銀行業危機加深：隨著共和國優先崩潰，美國第四家銀行倒閉

共和第一銀行是自 2023 年以來美國第四家倒閉的地區性銀行，其倒閉再次引發了人們對傳統金融機構穩定性的擔憂。這家總部位於賓州的銀行擁有 60 億美元資產和 40 億美元存款，被該州銀行和證券部沒收，標誌著今年第一家美國銀行倒閉。聯邦存款保險公司幹預，以促進存款和資產轉移到富爾頓銀行，而共和第一銀行的分行將以富爾頓銀行的名義重新開業。這次失敗突顯了小型銀行在當前經濟情勢下面臨的持續挑戰，並引發了加密社群內部的討論，引發了對傳統銀行體係安全性的質疑。

Banking Crisis Intensifies: Republic First Bank Collapses, Fourth US Lender Failure in Less than a Year

銀行業危機加劇：共和國第一銀行倒閉，不到一年內第四家美國銀行倒閉

Nairobi, Kenya (Coinchapter.com) - The United States banking industry has been dealt another significant blow with the failure of Republic First Bank, the fourth regional lender to collapse since March 2023. This latest failure has reignited concerns about the stability of traditional financial institutions and the potential for a systemic crisis.

肯亞內羅畢(Coinchapter.com) - 共和國第一銀行(Republic First Bank) 倒閉，美國銀行業再次遭受重大打擊，該銀行是自2023 年3 月以來第四家倒閉的地區銀行。了人們對傳統金融穩定性的擔憂。

The Pennsylvania Department of Banking and Securities seized Republic First Bank, a Philadelphia-based lender with $6 billion in total assets and $4 billion in deposits, on April 26, 2024. This marks the first US bank failure of the year, and the Federal Deposit Insurance Corporation (FDIC) has stepped in to arrange the transfer of substantially all deposits and assets to Fulton Bank.

2024 年4 月26 日，賓州銀行和證券部查封了位於費城的共和第一銀行(Republic First Bank)，該銀行擁有60 億美元的總資產和40 億美元的存款。家美國銀行倒閉，聯邦存款委員會保險公司（FDIC）已介入，安排將幾乎所有存款和資產轉移至富爾頓銀行。

Republic First's Demise

共和國第一的滅亡

Republic First Bank's 32 branches across New Jersey, Pennsylvania, and New York will reopen under the Fulton Bank name by the start of next week. The FDIC estimates the cost of this failure to its deposit insurance fund at approximately $667 million, a significant burden on the taxpayer-funded safety net.

共和第一銀行在新澤西州、賓州和紐約州的 32 家分行將於下週初以富爾頓銀行的名義重新開業。 FDIC 估計，這次失敗對其存款保險基金造成的損失約為 6.67 億美元，這對納稅人資助的安全網來說是一個沉重的負擔。

Systemic Challenges

系統性挑戰

Republic First Bank's collapse is a symptom of the ongoing challenges facing smaller banks in the current economic landscape. Rising interest rates, inflation, and competition from larger, more well-capitalized banks have created a difficult environment for smaller lenders.

共和第一銀行的倒閉是當前經濟情勢下小型銀行面臨持續挑戰的一個徵兆。不斷上升的利率、通貨膨脹以及來自規模更大、資本更雄厚的銀行的競爭，為小型銀行創造了一個困難的環境。

The string of bank failures in recent months has underscored the fragility of the banking system. Silicon Valley Bank, Signature Bank, and First Republic Bank all collapsed within a few months of each other, causing significant tremors in the financial sector.

近幾個月來一系列銀行倒閉凸顯了銀行體系的脆弱性。矽谷銀行、Signature銀行、第一共和銀行在幾個月內相繼倒閉，引起了金融界的重大震動。

Crypto Community Reacts

加密社群的反應

Republic First Bank's closure has sent shockwaves through the crypto community, raising questions about the security and stability of traditional banking. Many users on social media have highlighted the potential of decentralized finance and self-custody in cryptocurrencies as alternatives to traditional banking.

共和第一銀行的關閉在加密貨幣社區引起了衝擊，引發了人們對傳統銀行業務安全性和穩定性的質疑。社群媒體上的許多用戶強調了去中心化金融和加密貨幣自我託管作為傳統銀行業務替代品的潛力。

"Republic First Bank failure is worth a look since bank failures are the best possible narrative we can get for crypto," claimed Pillage Capital, a crypto trader.

加密貨幣交易商 Pillage Capital 表示：“共和國第一銀行的倒閉值得一看，因為銀行倒閉是我們對加密貨幣所能得到的最好的描述。”

Randi Hipper, a crypto commentator with a large following, questioned, "How many more banks need to fail before people start to be their own bank?"

擁有大量追隨者的加密貨幣評論員蘭迪·希佩爾 (Randi Hipper) 質疑道：“在人們開始成為自己的銀行之前，還需要多少家銀行倒閉？”

FDIC Insurance and Depositor Protection

FDIC 保險和儲戶保護

While the failure of Republic First Bank is a cause for concern, it is important to note that depositors are protected up to the legal limits by FDIC insurance. This means that the majority of depositors will not lose any money as a result of the bank's collapse.

雖然共和第一銀行的倒閉令人擔憂，但值得注意的是，儲戶受到 FDIC 保險的法律限制。這意味著大多數儲戶不會因銀行倒閉而損失任何金錢。

Systemic Risk and the FDIC's Role

系統性風險與 FDIC 的作用

However, the repeated bank failures raise questions about the FDIC's ability to handle a systemic crisis. The FDIC's deposit insurance fund is finite, and if multiple large banks were to fail simultaneously, it could potentially be overwhelmed.

然而，一再發生的銀行倒閉引發了人們對聯邦存款保險公司應對系統性危機的能力的質疑。聯邦存款保險公司的存款保險基金是有限的，如果多家大型銀行同時倒閉，它可能會不堪重負。

Regulators and policymakers must carefully assess the systemic risks posed by the ongoing banking crisis and take steps to strengthen the financial system and protect depositors.

監管機構和政策制定者必須仔細評估當前銀行業危機帶來的系統性風險，並採取措施加強金融體系並保護儲戶。

Conclusion

結論

The collapse of Republic First Bank is a stark reminder of the fragility of the traditional banking system. The string of bank failures in recent months has shaken trust in financial institutions and raised concerns about the stability of the economy.

共和第一銀行的倒閉清楚地提醒人們傳統銀行體系的脆弱性。近幾個月來一系列銀行倒閉動搖了人們對金融機構的信任，引發了人們對經濟穩定性的擔憂。

While the FDIC provides a safety net for depositors, it is essential to explore alternative models such as decentralized finance and self-custody to mitigate systemic risks and promote financial resilience. Regulators and policymakers must act swiftly to address the underlying challenges facing the banking industry and ensure the stability of the financial system.

雖然 FDIC 為儲戶提供了安全網，但必須探索去中心化金融和自我託管等替代模式，以減輕系統性風險並提高金融彈性。監管機構和政策制定者必須迅速採取行動，應對銀行業面臨的根本挑戰，確保金融體系的穩定。