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硅谷银行是如何在48小时内倒闭的
Here's how Silicon Valley Bank collapsed in 48 hours
2023-03-15
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译文简介
这家银行持有的一整套“投资”被高估的事实被忽略了。此外，彼得·蒂尔(Peter Thiel)的介入也是微不足道的细节，他告诉他的手下们把所有的钱取出来，从而引发了银行挤兑。这个从免费货币机中获得巨额财富的人直接扮演了推动一批公司走向崩溃的角色......毫无疑问，他和其他人最终会以几乎不花费任何代价的方式收购这些公司，并在这个“多米诺骨牌”被推倒后，在科技行业中雇佣更多的失业者，支付更少的员工薪资。
正文翻译
评论翻译
Jessica Mamikina
The wisest thing that should be on every wise individual's list is to invest in different stream of income
and don't depend on the government to bring in money especially now the pandemic is hitting the economy
每个明智的人就是投资于不同的收入来源，不要依赖政府带来的收入，特别是现在疫情正在冲击经济。
Esteban Camacho
I love how banks can run the way they want, blowing through millions and millions of dollars, giving away
billions in bonuses and stock buybacks but the second they fall into financial hardship, they expect the fed
to save them using tax payer money while the average american is expected to run their extremely tight budget
like clockwork and the slightest unexpected expense can literally ruin lifes and make people go bankrupt,
never being able to borrow money and tainting their credit history for life.
我喜欢银行可以按照他们想要的方式运营，挥霍数以百万计的美元，发放数十亿的奖金和股票回购，但一旦陷入财务困境，他们却指望联邦政府用纳税人的钱来拯救他们，而普通美国人则被期望像钟表一样精确地管理他们极为紧张的预算，最微小的意外开销都可能让人生活陷入困境，让人破产，永远无法借款，而且会影响他们的信用历史。
Classicphotos
I still blame the FEDs for this, because in the end they benefit by either buying off the failed banks
cheaper or something. The fed can print credit as long as someone will borrow it into existence, but they
cannot print product (or production).
我仍然认为美联储应该为此负责，因为最终他们从中受益，要么通过更便宜的价格购买破产的银行，要么采取其他措施。只要有人愿意借入，美联储就可以打印信用，但他们无法打印产品（或生产）。
Samantha Ball
Confidence in the system??? I’m 31 and this is the 3rd financial crisis of my lifetime and I’m watching the
wealthy elites/ corporations getting bailed out expense of the little guy AGAIN. How is that feeling in
anyway reassuring?!
对于这个体系有信心？？？我31岁了，这是我一生中的第三次金融危机，而我却看到富有的精英/公司再次以牺牲普通老百姓为代价获得救助。这样的感觉怎么可能让人感到安心？！
Caleb Parker
Imagine blaming the people for taking out money of a failing bank instead of blaming the bank and the cause
of high interest rates in the first place
想象一下，责怪人们从一个破产的银行中取出资金，而不是责怪银行和高利率的根本原因，这是多么荒谬的事情。
Angela F
I admit I know nothing about banking but I'm sure I'm not alone in worrying that this could happen to other
banks.
我承认我对银行业一无所知，但我确信不止我一人担心这种情况会发生在其他银行。
Edward Miller
A perfect storm is brewing in the United States. Inflation, bank collapse, severe drought in the agricultural
belt, recession, food shortages, diesel fuel and heating oil shortages, baby formula shortages, available
automobile shortages and prices, the price of living place. It's all coming together and it could lead to a
real disaster towards the end of this year (or sooner). With inflation currently at about 6%, my primary
concern is how to maximize my savings/retirement fund of about $300k which has been sitting duck since
forever with zero to no gains.
美国正在酝酿一场完美风暴。通货膨胀、银行破产、农业带严重干旱、经济衰退、食品短缺、柴油燃料和暖气油短缺、婴儿配方奶粉短缺、汽车短缺和价格高企、住房价格上涨等问题正在同时出现，可能在今年末（或更早）导致真正的灾难。目前通货膨胀率约为6％，我最关心的是如何最大化我的储蓄/退休基金，约为30万美元，这笔钱一直处于死水中，没有任何收益。
Tivix
They better address the insider trading before a bailout
在救助之前他们最好先解决内幕交易问题。
Extreme Edison
Interest rates are just now normalizing. The bank making bad investment decisions should not justify going
back to punishing the holders of cash accounts by paying no interest on cash which is really a tax on savers.
