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\"\"<\/figure>\n\n\n\n

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\"\"\/<\/figure>\n\n\n\n

\u7ffb\u8bd1\uff1a<\/h2>\n\n\n\n

Recently, Silicon Valley Bank collapsed.<\/p>\n\n\n\n

It would be the first insured bank to fail in the United States in 2023 and the largest bank failure in the country since the 2008 global financial crisis.<\/p>\n\n\n\n

The Federal Deposit Insurance Corporation (FDIC) announced that financial regulators have shut down Silicon Valley Bank and taken over the bank’s deposits, citing illiquidity and insolvency.<\/p>\n\n\n\n

The causes of the failure of Silicon Valley banks<\/h3>\n\n\n\n

For the Silicon Valley bank failure, the Federal Deposit Insurance Corporation gave the reasons for illiquidity and insolvency.<\/p>\n\n\n\n

More specifically, the biggest reputational risk known to banking: a run!<\/p>\n\n\n\n

The core business of banks is to absorb deposits, pay interest on deposits to customers, then retain a certain amount of liquid funds, and use the remaining funds for investment such as loans to earn investment income. The profit earned by banks is the spread between investment income and deposit interest cost.<\/p>\n\n\n\n

After the customer deposits, some customers will withdraw money, as long as the bank retains sufficient liquidity funds, funds can be turned over.<\/p>\n\n\n\n

Imagine what would happen if all the customers withdrew all at once and the bank had already lent out most of the money?<\/p>\n\n\n\n

This leads to banks being unable to meet all their customers’ demand for withdrawals, and a vicious cycle begins. Customers become panicked and rush to withdraw their money, a “run”.<\/p>\n\n\n\n

An important trigger for the collapse of Silicon Valley banks is the Federal Reserve’s interest rate hike:<\/h4>\n\n\n\n

1. Previously, Silicon Valley technology companies had sufficient funds and deposited most of their funds into Silicon Valley banks, which specialized in technology finance.<\/p>\n\n\n\n

2. Silicon Valley banks took a lot of deposits from tech companies and invested the money in low-interest government bonds.<\/p>\n\n\n\n

3, the Federal Reserve gradually raises interest rates, corporate financing interest is getting higher and higher, the outside financing can not get money, can only be deposited in the Silicon Valley bank deposits to take out.<\/p>\n\n\n\n

4. In order to meet the withdrawal needs of some enterprises, Silicon Valley Bank sold the government bonds in its hands, but at this time, the Federal Reserve has completed the interest rate hike, and the low-interest government bonds held by Silicon Valley Bank are no longer worth anything and can only be sold at a loss.<\/p>\n\n\n\n

5, technology companies see Silicon Valley Bank at a loss to sell Treasury bonds, guess that Silicon Valley Bank must be insufficient liquidity, they have to demand withdrawals.<\/p>\n\n\n\n

6, one or two companies to withdraw money, Silicon Valley bank can cope, now everyone to withdraw money, concubine can not do ah, then let the customer wait.<\/p>\n\n\n\n

7, for the Silicon Valley bank even deposit can not take out the news spread like wildfire, causing everyone to panic, and eventually caused a “run”.<\/p>\n\n\n\n

A warning to financial managers<\/h3>\n\n\n\n

Liquidity is greater than profitability<\/h4>\n\n\n\n

Fund management has the famous “three characteristics” principle, that is, “liquidity, profitability, security”.<\/p>\n\n\n\n

Liquidity refers to the funds that can be called at any time to meet business needs;<\/p>\n\n\n\n

Profitability refers to the idle funds to benefit through financial investment;<\/p>\n\n\n\n

Security refers to the risk level of capital investment to be within the scope of the enterprise.<\/p>\n\n\n\n

In the financial management of the General Manager of Finance, liquidity is always higher than profitability, even if the funds are idle, it is necessary to ensure that the book funds can meet the redemption demand at any time, which refers to the payment of wages, payment of suppliers, daily expenses, etc.<\/p>\n\n\n\n

Prevent supplier runs at any time<\/h4>\n\n\n\n

Supplier payment policy should be clear, and strive to pay according to the account period. If there are special circumstances that cannot be paid according to the account period, it is necessary to fully communicate with the supplier and obtain the understanding of the supplier in order to properly postpone the payment.<\/p>\n\n\n\n

If the delayed payment fails to gain the understanding of the supplier, and at the same time the supplier spreads to other suppliers such news as “so-and-so enterprise is failing”, then other suppliers will also be moved to ask for early payment, or even terminate cooperation, and do not continue to provide goods to such and so company.<\/p>\n\n\n\n

Once the suppliers collectively ask for money and stop supplying, the company will fall into a “run” crisis, and the entire business will be shut down.<\/p>\n\n\n\n

Financial managers should go out and get in touch with suppliers, seize the opportunity to publicize the good operation of the company to suppliers, and increase the confidence of suppliers to cooperate.<\/p>\n\n\n\n

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\"\"\/<\/figure>\n\n\n\n

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