Tarihin Kasawar Banki: Darussan Da Aka Koyi Daga Rugujewar Bankin Silicon Valley a 2023

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Sakamakon

Rashin gazawar banki ya kasance jigon da ake ta maimaitawa a cikin tsarin hada-hadar kudi shekaru aru-aru. Rushewar bankin Silicon Valley na kwanan nan, wanda ya fara a farkon 2023, shine sabon tunatarwa game da wannan. Rashin gazawar banki na iya haifar da cikas ga tattalin arziƙin, kuma suna iya yin tasiri mai yawa akan kasuwanci da daidaikun mutane.

Za mu kalli wasu manyan gazawar banki a tarihi, gami da Bankin Silicon Valley, da kuma bincika musabbabin su da illolinsu.

Muhimman gazawar Banki a Tarihi

Continental Illinois National Bank and Trust - 1984

Continental Illinois babban banki ne a Amurka wanda ya rushe a cikin 1984 saboda fallasa shi ga munanan lamuni. Rugujewar bankin dai wani lamari ne mai matukar muhimmanci a harkar hada-hadar kudi, kuma hakan ya haifar da tattaunawa mai zurfi game da rawar da gwamnati ke takawa wajen magance matsalolin kudi.

• Asara: Kimanin dala biliyan 40

Bank of Credit and Commerce International (BCCI) - 1991

BCCI wani banki ne na duniya wanda ya ruguje a shekarar 1991 saboda yadda yake da hannu wajen safarar kudade da sauran ayyukan haram. Rugujewar bankin wani lamari ne mai matukar muhimmanci a harkar hada-hadar kudi, kuma hakan ya haifar da tattaunawa mai zurfi game da tsari da sa ido a bangaren banki.

• Asara: Kimanin dala biliyan 20

Bankin Barings - 1995

Bankin Barings Bankin zuba jari ne na Biritaniya wanda ya ruguje a shekarar 1995 saboda ayyukan wani dan kasuwa mai damfara. Rushewar bankin ya kasance wani muhimmin al'amari a cikin masana'antar hada-hadar kudi, kuma hakan ya haifar da tattaunawa mai fa'ida game da kula da kasada da kuma kula da cibiyoyin hada-hadar kudi.

• Asara: Kimanin dala biliyan 1.4

Yamashiro Bank - 1998

Yamashiro Bank wani banki ne na yanki da ke Japan wanda ya shahara da ayyukan bada lamuni masu haɗari. A shekarar 1998, bankin ya ruguje saboda fallasa shi ga munanan lamuni, kuma daga karshe gwamnatin Japan ta mayar da shi kasa. Rushewar bankin Yamashiro wani babban lamari ne a kasar Japan, kuma ya haifar da rikicin kudi da ya dau tsawon shekaru.

• Asara: Kimanin dala biliyan 250

Lehman Brothers - 2008

Lehman Brothers wani banki ne na saka hannun jari na duniya wanda ya ruguje a shekara ta 2008 saboda fallasa shi ga jinginar gidaje. Rushewar Lehman Brothers wani lamari ne mai mahimmanci a cikin rikicin kuɗi na 2008, kuma ya yi tasiri sosai ga tattalin arzikin duniya. Rashin gazawar bankin ya haifar da daskarewa a kasuwannin lamuni, wanda ya haifar da koma bayan tattalin arziki da aka kwashe shekaru da yawa ana yi.

• Asara: Kimanin dala biliyan 600

Washington Mutual - 2008

Washington Mutual babban bankin ajiya ne da lamuni mai tushe a Amurka. Bankin ya ruguje a shekara ta 2008 saboda fallasa shi ga jinginar gidaje, kuma a ƙarshe JPMorgan Chase ya samu. Rushewar Mutual na Washington ya kasance wani muhimmin al'amari a cikin rikicin kuɗi na 2008, kuma ya ba da gudummawa ga daskare mafi girma a kasuwannin bashi.

• Asara: Kimanin dala biliyan 307

IndyMac Bank - 2008

Bankin IndyMac wani banki ne na yanki da ke Amurka wanda ya ruguje a cikin 2008 saboda fallasa shi ga jinginar gidaje. Rugujewar bankin wani muhimmin lamari ne a rikicin kudi na 2008, kuma ya ba da gudummawa ga daskare sosai a kasuwannin bashi.

• Asara: Kimanin dala biliyan 32

Bankin Silicon Valley - 2023

Bankin silicon Valley banki ne na Amurka wanda ke mai da hankali kan samar da ayyukan kudi ga kamfanonin fasaha da kere-kere. A farkon shekarar 2023, bankin ya fara fuskantar matsaloli masu yawa na kudi saboda fallasa shi ga munanan lamuni da kuma dogaro da bangaren fasaha. Matsalolin da bankin ke fama da shi ya haifar da damuwa sosai a tsakanin masu zuba jari da masu shiga kasuwa, kuma ana fargabar rugujewar bankin na iya yin tasiri sosai ga tattalin arzikin kasar.

An ce SVB yana riƙe kusan dala biliyan 212.

Tunzura shi gabã ɗaya

Rashin gazawar banki ya kasance jigon da ake ta maimaitawa a cikin masana'antar hada-hadar kudi shekaru aru-aru. Yayin da wasu gazawar bankunan na faruwa ne saboda zamba ko aikata laifuka, galibin su na faruwa ne sakamakon rashin kula da hatsari, da dogaro da wasu sassa ko kasuwanni, da dai sauransu.

Rushewar bankin Silicon Valley a cikin 2023 tunatarwa ce cewa hatta bankunan da ke da suna mai karfi da mai da hankali kan kirkire-kirkire na iya zama masu rauni ga matsalolin kudi. Yana da mahimmanci ga masu mulki da masu shiga kasuwa su kasance a faɗake kuma su tabbatar da cewa an daidaita bankunan yadda ya kamata da kuma sarrafa su don hana gazawar banki a nan gaba.