Imbali yokungaphumeleli kweBhanki: Izifundo ezifundwe ekuweni kweSilicon Valley Bank ngo-2023.

Inkonzo yokurhweba ikopi. I-Algo yethu ivula ngokuzenzekelayo kwaye ivale urhwebo.

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Imirhumo yenyanga iqala kwi-£58.

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IINKCUKACHA

IINKCUKACHA

Ukungaphumeleli kwebhanki kube ngumxholo oqhubekayo kwinkqubo yezemali kangangeenkulungwane. Ukuwa kwamva nje kweSilicon Valley Bank, eqale ekuqaleni kuka-2023, sisikhumbuzo samva nje soku. Ukungaphumeleli kwebhanki kunokubangela ukuphazamiseka okukhulu kuqoqosho, kwaye kunokuba nemiphumo enzulu kumashishini nakubantu ngabanye.

Siza kujonga ezinye zezona ntsilelo zebhanki ezibaluleke kakhulu kwimbali, kubandakanya iSilicon Valley Bank, kwaye siphonononge oonobangela neziphumo zabo.

Iintsilelo eziBalulekileyo zeBhanki kwiMbali

I-Continental Illinois National Bank kunye neTrasti-1984

I-Continental Illinois yayiyibhanki enkulu esekelwe eUnited States eyathi yawa ngo-1984 ngenxa yokuvezwa kwayo kwiimali mboleko ezimbi. Ukuwa kwale bhanki kwaba sisiganeko esibalulekileyo kushishino lwemali, kwaye kukhokelele kwingxoxo ebanzi malunga nendima karhulumente ekulawuleni iingxaki zemali.

• Ilahleko: Malunga neebhiliyoni ezingama-40 zeedola

IBhanki yeTyala kunye noRhwebo lwamazwe ngamazwe (BCCI) - 1991

I-BCCI yayiyibhanki yehlabathi eyathi yawa ngo-1991 ngenxa yokubandakanyeka ekurhwetyweni kwemali kunye nezinye izinto ezingekho mthethweni. Ukuwa kwale bhanki kwaba sisiganeko esibalulekileyo kushishino lwemali, kwaye kukhokelele kwingxoxo ebanzi malunga nolawulo kunye nokongamela kwicandelo leebhanki.

• Ilahleko: Malunga neebhiliyoni ezingama-20 zeedola

IBhanki yaseBarings - ngo-1995

IBhanki yaseBarings yayiyibhanki yotyalo-mali yaseBritane eyawa ngo-1995 ngenxa yezenzo zomrhwebi okhohlakeleyo. Ukuwa kwebhanki kwaba sisiganeko esibalulekileyo kwishishini lezemali, kwaye kwakhokelela kwingxoxo ebanzi malunga nokulawulwa komngcipheko kunye nolawulo kumaziko emali.

• Ilahleko: Malunga neebhiliyoni ezingama-1.4 zeedola

Yamashiro Bank — 1998

IBhanki yaseYamashiro yayiyibhanki yengingqi eseJapan eyayisaziwa ngomngcipheko ophezulu wokuboleka imali. Ngo-1998, ibhanki yawa ngenxa yokuvezwa kwayo kwimali-mboleko engalunganga, kwaye ekugqibeleni yakhutshwa ngurhulumente waseJapan. Ukuwa kweBhanki yaseYamashiro yayisisiganeko esikhulu eJapan, kwaye ikhokelele kwingxaki yemali ebanzi eyathatha iminyaka.

• Ilahleko: Malunga neebhiliyoni ezingama-250 zeedola

Lehman Brothers - 2008

I-Lehman Brothers yayiyibhanki yotyalo-mali yehlabathi eyawa ngo-2008 ngenxa yokuvezwa kwayo kwi-subprime mortgages. Ukuwa kweLehman Brothers yaba sisiganeko esibalulekileyo kwintlekele yezemali ka-2008, kwaye yaba nefuthe elimandla kuqoqosho lwehlabathi. Ukungaphumeleli kwale bhanki kukhokelele ekudodobaleni kweemarike zamatyala, nto leyo ethe yanegalelo ekudodobaleni koqoqosho okuthathe iminyaka.

• Ilahleko: Malunga neebhiliyoni ezingama-600 zeedola

Washington Mutual - 2008

IWashington Mutual yayiyibhanki enkulu yokonga kunye nemali-mboleko esekelwe eMelika. Ibhanki yawa kwi-2008 ngenxa yokuvezwa kwayo kwi-subprime mortgages, kwaye ekugqibeleni yafunyanwa nguJPMorgan Chase. Ukuwa kweWashington Mutual yaba sisiganeko esibalulekileyo kwintlekele yezemali ka-2008, kwaye kube negalelo ekumiseni okubanzi kweemarike zamatyala.

• Ilahleko: Malunga neebhiliyoni ezingama-307 zeedola

I-IndyMac Bank-2008

I-IndyMac Bank yayiyibhanki yengingqi esekelwe e-United States eyawa ngo-2008 ngenxa yokuvezwa kwayo kwi-subprime mortgages. Ukuwohloka kwebhanki kwaba sisiganeko esibalulekileyo kwintlekele yezemali ka-2008, kwaye ibe negalelo ekumiseni okubanzi kweemarike zamatyala.

• Ilahleko: Malunga neebhiliyoni ezingama-32 zeedola

I-Silicon Valley Bank-2023

I-Silicon Valley Bank yibhanki esekwe e-US egxile ekuboneleleni ngeenkonzo zezemali kwiinkampani zobuchwepheshe kunye nokuvelisa izinto ezintsha. Ekuqaleni kuka-2023, ibhanki yaqala ukufumana ubunzima obukhulu bezemali ngenxa yokuvezwa kwayo kwiimali mboleko ezimbi kunye nokuthembela kakhulu kwicandelo letekhnoloji. Iingxaki zebhanki zibangele inkxalabo ebalulekileyo phakathi kwabatyali-mali kunye nabathathi-nxaxheba kwimarike, kwaye kukho uloyiko lokuba ukuwa kwayo kunokuba nefuthe elibonakalayo kuqoqosho olubanzi.

I-SVB kuthiwa ibambe malunga ne-212 yeebhiliyoni zeedola.

Ukuyibeka Konke

Ukungaphumeleli kwebhanki kuye kwaba ngumxholo oqhubekayo kwishishini lezemali kwiinkulungwane. Ngelixa ezinye iintsilelo zeebhanki zibangelwa bubuqhophololo okanye izenzo zolwaphulo-mthetho, uninzi lusisiphumo solawulo olubi lomngcipheko, ukuthembela kakhulu kumacandelo athile okanye iimarike, kunye nezinye izinto.

Ukuwa kweBhanki yaseSilicon Valley ngo-2023 kukukhumbuza ukuba kunye neebhanki ezinodumo oluqinileyo kunye nokugxila kwizinto ezintsha zinokuba sengozini kwiingxaki zemali. Kubalulekile ukuba abalawuli kunye nabathathi-nxaxheba beemarike bahlale bephaphile kwaye baqinisekise ukuba iibhanki zilawulwa ngokufanelekileyo kwaye zilawulwa ukuthintela ukusilela kweebhanki kwixesha elizayo.