708 10 \u65e5\u661f\u671f\u4e94\u4e3e\u884c\uff0c\u8ddd\u79bb\u7845\u8c37\u94f6\u884c\u5173\u95ed<\/em>\u7684\u6d88\u606f\u516c\u5e03\u540e\u4ec5\u51e0\u4e2a\u5c0f\u65f6]<\/p>\n<p>3 \u6708 10 \u65e5\uff0c\u7845\u8c37\u94f6\u884c (SVB) \u5012\u95ed\uff0c\u7531\u8054\u90a6\u76d1\u7ba1\u673a\u6784\u63a5\u7ba1\u3002 SVB 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\u6211\u8ba4\u4e3a\u8fd9\u4e9b\u94f6\u884c\u786e\u5b9e\u4e0d\u4f1a\u9047\u5230\u8fd9\u79cd\u95ee\u9898\uff0c\u4f46\u5982\u679c\u60a8\u60f3\u8003\u8651\u8fd9\u79cd\u98ce\u9669\u4ee5\u53ca\u5b83\u5982\u4f55\u6f14\u53d8\uff0c\u90a3\u5c31\u662f\u53e6\u5916\u4e00\u56de\u4e8b\u4e86\u3002<\/p>\n<p>\u53e6\u5916\u8fd8\u9700\u8981\u5173\u6ce8\u62e5\u6709\u5927\u91cf\u7ecf\u7eaa\u4eba\u5b9a\u671f\u5b58\u6b3e\u7684\u94f6\u884c\u3002 \u6211\u9884\u8ba1\uff0c\u5728\u8fd9\u6b21\u4e8b\u4ef6\u4e4b\u540e\uff0c\u76d1\u7ba1\u673a\u6784\u5c06\u975e\u5e38\u5173\u6ce8\u94f6\u884c\u7684\u6d41\u52a8\u6027\u548c\u68c0\u67e5\u60c5\u51b5\u3002\u5bf9\u4e8e\u90a3\u4e9b\u76d1\u7ba1\u673a\u6784\u53d1\u73b0\u5176\u6d41\u52a8\u6027\u4e0d\u8db3\u6216\u5728\u8fd9\u4e2a\u5b63\u5ea6\u53ef\u80fd\u4f1a\u4e0d\u8db3\u7684\u94f6\u884c\uff0c\u76d1\u7ba1\u673a\u6784\u4f1a\u81f4\u7535\u5e76\u7763\u4fc3\u4ed6\u4eec\u89e3\u51b3\u6d41\u52a8\u6027\u95ee\u9898\u6216\u7b79\u96c6\u65b0\u8d44\u672c\uff0c\u6216\u8005\u53cc\u7ba1\u9f50\u4e0b\u3002<\/p>\n<h2><strong>Stephen Curry \u7b80\u4ecb<\/strong><\/h2>\n<p>Stephen Curry \u4e3a\u56fd\u5bb6\u548c\u5730\u533a\u94f6\u884c\u3001\u91d1\u878d\u670d\u52a1\u516c\u53f8\u3001\u521d\u521b\u4f01\u4e1a\u548c\u79c1\u4eba\u6295\u8d44\u8005\u56e2\u4f53\u7684\u7ba1\u7406\u56e2\u961f\u548c\u8463\u4e8b\u4f1a\u63d0\u4f9b\u54a8\u8be2\u670d\u52a1\u8d85\u8fc7 15 \u5e74\u3002<\/p>\n<h2><strong>\u7535\u8bdd\u4f1a\u8bae\u671f\u95f4\u63d0\u51fa\u7684\u95ee\u9898<\/strong><\/h2>\n<ul>\n<li>\u60a8\u80fd\u5426\u5148\u5411\u6211\u4eec\u4ecb\u7ecd\u4e00\u4e0b\u8fc7\u53bb 24 \u5c0f\u65f6\u5185\u53d1\u751f\u4e86\u4ec0\u4e48\u4ee5\u53ca\u76ee\u524d\u7684\u5f62\u52bf\u8fdb\u5c55\uff1f<\/li>\n<li>\u76d1\u7ba1\u673a\u6784\u5173\u505c\u4e0e\u5f7b\u5e95\u5012\u95ed\u6709\u4ec0\u4e48\u533a\u522b\uff1f \u7845\u8c37\u94f6\u884c\u662f\u5426\u6709\u673a\u4f1a\u6062\u590d\u8425\u8fd0\uff1f<\/li>\n<li>\u5728\u7834\u4ea7\u7ba1\u7406\u7a0b\u5e8f\u4e2d\uff0c\u94f6\u884c\u6301\u6709\u7684\u4f01\u4e1a\u5ba2\u6237\u8d44\u4ea7\uff08\u5982\u77ed\u671f\u56fd\u503a\uff09\u5c06\u5982\u4f55\u5904\u7406\uff1f \u8fd9\u4e9b\u4f01\u4e1a\u5ba2\u6237\u80fd\u591f\u63d0\u53d6\u8fd9\u4e9b\u8d44\u4ea7\u5417\uff1f\u8fd8\u662f\u4f1a\u88ab\u5f53\u505a\u65e0\u4fdd\u9669\u5b58\u6b3e\u5904\u7406\uff1f<\/li>\n<li>\u5f53\u6211\u4eec\u601d\u8003\u98ce\u9669\u6295\u8d44\u9886\u57df\u4ee5\u53ca\u7845\u8c37\u94f6\u884c\u6240\u6301\u6709\u7684\u8d44\u672c\u91cf\u65f6\uff0c\u4ece\u60a8\u7684\u89d2\u5ea6\u6765\u770b\uff0c\u6211\u77e5\u9053\u8fd9\u662f\u5927\u5bb6\u90fd\u5173\u5fc3\u7684\u95ee\u9898\uff0c\u60a8\u5728\u4ecb\u7ecd\u4e2d\u5df2\u7ecf\u63d0\u5230\u4e86\uff0c\u60a8\u8ba4\u4e3a\u54ea\u4e9b\u94f6\u884c\u6709\u53ef\u80fd\u4ece\u8fd9\u4e9b\u989d\u5916\u63d0\u53d6\u7684\u73b0\u91d1\u4e2d\u83b7\u76ca\u5462\uff1f<\/li>\n<li>\u8fd9\u4e2a\u8fc7\u7a0b\u53ef\u80fd\u662f\u4ec0\u4e48\u6837\u7684\uff1f \u8fd9\u4e00\u5207\u80fd\u591a\u5feb\u53d1\u6325\u4f5c\u7528\uff1f<\/li>\n<li>\u4ece\u67d0\u79cd\u610f\u4e49\u4e0a\u8bf4\uff0c\u83b7\u5f97\u5e2e\u52a9\u4e4b\u540e\uff0c\u662f\u53ea\u6709 SVB \u4ecd\u4f1a\u9762\u4e34\u7c7b\u4f3c\u7684\u6f5c\u5728\u540e\u679c\uff0c\u8fd8\u662f\u5176\u4ed6\u7c7b\u4f3c\u94f6\u884c\u4e5f\u53ef\u80fd\u9677\u5165\u8fd9\u79cd\u98ce\u9669\uff1f<\/li>\n<li>\u5728\u8fd9\u4e00\u70b9\u4e0a\uff0c\u6211\u4eec\u6700\u5e94\u8be5\u5bc6\u5207\u5173\u6ce8\u7684\u6307\u6807\u6216\u5371\u9669\u4fe1\u53f7\u662f\u4ec0\u4e48\uff0c\u662f\u4e0e\u66f4\u5e7f\u6cdb\u7684\u8513\u5ef6\u98ce\u9669\u6709\u5173\uff0c\u8fd8\u662f\u4e0e SVB \u503a\u6743\u4eba\u53ef\u80fd\u66f4\u957f\u7684\u5468\u8f6c\u65f6\u95f4\u6709\u5173\uff1f\u65e0\u4fdd\u9669\u5b58\u6b3e\u7684\u4f18\u5148\u652f\u4ed8\u662f\u4ec0\u4e48\uff1f\u6216\u8005\u65e0\u4fdd\u9669\u5b58\u6b3e\u4e0e FHLB \u9884\u4ed8\u6b3e\u76f8\u6bd4\uff0c\u54ea\u4e00\u79cd\u4f18\u5148\u652f\u4ed8\uff1f<\/li>\n<li>\u5982\u679c\u4e00\u5bb6\u516c\u53f8\u4e0d\u5e78\u5c06\u5927\u90e8\u5206\u8d44\u91d1\u90fd\u6295\u5230 SVB\uff0c\u60a8\u80fd\u8c08\u8c08\u4ed6\u4eec\u5e94\u5bf9\u5f53\u524d\u60c5\u51b5\u7684\u5bf9\u7b56\u548c\u529e\u6cd5\u5417\uff1f \u7f8e\u8054\u50a8\u80fd\u5426\u4ecb\u5165\uff0c\u7528\u90e8\u5206\u8bc1\u5238\u4f5c\u4e3a\u62b5\u62bc\u54c1\u4e3a\u7845\u8c37\u94f6\u884c\u63d0\u4f9b\u6d41\u52a8\u6027\uff1f<\/li>\n<li>\u76d1\u7ba1\u673a\u6784\u7ed9\u4e88\u8d85\u5927\u578b\u94f6\u884c\u8c41\u514d\u4ee5\u907f\u514d\u5b58\u6b3e\u4e0a\u9650\u9650\u5236\u7684\u53ef\u80fd\u6027\u6709\u591a\u5927\uff0c\u60a8\u5bf9\u6b64\u6709\u4f55\u770b\u6cd5\uff1f<\/li>\n<li>\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u54ea\u4e2a\u76d1\u7ba1\u673a\u6784\u62e5\u6709\u6700\u7ec8\u63a7\u5236\u6743\uff1f FDIC \u8fd8\u662f\u52a0\u5dde\u94f6\u884c\u4e1a\u76d1\u7ba1\u673a\u6784\uff1f<\/li>\n<li>\u60a8\u603b\u4f53\u5982\u4f55\u770b\u5f85\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\u8513\u5ef6\u5230 SVB \u4e4b\u5916\u7684\u98ce\u9669\uff1f<\/li>\n<li>FDIC \u6388\u4e88\u50a8\u6237\u7684\u7834\u4ea7\u7ba1\u7406\u8bc1\u4e66\u662f\u5426\u4f1a\u88ab\u5176\u4ed6\u94f6\u884c\u63a5\u53d7\u4f5c\u4e3a\u62b5\u62bc\u54c1\u4ee5\u83b7\u5f97\u4e00\u4e9b\u4e34\u65f6\u6d41\u52a8\u6027\uff1f<\/li>\n<li>\u60a8\u5bf9\u7b2c\u4e00\u4fe1\u6258\u94f6\u884c\u53ca\u5176\u4e1a\u52a1\u7684\u719f\u6089\u7a0b\u5ea6\u5982\u4f55\uff0c\u5b83\u4e0e\u7845\u8c37\u94f6\u884c\u6709\u591a\u76f8\u4f3c\uff1f<\/li>\n<li>\u5982\u679c\u53d1\u751f\u8fd9\u6837\u7684\u4e8b\u60c5\uff0c\u7845\u8c37\u94f6\u884c\u662f\u5426\u7b26\u5408\u6d41\u52a8\u6027\u8981\u6c42\uff1f<\/li>\n<li>\u53e6\u4e00\u4e2a\u5173\u4e8e\u91d1\u878d\u79d1\u6280\u516c\u53f8\u4f7f\u7528\u7845\u8c37\u94f6\u884c\u4f5c\u4e3a\u652f\u4ed8\u901a\u9053\u7684\u95ee\u9898\u3002 \u8fd9\u4e9b\u4f01\u4e1a\u662f\u5426\u4f1a\u9762\u4e34\u4e0e\u4e1a\u52a1\u8fde\u7eed\u6027\u548c\u6f5c\u5728\u635f\u5931\u76f8\u5173\u7684\u98ce\u9669\uff1f<\/li>\n<li>SVB \u5982\u4f55\u5c06\u5176 50% 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