原文标题：
Regulators unveil plan to assure depositors will get money after SVB collapse
监管单位揭露计画，保证SVB存户可以领钱
注: 我看了其他文章 似乎不是只能领25万保额内的钱 而是ALL money
原文连结：
CNBC https://tinyurl.com/bdec67ep
发布时间：
SUN, MAR 12 20236:16 PM EDT
记者署名：
Jeff Cox
原文内容：
Banking regulators devised a plan Sunday to backstop depositors and protect
financial institutions with money at Silicon Valley Bank, a critical step in
stemming a feared panic over the collapsed tech-focused institution.
银行监管机构周日提出计画协助存户及保护金融机构存于SVB的钱，在以科技公司为主要客
户的SVB倒下后，该计画是关键的一步，可阻止恐慌仔四窜。
In an anxiously awaited announcement from the Federal Reserve, the central
bank said it is creating a new Bank Term Funding Program aimed at
safeguarding institutions impacted by the SVB failure.
美联储终于发布一则众人早已望眼欲穿的公告，美联储说他会建立一NTFP方案以保护被SVB
倒闭所影响的机构
In addition, regulators said depositors at both SVB and Signature Bank in New
York, which also has been closed, will have full access to their deposits.
还有，监管机构也说SVB及坐落在纽约、已倒闭了的Signature银行，两间银行的存户将可
完全存取它们的资金
A joint statement also said there would be no bailouts and no taxpayer costs
associated with any of the new plans.
一个联合声明也说，该计画不会与纾困计画有关，亦不会跟纳税人的成本有关
“Today we are taking decisive actions to protect the U.S. economy by
strengthening public confidence in our banking system,” said a joint
statement from Fed Chair Jerome Powell, Treasury Secretary Janet Yellen and
FDIC Chair Martin Gruenberg.
韭在今天，我们做出决定性的行动，借由加强大众对银行系统的信心，来保护大美利坚合
众国的经济。这是臭鲍、叶伦和格卢柏格(FDIC主席)说的
The Fed facility will offer loans of up to one year to banks, saving
associations, credit unions and other institutions. Those taking advantage of
the facility will be asked to pledge high-quality collateral such as
Treasurys, agency debt and mortgage-backed securities.
美联储机关会提供一年的贷款给银行、储蓄互助协会、信用合作社及其他单
位。取得这些贷款的单位需要提供担保，最顶的那种，比如国债、政府机构债券或MBS
(MBS? 哪泥? 虽然第一手且正常的MBS是很安全啦 但是还是会怕怕的)
“This action will bolster the capacity of the banking system to safeguard
deposits and ensure the ongoing provision of money and credit to the economy,
” the Fed said in a statement. “The Federal Reserve is prepared to address
any liquidity pressures that may arise.”
美联储说这样可以提高银行系统的资金水位以保证可能会有的流动性或信用危机，我们准
备好了!我们对于未来任何流动性的压力严阵以待
The Treasury Department is providing up to $25 billion from its Exchange
Stabilization Fund as a backstop for the funding program.
财政部提供250亿美元，钱从外汇平准基金来的
Along with the facility, the Fed said it will ease conditions at its discount
window, which will use the same conditions as the BTFP.
除了撒250亿元外，美联储还说 干 我听不懂 反正就是提供宽松的条件，折价撒钱
Markets reacted positively to the developments, with futures tied to the Dow
Jones Industrial Average leaping more than 250 points in early trading.
市场已正向反应，到琼期货涨了250点喔！
The news came after Treasury Secretary Janet Yellen said Sunday morning that
there would be no SVB bailout.
叶伦阿姨早上才说不会给SVB纾困，下午就跟着Fed一起发表这个声明
“We’re not going to do that again. But we are concerned about depositors
and are focused on trying to meet their needs,” Yellen said on CBS’ “Face
the Nation.”
叶伦说我们真的不想搞纾困，然而同时我们也是很照顾存户的。
The SVB failure was the nation’s largest collapse of a financial institution
since Washington Mutual went under in 2008.
SVB是冠军！我是说它是自08年Washington Mutual倒闭以来，众多倒闭银行中的第一名。
The dramatic moves come just days after SVB, a key financing hub for tech
companies, reported that it was struggling, triggering a run on the bank’s
deposits.
过去几天真是太戏剧性了。
Authorities had spent the weekend looking for a larger institution to buy
SVB, but came up short. PNC was one interested buyer but backed out, a source
told CNBC’s Sara Eisen.
主管机关周末加班，寻找大一点的金融机构把SVB吃下，一个消息来源偷偷跟CNBC的人讲的
，PNC原是一个潜在的买家但后来又缩回去惹。
The scenario harkened back to the Sept. 15, 2008 of investment banking giant
Lehman Brothers, which also found itself insolvent and in search of a buyer.
The government also was unsuccessful in that case following a weekend of
wrangling, triggering the worst of the crisis.
这事件真的让人想起08年的九月十五号雷曼兄弟事件，政府想救但最后放弃，然后成为压
垮经济的最后一根稻草。
心得/评论：
好了，大家不用担心了，不管是个人户还是公司户，周一都可以拿钱了
钱从外汇平准基金来的。该存钱的存钱去，该领钱的领钱去。
我是觉得Fed这次动作很快，可能是担心这次新创公司受到影响，会引起不在预期之内的
股票大跌，本小鲁其实也很好奇：流动性危机跟通膨危机，到底先该管哪个?