利率现在才开始回归正常水平。银行做出的糟糕投资决策不应该成为不支付现金账户利息的借口，这实际上是对储户征税的做法。通过不给现金账户支付利息来惩罚储户是不公平的。
Louie Uy
Love how the media makes excuses for financial institutions when they screw up
我喜欢媒体为金融机构的失误找借口的做法。
huha47
The bank boss saw it coming, cashed in for $3.6 million ahead of the crash, which sounds similar to insider
trading.
这位银行老板预见到了金融崩盘的到来，提前抛售并获得了360万美元的利润，这听起来很像内幕交易。
TighelanderII
This happened because, "interests rates rose so dramatically, and something was going to break."
Interest rates rose dramatically in the early Eighties (also due to the Fed), but I don't remember banks
failing back then.
这种情况发生的原因是“利率上涨如此剧烈，必然会有些东西崩溃”。虽然八十年代初利率上升了很多（也是由于美联储的原因），但我不记得当时有银行破产。
Denny Pelczynski
Yet No student loan forgiveness, but give it to the CEOs and banks!
没有给学生债务提供任何宽限，却给CEO和银行提供了救助！
Moises Sequera
The worst part of this nonsense back system is that all banks are at risk of going through the same, if
everybody panicked and rushed to get their money out of their banks I bet roughly half will be able to do it.
This is a wreck waiting to happen.
这种不合理的银行体系最糟糕的部分是，所有银行都面临着同样的风险，如果每个人都惊慌失措地涌向银行取款，我敢打赌大约一半的人都会取不出来。这是一场即将发生的灾难。
Olivia Mason
I'm so happy i made productive decisions about my finances that changed my life forever. I'm a single mother
living in Melbourne Australia, bought my second house in September and hoping to retire next year at 52 if
things keep going smoothly for me.
我很高兴我做出了有益于我的财务的决定，这些决定将永远改变我的生活。我是澳大利亚墨尔本的单身母亲，去年九月份买了第二套房子，如果事情继续顺利，我希望在明年52岁时退休。
gary heidrich
“The best way to rob a bank is to own one”
“抢银行最好的方法就是拥有一家银行。”
Arune vaiciulyte
This seems as if the banks knew this was coming and this seems done on purpose and just like before they help
banks but people are living in tents and homeless in Arizona
这似乎表明银行知道这一切即将发生，而这似乎是有意为之的，就像以前一样，他们帮助银行，但亚利桑那州的人们却生活在帐篷中，无家可归。
LackofFaithify
Glossed over the whole other set of "investments" the bank had a hold of that were insanely over valued.
Also the tiny little detail of Peter Thiel's involvement telling all his minions to go withdraw all of their
money thus setting off the run. So the guy that got rich off of the free money machine now directly plays a
role in putting a bunch of companies over the edge...no way he and others end up picking them up for almost
nothing, and also now can pay employees even less with even more unemployed in the tech sector after this
thing gets down with the dominoes now set in motion.
这家银行持有的一整套“投资”被高估的事实被忽略了。此外，彼得·蒂尔(Peter Thiel)的介入也是微不足道的细节，他告诉他的手下们把所有的钱取出来，从而引发了银行挤兑。这个从免费货币机中获得巨额财富的人直接扮演了推动一批公司走向崩溃的角色......毫无疑问，他和其他人最终会以几乎不花费任何代价的方式收购这些公司，并在这个“多米诺骨牌”被推倒后，在科技行业中雇佣更多的失业者，支付更少的员工薪资。
Mister Vo
"This is not a bail out, its a special economic operation"
“这不是救助计划，而是一次特殊的经济行动。”
JB CBBA
this just shows how much value people can put into something. The prices depends on the person.
这只是展示了人们可以为某件事付出多大的代价。价格取决于个人。
Iz Zy
Argh!!! I’m a regular person and I’m upset by this bailout. What’s the point of raising interest rates if
they start printing money again? Doesn’t that defeat the purpose???
哎！！！我是一个普通人，对这次纾困计划感到不满。如果他们重新开始印钞，那加息的意义又在哪里？这不是自相矛盾吗？？？
Raindrop H
The money was placed in a Ultra safe treasury and when the interest rates were plunging. They sold the bonds
at a lower price. Before the bank collapsed, most knew about it and withdrew their money.
这笔钱被投资到极其安全的国库中，在利率急剧下跌时，他们以较低的价格出售了债券。在银行破产之前，大多数人都知道了这件事并且撤回了他们的存款。
Tim ower
Was there any mention of the upper echelon at this bank selling all their stock just before the collapse?
有没有提到这家银行的高层在倒闭前出售了所有股票？
Mz Liz
This is what happens with deregulation on banks.
