银行业危机加深：随着共和国优先崩溃，美国第四家银行倒闭

共和第一银行是 2023 年以来美国第四家倒闭的地区性银行，其倒闭再次引发了人们对传统金融机构稳定性的担忧。这家总部位于宾夕法尼亚州的银行拥有 60 亿美元资产和 40 亿美元存款，被该州银行和证券部没收，标志着今年第一家美国银行倒闭。联邦存款保险公司进行干预，以促进存款和资产转移到富尔顿银行，而共和第一银行的分行将以富尔顿银行的名义重新开业。这次失败突显了小型银行在当前经济形势下面临的持续挑战，并引发了加密社区内部的讨论，引发了对传统银行系统安全性的质疑。

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

银行业危机加剧：共和国第一银行倒闭，不到一年内第四家美国银行倒闭

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.

肯尼亚内罗毕 (Coinchapter.com) - 共和国第一银行 (Republic First Bank) 倒闭，美国银行业再次遭受重大打击，该银行是自 2023 年 3 月以来第四家倒闭的地区银行。这一最新倒闭再次引发了人们对传统金融稳定性的担忧。制度和系统性危机的可能性。

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，宾夕法尼亚州银行和证券部查封了位于费城的共和第一银行 (Republic First Bank)，该银行拥有 60 亿美元的总资产和 40 亿美元的存款。这标志着今年第一家美国银行倒闭，联邦存款委员会保险公司（FDIC）已介入，安排将几乎所有存款和资产转移至富尔顿银行。

Republic First's Demise

共和国第一的灭亡

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.

共和第一银行在新泽西州、宾夕法尼亚州和纽约州的 32 家分行将于下周初以富尔顿银行的名义重新开业。 FDIC 估计，此次失败对其存款保险基金造成的损失约为 6.67 亿美元，这对纳税人资助的安全网来说是一个沉重的负担。

Systemic Challenges

系统性挑战

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.

共和第一银行的倒闭是当前经济形势下小型银行面临持续挑战的一个征兆。不断上升的利率、通货膨胀以及来自规模更大、资本更雄厚的银行的竞争，为小型银行创造了一个困难的环境。

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.

近几个月来一系列银行倒闭凸显了银行体系的脆弱性。硅谷银行、Signature银行、第一共和银行在几个月内相继倒闭，引起了金融界的重大震动。

Crypto Community Reacts

加密社区的反应

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.

共和第一银行的关闭在加密货币社区引起了冲击，引发了人们对传统银行业务安全性和稳定性的质疑。社交媒体上的许多用户强调了去中心化金融和加密货币自我托管作为传统银行业务替代品的潜力。

"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.

加密货币交易商 Pillage Capital 表示：“共和国第一银行的倒闭值得一看，因为银行倒闭是我们对加密货币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?"

拥有大量追随者的加密货币评论员兰迪·希佩尔 (Randi Hipper) 质疑道：“在人们开始成为自己的银行之前，还需要多少家银行倒闭？”

FDIC Insurance and Depositor Protection

FDIC 保险和储户保护

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.

虽然共和第一银行的倒闭令人担忧，但值得注意的是，储户受到 FDIC 保险的法律限制。这意味着大多数储户不会因银行倒闭而损失任何金钱。

Systemic Risk and the FDIC's Role

系统性风险和 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，一再发生的银行倒闭引发了人们对联邦存款保险公司应对系统性危机的能力的质疑。联邦存款保险公司的存款保险基金是有限的，如果多家大型银行同时倒闭，它可能会不堪重负。

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.

监管机构和政策制定者必须仔细评估当前银行业危机带来的系统性风险，并采取措施加强金融体系并保护储户。

Conclusion

结论

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.

共和第一银行的倒闭清楚地提醒人们传统银行体系的脆弱性。近几个月来一系列银行倒闭动摇了人们对金融机构的信任，引发了人们对经济稳定性的担忧。

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.

虽然 FDIC 为储户提供了安全网，但必须探索去中心化金融和自我托管等替代模式，以减轻系统性风险并提高金融弹性。监管机构和政策制定者必须迅速采取行动，应对银行业面临的根本挑战，确保金融体系的稳定。