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    Today's Issue
    ¿µ¾î±³À°ÀÇ Á¤Á¡ À×±Û¸®½¬ 700ÀÔ´Ï´Ù.
    Today's Issue
    ¿µ¾î±³À°ÀÇ Á¤Á¡ À×±Û¸®½¬ 700ÀÔ´Ï´Ù.
     
    Silicon Valley Bank Collapse
    ÀÌ    ¸§     |     °ü¸®ÀÚ µî·ÏÀÏ     |     2023-03-14 Á¶    È¸     |     795
    ÀÌ    ¸§     |     °ü¸®ÀÚ Á¶    È¸     |     795
    µî·ÏÀÏ     |     2023-03-14

    Why Did Silicon Valley Bank Collapse?

     

    Silicon Valley Bank is largest failure since 2008 crisis, billions stranded

    ½Ç¸®ÄÜ ¹ë¸® ÀºÇàÀº 2008³â À§±â ÀÌÈÄ ÃÖ´ë ½ÇÆÐ, ¼ö½Ê¾ï ´Þ·¯°¡ ¹ßÀÌ ¹­¿´½À´Ï´Ù

     

     

    Startup-focused lender SVB Financial Group became the largest bank failure since the 2008 financial crisis on Friday, in a sudden collapse that roiled global markets and left billions of dollars belonging to companies and investors stranded.

    ½ºÅ¸Æ®¾÷ Áß½ÉÀÇ ´ëÃâ ±â°üÀÎ SVB Financial GroupÀº ±Ý¿äÀÏ ¼¼°è ½ÃÀåÀ» µÚÈçµé°í ±â¾÷°ú ÅõÀÚÀÚ¿¡°Ô ¼ÓÇÑ ¼ö½Ê¾ï ´Þ·¯¸¦ ÁÂÃʽÃŲ °©ÀÛ½º·¯¿î ºØ±«·Î ÀÎÇØ  2008³â ±ÝÀ¶ À§±â ÀÌÈÄ ÃÖ´ë ÀºÇà ÆÄ»êÀÌ µÇ¾ú½À´Ï´Ù.

     



     

     

    In California, silicon valley bank has collapsed and signature bank has been collapsed. Silicon valley bank was a parent company of signature bank and both banks were owned by Wells Fargo Bank (WFC). WFC is also known as one of America's biggest banks with assets exceeding $3 trillion dollars.

    Ķ¸®Æ÷´Ï¾Æ¿¡¼­´Â ½Ç¸®Äܹ븮 ÀºÇàÀÌ ¹«³ÊÁö°í signature ÀºÇàÀÌ ¹«³ÊÁ³½À´Ï´Ù. ½Ç¸®ÄÜ ¹ë¸® ÀºÇàÀº signature ÀºÇàÀÇ ¸ðȸ»ç¿´À¸¸ç µÎ ÀºÇà ¸ðµÎ Wells Fargo Bank(WFC) ¼ÒÀ¯¿´½À´Ï´Ù. WFC´Â ¶ÇÇÑ ÀÚ»êÀÌ 3Á¶ ´Þ·¯°¡ ³Ñ´Â ¹Ì±¹ ÃÖ´ë ÀºÇà Áß Çϳª·Î ¾Ë·ÁÁ® ÀÖ½À´Ï´Ù.

     

     

    This banking crisis has also affected the stock market, which is one of the most important factors in our economy, because it helps determine what products or services people can buy and how much money they receive from their paycheck each week.

    ÀÌ·¯ÇÑ ÀºÇà À§±â´Â ¿ì¸® °æÁ¦¿¡¼­ °¡Àå Áß¿äÇÑ ¿ä¼Ò Áß ÇϳªÀÎ ÁÖ½Ä ½ÃÀå¿¡µµ ¿µÇâÀ» ¹ÌÃƽÀ´Ï´Ù. ÁÖ½Ä ½ÃÀåÀº »ç¶÷µéÀÌ ¾î¶² Á¦Ç°À̳ª ¼­ºñ½º¸¦ »ì ¼ö ÀÖ´ÂÁö ±×¸®°í ¸ÅÁÖ ±Þ¿©¿¡¼­ ¾ó¸¶¸¦ ¹ÞÀ» ¼ö ÀÖ´ÂÁö¸¦ °áÁ¤ÇÏ´Â µ¥ µµ¿òÀÌ µÇ±â ¶§¹®ÀÔ´Ï´Ù.

