{"id":13541,"date":"2023-06-01T16:43:54","date_gmt":"2023-06-01T08:43:54","guid":{"rendered":"https:\/\/readfi.news\/?p=13541"},"modified":"2023-06-02T10:21:33","modified_gmt":"2023-06-02T02:21:33","slug":"%e6%8e%a2%e7%a9%b6%e7%be%8e%e9%8a%80%e5%80%92%e9%96%89%e4%b9%8b%e9%87%91%e8%9e%8d%e6%81%90%e6%85%8c%e6%bd%ae%e8%88%87%e5%85%a8%e7%90%83%e7%b6%93%e6%bf%9f%e8%a1%b0%e9%80%80%e9%a2%a8%e9%9a%aa","status":"publish","type":"post","link":"https:\/\/readfi.news\/en\/13541\/","title":{"rendered":"\u63a2\u7a76\u7f8e\u9280\u5012\u9589\u4e4b\u91d1\u878d\u6050\u614c\u6f6e\u8207\u5168\u7403\u7d93\u6fdf\u8870\u9000\u98a8\u96aa"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u6587\/\u9673\u9326\u7a37<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"860\" src=\"https:\/\/readfi.news\/wp-content\/uploads\/2023\/05\/0503-3-1024x860.jpg\" alt=\"\" class=\"wp-image-12933\" srcset=\"https:\/\/readfi.news\/wp-content\/uploads\/2023\/05\/0503-3-1024x860.jpg 1024w, https:\/\/readfi.news\/wp-content\/uploads\/2023\/05\/0503-3-300x252.jpg 300w, https:\/\/readfi.news\/wp-content\/uploads\/2023\/05\/0503-3-768x645.jpg 768w, https:\/\/readfi.news\/wp-content\/uploads\/2023\/05\/0503-3-14x12.jpg 14w, https:\/\/readfi.news\/wp-content\/uploads\/2023\/05\/0503-3.jpg 1125w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&nbsp; <\/strong>\u7f8e\u570b\u653f\u5e9c\u7684\u300c<a href=\"https:\/\/zh.wikipedia.org\/zh-tw\/%E7%BE%8E%E5%9B%BD%E5%80%BA%E5%8A%A1%E4%B8%8A%E9%99%90%E5%8E%86%E5%8F%B2\">\u50b5\u52d9\u4e0a\u9650<\/a>\uff08Debt Limit\uff09\u300d\u5371\u6a5f\u6700\u5feb\u5c07\u5728\u4e8c\u25cb\u4e8c\u4e09\u5e74\u516d\u6708\u521d\u5230\u4f86\uff0c\u5c46\u6642\u5982\u679c\u671d\u91ce\u5169\u9ee8\u7121\u6cd5\u5c0d\u806f\u90a6\u653f\u5e9c\u7684\u50b5\u52d9\u4e0a\u9650\u9054\u6210\u65b0\u7684\u5171\u8b58\uff0c\u7f8e\u570b\u653f\u5e9c\u6240\u767c\u884c\u7684<a 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href=\"https:\/\/zh.wikipedia.org\/zh-tw\/%E8%81%94%E9%82%A6%E5%82%A8%E5%A4%87%E7%B3%BB%E7%BB%9F\">\u7f8e\u570b\u806f\u6e96\u6703<\/a>\uff08FED\uff09\u53bb\u5e74\u4ee5\u4f86\u7684\u8d85\u5feb\u901f\u5347\u606f\uff0c\u91d1\u878d\u6a5f\u69cb\u6301\u6709\u7684\u7f8e\u50b5\u90e8\u4f4d\u9762\u81e8\u5e33\u9762\u50f9\u503c\u7684\u56b4\u91cd\u6e1b\u640d\uff0c\u9280\u884c\u9ad4\u7cfb\u5b58\u6b3e\u8207\u653e\u6b3e\u8cc7\u91d1\u5148\u5929\u5b58\u6709\u501f\u77ed\u652f\u9577\u7684\u7279\u6027\uff0c\u9020\u6210\u8cc7\u7522\u8ca0\u50b5\u7ba1\u7406\u4e0a\u7684\u671f\u9593\u932f\u914d\uff08Maturity