美国联邦存款保险公司表示，签名银行破产的根本原因是管理不善，这透露了哪些信息？

美国银行为什么会接连倒闭？

美国银行相继倒闭并不是一个普遍的情况，这些银行的破产可能是由于管理不善、经营不当、财务问题等原因导致的。对于储户的资金，美国***通常会提供银行存款保险，即FDIC保险。这意味着，如果银行破产，每个账户的储户可以获得最高25万美元的保险赔偿，以确保储户能够取回他们的存款。因此，储户的资金大多数情况下是安全的。 银行破产的原因可能是由于管理不善、经营不当、财务问题等因素导致。美国***有一个联邦存款保险公司（FDIC），它提供了一定程度的保险，以保护储户的存款。如果一家银行破产，FDIC会为每个储户提供保险赔偿，最高赔偿额度为25万美元。因此，储户的资金在一定程度上是安全的，但是如果银行破产，储

为啥美国银行相继倒闭？储户的资金还能拿回来吗？

美国银行并没有相继倒闭。在过去，美国经历了一次金融危机，其中部分银行遭受了损失，一些倒闭或被迫出售。但大多数银行得到了政府的援助，避免了彻底的崩溃。目前，美国银行系统相对稳定，储户的资金是安全的。如果储户的银行倒闭，联邦存款保险公司会对每位储户提供保障，每位储户的存款可以得到最高25万美元的保障。

美国银行为什么会倒闭呢

美国又有一家银行面临破产的风险，第一共和国银行已经走到了破产边缘，被他拖垮的还有众多银行资本家，就在上个月，美国11家大型银行才刚刚向第一共和国银行注入300亿美元存款，如果第一共和国银行破产，还不知道会不会有进一步的连锁反应。

起初大家认为美国加息是收割全球

美国加息是众多经济学家早在几年前就已经预测好的，目的是通过加息行为，吸引全球资本回美国。很多经济学家，还把这种行为理解为美国在收割全球的韭菜。比如：针对中国，美国加息可以导致中国外汇外流美国；针对欧盟，可以令美元升值，让由美元定价的欧洲必需品——石油和天然气价格上涨，起到敲打欧盟的作用；同时，还会让很多小国家资本外流，本币信用度下降，让美元重回霸权地位。

加息让美国骑虎难下，中国却是老虎骑士

然而，美国加息似乎每一脚都踩到坑里。一季度，美国GDP增长只有1%，当时通胀率接近6%，美债利息已经飙到4.3%，如果要靠加息抵消通胀率，得加息到6%，这简直是天方夜谭。美国为啥这么倒霉呢？

第一个坑，中国宣布数字货币交易非法，这导致全球数字货币市场动荡，各种数字货币暴跌，暴跌导致锁定在数字资产的美金，回流美国市场，加剧通货膨胀。

第二个坑，中国反其道行之，别国跟着加息，中国反而宣布降准，不仅不收拢资金，反而释放资金，进一步导致美元回流美国。

第三个坑，中国和日本持续抛售美债，美债都被美国人自己接盘了，一边是高昂的利息要支付，另一边是依然压不住的通货膨胀，这些压力就都到了银行业这里了。

加息引发银行业盈利能力下降

加息意味着大家不用投资，只需要把钱放在银行里就可以盈利。通胀又让企业投资利益受损，进一步收紧投资，不贷款了。这样一来，银行拿着大笔资金要支付储户的利息，另一方面，贷款发放不出去，导致收支不平衡，面临亏损。所以大量银行又把钱投入利息高昂的美债，成为了美债的接盘侠。

然而，美国舆论是不受控制的，关于银行亏掉本金的谣言一旦开始传播，美国人就开始疯狂的挤兑。这样就导致美国的银行接连出现问题，之前有硅谷银行，现在是第一共和国银行，故事基本都如出一辙。

中国不加息，其实是对的。不知道有没有和我一样是做生意的朋友。此前，我们小微企业要到银行贷款，求爷爷告奶奶都不一定能贷到。但是最近，银行开始给我们企业主打电话，主动推销贷款业务，而且授信额度还不低。不加息，正好是在这个大家都不怎么敢投资的时期，降低银行盈利压力的正确手段。美式金融学，这一次，反而没有显露出我们中国人的智慧。

英文版：Why do banks in the United States go bankrupt so easily? Crazy interest rate hikes, bringing down capitalists.

Another U.S. bank is at risk of bankruptcy. First Republic Bank has already reached the brink of bankruptcy, dragging down numerous bank capitalists with it. Just last month, 11 large U.S. banks injected $30 billion in deposits into First Republic Bank. If First Republic Bank goes bankrupt, it is unclear whether there will be further chain reactions.

At first, people thought that the U.S. interest rate hike was to reap benefits from around the world.

The U.S. interest rate hike was predicted by many economists several years ago, with the aim of attracting global capital back to the United States through this action. Many economists also interpret this behavior as the United States reaping benefits from around the world. For example, regarding China, the interest rate hike can cause China's foreign exchange to flow out to the United States; concerning the European Union, it can cause the appreciation of the dollar, leading to price increases for European necessities priced-in dollars such as oil and natural gas, thereby putting pressure on the European Union. At the same time, it will cause capital outflow from many small countries, lead to a decrease in domestic currency credit ratings, and allow the U.S. dollar to regain its dominant position.

