美团：没有存款在硅谷银行，破产事件对公司无影响

金融界2023-03-11

作者：子宽3月11日，美团资本市场部对问询的投资者回复邮件表示，美团没有存款在硅谷银行，因此近期硅谷银行事件对公司无影响。同时，美团相关负责人也对记者表示，今日网传美团CEO王兴发布的“硅谷银行维权群”截图并不属实。当地时间3月9日，硅谷银行（SVB）突然宣布，出售其所有210亿美元的可销售证券，因此遭受了18亿美元的亏损，并寻求通过出售普通股和优先股募资22.5亿美元，从而避免流动性危机...

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精彩评论

慕子
2023-03-13
慕子
👍🏻
紫香檀
2023-03-12
紫香檀
这篇文章不错，转发给大家看看
大盘5000点见
2023-03-12
大盘5000点见
😂
389
2023-03-12
389
美团没有，王兴有呀，大家猜下，后面王兴会不会大幅度减持美团回血？
- 纽厨:
  几把毛啊
美元陪葬
2023-03-12
美元陪葬
老虎，你的钱存在哪，盈透的保证金存在哪？
踏浪者
2023-03-12
踏浪者
无风不起浪，辟谣无非就是稳股价，周一要暴跌就说明这事是真的

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href=http://hk.jrj.com.cn/2023/03/11213237393896.shtml><strong>金融界</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>作者：子宽3月11日，美团资本市场部对问询的投资者回复邮件表示，美团没有存款在硅谷银行，因此近期硅谷银行事件对公司无影响。同时，美团相关负责人也对记者表示，今日网传美团CEO王兴发布的“硅谷银行维权群”截图并不属实。 当地时间3月9日，硅谷银行（SVB）突然宣布，出售其所有210亿美元的可销售证券，因此遭受了18亿美元的亏损，并寻求通过出售普通股和优先股募资22.5亿美元，从而避免流动性危机...</p>\n\n<a href=\"http://hk.jrj.com.cn/2023/03/11213237393896.shtml\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"03690","symbol_name":"美团-W","start_time":0,"source_url":"http://hk.jrj.com.cn/2023/03/11213237393896.shtml","article_id":"2318998717","we_media_id":null,"thumbnails":["https://static.tigerbbs.com/e1238455e09ac8d1135014cb37eb0f4d"],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2318998717","pubTimestamp":1678541535,"sourceInfo":{"source_id":"78","name":"金融界"},"weMediaInfo":null,"summary":"网传美团CEO王兴发布的“硅谷银行维权群”截图不属实。 ","collect":0,"end_time":0,"defaultTopTitle":"jrj.com.cn","property":[],"viewcount":null,"language":"zh","relate_stocks":{"03690":"美团-W"},"translate_title":"Meituan: There is no deposit in Silicon Valley Bank, and the bankruptcy has no impact on the company","themeId":"","isJumpTheme":false,"ttsUrl":"https://static.tigerbbs.com/47ba6c3ad2dff32f1f740f137917864e","symbols_score_info":{"03690":0.9,"SIVB":0.9},"content_text":"作者：子宽3月11日，美团资本市场部对问询的投资者回复邮件表示，美团没有存款在硅谷银行，因此近期硅谷银行事件对公司无影响。同时，美团相关负责人也对记者表示，今日网传美团CEO王兴发布的“硅谷银行维权群”截图并不属实。 当地时间3月9日，硅谷银行（SVB）突然宣布，出售其所有210亿美元的可销售证券，因此遭受了18亿美元的亏损，并寻求通过出售普通股和优先股募资22.5亿美元，从而避免流动性危机。市场对这则消息的解读是，硅谷银行的流动性危机，远比预期的更严重。当地时间3月10日，美国联邦存款保险公司（FDIC）宣布，硅谷银行已被关闭，监管机构已控制了银行的存款。根据FDIC发布的一份声明，加州金融保护和创新部（DFPI）当日宣布关闭美国硅谷银行，并任命FDIC为破产管理人。FDIC在公告中表示，投保存款人将不迟于周一早上获得存款，硅谷银行的分支机构也将在监管机构的控制下重新开放。FDIC的标准联邦存款保险公司的为每个账户所有权类别的每个存款人，每家银行提供高达25万美元的保险。FDIC表示，未投保的存款人将获得其余额的接管证书。美国财政部长耶伦10日表示，财政部了解了最近的事态发展，并正在密切关注局势。耶伦表示，当银行面临损失时，这是一个“令人担忧的问题”。 不过美国银行系统仍然充满韧性，已召集各监管机构共同协商硅谷银行的问题。她对银行业监管者有充足的信心，她完全相信银行业监管机构将采取适当行动。分析师认为，此次硅谷银行的问题在于其在流动性宽松时期大量吸收存款并配置长期限的债券资产，导致潜在的利率风险大幅增加，美联储加息使得问题暴露。国信银行王剑指出，事情的源头起于，疫情期间美联储放水，美国的PE/VC市场也快速扩张，给硅谷银行带来大量低息存款，硅谷银行的规模得以快速增长，其资产总额从2019年末的710亿美元增长到2021年末的2115亿美元，其中2020年同比增长63%，2021年同比增长83%。但是这一切在2022年完全逆转。随着2022年美联储进入加息周期，PE/VC市场的流动性盛宴结束，硅谷银行也面临巨大压力。硅谷银行2022年总资产较年初仅增加了3亿美元，有息存款成本从2021年的0.13%大幅攀升到2022年的1.13%。王剑指出，更严重的是，硅谷银行在过去几年存款大幅增长的时候，用吸收进来的资金在资产端配置了大量长久期的持有至到期资产和可供出售资产，期限错配严重，面临巨大的利率风险。从硅谷银行持有至到期资产和可供出售资产的结构来看，主要是住房抵押证券相关产品，资产本身信用风险不大，但收益率很低，只有1.6%左右。这些资产久期很长，其中大约80%的金融资产剩余期限都在十年以上，利率风险很大。“在美联储加息的背景下，如果硅谷银行想稳住负债，就只能高息揽存，这会导致息差收窄，挤压收入和利润空间；如果不高息揽存，则负债流失，公司被迫出售资产偿还债务，同样面临损失。硅谷银行实际上同时面临了这两个问题：一是从存款利率来看，2022年有息存款付息率较2021年上升100bps至1.13%；二是从存款规模来看，2022年末存款余额较2021年末下降8.5%至1731亿美元，其中无息存款更是减少36%至808亿美元。”