{"id":102129,"date":"2023-01-23T10:00:00","date_gmt":"2023-01-23T10:00:00","guid":{"rendered":"https:\/\/cn.cryptonews.com\/?p=102129"},"modified":"2023-06-26T11:27:01","modified_gmt":"2023-06-26T11:27:01","slug":"mei-guo-lian-bang-zhu-fang-dai-kuan-yin-xing-xi-tong-shi-fou-zheng-zai-dui-liang-jia-zui-da-de-jia-mi-huo-bi-yin-xing-jin-xing-mi-mi-de-jiu-yuan","status":"publish","type":"post","link":"https:\/\/cryptonews.com\/cn\/news\/mei-guo-lian-bang-zhu-fang-dai-kuan-yin-xing-xi-tong-shi-fou-zheng-zai-dui-liang-jia-zui-da-de-jia-mi-huo-bi-yin-xing-jin-xing-mi-mi-de-jiu-yuan\/","title":{"rendered":"\u7f8e\u56fd\u8054\u90a6\u4f4f\u623f\u8d37\u6b3e\u94f6\u884c\u7cfb\u7edf\u662f\u5426\u6b63\u5728\u5bf9\u4e24\u5bb6\u6700\u5927\u7684\u52a0\u5bc6\u8d27\u5e01\u94f6\u884c\u8fdb\u884c\u79d8\u5bc6\u7684\u6551\u63f4\uff1f"},"content":{"rendered":"
\"\"<\/figure>

Signature Bank 和 Silvergate 这两家最大的加密货币银行已经从美国联邦住房贷款银行 (FHLB) 获得了数十亿美元的贷款，该系统最初旨在支持住房融资和社区投资。<\/strong><\/p>

根据《华尔街日报》周六的报导，Signature Bank 在 2022 年最后一季从当地的住房贷款银行获得了近 100 亿美元的贷款，而 Silvergate 至少获得了 36 亿美元<\/strong><\/p>

报告称，Signature 的贷款是几年来最高金额的两倍多，而 2022 年是 Silvergate 利用住房贷款银行的第一年。<\/strong><\/p>

美国联邦住房贷款银行是 11 家美国政府资助的银行，向机构提供贷款。该系统成立于大萧条时期，拥有 1.1 兆美元的资产和 6,500 多名成员，最初旨在支持住房融资和社区投资。<\/strong><\/p>

尽管 FHLB 向其他金融机构提供贷款并无异常，但一些市场参与者警告说，向加密货币银行提供贷款可能会导致加密货币领域内的病症也蔓延到传统金融公司。<\/strong><\/p>

一向直言不讳批评加密货币产业的参议员 Elizabeth Warren 对加密货币银行与传统金融 (TradFi) 公司之间日益密切的关系表示担忧。在对《华尔街日报》的评论中，她说：<\/strong><\/p>

“这就是为什么我一直警告允许加密货币与银行系统交织在一起的危险。在任何情况下，纳税人都不应该为加密货币产业的崩溃背负责任 — 一个充斥着欺诈、洗钱和非法金融活动的市场。”<\/strong><\/p><\/blockquote>

在加密货币交易所 FTX 倒闭后，Signature Bank 和 Silvergate 去年转向了住房贷款银行，这削弱了用户们对该产业的信任并导致提款的激增。<\/strong><\/p>

据报导，在 FTX 倒闭后，Silvergate 遭受了银行挤兑。除了贷款外，这家加密货币银行还不得不以巨额亏损出售资产负债表上持有的 52 亿美元债务证券，以弥补约 81 亿美元的用户提款。结果，它蒙受了 7.18 亿美元的损失，据报导，这超过了该银行自 2013 年以来的总利润。<\/strong><\/p>

此外，到 2022 年底，Silvergate 的存款仅为 38 亿美元，而 2021 年为 119 亿美元。同样地，Signature 的存款从 2022 年初的近 1030 亿美元降至去年的 890 亿美元以下。<\/strong><\/p>

加密货币市场的近期发展也促使一些银行退出了加密货币领域。专注于服务高净值人群的数位银行 Moonstone Bank 就是这样的一家银行，它宣布将重新聚焦在“社区银行”的角色。<\/strong><\/p>","protected":false},"excerpt":{"rendered":"

Signature Bank 和 Silvergate 这两家最大的加密货币银行已经从美国联邦住房贷款银行 (FHLB) 获得了数十亿美元的贷款，该系统最初旨在支持住房融资和社区投资。根据《华尔街日报》周六的报导，Signature Bank 在 2022 年最后一季从当地的住房贷款银行获得了近 100 亿美元的贷款，而 Silvergate 至少获得了 36 亿美元报告称，Signature 的贷款是几年来最高金额的两倍多，而 2022 年是 Silvergate 利用住房贷款银行的第一年。美国联邦住房贷款银行是 11 家美国政府资助的银行，向机构提供贷款。该系统成立于大萧条时期，拥有 1.1 兆美元的资产和 6,500 多名成员，最初旨在支持住房融资和社区投资。尽管 FHLB 向其他金融机构提供贷款并无异常，但一些市场参与者警告说，向加密货币银行提供贷款可能会导致加密货币领域内的病症也蔓延到传统金融公司。一向直言不讳批评加密货币产业的参议员 Elizabeth Warren 对加密货币银行与传统金融 (TradFi) 公司之间日益密切的关系表示担忧。在对《华尔街日报》的评论中，她说： “这就是为什么我一直警告允许加密货币与银行系统交织在一起的危险。在任何情况下，纳税人都不应该为加密货币产业的崩溃背负责任 — 一个充斥着欺诈、洗钱和非法金融活动的市场。” 在加密货币交易所 FTX 倒闭后，Signature Bank 和 Silvergate 去年转向了住房贷款银行，这削弱了用户们对该产业的信任并导致提款的激增。据报导，在 FTX 倒闭后，Silvergate 遭受了银行挤兑。除了贷款外，这家加密货币银行还不得不以巨额亏损出售资产负债表上持有的 52 亿美元债务证券，以弥补约 81 亿美元的用户提款。结果，它蒙受了 7.18 亿美元的损失，据报导，这超过了该银行自 2013 […]<\/p>\n","protected":false},"author":47,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,1],"tags":[],"editors":[2415],"sponsored_companies":[],"class_list":["post-102129","post","type-post","status-publish","format-standard","hentry","category-blockchain-news","category-news","editors-ada-chui"],"acf":[],"yoast_head":"\n\u7f8e\u56fd\u8054\u90a6\u4f4f\u623f\u8d37\u6b3e\u94f6\u884c\u7cfb\u7edf\u662f\u5426\u6b63\u5728\u5bf9\u4e24\u5bb6\u6700\u5927\u7684\u52a0\u5bc6\u8d27\u5e01\u94f6\u884c\u8fdb\u884c\u79d8\u5bc6\u7684\u6551\u63f4\uff1f<\/title>\n<meta name=\"description\" content=\"Signature Bank 和 Silvergate\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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