这就是银行放松监管的后果。
Carmen Santiago
Love how the Rich always get bailed out & made whole, but the little ppl as individuals, always have a
debate. Healthcare, student loans, housing, etc.
我很喜欢富人总是得到救助和得到全额赔偿，但小人物，如个人，总是面临许多争议，如医疗保健、学生贷款、住房等方面的问题。
原文地址：https://www.youtube.com/watch?v=bM2ioYt40gM
The wisest thing that should be on every wise individual's list is to invest in different stream of income
and don't depend on the government to bring in money especially now the pandemic is hitting the economy
每个明智的人就是投资于不同的收入来源，不要依赖政府带来的收入，特别是现在疫情正在冲击经济。
Esteban Camacho
I love how banks can run the way they want, blowing through millions and millions of dollars, giving away
billions in bonuses and stock buybacks but the second they fall into financial hardship, they expect the fed
to save them using tax payer money while the average american is expected to run their extremely tight budget
like clockwork and the slightest unexpected expense can literally ruin lifes and make people go bankrupt,
never being able to borrow money and tainting their credit history for life.
我喜欢银行可以按照他们想要的方式运营，挥霍数以百万计的美元，发放数十亿的奖金和股票回购，但一旦陷入财务困境，他们却指望联邦政府用纳税人的钱来拯救他们，而普通美国人则被期望像钟表一样精确地管理他们极为紧张的预算，最微小的意外开销都可能让人生活陷入困境，让人破产，永远无法借款，而且会影响他们的信用历史。
Classicphotos
I still blame the FEDs for this, because in the end they benefit by either buying off the failed banks
cheaper or something. The fed can print credit as long as someone will borrow it into existence, but they
cannot print product (or production).
我仍然认为美联储应该为此负责，因为最终他们从中受益，要么通过更便宜的价格购买破产的银行，要么采取其他措施。只要有人愿意借入，美联储就可以打印信用，但他们无法打印产品（或生产）。
Samantha Ball
Confidence in the system??? I’m 31 and this is the 3rd financial crisis of my lifetime and I’m watching the
wealthy elites/ corporations getting bailed out expense of the little guy AGAIN. How is that feeling in
anyway reassuring?!
对于这个体系有信心？？？我31岁了，这是我一生中的第三次金融危机，而我却看到富有的精英/公司再次以牺牲普通老百姓为代价获得救助。这样的感觉怎么可能让人感到安心？！
Caleb Parker
Imagine blaming the people for taking out money of a failing bank instead of blaming the bank and the cause
of high interest rates in the first place
想象一下，责怪人们从一个破产的银行中取出资金，而不是责怪银行和高利率的根本原因，这是多么荒谬的事情。
Angela F
I admit I know nothing about banking but I'm sure I'm not alone in worrying that this could happen to other
banks.
我承认我对银行业一无所知，但我确信不止我一人担心这种情况会发生在其他银行。
Edward Miller
A perfect storm is brewing in the United States. Inflation, bank collapse, severe drought in the agricultural
belt, recession, food shortages, diesel fuel and heating oil shortages, baby formula shortages, available
automobile shortages and prices, the price of living place. It's all coming together and it could lead to a
real disaster towards the end of this year (or sooner). With inflation currently at about 6%, my primary
concern is how to maximize my savings/retirement fund of about $300k which has been sitting duck since
forever with zero to no gains.
美国正在酝酿一场完美风暴。通货膨胀、银行破产、农业带严重干旱、经济衰退、食品短缺、柴油燃料和暖气油短缺、婴儿配方奶粉短缺、汽车短缺和价格高企、住房价格上涨等问题正在同时出现，可能在今年末（或更早）导致真正的灾难。目前通货膨胀率约为6％，我最关心的是如何最大化我的储蓄/退休基金，约为30万美元，这笔钱一直处于死水中，没有任何收益。
Tivix
They better address the insider trading before a bailout
在救助之前他们最好先解决内幕交易问题。
Extreme Edison
Interest rates are just now normalizing. The bank making bad investment decisions should not justify going
back to punishing the holders of cash accounts by paying no interest on cash which is really a tax on savers.
利率现在才开始回归正常水平。银行做出的糟糕投资决策不应该成为不支付现金账户利息的借口，这实际上是对储户征税的做法。通过不给现金账户支付利息来惩罚储户是不公平的。
Louie Uy
Love how the media makes excuses for financial institutions when they screw up
我喜欢媒体为金融机构的失误找借口的做法。
huha47
The bank boss saw it coming, cashed in for $3.6 million ahead of the crash, which sounds similar to insider
trading.