     

     

    The genesis of SVB's collapse lies in a rising interest rate environment. As higher interest rates caused the market for initial public offerings to shut down for many startups and made private fundraising more costly, some SVB clients started pulling money out.

    SVB ºØ±«ÀÇ ±â¿øÀº »ó½ÂÇÏ´Â ±Ý¸® ȯ°æ¿¡ ÀÖ½À´Ï´Ù. ³ôÀº ÀÌÀÚÀ²·Î ÀÎÇØ ¸¹Àº ½Å»ý ±â¾÷ÀÇ IPO ½ÃÀåÀÌ Æó¼âµÇ°í °³ÀÎ ÀÚ±Ý Á¶´Þ¿¡ ´õ ¸¹Àº ºñ¿ëÀÌ µé°Ô µÇ¸é¼­ ÀϺΠSVB °í°´ÀÌ ÀÚ±ÝÀ» ÀÎÃâÇϱ⠽ÃÀÛÇß½À´Ï´Ù.

     

     

    The company was not, at least until clients started rushing for the exits, insolvent or even close to insolvent. But banking is an enterprise that relies as much on confidence as on cash — and if that runs out, the game is over.

    ȸ»ç´Â Àû¾îµµ °í°´ÀÌ ÆÄ»ê ¶Ç´Â ÆĻ꿡 °¡±î¿î Ãⱸ¸¦ ã±â À§ÇØ ¼­µÎ¸£±â ½ÃÀÛÇϱâ Àü±îÁö´Â ±×·¸Áö ¾Ê¾Ò½À´Ï´Ù. ±×·¯³ª ÀºÇàÀº Çö±Ý¸¸Å­À̳ª ½Å¿ë¿¡ ÀÇÁ¸ÇÏ´Â ±â¾÷ÀÔ´Ï´Ù. ½Å¿ëÀÌ ¶³¾îÁö¸é °ÔÀÓÀÌ ³¡³³´Ï´Ù.

     

     

    It isn¡¯t clear if the bond sale or the fund-raising, at least initially, had been made under duress. It was meant to reassure investors. But it had the opposite effect: It so surprised the market that it led the bank¡¯s very smart client base of venture capitalists to direct their portfolio clients to withdraw their deposits en masse.

    Àû¾îµµ óÀ½¿¡´Â ä±Ç ¸Å°¢À̳ª ÀÚ±Ý Á¶´ÞÀÌ °­¾Ð¿¡ ÀÇÇØ ÀÌ·ç¾îÁ³´ÂÁö´Â È®½ÇÇÏÁö ¾Ê½À´Ï´Ù. ÅõÀÚÀÚµéÀ» ¾È½É½ÃÅ°±â À§ÇÑ °ÍÀ̾ú½À´Ï´Ù. ±×·¯³ª ±×°ÍÀº Á¤¹Ý´ëÀÇ °á°ú¸¦ ³º¾Ò½À´Ï´Ù. ±×°ÍÀº ½ÃÀåÀ» ³Ê¹« ³î¶ó°Ô Çؼ­ ÀºÇàÀÇ ¸Å¿ì ¶È¶ÈÇÑ º¥Ã³ ÅõÀÚÀÚ °í°´ ±â¹ÝÀÌ ±×µéÀÇ Æ÷Æ®Æú¸®¿À °í°´µé¿¡°Ô ¿¹±ÝÀ» ÇѲ¨¹ø¿¡ ÀÎÃâÇϵµ·Ï Áö½ÃÇϵµ·Ï À̲ø¾ú½À´Ï´Ù

     

     

     

     



     
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