美联储监管人员未采取“迅速果断行动”阻止硅谷银行倒闭

投资观察09-18 21:58

0956 ET - 美联储理事会负责监管的副主席米歇尔·鲍曼（Michelle Bowman）在伦敦发表讲话，公布了针对硅谷银行（SVB）2023年倒闭事件的独立审查初步结果。她指出：“硅谷银行的倒闭源于多重脆弱性交汇作用，其中包括其证券投资组合中未实现但真实存在的会计损失，这些损失已超过其资本规模。”鲍曼同时强调，美联储的监管人员早在2022年3月就已意识到或理应意识到这些风险隐患。

据其讲话文稿显示，“监管人员未能迅速而果断地采取行动，以督促或要求硅谷银行降低其利率风险或风险集中度。”鲍曼认为，长期存在的风险规避文化是导致监管不作为的一个重要因素。此番言论凸显了监管体系在关键时刻的迟缓反应与制度惰性。（完）

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