这位银行老板预见到了金融崩盘的到来，提前抛售并获得了360万美元的利润，这听起来很像内幕交易。
TighelanderII
This happened because, "interests rates rose so dramatically, and something was going to break."
Interest rates rose dramatically in the early Eighties (also due to the Fed), but I don't remember banks
failing back then.
这种情况发生的原因是“利率上涨如此剧烈，必然会有些东西崩溃”。虽然八十年代初利率上升了很多（也是由于美联储的原因），但我不记得当时有银行破产。
Denny Pelczynski
Yet No student loan forgiveness, but give it to the CEOs and banks!
没有给学生债务提供任何宽限，却给CEO和银行提供了救助！
Moises Sequera
The worst part of this nonsense back system is that all banks are at risk of going through the same, if
everybody panicked and rushed to get their money out of their banks I bet roughly half will be able to do it.
This is a wreck waiting to happen.
这种不合理的银行体系最糟糕的部分是，所有银行都面临着同样的风险，如果每个人都惊慌失措地涌向银行取款，我敢打赌大约一半的人都会取不出来。这是一场即将发生的灾难。
Olivia Mason
I'm so happy i made productive decisions about my finances that changed my life forever. I'm a single mother
living in Melbourne Australia, bought my second house in September and hoping to retire next year at 52 if
things keep going smoothly for me.
我很高兴我做出了有益于我的财务的决定，这些决定将永远改变我的生活。我是澳大利亚墨尔本的单身母亲，去年九月份买了第二套房子，如果事情继续顺利，我希望在明年52岁时退休。
gary heidrich
“The best way to rob a bank is to own one”
“抢银行最好的方法就是拥有一家银行。”
Arune vaiciulyte
This seems as if the banks knew this was coming and this seems done on purpose and just like before they help
banks but people are living in tents and homeless in Arizona
这似乎表明银行知道这一切即将发生，而这似乎是有意为之的，就像以前一样，他们帮助银行，但亚利桑那州的人们却生活在帐篷中，无家可归。
LackofFaithify
Glossed over the whole other set of "investments" the bank had a hold of that were insanely over valued.
Also the tiny little detail of Peter Thiel's involvement telling all his minions to go withdraw all of their
money thus setting off the run. So the guy that got rich off of the free money machine now directly plays a
role in putting a bunch of companies over the edge...no way he and others end up picking them up for almost
nothing, and also now can pay employees even less with even more unemployed in the tech sector after this
thing gets down with the dominoes now set in motion.
这家银行持有的一整套“投资”被高估的事实被忽略了。此外，彼得·蒂尔(Peter Thiel)的介入也是微不足道的细节，他告诉他的手下们把所有的钱取出来，从而引发了银行挤兑。这个从免费货币机中获得巨额财富的人直接扮演了推动一批公司走向崩溃的角色......毫无疑问，他和其他人最终会以几乎不花费任何代价的方式收购这些公司，并在这个“多米诺骨牌”被推倒后，在科技行业中雇佣更多的失业者，支付更少的员工薪资。
Mister Vo
"This is not a bail out, its a special economic operation"
“这不是救助计划，而是一次特殊的经济行动。”
JB CBBA
this just shows how much value people can put into something. The prices depends on the person.
这只是展示了人们可以为某件事付出多大的代价。价格取决于个人。
Iz Zy
Argh!!! I’m a regular person and I’m upset by this bailout. What’s the point of raising interest rates if
they start printing money again? Doesn’t that defeat the purpose???
哎！！！我是一个普通人，对这次纾困计划感到不满。如果他们重新开始印钞，那加息的意义又在哪里？这不是自相矛盾吗？？？
Raindrop H
The money was placed in a Ultra safe treasury and when the interest rates were plunging. They sold the bonds
at a lower price. Before the bank collapsed, most knew about it and withdrew their money.
这笔钱被投资到极其安全的国库中，在利率急剧下跌时，他们以较低的价格出售了债券。在银行破产之前，大多数人都知道了这件事并且撤回了他们的存款。
Tim ower
Was there any mention of the upper echelon at this bank selling all their stock just before the collapse?
有没有提到这家银行的高层在倒闭前出售了所有股票？
Mz Liz
This is what happens with deregulation on banks.
这就是银行放松监管的后果。
Carmen Santiago
Love how the Rich always get bailed out & made whole, but the little ppl as individuals, always have a
debate. Healthcare, student loans, housing, etc.
我很喜欢富人总是得到救助和得到全额赔偿，但小人物，如个人，总是面临许多争议，如医疗保健、学生贷款、住房等方面的问题。
