New York Community Bank to buy failed Signature Bank

紐約社區(qū)銀行收購倒閉的簽名銀行

背景：近期，美國銀行迎來倒閉潮，直接導(dǎo)火索均是銀行擠兌(bank run)。從2021年開始，美國進(jìn)入加息周期，使得持有美國國債、政府支持機(jī)構(gòu)債券、MBS等各類美元計價債券的金融機(jī)構(gòu)出現(xiàn)了大量的浮虧，其中就包括倒閉的硅谷銀行SVB。3月9日，硅谷銀行儲戶集中取款420億美元，硅谷銀行為支付本息，大幅拋售浮虧債券。10日股票跌停。3月10日，簽字銀行也遭遇了數(shù)十億美元的銀行擠兌。隨后其一直尋找買家或其他解決方案來支撐其財務(wù)狀況，但未能及時完成資產(chǎn)出售，最終倒閉。

NEW YORK (AP) — New York Community Bank has agreed to buy?a significant chunk of?the?failed?Signature Bank in a $2.7 billion deal, the Federal Deposit Insurance Corp. said late Sunday.

紐約（美聯(lián)社）— 美國聯(lián)邦存款保險公司(FDIC)周日晚間表示，紐約社區(qū)銀行（New York Community Bank）已同意以 27 億美元的價格收購倒閉的簽名銀行的大部分業(yè)務(wù)。

The 40?branches?of Signature Bank will become Flagstar Bank, starting Monday. Flagstar is one of New York Community Bank’s?subsidiaries. The deal will include the purchase of $38.4 billion in Signature Bank’s assets,?a little more than?a third of Signature’s total when the bank failed a week ago.

從周一開始，簽名銀行的40家分行將以“旗星銀行”（Flagstar）的身份運營。“旗星銀行”是紐約社區(qū)銀行的子公司之一。該協(xié)議涉及資產(chǎn)總價值384億美元，略高于一周前其倒閉時總額的三分之一。

The FDIC said $60 billion in Signature Bank’s loans will remain in?receivershipand are expected to be?sold off?in time.

FDIC表示，Signature Bank大約600億美元得貸款將繼續(xù)處于破產(chǎn)管理狀態(tài)，預(yù)計將不久后出售。

Signature Bank was the second bank to fail in this?banking crisis, roughly 48 hours after the?collapse?of Silicon Valley Bank. Signature,?based in New York, was?a large commercial lender?in?the tristate area, but had in recent years gotten into?cryptocurrencies?as a potential growth business.

簽名銀行是美國本次銀行業(yè)危機(jī)中倒閉的第二家銀行，時間就發(fā)生在硅谷銀行倒閉48小時內(nèi)。總部位于紐約的簽名銀行是大紐約地區(qū)的一家大型商業(yè)銀行，但近年來已將加密貨幣作為潛在的增長業(yè)務(wù)。

After Silicon Valley Bank failed,?depositors?became?nervous?about Signature Bank’s health due to its high amount of?uninsured deposits?as well as itsexposure?to crypto and other tech-focused lending. By the time it was closed by regulators, Signature was the third largest bank failure in U.S. history.

硅谷銀行倒閉后，儲戶對簽名銀行的運營狀況產(chǎn)生擔(dān)憂，因為它有大量的未保險存款，以及它對加密貨幣和其他以技術(shù)為重點的貸款的風(fēng)險敞口。簽名銀行被監(jiān)管機(jī)構(gòu)關(guān)閉時，已是美國所有倒閉銀行中的第三大行。

The FDIC says it expects Signature Bank’s failure to cost the deposit insurance fund $2.5 billion, but that?figure?may change as the regulator sells off assets. The deposit insurance fund is paid for by?assessments on banks?and?taxpayersdo not bear the direct cost when a bank fails.

FDIC表示，預(yù)計存款保險基金將為簽名銀行的倒閉支付25億美元，但隨著監(jiān)管機(jī)構(gòu)出售資產(chǎn)，這一數(shù)字可能會發(fā)生變化。存款保險基金來自銀行繳納的保險費，銀行倒閉時納稅人不承擔(dān)直接費用。