Mismatch\uff09\u554f\u984c\uff0c\u4e00\u65e6\u98a8\u96aa\u63a7\u7ba1\u4e0d\u5920\u56b4\u8b39\uff0c\u5c07\u767c\u751f\u8cc7\u7522\u8ca0\u50b5\u7ba1\u7406\u7684\u6d41\u52d5\u6027\u5371\u6a5f\uff0c\u751a\u81f3\u6700\u5f8c\u5c07\u91c0\u6210\u5b58\u6b3e\u6236\u7684\u6050\u614c\u6027\u64e0\u514c\uff0c\u9020\u6210\u9280\u884c\u81ea\u6211\u5be6\u73fe\u7684\u5012\u9589\u554f\u984c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp; \u4e09\u6708\u958b\u59cb\u7f8e\u570b\u5e7e\u5bb6\u4e2d\u5c0f\u578b\u9280\u884c\u9678\u7e8c\u767c\u751f\u91d1\u878d\u5371\u6a5f\uff0c\u5148\u662f\u9280\u9580\u9280\u884c\uff08Silvergate Bank\uff09\u5ba3\u4f48\u4f9d\u7167\u76e3\u7ba1\u7a0b\u5e8f\u95dc\u9589\u9280\u884c\u66ab\u505c\u71df\u904b\uff0c\u63a5\u8457\u77fd\u8c37\u9280\u884c\uff08Silicon Valley Bank; SVB\uff09\u3001\u6a19\u8a8c\u9280\u884c\uff08Signature Bank\uff09\u63a5\u9023\u7834\u7522\uff0c\u6700\u5f8c\u88ab\u806f\u90a6\u5b58\u6b3e\u4fdd\u96aa\u516c\u53f8\uff08FDIC\uff09\u63a5\u7ba1\uff1b\u4e4b\u5f8c\uff0c\u7b2c\u4e00\u5171\u548c\u9280\u884c\uff08First Republic Bank\uff09\u4e00\u5ea6\u9760\u5341\u4e00\u5bb6\u5927\u578b\u9280\u884c\u5171\u540c\u5b58\u5165\u4e09\u767e\u5104\u7f8e\u5143\u8cc7\u91d1\u63d0\u4f9b\u6d41\u52d5\u6027\uff0c\u4f46\u6490\u4e0d\u4e86\u592a\u4e45\u4e5f\u88ab\u63a5\u7ba1\uff0c\u7531\u6469\u6839\u5927\u901a\uff08JP Morgan\uff06 Chase\uff09\u6982\u62ec\u627f\u53d7\u5168\u90e8\u5b58\u6b3e\u548c\u591a\u6578\u8cc7\u7522\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp; \u4ee5\u5168\u7f8e\u7b2c\u5341\u516d\u5927\u7684\u77fd\u8c37\u9280\u884c\u7834\u7522\u70ba\u4f8b\uff0cSVB\u6240\u6301\u6709\u8cc7\u7522\u4e2d\u5c07\u8fd1\u4e09\u5206\u4e4b\u4e8c\u6295\u5165\u539f\u672c\u8a8d\u5b9a\u70ba\u9ad8\u6d41\u52d5\u6027\u7684\u4e0d\u52d5\u7522\u62b5\u62bc\u8cb8\u6b3e\u8b49\u5238\uff08MBS\uff09\uff0c\u4f46\u7531\u65bcFED\u5feb\u901f\u5347\u606f\uff0cMBS\u8cc7\u7522\u7684\u5e02\u50f9\u5feb\u901f\u4e0b\u8dcc\uff0c\u6f14\u8b8a\u6210\u8cc7\u7522\u4e0d\u62b5\u8ca0\u50b5\u50f9\u503c\u7684\u5be6\u8cea\u6027\u7834\u7522\u72c0\u6cc1\uff0c\u5b58\u6b3e\u6236\u7684\u6050\u614c\u6027\u64e0\u514c\uff0c\u66f4\u9020\u6210\u5b58\u6b3e\u7684\u5feb\u901f\u6d41\u5931\uff0c\u6700\u