刚刚，美国财政部、美联储、FDIC联合发布重大声明（附全文）
在刚刚过去的周末发生了一起轰动全球的大事件：3月11日，美国前20大银行之一，拥有资产2000多亿美元的硅谷银行，突然宣布破产。这是自2008年金融危机以来，最大的一家银行倒闭事件。而整个轰然倒塌，仅仅发生在48小时之内。
随后，地震波及了美国股市。道指下跌345.22，标普500指数下跌56.73，科技股指纳斯达克指数下跌199.46。银行业。再然后，波及到欧洲和亚洲股市，甚至币圈。稳定币USDC和美元几乎脱钩。该事件已经引发全球关注，目前还在持续发酵。
硅谷银行于1983年在美国加利福尼亚州成立，主要为风投初创企业提供服务。凭借个性化的服务模式，硅谷银行40年来牢居科技和生命科学初创公司中最受欢迎的金融机构之一，这使其成为了美国第十八大银行，资产规模近2100亿美元。但由于“流动性不足和资不抵债”，硅谷银行在今年3月10日被美国加州金融保护和创新部门关闭，成为2008年金融危机后美国倒闭的规模最大的金融机构。
（来源：联合声明截图）
Joint Statement by the Department of the Treasury, Federal Reserve, and FDIC
WASHINGTON, DC -- The following statement was released by Secretary of the Treasury Janet L. Yellen, Federal Reserve Board Chair Jerome H. Powell, and FDIC Chairman Martin J. Gruenberg:
Today we are taking decisive actions to protect the U.S. economy by strengthening public confidence in our banking system. This step will ensure that the U.S. banking system continues to perform its vital roles of protecting deposits and providing access to credit to households and businesses in a manner that promotes strong and sustainable economic growth.
After receiving a recommendation from the boards of the FDIC and the Federal Reserve, and consulting with the President, Secretary Yellen approved actions enabling the FDIC to complete its resolution of Silicon Valley Bank, Santa Clara, California, in a manner that fully protects all depositors. Depositors will have access to all of their money starting Monday, March 13. No losses associated with the resolution of Silicon Valley Bank will be borne by the taxpayer.
We are also announcing a similar systemic risk exception for Signature Bank, New York, New York, which was closed today by its state chartering authority. All depositors of this institution will be made whole. As with the resolution of Silicon Valley Bank, no losses will be borne by the taxpayer.
Shareholders and certain unsecured debtholders will not be protected. Senior management has also been removed. Any losses to the Deposit Insurance Fund to support uninsured depositors will be recovered by a special assessment on banks, as required by law.
Finally, the Federal Reserve Board on Sunday announced it will make available additional funding to eligible depository institutions to help assure banks have the ability to meet the needs of all their depositors.
The U.S. banking system remains resilient and on a solid foundation, in large part due to reforms that were made after the financial crisis that ensured better safeguards for the banking industry. Those reforms combined with today’s actions demonstrate our commitment to take the necessary steps to ensure that depositors’ savings remain safe.
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