硅谷银行(SVB)破产事件原因分析及对我国的启示  

Analysis of the Causes of the Bankruptcy of Silicon Valley Bank and its Enlightenment to China

作　　者：王可及 赵洪丹[1] 郑德琦 WANG Keji;ZHAO Hongdan;ZHENG Deqi

机构地区：[1]吉林师范大学经济管理与法学学院,吉林四平136000

出　　处：《吉林金融研究》2024年第3期24-29,共6页Journal of Jilin Financial Research

摘　　要：硅谷银行的破产倒闭取决于宏观经济因素和微观经济因素的内外共同作用,自身极度不平衡的资产结构,美联储先大量放水后疯狂加息,错误的信息披露,对市场预期和群众心理的不正确把握,这些结合起来,共同激活了硅谷银行的流动性陷阱,最终使得硅谷银行被挤兑破产。本文认为,硅谷银行破产对国内的启示作用在于国内商业银行应当高度警惕流动性风险,提前准备预案等,监管方面应当重点监察中小型科技类企业的借贷情况和关注村镇小型商业银行的资产结构等。The bankruptcy and collapse of Silicon Valley Bank depend on the combined effects of macroeconomic and microeconomic factors,an extremely imbalanced asset structure,the Federal Reserve's aggressive interest rate hikes after releasing a large amount of water,incorrect information disclosure,and incorrect grasp of market expectations and public psychology.These factors,combined,activated the liquidity trap of Silicon Valley Bank and ultimately led to its bankruptcy due to a run.This article believes that the enlightening effect of the bankruptcy of Silicon Valley Bank on China should be that domestic commercial banks should be highly vigilant about liquidity risks,prepare contingency plans in advance,and focus on monitoring the lending situation of small and medium-sized technology enterprises and paying attention to the asset structure of small and medium-sized commercial banks in rural areas.

关 键 词：硅谷银行破产 商业银行 金融监管 流动性风险 

分 类 号：F830[经济管理—金融学]