5f8c\u7576\u7136\u5ba3\u544a\u7834\u7522\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp; \u800c\u91d1\u878d\u6a5f\u69cb\u5f7c\u6b64\u696d\u52d9\u5f80\u4f86\u5bc6\u5207\uff0c\u91d1\u878d\u5371\u6a5f\u5177\u6709\u9ad8\u5ea6\u7684\u50b3\u5c0e\u6548\u61c9\uff0c\u67d0\u4e00\u5bb6\u91d1\u878d\u9ad4\u7cfb\u767c\u751f\u5371\u6a5f\uff0c\u5f80\u5f80\u9023\u52d5\u9020\u6210\u5176\u4ed6\u91d1\u878d\u6a5f\u69cb\u7684\u9245\u984d\u640d\u5931\uff0c\u82e5\u4e0d\u53ca\u6642\u6436\u6551\u51fa\u554f\u984c\u7684\u9280\u884c\uff0c\u5c07\u9020\u6210\u5b58\u6b3e\u5927\u773e\u5c0d\u91d1\u878d\u9ad4\u7cfb\u7684\u4fe1\u5fc3\u52d5\u6416\uff0c\u5f80\u5f80\u5f15\u767c\u5176\u4ed6\u91d1\u878d\u6a5f\u69cb\u7684<a href=\"https:\/\/wiki.mbalib.com\/zh-tw\/%E6%8C%A4%E6%8F%90\">\u64e0\u514c\u6548\u61c9<\/a>\uff0c\u751a\u81f3\u51fa\u73fe\u5168\u9762\u6027\u7684\u91d1\u878d\u6050\u614c\uff0c\u91c0\u6210\u6574\u9ad4\u91d1\u878d\u9ad4\u7cfb\u7684\u7cfb\u7d71\u6027\u5371\u6a5f\uff0c\u751a\u81f3\u5f15\u767c\u91d1\u878d\u9ad4\u7cfb\u7684\u5d29\u6f70\u3002\u800c\u91d1\u878d\u9ad4\u7cfb\u7684\u4fe1\u8cb8\u7dca\u7e2e\u73fe\u8c61\uff0c\u66f4\u5c07\u9020\u6210\u5be6\u9ad4\u7d93\u6fdf\u7684\u9577\u671f\u56b4\u91cd\u8870\u9000\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp; \u96d6\u7136\u7f8e\u570b\u8ca1\u653f\u90e8\u3001\u806f\u6e96\u6703\u4ee5\u53ca\u806f\u90a6\u5b58\u6b3e\u4fdd\u96aa\u516c\u53f8\u7576\u6642\u5ba3\u5e03\u5c07\u806f\u624b\u4fdd\u969c\u5169\u5bb6\u9280\u884c\u7684\u6240\u6709\u5b58\u6b3e\u5168\u6578\u53d7\u5230\u4fdd\u969c\uff0c\u4e0d\u53d7\u4e8c\u5341\u4e94\u842c\u7f8e\u91d1\u4e0a\u9650\u5f71\u97ff\uff0c\u8ca1\u653f\u90e8\u66f4\u4ee5\u5916\u532f\u7a69\u5b9a\u57fa\u91d1\u652f\u6301FED\u63a8\u51fa\u300c\u9280\u884c\u5b9a\u671f\u878d\u8cc7\u8a08\u756b\u300d(Bank Term Funding Program; BTFP)\uff0c\u4ee5\u9019\u500b\u65b0\u6d41\u52d5\u6027\u5de5\u5177\u4f86\u5354\u52a9\u9762\u81e8\u6d41\u52d5\u6027\u5371\u6a5f\u7684\u9280\u884c\uff0c\u53ef\u4ee5\u5c07\u6301\u6709\u7684\u62b5\u62bc\u54c1\u4ee5\u4e00\u25cb\u25cb\uff05\u5168\u984d\u9762\u503c\u4f86\u501f\u5230\u8cb8\u6b3e\uff0c\u4f9b\u9280\u884c\u71df\u904b\u9031\u8f49\u9700\u8981\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a0 \u4f46\u7f8e\u570b\u4e09\u6708\u7684\u4e2d\u5c0f\u578b\u9280\u884c\u5012\u9589\uff0c\u5b58\u6b3e\u5728\u5341\u56db\u5929\u5167\u6d41\u5931\u4e8c\u4e09\u4e8c\u4e94\u5104\u7f8e\u5143\uff0c\u5927\u578b\u9280\u884c\u5b58\u6b3e\u4e5f\u96a8\u4e4b\u9023\u52d5\u6d41\u5931\uff0c\u5927\u578b\u9280\u884c\u6574\u9ad4\u8cc7\u91d1\u5b58\u91cf\u4e0b\u964d\u5230\u5341\u2022\u516d\u5146\u7f8e\u5143\u3002\u800c\u6d41\u5931\u7684\u8cc7\u91d1\u591a\u6578\u8f49\u5f80<a href=\"https:\/\/wiki.mbalib.com\/zh-tw\/%E8%B4%A7%E5%B8%81%E5%B8%82%E5%9C%BA%E5%9F%BA%E9%87%91\">\u8ca8\u5e63\u5e02\u5834\u57fa\u91d1<\/a>\uff08Money Market Funds; MMF\uff09\uff0c\u5176\u8cc7\u91d1\u898f\u6a21\u5feb\u901f\u589e\u52a0\u3002\u81f3\u4eca\u5927\u91cf\u7684\u5b58\u6b3e\u8cc7\u91d1\u4ecd\u672a\u56de\u6d41\u91d1\u878d\u6a5f\u69cb\uff0c\u986f\u793a\u76e3\u7406\u6a5f\u95dc\u4e26\u672a\u91cd\u62fe\u5927\u773e\u5c0d\u91d1\u878d\u9ad4\u7cfb\u7a69\u5065\u80fd\u6709\u8db3\u5920\u7684\u4fe1\u5fc3\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a0 \u5c0d\u9280\u884c\u9ad4\u7cfb\u4fe1\u5fc3\u4e0d\u8db3\u7684\u91d1\u878d\u5371\u6a5f\u5df2\u7d93\u64f4\u6563\u5230\u7b2c\u4e00\u5171\u548c\u9280\u884c\u53ca\u5176\u4ed6\u4e2d\u578b\u9280\u884c\u3002\u4e94\u6708\u4e00\u65e5\u7b2c\u4e00\u5171\u548c\u9280\u884c\u88ab\u806f\u90a6\u5b58\u6b3e\u4fdd\u96aa\u516c\u53f8\u63a5\u7ba1\uff0c\u4e26\u7acb\u523b\u51fa\u552e\u7d66\u6469\u6839\u5927\u901a\uff0c\u6210\u70ba\u7f8e\u570b\u6b77\u53f2\u4e0a\u7b2c\u4e8c\u5927\u898f\u6a21\u7684\u9280\u884c\u5012\u9589\u4e8b\u4ef6\uff0c\u66f4\u662f\u77fd\u8c37\u9280\u884c\u548c\u7c3d\u540d\u9280\u884c\u5f8c\uff0c\u5169\u500b\u6708\u5167\u5012\u9589\u7684\u7b2c\u4e09\u5bb6\u9280\u884c\u3002\u4e94\u6708\u521d\u7e3d\u90e8\u4f4d\u65bc\u6d1b\u6749\u78ef\u7684<a href=\"https:\/\/zh.wikipedia.org\/zh-tw\/%E8%A5%BF%E5%A4%AA%E5%B9%B3%E6%B4%8B%E9%8A%80%E8%A1%8C\">\u897f\u592a\u5e73\u6d0b\u9280\u884c<\/a>\uff08PacWest Bancorp\uff09\u5728\u5167\u7684\u5e7e\u5bb6\u5340\u57df\u6027\u9280\u884c\uff0c\u56e0\u516c\u4f48\u7684\u7b2c\u4e00\u5b63\u8ca1\u5831\u986f\u793a\u5b58\u6b3e\u898f\u6a21\u5927\u5e45\u4e0b\u964d\u800c\u9020\u6210\u80a1\u50f9\u5927\u5e45\u4e0b\u8dcc\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00a0 \u6574\u9ad4\u800c\u8a00\uff0c\u7f8e\u570b\u653f\u5e9c\u8ca1\u653f\u9762\u7684\u50b5\u9650\u5371\u6a5f\u548c\u8ca8\u5e63\u653f\u7b56\u9762\u7684\u6307\u6a19\u5229\u7387\u5feb\u901f\u5347\u606f\uff0c\u5169\u8005\u90fd\u5c0d\u91d1\u878d\u9ad4\u7cfb\u7684\u7a69\u5b9a\u5f62\u6210\u56b4\u91cd\u7684\u885d\u64ca\u3002\u4e00\u65e6\u6709\u4e00\u5bb6\u91d1\u878d\u6a5f\u69cb\u9762\u81e8\u91d1\u878d\u5371\u6a5f\uff0c\u76e3\u7406\u55ae\u4f4d\u4e0d\u5feb\u901f\u7a4d\u6975\u884c\u52d5\uff0c\u53c8\u64d4\u5fc3\u6050\u614c\u8513\u5ef6\u91c0\u6210\u6574\u9ad4\u91d1\u878d\u9ad4\u7cfb\u7684\u5371\u6a5f\u3002\u800c\u91d1\u878d\u6a5f\u69cb\u300c\u5927\u5230\u4e0d\u80fd\u5012\u300d\u7684\u554f\u984c\u53c8\u5c07\u9020\u6210\u9280\u884c\u7d93\u71df\u8005\u7684\u9053\u5fb7\u98a8\u96aa\uff0c\u5f92\u589e\u63a5\u7ba1\u7684\u793e\u6703\u6210\u672c\u3002\u5982\u4f55\u6301\u7e8c\u4ee5\u500b\u9ad4\u8207\u7e3d\u9ad4\u5be9\u614e\u76e3\u7406\u653f\u7b56\u4f86\u63d0\u5347\u91d1\u878d\u76e3\u7406\u63aa\u65bd\uff0c\u8981\u6c42\u91d1\u878d\u6a5f\u69cb\u63d0\u9ad8\u6d41\u52d5\u6027\u7ba1\u7406\u80fd\u529b\uff0c\u6216\u5982Basel III \u5efa\u8b70\u8981\u6c42\u9280\u884c\u589e\u63d0<a href=\"https:\/\/zh.wikipedia.org\/zh-tw\/%E9%80%86%E5%91%A8%E6%9C%9F%E7%B7%A9%E8%A1%9D%E8%B3%87%E6%9C%AC\">\u6297\u5faa\u74b0\u8cc7\u672c\u7de9\u885d<\/a>(countercyclical capital buffer)\uff0c\u767c\u884c\u80fd\u5438\u6536\u640d\u5931\u7684\u91d1\u878d\u8cc7\u7522\uff0c\u4f8b\u5982<a href=\"https:\/\/fr.wikipedia.org\/wiki\/Total_Loss_Absorbing_Capacity\">TLAC<\/a>(Total Loss-Absorbing Capacity)\u3001\u6216\u6709<a href=\"https:\/\/zh.wikipedia.org\/zh-tw\/%E6%87%89%E6%80%A5%E5%8F%AF%E8%BD%89%E5%82%B5\">\u53ef\u8f49\u63db\u50b5\u5238<\/a>(Contingent Convertible Bonds; CoCo Bond)\u3001<a href=\"https:\/\/www.ezfunds.com.tw\/Article\/Content\/8597?after=True\">\u984d\u5916\u4e00\u7d1a\u8cc7\u672c<\/a>(Additional Tier 1; AT1)\u50b5\u5238\uff0c\u6216\u662f\u8981\u6c42<a href=\"https:\/\/zh.wikipedia.org\/zh-tw\/%E7%B3%BB%E7%BB%9F%E9%87%8D%E8%A6%81%E6%80%A7%E9%87%91%E8%9E%8D%E6%9C%BA%E6%9E%84\">\u7cfb\u7d71\u91cd\u8981\u6027\u9280\u884c<\/a>(SIBs)\u63d0\u9ad8\u8cc7\u672c\u9069\u8db3\u8981\u6c42\u7b49\uff0c\u9019\u4e9b\u90fd\u662f\u6709\u6548\u63d0\u5347\u91d1\u878d\u9ad4\u7cfb\u97cc\u6027(Resilience)\u7684\u505a\u6cd5\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u6587\/\u9673\u9326\u7a37 &nbsp; \u7f8e\u570b\u653f\u5e9c\u7684\u300c\u50b5\u52d9\u4e0a\u9650\uff08Debt Limit\uff09\u300d\u5371\u6a5f\u6700\u5feb\u5c07\u5728\u4e8c\u25cb\u4e8c\u4e09\u5e74\u516d\u6708\u521d\u5230\u4f86\uff0c\u5c46\u6642 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