Raising interest rates has made it difficult for the United States to get off its tiger, but China is instead a knight riding on a tiger.

However, the U.S. interest rate hike seems to have stumbled at every step. In the first quarter, U.S. GDP growth was only 1%, while inflation was close to 6% and U.S. bond interest rates had soared to 4.3%. If they were to use interest rate hikes to counteract inflation, they would need to raise interest rates to 6%, which is simply impossible. Why is the United States so unlucky?

The first stumbling block was when China announced that cryptocurrency transactions were illegal, which caused turmoil in the global digital currency market. Various digital currencies plummeted, leading to a flow of US dollars locked in digital assets back into the American market, exacerbating inflation.

The second stumbling block was when China did the opposite of other countries by announcing a reserve requirement ratio cut. Instead of tightening up funds, it released funds, further leading to a flow of US dollars back into the United States.

The third stumbling block was when China and Japan continued to sell off U.S. bonds, which were then picked up by Americans themselves. The pressure of high interest payments on one hand and unstoppable inflation on the other all came down to the banking industry.

Interest rate hikes have caused a decline in the profitability of the banking industry.

Interest rate hikes mean that people don't need to invest, they can simply earn profits by keeping their money in the bank. However, inflation damages investment interests of enterprises, which further tightens up investment and leads to lower lending. As a result, banks have to pay interest to depositors on one hand but are unable to issue loans, resulting in an imbalance of income and expenses and facing losses. So many banks invest their funds in high-interest U.S. bonds, becoming the buyers of those bonds.

However, the American media is uncontrollable, and once rumors begin to spread about banks losing their capital, Americans begin to frantically run on banks. This results in a wave of problems for U.S. banks, first Silicon Valley Bank, now First Republic Bank, all following similar patterns.

It's right for China not to raise interest rates. I wonder if anyone else, like me, is doing business. In the past, small and micro-enterprises had a hard time getting loans from banks, even after begging and pleading. But recently, banks have been calling us entrepreneurs to actively promote their loan businesses, and the credit limits are not low. Not raising interest rates is a correct approach to reduce banking profitability pressure during this period when few people dare to invest. The American-style finance, this time, has not shown wisdom like our Chinese.

四十四家银行申请破产？

2011年美国有45家银行倒闭。

2011年，美国联邦储蓄保险公司接管了南卡罗莱纳州一家地区银行，2011年美国银行倒闭数量增至45家。

美国联邦存款保险公司表示，总部位于南卡罗来纳州查尔斯顿的AtlanticBankandTrust成为2011年美国第45家宣告倒闭的银行，同时也是南卡罗来纳州2011年倒闭的第二家银行。

次贷风暴、金融危机及随后经济重挫，使过去两年美国银行经营困难。其中，2009年全美140家银行关门，2010年则有157家银行关门，创20多年来的最高纪录。但今年银行业情况有所好转，截至目前银行倒闭数比去年同期减少四成。

扩展资料

美国百年银行倒闭，美国媒体炸锅了

2020年4月3日盘后，一家于纳斯达克上市的金融服务公司MVBFinancial在一份声明中称，旗下全资子公司MVBBank(下称MVB银行)收购了西弗吉尼亚州一家银行的存款和部分资产，后者被监管部门（美国联邦存款保险公司）宣布破产。

这家名为FirstStateBank（简称：第一州银行）位于西弗吉尼亚州，可提供全方位的存贷款服务，有超过100年的历史。截至2019年12月31日，FirstStateBank的总资产约为1.524亿美元，存款总额为1.395亿美元。

参考资料来源:凤凰网-90年前危机信号再现！美国百年银行破产，特朗普集团也扛

参考资料来源:凤凰网-美国今年已经有45家银行倒闭一般存户不受影响

硅谷银行关闭原因

硅谷银行破产原因有风险管理不当、过度扩张、非常规业务模式、监管问题、全球经济衰退等。
硅谷银行（SVB），1983年成立于美国，是硅谷银行金融集团的子公司，资产为50亿美元，并通过位于美国的27家办事处，3家国际分公司以及在亚洲、欧洲、印度和以色列的广泛商业关系网，为风险资本以及创业企业提供了26亿美元的贷款。硅谷银行主要服务于科技型企业，成功帮助过Facebook、twitter等明星企业。
当地时间2023年3月10日，根据美国联邦存款保险公司（FDIC）发布的一份声明，美国加州金融保护和创新部（DFPI）当日宣布关闭美国硅谷银行，并任命FDIC为破产管理人；3月11日，美国民主党参议员伊丽莎白·沃伦表示，硅谷银行的高管必须为其渎职及管理不善导致的银行破产负责；3月12日，美国财政部消息，财政部、美联储和FDIC联合发表声明称，正在采取果断行动，通过增强公众对银行系统的信心来保护美国经济。