Mbiri Yakulephera Kwa Mabanki: Maphunziro Omwe Aphunziridwa Pakugwa kwa Silicon Valley Bank mu 2023.

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Kulephera kwa mabanki kwakhala nkhani yazachuma kwa zaka mazana ambiri. Kugwa kwaposachedwa kwa Silicon Valley Bank, komwe kudayamba koyambirira kwa 2023, ndiye chikumbutso chaposachedwa cha izi. Kulephera kwa mabanki kumatha kusokoneza kwambiri chuma, ndipo kumatha kukhala ndi zotsatirapo zazikulu pamabizinesi ndi anthu.

Tiwona zina mwazolephera zazikulu zamabanki m'mbiri, kuphatikiza Silicon Valley Bank, ndikuwunika zomwe zimayambitsa ndi zotsatira zake.

Kulephera Kwambiri Kwabanki M'mbiri

Continental Illinois National Bank ndi Trust - 1984

Continental Illinois inali banki yayikulu yochokera ku United States yomwe idagwa mu 1984 chifukwa chokumana ndi ngongole zoyipa. Kugwa kwa bankiyi kudali chochitika chofunikira kwambiri pazachuma, ndipo zidayambitsa kukambirana mozama za udindo wa boma pakuwongolera mavuto azachuma.

• Kutayika: Pafupifupi $ 40 biliyoni

Bank of Credit and Commerce International (BCCI) - 1991

BCCI inali banki yapadziko lonse lapansi yomwe idagwa mchaka cha 1991 chifukwa chotenga nawo gawo pakuba ndalama ndi zinthu zina zosaloledwa. Kugwa kwa banki kunali chochitika chofunikira kwambiri pazachuma, ndipo zidapangitsa kuti pakhale kukambirana mozama za malamulo ndi kuyang'anira mabanki.

• Kutayika: Pafupifupi $ 20 biliyoni

Barings Bank - 1995

Barings Bank inali banki yazachuma yaku Britain yomwe idagwa mu 1995 chifukwa cha zomwe wamalonda wachinyengo adachita. Kugwa kwa banki kunali chochitika chofunika kwambiri pazachuma, ndipo zinayambitsa kukambirana mozama za kayendetsedwe ka zoopsa ndi kuwongolera m'mabungwe azachuma.

• Kutayika: Pafupifupi $ 1.4 biliyoni

Yamashiro Bank - 1998

Yamashiro Bank inali banki yachigawo yomwe ili ku Japan yomwe imadziwika chifukwa cha kubwereketsa kwake pachiwopsezo chachikulu. Mu 1998, bankiyo idagwa chifukwa chokumana ndi ngongole zoyipa, ndipo pamapeto pake idakhazikitsidwa ndi boma la Japan. Kugwa kwa Yamashiro Bank kunali chochitika chachikulu ku Japan, ndipo kudadzetsa vuto lalikulu lazachuma lomwe lidatenga zaka zambiri.

• Kutayika: Pafupifupi $ 250 biliyoni

Lehman Brothers - 2008

Lehman Brothers anali banki yazachuma padziko lonse lapansi yomwe idagwa mu 2008 chifukwa chodziwika ndi ngongole zanyumba za subprime. Kugwa kwa a Lehman Brothers kunali chochitika chachikulu muvuto lazachuma la 2008, ndipo kudakhudza kwambiri chuma cha padziko lonse lapansi. Kulephera kwa bankiyo kudapangitsa kuti misika yangongole yayimitsidwe, zomwe zidapangitsa kuti chuma chigwere kwazaka zambiri.

• Kutayika: Pafupifupi $ 600 biliyoni

Washington Mutual - 2008

Washington Mutual inali banki yayikulu yosungira ndi ngongole ku United States. Bankiyi idagwa mu 2008 chifukwa chodziwika ndi ngongole zanyumba za subprime, ndipo pamapeto pake idagulidwa ndi JPMorgan Chase. Kugwa kwa Washington Mutual kunali chochitika chofunikira kwambiri muvuto lazachuma la 2008, ndipo kunathandizira kuti misika yangongole iwonongeke.

• Kutayika: Pafupifupi $ 307 biliyoni

IndyMac Bank - 2008

IndyMac Bank inali banki yachigawo yomwe ili ku United States yomwe inagwa mu 2008 chifukwa chodziwika ndi ngongole za subprime. Kugwa kwa banki kunali chochitika chachikulu muvuto lazachuma la 2008, ndipo zidathandizira kuti misika yangongole iwonongeke.

• Kutayika: Pafupifupi $ 32 biliyoni

Silicon Valley Bank - 2023

Silicon Valley Bank ndi banki yochokera ku US yomwe imayang'ana kwambiri kupereka chithandizo chandalama kumakampani aukadaulo ndiukadaulo. Kumayambiriro kwa 2023, banki idayamba kukumana ndi mavuto azachuma chifukwa chokumana ndi ngongole zoyipa komanso kudalira kwambiri gawo laukadaulo. Mavuto a banki abweretsa nkhawa yayikulu pakati pa osunga ndalama ndi omwe akuchita nawo msika, ndipo pali mantha kuti kugwa kwake kungakhudze kwambiri chuma chambiri.

SVB akuti ili ndi pafupifupi $212 biliyoni.

Asanayambe Zonse Pamodzi

Kulephera kwa mabanki kwakhala nkhani yazachuma kwazaka mazana ambiri. Ngakhale kuti kulephera kwina kwa banki kumachitika chifukwa cha chinyengo kapena upandu, zambiri zimakhala chifukwa cha kusawongolera bwino ziwopsezo, kudalira kwambiri magawo kapena misika ina, ndi zina.

Kugwa kwa Silicon Valley Bank mu 2023 ndi chikumbutso kuti ngakhale mabanki omwe ali ndi mbiri yolimba komanso kuyang'ana pazatsopano akhoza kukhala pachiwopsezo cha mavuto azachuma. Ndikofunikira kuti owongolera ndi omwe akuchita nawo msika azikhala tcheru ndikuwonetsetsa kuti mabanki akuyendetsedwa moyenera ndikuwongolera kuti apewe kulephera kwa banki mtsogolo.