第一共和救了，美国地区银行为何又暴跌？

华尔街见闻2023-05-03

第一共和银行倒闭凸显银行业长期存在的弱点。市场现在想知道谁可能是下个需要救助的银行。而且，本周一接管第一共和时，监管方FDIC并未宣布扩大存款保险范围，令一些地区银行的投资者失望。尽管美国监管方本周一将第一共和银行接管、并迅速找到买家摩根大通，银行业危机仍未能缓和，反而有愈演愈烈之势。本周二，就在第一共和银行被接管且敲定摩根大通竞购成功次日，美国地区银行股反而大跌，成为当天大盘下行的一大推手。地区...

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免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

千金散尽还复来_4528
2023-05-03
千金散尽还复来_4528
退市了
钻石眼泪007
2023-05-03
钻石眼泪007
共和开盘是暴涨还是暴跌不太懂
ruan_7128
2023-05-03
ruan_7128
关键是美联储的加息是否停止？否则银行股还会继续下跌！银行承受不了这么高的利息[难过]
Lin_6353
2023-05-03
Lin_6353
一个被救都想被救
enjoylife168
2023-05-03
enjoylife168
存款跟投资一样，自负赢亏

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Bancorp（ZION）均跌超10%。为什么第一共和银行看来得救了，地区银行股却暴跌？有媒体认为，作为今年倒闭的第四家美国银行，第一共和银行的结局凸显了银行业长期存在的弱点。这些银行的倒闭固然有一些特殊的因素影响，但他们的困境都可以归结到，在利率上升的环境下，融资成本增加，同时资产的价值缩水。由于储户为寻求更高的回报，将资金改投货币基金等其他工具，存款流失的银行吸纳了更多美联储和联邦住房贷款银行系统提供的流动性。这些资金能让银行保持流动性，但融资成本高昂，势必损伤盈利能力。持类似看法的评论认为，地区银行还面对美联储要继续加息的问题。更高的利率使银行持有存款的成本增加，也会降低银行所持长期债券和贷款的账面价值。分析师Herman Chan认为，目前还没有明确的对策，解决市场对地区银行缺乏信心的问题，可能需要监管方或者政府部门作出更全面的回应。有评论指出，周一竞购成功第一共和银行后，摩根大通的CEO戴蒙一方面说，当前的银行业危机接近尾声，一方面又承认，可能还有一家小银行会倒闭。Oanda的高级市场分析师Edward Moya评论称，华尔街想知道哪家银行可能是下一个需要救助的银行，因此容易从其他地区银行中挑选可能倒下的受害者。Moya认为，摩根大通拿下第一共和银行只是让美国的银行业平静了一天。在有明确迹象显示紧急贷款计划可能取消以前，地区银行股看起来仍然很脆弱。有评论认为，周二地区银行股价的表现部分源于，这些银行的不少投资者本以为，监管机构联邦存款保险公司（FDIC）在宣布接管第一共和银行时还将公布，要改动银行存款保险。硅谷银行和Signature银行的无保险存款规模极高，所以遭遇挤兑后才那么快倒闭。而FDIC无视业内的呼声，并未决定扩大存款保险范围。华尔街见闻此前提到，周一FDIC公布了有关存款保险改革的方案，提出三种选择，一是保持现有保险框架，可能上调现有的25万美元存款保险上限，二是将保险范围扩大到所有储户，三是有针对性保障，提供不同的存款保险限额，对企业的付款账户给予更多保障。FDIC并未青睐全面扩大存款保险，而是认为，第三种选择最能满足存款保险的金融稳定、以及保护储户成本的目标。这样看来，FDIC即便推行改革，真正落地的改革举措也较有可能让地区银行的投资者希望落空。","kind":"highlight","is_publish_news":false,"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":658715262,"gmtCreate":1683116694357,"gmtModify":1683116695796,"author":{"id":"3575588838324410","authorId":"3575588838324410","name":"千金散尽还复来_4528","avatar":"https://static.tigerbbs.com/4b2a000ad191478834114714a1ec90f9","vip":1,"crmLevel":1,"crmLevelSwitch":0,"idStr":"3575588838324410","authorIdStr":"3575588838324410"},"htmlText":"退市了","listText":"退市了","text":"退市了","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/658715262","repostId":2332997563,"repostType":2,"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"CN"},{"id":658732508,"gmtCreate":1683101815604,"gmtModify":1683101918090,"author":{"id":"3458798865571600","authorId":"3458798865571600","name":"钻石眼泪007","avatar":"https://static.tigerbbs.com/60b29665a986e087fdad93a578f7fa09","vip":1,"crmLevel":6,"crmLevelSwitch":0,"idStr":"3458798865571600","authorIdStr":"3458798865571600"},"htmlText":"共和开盘是暴涨还是暴跌 不太懂","listText":"共和开盘是暴涨还是暴跌 不太懂","text":"共和开盘是暴涨还是暴跌 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