警惕更多银行挤兑！美国地区银行主要贷款方寻求887亿美元募资

华尔街见闻2023-03-14

媒体称，美国政府背书的银行体系联邦住房贷款银行（FHLB）寻求通过发售短期债券募资约887亿美元，远超最初计划规模640亿美元。投行人士称，这肯定不是正常的规模，在当前背景下，它可能反映出银行的融资需求。由美国政府背书的银行体系——为地区银行提供贷款的重要贷款方联邦住房贷款银行（FHLB）正在大力募资，因为硅谷银行倒闭后，更多地区银行可能都需要FHLB的资金支持。美东时间3月13日周一，媒体援引...

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Major lenders of regional banks in the United States seek to raise $88.7 billion","themeId":"","isJumpTheme":false,"ttsUrl":"https://static.tigerbbs.com/d31d942b4fd9c3698436cdf2db55afc7","symbols_score_info":{"161125":0.6,"513500":0.6,"WAL":1,"FRC":1,"SCHW":1,"FHLB":1,".IXIC":0.66,"SPY":0.66,"OEF":0.6,"OEX":0.6,"PSQ":0.6,"QLD":0.6,"SDOW":0.6,"SH":0.6,"SPXU":0.6,"SQQQ":0.6,"SSO":0.6,".SPX":0.6,"DDM":0.6,"DJX":0.6,"DOG":0.6,"ESmain":0.6,"NQmain":0.6,"IVV":0.6},"content_text":"媒体称，美国政府背书的银行体系联邦住房贷款银行（FHLB）寻求通过发售短期债券募资约887亿美元，远超最初计划规模640亿美元。投行人士称，这肯定不是正常的规模，在当前背景下，它可能反映出银行的融资需求。由美国政府背书的银行体系——为地区银行提供贷款的重要贷款方联邦住房贷款银行（FHLB）正在大力募资，因为硅谷银行倒闭后，更多地区银行可能都需要FHLB的资金支持。美东时间3月13日周一，媒体援引知情者消息称，FHLB系统寻求通过发售短期债券募资887亿美元，远超最初计划的640亿美元。这批浮动利率债券的发行由巴克莱、野村、富国银行和花旗牵头。媒体指出，通常这种短期机构债的交易时通过反向询价销售，也就是让客户访问网站并下单，发行方会满足部分客户或者客户的部分需求。但考虑到640亿美元这么庞大的规模，所以FHLB选择了多家银行协作，以便更大范围地吸引投资者。投行Academy Securities的期限利率交易主管Ian Burdette此后评论称，640亿美元“肯定不是正常的规模，但鉴于当前的背景，它可能反映出银行的融资需求。如果没有真正的银行需求，我认为，他们不会做现在这种事。”上周末华尔街见闻文章提到，硅谷银行短短48小时闪电式倒闭前遭遇了疯狂的挤兑。加州监管方金融保护和创新局披露，仅在上周四一天，就有高达420亿美元的取款申请。美东时间上周日，美联储赶在亚市周一开盘前宣布出手干预，保障硅谷银行以及周日倒闭的另一地区银行Signature Bank所有储户的存款安全。美联储紧急推出简称BTFP的银行定期融资计划，为符合资格的存款机构提供最长一年的贷款，并表示该融资工具能覆盖所有高于25万美元的未投保存款。但业内人士仍担心，硅谷银行倒闭只是一个开始。Fredric E. Russell Investment Management Co.的CEO Fredric Russell就认为，这可能仅仅是“厨房里的第一只蟑螂”：银行业陷入了自满的黑暗之中，然后降低了他们的质量标准。Academy Securities的Ian Burdette认为，考虑到美联储工具BTFP的新颖性，地区银行可能选择向FHLB贷款，因为这是阻力最小的途径。本周一美股开盘后，美国地区银行股仍继续惨遭血洗。KBW银行业指数（BKX）盘中跌超10%。嘉信理财（SCHW）、地区银行中的第一共和银行（FRC）、PacWest Bancorp（FACW）、Western Alliance Bancorp（WAL）、及地区银行母公司First Horizon（FHN）盘中均两位数大跌，并多次熔断。评论认为，美国政府需要面对的一个大问题是，监管机构能否消除市场对其他中小银行倒闭可能性的担忧。并且，更加严重的金融不稳定性可能会让美联储关于加息幅度的决定更加混乱。还有评论认为，银行股抛售持续显示，投资者意识到美联储做的远远不够。硅谷银行倒闭发生在有史以来最大的加息周期之一、有史以来收益率曲线最倒挂的时期之一、史上最大的科技泡沫之一破灭之际，以及私人资本增长失控的时期。这已经集齐了诱发一场完美风暴所需的大部分要素，唯一缺失的是美国经济衰退。在这样的背景下，如果想救助美国银行体系，美联储和财政部可能需要祭出一些非常规措施。","kind":"highlight","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":[],"isCommentEnd":true,"newsSizeData":{"likeSize":1,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.29.3","shortVersion":"4.29.3","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2319301654"}