马上轮到SVB？签名银行Signature Bank已被收购！

New York Community Bank to buy failed Signature Bank

纽约社区银行收购倒闭的签名银行

背景：近期，美国银行迎来倒闭潮，直接导火索均是银行挤兑(bank run)。从2021年开始，美国进入加息周期，使得持有美国国债、政府支持机构债券、MBS等各类美元计价债券的金融机构出现了大量的浮亏，其中就包括倒闭的硅谷银行SVB。3月9日，硅谷银行储户集中取款420亿美元，硅谷银行为支付本息，大幅抛售浮亏债券。10日股票跌停。3月10日，签字银行也遭遇了数十亿美元的银行挤兑。随后其一直寻找买家或其他解决方案来支撑其财务状况，但未能及时完成资产出售，最终倒闭。

NEW YORK (AP) — New York Community Bank has agreed to buy a significant chunk of the failed Signature Bank in a $2.7 billion deal, the Federal Deposit Insurance Corp. said late Sunday.

纽约（美联社）— 美国联邦存款保险公司(FDIC)周日晚间表示，纽约社区银行（New York Community Bank）已同意以 27 亿美元的价格收购倒闭的签名银行的大部分业务。

The 40 branches of Signature Bank will become Flagstar Bank, starting Monday. Flagstar is one of New York Community Bank’s subsidiaries. The deal will include the purchase of $38.4 billion in Signature Bank’s assets, a little more than a third of Signature’s total when the bank failed a week ago.

从周一开始，签名银行的40家分行将以“旗星银行”（Flagstar）的身份运营。“旗星银行”是纽约社区银行的子公司之一。该协议涉及资产总价值384亿美元，略高于一周前其倒闭时总额的三分之一。

The FDIC said $60 billion in Signature Bank’s loans will remain in receivershipand are expected to be sold off in time.

FDIC表示，Signature Bank大约600亿美元得贷款将继续处于破产管理状态，预计将不久后出售。

Signature Bank was the second bank to fail in this banking crisis, roughly 48 hours after the collapse of Silicon Valley Bank. Signature, based in New York, was a large commercial lender in the tristate area, but had in recent years gotten into cryptocurrencies as a potential growth business.

签名银行是美国本次银行业危机中倒闭的第二家银行，时间就发生在硅谷银行倒闭48小时内。总部位于纽约的签名银行是大纽约地区的一家大型商业银行，但近年来已将加密货币作为潜在的增长业务。

After Silicon Valley Bank failed, depositors became nervous about Signature Bank’s health due to its high amount of uninsured deposits as well as itsexposure to crypto and other tech-focused lending. By the time it was closed by regulators, Signature was the third largest bank failure in U.S. history.

硅谷银行倒闭后，储户对签名银行的运营状况产生担忧，因为它有大量的未保险存款，以及它对加密货币和其他以技术为重点的贷款的风险敞口。签名银行被监管机构关闭时，已是美国所有倒闭银行中的第三大行。

The FDIC says it expects Signature Bank’s failure to cost the deposit insurance fund $2.5 billion, but that figure may change as the regulator sells off assets. The deposit insurance fund is paid for by assessments on banks and taxpayersdo not bear the direct cost when a bank fails.

FDIC表示，预计存款保险基金将为签名银行的倒闭支付25亿美元，但随着监管机构出售资产，这一数字可能会发生变化。存款保险基金来自银行缴纳的保险费，银行倒闭时纳税人不承担直接费用。