美硅谷银行倒闭后 有六家银行被列入降级审查名单
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继上周硅谷银行(Silicon Valley Bank)倒闭后,美国信贷评级机构穆迪公司(Moody's
Corporation)近日对其它六家美国银行进行了可能降级的审查。
其中标志银行(Signature Bank)已被联邦存款保险公司(FDIC)关闭,穆迪将该银行的评级下调至垃圾级别。
穆迪警告说,它可能会同样下调第一共和银行(First Republic Bank)、齐昂银行(Zions
Bancorp.)、西方联合银行(Western Alliance
Bancorp)、联信银行(Comerica)、UMB金融公司(UMB Financial Corp)和信托银行(Intrust
Financial Corp)。穆迪称,一些美国银行面临未保险存款外流风险的极端不稳定的融资条件。
对于总部设于旧金山的第一共和银行,穆迪指出该银行“高度依赖对信心更敏感的无保险存款资金”、其债券持有量未实现的高额亏损,以及相对于同行的“低资本化水平”。
穆迪表示,第一共和银行的大量存款超过了FDIC的保险限额,并指出这使得该银行的资金状况“对快速和大量提取存款更加敏感”。“如果银行面临高于预期的存款外流且流动资金支持不足,银行可能需要出售资产,从而使未出现的损失具体化。”穆迪说,截至去年12月,该银行的可供出售和持有到期证券,占其普通股一级资本的三分之一以上。
全球最大资产管理公司贝莱德(BlackRock)执行长芬克(Larry
Fink)警告,硅谷银行爆发倒闭事件,已升高美国金融体系发生“慢动作滚动危机”的风险,“更多收归国有和关闭”事件可能接踵而至。芬克在致投资人信上表示,硅谷银行崩溃是金融业“为数十年宽松资金付出代价”的例证。
他指出,利率急遽升高是“第一张倒下的骨牌”,而硅谷银行倒闭是第二张骨牌倒下的事例,接下来不支倒地的可能是其他区域性银行,以及仰赖杠杆的投资人。
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