是美国历史上按照asset 倒闭的第二大银行 One, SVB was incredibly integrated into the lives of many founders. Not just their startup''s bank & lender, but also provided personal mortgages and other financial services. A whole mess for FDIC (or the eventual buyer) to unwind. 第一，SVB被令人难以置信的融入了许多创始人的生活。不仅他们初创公司的银行和贷款人，还提供个人抵押贷款和其他金融服务。FDIC（或最终买家）要面料一堆烂帐，非常头疼
Two, any "uninsured" balances at SVB - those above $250K - are in jeopardy. FDIC plans to pay them out "as it sells the assets of SVB". Lots of startups exclusively banked with SVB as *this was a covenant of their debt*!
第二，SVB的任何“无保险”余额（超过25万美元）都处于危险之中。FDIC计划“在出售SVB的资产时”支付他们。许多初创公司专门使用SVB，因为*这是他们债务的契约*！ CEOs yesterday faced a hard choice: Pull your deposits and go into default on your venture debt or risk losing everything if the bank failed. Many chose to hold tight as SVB''s outright failure seemed outlandish. 现在他们可能无法在下周发工资。无薪工资穿透了公司的面纱，因此董事会对雇用他们可能无法支付的工人非常敏感。 预计今天晚些时候，最迟周一会有大规模裁员。 鉴于融资环境薄弱，一些初创公司一直依赖风险贷款人——例如SVB——没有积极寻求债务摊销或触发契约脚过失（例如现金余额）的违约。FDIC将如何处理这件事？大规模违约？ 还有一件事：SVB还向许多创始人提供*财富管理服务*。因此，您的公司贷款人、公司银行、个人抵押贷款人和家庭的财富经理都是......一家银行，现在由FDIC接管。有趣。
One, SVB was incredibly integrated into the lives of many founders. Not just their startup''s bank & lender, but also provided personal mortgages and other financial services. A whole mess for FDIC (or the eventual buyer) to unwind. 第一，SVB被令人难以置信的融入了许多创始人的生活。不仅他们初创公司的银行和贷款人，还提供个人抵押贷款和其他金融服务。FDIC（或最终买家）要面料一堆烂帐，非常头疼
Two, any "uninsured" balances at SVB - those above $250K - are in jeopardy. FDIC plans to pay them out "as it sells the assets of SVB". Lots of startups exclusively banked with SVB as *this was a covenant of their debt*!
第二，SVB的任何“无保险”余额（超过25万美元）都处于危险之中。FDIC计划“在出售SVB的资产时”支付他们。许多初创公司专门使用SVB，因为*这是他们债务的契约*！
CEOs yesterday faced a hard choice: Pull your deposits and go into default on your venture debt or risk losing everything if the bank failed. Many chose to hold tight as SVB''s outright failure seemed outlandish.
现在他们可能无法在下周发工资。无薪工资穿透了公司的面纱，因此董事会对雇用他们可能无法支付的工人非常敏感。
预计今天晚些时候，最迟周一会有大规模裁员。
鉴于融资环境薄弱，一些初创公司一直依赖风险贷款人——例如SVB——没有积极寻求债务摊销或触发契约脚过失（例如现金余额）的违约。FDIC将如何处理这件事？大规模违约？
还有一件事：SVB还向许多创始人提供*财富管理服务*。因此，您的公司贷款人、公司银行、个人抵押贷款人和家庭的财富经理都是......一家银行，现在由FDIC接管。有趣。