王剑分析。","kind":null,"is_publish_news":true,"is_publish_highlight":true,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[{"id":627470020,"gmtCreate":1678667293461,"gmtModify":1678667295049,"author":{"id":"3548242306046140","authorId":"3548242306046140","name":"慕子","avatar":"https://static.tigerbbs.com/06b27ce031243ecc33e3164194ad620a","vip":1,"crmLevel":6,"crmLevelSwitch":0,"idStr":"3548242306046140","authorIdStr":"3548242306046140"},"htmlText":"👍🏻","listText":"👍🏻","text":"👍🏻","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/627470020","repostId":2318998717,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":627452928,"gmtCreate":1678620146964,"gmtModify":1678620148367,"author":{"id":"3542472305636197","authorId":"3542472305636197","name":"紫香檀","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":2,"crmLevelSwitch":0,"idStr":"3542472305636197","authorIdStr":"3542472305636197"},"htmlText":"这篇文章不错，转发给大家看看","listText":"这篇文章不错，转发给大家看看","text":"这篇文章不错，转发给大家看看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/627452928","repostId":2318998717,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":627426545,"gmtCreate":1678598323787,"gmtModify":1678598325202,"author":{"id":"3540208402143371","authorId":"3540208402143371","name":"大盘5000点见","avatar":"https://static.tigerbbs.com/ac6f54af8c0ad1edf3a65bb7d04ad40f","vip":1,"crmLevel":5,"crmLevelSwitch":0,"idStr":"3540208402143371","authorIdStr":"3540208402143371"},"htmlText":"😂","listText":"😂","text":"😂","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/627426545","repostId":2318998717,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":627421103,"gmtCreate":1678592224803,"gmtModify":1678592226805,"author":{"id":"14002337142582","authorId":"14002337142582","name":"389","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"crmLevel":3,"crmLevelSwitch":0,"idStr":"14002337142582","authorIdStr":"14002337142582"},"htmlText":"美团没有，王兴有呀，大家猜下，后面王兴会不会大幅度减持美团回血？","listText":"美团没有，王兴有呀，大家猜下，后面王兴会不会大幅度减持美团回血？","text":"美团没有，王兴有呀，大家猜下，后面王兴会不会大幅度减持美团回血？","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/627421103","repostId":2318998717,"repostType":4,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"comments":[{"id":7896109,"gmtCreate":1678642299275,"gmtModify":1678671443336,"authorId":73648796555525,"author":{"id":73648796555525,"idStr":"73648796555525","authorId":73648796555525,"name":"纽厨","avatar":"https://static.tigerbbs.com/4ab76093e5a5a3e8df33f76cfe17b900","vip":1,"crmLevel":1,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":627421103,"type":1,"supId":0,"prevId":0,"content":"几把毛啊","text":"几把毛啊","html":"几把毛啊"}],"langContent":"CN"},{"id":627464470,"gmtCreate":1678583045890,"gmtModify":1678583047592,"author":{"id":"3475637319577435","authorId":"3475637319577435","name":"美元陪葬","avatar":"https://static.tigerbbs.com/3adad1b30738f8872303fea38e932b24","vip":1,"crmLevel":2,"crmLevelSwitch":0,"idStr":"3475637319577435","authorIdStr":"3475637319577435"},"htmlText":"老虎，你的钱存在哪，盈透的保证金存在哪？","listText":"老虎，你的钱存在哪，盈透的保证金存在哪？","text":"老虎，你的钱存在哪，盈透的保证金存在哪？","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/627464470","repostId":2318998717,"repostType":2,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":627464531,"gmtCreate":1678583010323,"gmtModify":1678583011873,"author":{"id":"3555921219439097"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