北京分校

考试资讯

      考研英语水平的进步，不仅要记单词，还需要阅读外语文献等资料。接下来，小编为2024考研者们，整理出——2024考研英语同源外刊:硅谷银行倒闭对金融意味什么?供考生参考。

2024考研英语同源外刊:硅谷银行倒闭对金融意味什么?

Two ways. Gradually, then suddenly. That is how Silicon Valley Bank (SVB), the 16th-largest lender in America, with about $200bn in assets, went bust. Its financial position deteriorated over several years. But just two days elapsed between the San Francisco-based bank's announcement on March 8th that it was seeking to raise $2.5bn to plug a hole in its balance-sheet, and the declaration by the Federal Deposit Insurance Corporation, which regulates American bank deposits, that SVB had failed.

两种方式。先逐渐地，然后突然地。拥有2000亿美元资产的美国第16大银行硅谷银行(Silicon Valley Bank，SVB)就是这样破产的。几年来，其财务状况不断恶化。这家总部位于旧金山的银行于3月8日宣布，它正寻求筹集25亿美元以填补其资产负债表上的漏洞，而仅仅两天后，监管美国银行存款的联邦存款保险公司就宣布它破产了。

SVB's share price plunged by 60% after the capital raise was revealed. Greg Becker, its chief executive, urged clients to "support us as we have supported you". Unpersuaded, some venture capitalists told portfolio companies to run. Bill Ackman, a hedge-fund manager, suggested that the government should bail out the bank. By the morning of March 10th its shares had slid another 70% or so in pre-market trading, before a halt was called. CNBC, a television network, reported that SVB's capital-raising efforts had failed and that the bank was seeking to sell itself to a larger institution. Then came the announcement from the regulators.

在融资消息公布后，硅谷银行的股价暴跌了60%。该公司首席执行官格雷格·贝克尔(Greg Becker)敦促客户“像我们支持你们一样支持我们”。由于没有被说服，一些风险投资家让投资组合公司逃跑。对冲基金经理比尔·阿克曼(Bill Ackman)建议政府应该救助该银行。到3月10日上午，其股价在盘前交易中又下跌了70%左右，随后被叫停。美国全国广播公司财经频道(CNBC)报道称，硅谷银行的融资努力已经失败，该银行正寻求将自己出售给一家更大的机构。随后，监管机构发布了公告。

These events raise two questions. The first is how SVB got into this position. The second is whether its troubles are simply an anomaly, or a harbinger of doom for financial institutions writ large. Start with the first. SVB is a bank for startups. It opened accounts for them, often before larger lenders would bother. It also lent to them, which other banks are reluctant to do because few startups have assets for collateral.

这些事件提出了两个问题。首先是SVB是如何进入这个状况中的。接下来的问题是，它的麻烦仅仅是一种反常现象，还是预示着金融机构的厄运。从首个问题说起。硅谷银行是一家为初创公司服务的银行。它为它们开设了账户，而且经常是在更大的贷款机构愿意搭理它们之前。它还向它们提供贷款，而其他银行不愿意这样做，因为很少有初创企业有资产作为抵押。

 

单词

Silicon Valley Bank 硅谷银行;

collapse/kəˈlæps/ n. 突然失败，倒闭，崩溃(如机构、生意或行动的);

financial system 金融系统;

gradually/ˈɡrædʒuəli/ adv. 近来;

lender/ˈlendər/ n. 放款人;

asset/ˈæset/ n. 资产，财产;

bust/bʌst/ adj. 破产;

financial position 财务状况;

deteriorate/dɪˈtɪriəreɪt/ vi. 恶化，变坏;

elapse/ɪˈlæps/ vi.(时间)消逝，流逝;

seek to do sth. 寻求去…;

raise/reɪz/ vt. 筹募钱财;

plug a hole 填补洞;

balance-sheet/ˈbæləns ʃiːt/ n. 资产负债表;

declaration/ˌdekləˈreɪʃn/ n. 声明;

regulate/ˈreɡjuleɪt/ vt. 监管;控制，管理;

deposit/dɪˈpɑːzɪt/ n. 存款;

share price 股票价格;

plunge/plʌndʒ/ vi. 暴跌;骤降;突降;

capital raise 资本的筹集;

reveal/rɪˈviːl/ vt. 揭示，透露;

      综上是“2024考研英语同源外刊:硅谷银行倒闭对金融意味什么?”，希望对备战2024考研考生们有所帮助!让我们乘风破浪，终抵彼岸，考研加油!

推荐阅读：

2024考研英语同源外刊3月文章汇总

2024考研英语同源外刊2月文章汇总