$美国银行(BAC)$ 美国大银行反而受益？

//Large banks such as JPMorgan Chase are trying to accommodate customers wanting to move deposits quickly

摩根大通等大型银行正在努力满足希望快速转移存款的客户

Large US banks are being inundated with requests from customers trying to transfer funds from smaller lenders, as the failure of Silicon Valley Bank results in what executives say is the biggest movement of deposits in more than a decade.

由于硅谷银行的倒闭导致了高管们所说的十多年来最大的存款流动，美国大型银行正被客户要求从较小的贷方转移资金的请求淹没。

JPMorgan Chase, Citigroup and other large financial institutions are trying to accommodate customers wanting to move deposits quickly, taking extra steps to speed up the normal sign-up or “onboarding” process, according to several people familiar with the matter.

据几位知情人士透露，摩根大通、花旗集团和其他大型金融机构正在努力满足希望快速转移存款的客户，采取额外措施加快正常注册或“入职”流程。

A package of emergency measures unveiled by the US government on Sunday, including a new Federal Reserve lending facility for banks, appears to have passed its first major test for now by staving off the failure of a third bank following the implosion of SVB and Signature Bank.

美国政府周日公布的一揽子紧急措施，包括一项新的美联储银行贷款机制，似乎已经通过了目前的第一次重大考验，避免了 SVB 和 Signature Bank 倒闭后第三家银行的倒闭.

However depositors are still attempting to move balances into larger banks such as JPMorgan, Citi and Bank of America, as well as money market funds, the people said. That is especially the case when balances exceed the $250,000 threshold that is guaranteed by federal insurance.

然而，知情人士表示，储户仍在试图将余额转移到摩根大通、花旗和美国银行等大型银行以及货币市场基金中。当余额超过联邦保险保证的 250,000 美元门槛时，情况尤其如此。

Deposit transfers from SVB and other regional lenders to large banks picked up steam last week and continued on Monday, the people said. “The calls have been coming in today like airplanes stacked on a snowy day at O’Hare airport,” said one senior banker, referring to Chicago’s busy aviation hub.

知情人士说，上周，SVB 和其他地区银行向大型银行的存款转移有所增加，并在周一继续进行。 “今天接到的电话就像下雪天堆积在奥黑尔机场的飞机一样，”一位资深银行家说，他指的是芝加哥繁忙的航空枢纽。

JPMorgan has shortened the waiting time for opening an account and is expediting the speed at which new corporate customers can access funds to ensure they can pay staff at the end of this week, according to one person briefed on the matter.

据一位知情人士透露，摩根大通已经缩短了开户的等待时间，并正在加快新企业客户获取资金的速度，以确保他们能够在本周末支付员工工资。

Several banks have reassigned employees to jobs connected to account openings, the people said.

知情人士说，几家银行已将员工重新分配到与开户相关的工作。

Citi’s private bank, which caters to wealthy individuals, is trying to open accounts within a day of application compared with the typical timeline of one to two weeks, some of the people said. The lender has also started to open accounts and initiate money transfer procedures while the new client is still undergoing compliance checks.

一些知情人士说，花旗的私人银行面向富人，正试图在申请后一天内开户，而通常的时间为一到两周。在新客户仍在接受合规检查的同时，贷方也已开始开设账户并启动汇款程序。

Executives say they are walking a fine line because they do not want to be accused of exploiting the situation. JPMorgan has told bankers they should not make active attempts to poach clients from smaller rivals, according to people briefed on the discussions.

高管们表示，他们正在小心谨慎，因为他们不想被指责利用这种情况。据了解讨论情况的人士透露，摩根大通已告诉银行家，他们不应积极尝试从规模较小的竞争对手那里挖走客户。

JPMorgan, Citi and BofA and First Republic declined to comment.

摩根大通、花旗和美国银行以及第一共和国拒绝置评。

“Goliath is winning,” Wells Fargo banking analyst Mike Mayo said in a research note on Monday as he singled out JPMorgan as a beneficiary “in these less certain times”.

“巨人正在获胜，”富国银行银行业分析师迈克梅奥周一在一份研究报告中表示，他将摩根大通列为“在这些不太确定的时期”的受益者。

Shares in several regional US banks, including San Francisco-based First Republic and Phoenix-headquartered Western Alliance Bank, closed sharply lower on Monday despite a pledge from US president Joe Biden that his administration would do “whatever is needed” to protect depositors. The stock prices of many such banks partly recovered in after-hours trading.

尽管美国总统乔·拜登承诺他的政府将“竭尽所能”保护储户，但包括总部位于旧金山的 First Republic 和总部位于凤凰城的西部联盟银行在内的几家美国地区性银行的股价周一大幅收低。许多此类银行的股价在盘后交易中部分回升。

Large asset managers also reported an influx of cash being pulled from lenders following an anxious few days for bank depositors.

大型资产管理公司还报告说，在银行储户焦虑的几天之后，大量现金从贷方撤出。

“Flows across the industry have been from the banks and into money market funds,” said one person familiar with the operations of a large US asset manager. Money market funds are more tightly supervised than they were in the run-up to the 2008 financial crisis, when some required government intervention.

“整个行业的资金都从银行流入货币市场基金，”一位熟悉美国一家大型资产管理公司运营的人士表示。与 2008 年金融危机前夕相比，货币市场基金受到更严格的监管，当时一些基金需要政府干预。

For some depositors, the failure of SVB highlighted the risk of having all their cash at a single bank. Before regulators stepped in with a pledge to guarantee all deposits on Sunday, many of SVB’s corporate clients in the technology and life sciences industry had been worried that they would be unable to pay staff or suppliers.

对于一些存款人来说，SVB 的倒闭凸显了将所有现金存放在一家银行的风险。在监管机构周日介入并承诺为所有存款提供担保之前，SVB 在技术和生命科学行业的许多企业客户一直担心他们无法支付员工或供应商的工资。

“Clients are like . . . ‘I’ve learnt my lesson, I’m not just diversifying my portfolio, I want to diversify my bank’,” said one private banker at a large firm.

“客户就像 。 . .一家大公司的一位私人银行家说：“我已经吸取了教训，我不仅要使我的投资组合多样化，我还要使我的银行多样化”。