{"code":20000,"message":"OK","data":{"asset_tags":[{"key":"waihui","name":"外汇","ancestor_paths":["zichan"],"banner_key":"waihui"}],"audio":{"title":""},"audio_info":{"uri":"https://wpimg-wscn.awtmt.com/655a5b67-2101-43a0-9db1-33167863e954.mp3","start_time":"0.000000","duration":"100.584000","size":"301797"},"audio_uri":"https://wpimg-wscn.awtmt.com/655a5b67-2101-43a0-9db1-33167863e954.mp3","author":{"article_count":1936,"author_kind":"default","avatar":"https://wpimg-wscn.awtmt.com/dea2d49e-c68e-4aa3-8eb9-5fe940fc1d3d","bio":"   ","display_name":"常嘉帅","editor_choice_articles":[],"followers_count":1964,"id":120000004647,"is_followed":false,"uri":"https://wallstreetcn.com/authors/120000004647"},"categories":[{"key":"global","name":"见闻首页"},{"key":"forex","name":"外汇"},{"key":"wscn-platform","name":"见闻"}],"columns":[],"comment_count":13,"comment_disabled":false,"content":"\u003cp\u003e在硅谷银行倒闭之初，美国联邦存款保险公司（FDIC）等监管机构信誓旦旦地承诺“保护所有储户的存款”，“美国银行系统非常强大”。\u003c/p\u003e\n\u003cp\u003e但FDIC没提，美国银行的海外存款也被保护吗？\u003c/p\u003e\n\u003cp\u003e华尔街日报近日报道，\u003cstrong\u003e3月31日，硅谷银行开曼群岛分行储户接到了FDIC的通知，称国外存款不受FDIC保障，他们将被视为“一般无担保债权人（general unsecured creditors）”\u003c/strong\u003e。\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003e硅谷银行开曼群岛支行的大部分存款来自亚洲。现在，这部分存款账户已经由监管方“接管”。\u003c/strong\u003e\u003c/p\u003e\n\u003ch2\u003e\u003cstrong\u003e国外存款不受FDIC保障\u003c/strong\u003e\u003c/h2\u003e\n\u003cp\u003e开曼群岛是英国海外属地，也是世界著名\u003cspan class=\"wscn-sensitive\"\u003e避税天堂\u003c/span\u003e，硅谷银行此前曾表示，在开曼群岛开设支行主要是为支持其亚洲业务。\u003c/p\u003e\n\u003cp\u003e截至2022年底，硅谷银行账上有大约139亿美元的国外存款。除美国本土和开曼群岛外，硅谷银行英国子公司也经营存款业务。3月10日，当其英国子公司被\u003cspan class=\"wscn-sensitive\"\u003e汇丰\u003c/span\u003e银行收购时，剩余存款总额约为85亿美元。硅谷银行、FDIC均未披露开曼群岛支行的存款数额。\u003c/p\u003e\n\u003cp\u003e此前，当硅谷银行倒闭、被第一公民银行收购时，开曼群岛支行被排除在外，仍然由FDIC接管。\u003c/p\u003e\n\u003cp\u003e一些开曼群岛支行的储户对华尔街日报表示，他们此前曾以为FDIC宣称的保护所有储户的存款，也适用于他们。但自硅谷银行倒闭以来，这些储户一直无法取用自己的存款。有机构储户称，\u003cstrong\u003e银行对账单显示，他们在硅谷银行的存款余额为零，其资金已被转至“接管方”。\u003c/strong\u003e\u003c/p\u003e\u003cdiv style=\"color: #666; margin-bottom: 15px;\"\u003e风险提示及免责条款\u003c/div\u003e\n          \u003cdiv style=\"font-size: 12px;font-family: 黑体;color: #666;line-height: 20px;\"\u003e\n            市场有风险，投资需谨慎。本文不构成个人投资建议，也未考虑到个别用户特殊的投资目标、财务状况或需要。用户应考虑本文中的任何意见、观点或结论是否符合其特定状况。据此投资，责任自负。\n          \u003c/div\u003e\n","content_short":"硅谷银行开曼群岛支行的储户被FDIC视为“一般无担保债权人”。硅谷银行开曼群岛支行的大部分存款来自亚洲。","custom_tag":"","display_time":1684397372,"funds":null,"has_transfer_audio":true,"id":3688964,"image":{"uri":"https://wpimg-wscn.awtmt.com/dd59b97a-0ca4-4043-8183-d425a1d18bca.jpeg","height":299,"width":530,"size":26701},"images":[{"uri":"https://wpimg-wscn.awtmt.com/dd59b97a-0ca4-4043-8183-d425a1d18bca.jpeg","height":299,"width":530,"size":26701}],"influence_score":0,"is_need_pay":false,"is_priced":false,"is_trial":false,"is_video":false,"layout":"wscn-layout","limited_time":0,"membership_uri":"","next":{"id":3689034,"image":{"uri":"https://wpimg-wscn.awtmt.com/8cf1f3d6-517e-4455-a664-9c0ee9d702f1.jpeg","height":529,"width":792,"size":113026},"title":"沪指冲高回落涨0.4%，人工智能概念股全线反弹，传媒板块探底回升","url":"https://wallstreetcn.com/articles/3689034"},"pageviews":14184,"plates":[],"previous":{"id":3689052,"image":{"uri":"https://wpimg-wscn.awtmt.com/1b7e6afd-9238-46d0-a508-e1a36d723880.jpeg","height":270,"width":360,"size":17619},"title":"日股翻身！高盛喊出“十年一遇大牛市”，外资大军蜂拥而入，到底看中了什么？","url":"https://wallstreetcn.com/articles/3689052"},"related_topics":[],"show_like":true,"source_name":"","source_uri":"","subtitle":"","tags":[],"theme_group_map":null,"themes":[],"title":"国外存款“不受保障”！硅谷银行的亚洲储户被“区别对待”","unshow_content_short":false,"words_count":468}}