原文標題：
Joint Statement by the Department of the Treasury, Federal Reserve, and FDIC
原文連結：
https://home.treasury.gov/news/press-releases/jy1337
發布時間：
March 12, 2023
記者署名：
原文內容：
WASHINGTON, DC -- The following statement was released by Secretary of the Tre
asury 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 strengthen
ing 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 p
romotes strong and sustainable economic growth.
After receiving a recommendation from the boards of the FDIC and the Federal R
eserve, and consulting with the President, Secretary Yellen approved actions e
nabling the FDIC to complete its resolution of Silicon Valley Bank, Santa Clar
a, California, in a manner that fully protects all depositors. Depositors will
have access to all of their money starting Monday, March 13. No losses assoc
iated 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, N
ew York, New York, which was closed today by its state chartering authority. A
ll 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 m
anagement has also been removed. Any losses to the Deposit Insurance Fund to s
upport 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 ha
ve 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 bet
ter 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.
財政部、美聯儲和FDIC的聯合宣告
2023年3月12日
華盛頓特區——財政部長 Janet L. Yellen、聯邦儲備委員會主席Jerome H. Powell和 F
DIC 主
席Martin J. Gruenberg發表了以下聲明：今天我們正在採取果斷行動，通過加強公眾對
我們
銀行系統的信心。此步驟將確保美國銀行系統繼續發揮其重要作用，保護
存款並以促進強勁和可持續經濟增長的方式為家庭和企業提供信貸渠道。
在收到 FDIC 和美聯儲董事會的建議並與總統協商後，耶倫國務卿批准採取行動，使 FDI
C 能夠以充分保護所有儲戶的方式完成其對加利福尼亞州聖克拉拉矽谷銀行的決議. 從 3
月 13 日星期一開始，儲戶將可以使用他們所有的錢。與矽谷銀行的決議相關的損失不
會由納稅人承擔。
我們還宣布紐約 Signature Bank 的類似系統性風險例外情況，該銀行今天已被其州特許
機構關閉。該機構的所有存款人都將變得完整。與矽谷銀行的決議一樣，納稅人不會承擔
任何損失。
股東和某些無擔保債務人將不受保護。高級管理人員也已被免職。根據法律要求，存款保
險基金為支持未投保的存款人而遭受的任何損失，將通過對銀行進行特別評估來彌補。
最後，美國聯邦儲備委員會周日宣布，它將向符合條件的存款機構提供額外資金，以幫助
確保銀行有能力滿足所有存款人的需求。
美國銀行體系保持彈性且基礎穩固，這在很大程度上歸功於金融危機後為確保銀行業獲得
更好保障而進行的改革。這些改革與今天的行動相結合，表明我們承諾採取必要措施確保
儲戶的儲蓄安全。
心得/評論：
消息一發佈SP500期貨就電梯向上了，這次還好多了週末兩天可以讓政府緊急處理，避免
事情進一步發酵和發生連鎖反應
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