{"id":6596,"date":"2023-03-20T19:41:06","date_gmt":"2023-03-20T17:41:06","guid":{"rendered":"https:\/\/www.teslapay.eu\/?p=6596"},"modified":"2023-03-20T19:41:06","modified_gmt":"2023-03-20T17:41:06","slug":"the-collapse-of-silicon-valley-bank","status":"publish","type":"post","link":"https:\/\/www.teslapay.eu\/lt\/blog\/the-collapse-of-silicon-valley-bank\/","title":{"rendered":"\u201cSilicon Valley Bank\u201d \u017elugimas"},"content":{"rendered":"<p>2023 m. kovo 10 d. FDIC u\u017edar\u0117 \u201eSilicon Valley Bank\u201c (SVB). Tai tikrai ne pirmas kartas kai JAV bankas u\u017everia duris, tad kod\u0117l \u017einia apie SVB \u017elugim\u0105 suk\u016br\u0117 toki\u0105 suirut\u0119?<\/p>\n<p>Tam yra kelios prie\u017eastys:<\/p>\n<ul>\n<li>Silicio sl\u0117nio bankas prie\u0161 \u017elugim\u0105 buvo 16-as pagal dyd\u012f bankas Jungtin\u0117se Amerikos Valstijose. Paskutin\u012f kart\u0105 tokio dyd\u017eio bankas \u017elugo 2008 m. kriz\u0117s metu.<\/li>\n<li>SVB \u017elugimas negal\u0117jo nutikti blogesniu metu \u2013 didelio banko \u017elugimas tikrai nepad\u0117jo numal\u0161inti JAV gyventoj\u0173 baimi\u0173 d\u0117l art\u0117jan\u010dios finans\u0173 kriz\u0117s.<\/li>\n<li>Negana to, SVB \u017elugo d\u0117l likvidumo problem\u0173, kurias suk\u0117l\u0117 prastas rizikos valdymas.<\/li>\n<\/ul>\n<p>Atrodo, kad kartojasi 2008 m. kriz\u0117? Federalinis rezerv\u0173 bankas imasi skubi\u0173 veiksm\u0173, \u012fskaitant banko terminuoto finansavimo program\u0105, kad i\u0161vengti grandinin\u0117s reakcijos finans\u0173 sektoriuje ir atkurt\u0173 pasitik\u0117jim\u0105 JAV bank\u0173 sistema.<\/p>\n<p>Taigi, kaip toks \u017einomas bankas kaip SVB gali su\u017elugti? Reikia pa\u017evelgti vos kelerius metus atgal, 2019\u20132022 m. \u201cSilicon Valley Bank\u201d smarkiai i\u0161augo, padid\u0117jus ind\u0117li\u0173 kiekiui. Tik nedidel\u0117 dalis \u0161i\u0173 ind\u0117li\u0173 banke buvo laikomi grynaisiais, o likusi dalis buvo panaudota pirkti i\u017edo obligacijoms ir kitoms ilgalaik\u0117ms investicijoms.<\/p>\n<p>Tokio tipo turtas da\u017eniausiai vertinamas kaip \u017eemos rizikos \u2013 ma\u017eos gr\u0105\u017eos. Ta\u010diau, Federaliniam rezerv\u0173 bankui prad\u0117jus didinti pal\u016bkan\u0173 normas, anks\u010diau \u012fsigytos i\u017edo obligacijos prad\u0117jo prarasti vert\u0119.<\/p>\n<p>Did\u0117jan\u010dios pal\u016bkan\u0173 normos taip pat tur\u0117jo did\u017eiul\u012f poveik\u012f SVB klientams \u2013 kuri\u0173 didel\u0117 dalis yra technologij\u0173 \u012fmon\u0117s. Atsi\u017evelgiant \u012f masinius atleidimus technologij\u0173 pramon\u0117je ir sunkius laikus \u012fmon\u0117ms \u2013 buvo galima tik\u0117tis dideli\u0173 masini\u0173 pinig\u0173 i\u0161\u0117mim\u0173.<\/p>\n<p>Turint omenyje kiek daug buvo nuveikt\u0105 gerinant rizikos valdym\u0105 bankininkyst\u0117je po 2008 m., sunku suprasti, kaip tokio dyd\u017eio bankas nei\u0161moko pra\u0117jusios finans\u0173 kriz\u0117s pamok\u0173 ir pateko \u012f likvidumo kriz\u0119, d\u0117l kurios netik\u0117tai greitai \u017elugo.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2023 m. kovo 10 d. FDIC u\u017edar\u0117 \u201eSilicon Valley Bank\u201c (SVB). Tai tikrai ne pirmas kartas kai JAV bankas u\u017everia duris, tad kod\u0117l \u017einia apie SVB \u017elugim\u0105 suk\u016br\u0117 toki\u0105 suirut\u0119? Tam yra kelios prie\u017eastys: Silicio sl\u0117nio bankas prie\u0161 \u017elugim\u0105 buvo 16-as pagal dyd\u012f bankas Jungtin\u0117se Amerikos Valstijose. Paskutin\u012f kart\u0105 tokio dyd\u017eio bankas \u017elugo 2008 m. [&hellip;]<\/p>\n","protected":false},"author":28,"featured_media":6600,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-6596","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.teslapay.eu\/lt\/wp-json\/wp\/v2\/posts\/6596"}],"collection":[{"href":"https:\/\/www.teslapay.eu\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.teslapay.eu\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.teslapay.eu\/lt\/wp-json\/wp\/v2\/users\/28"}],"replies":[{"embeddable":true,"href":"https:\/\/www.teslapay.eu\/lt\/wp-json\/wp\/v2\/comments?post=6596"}],"version-history":[{"count":2,"href":"https:\/\/www.teslapay.eu\/lt\/wp-json\/wp\/v2\/posts\/6596\/revisions"}],"predecessor-version":[{"id":6598,"href":"https:\/\/www.teslapay.eu\/lt\/wp-json\/wp\/v2\/posts\/6596\/revisions\/6598"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.teslapay.eu\/lt\/wp-json\/wp\/v2\/media\/6600"}],"wp:attachment":[{"href":"https:\/\/www.teslapay.eu\/lt\/wp-json\/wp\/v2\/media?parent=6596"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.teslapay.eu\/lt\/wp-json\/wp\/v2\/categories?post=6596"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.teslapay.eu\/lt\/wp-json\/wp\/v2\/tags?post=6596"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}