维基的这篇文章对这一事件前因后果的分析非常全面。主要是因为长短国债收益率的严重倒挂？联储内部分析指出2019年开始的对银行监管的放松是造成这一事件的主要原因：
Internal investigations at the FDIC and Federal Reserve noted that deregulation, not subjecting medium-sized banks to high scrutiny, reduced enforcement of remaining regulations, and government staffing shortages weakened oversight and allowed mismanagement of banks to cause their collapse.
https://en.wikipedia.org/wiki/2023_United_States_banking_crisis#cite_note-98
特别值得一提的是，有两家倒闭的区域大银行与加密币泡沫的破灭有关：
Silvergate Bank and Signature Bank, both with significant exposure to cryptocurrency, failed in the midst of turbulence in that market.
目前，加密币的炒作再次如火如荼，对银行未来放松监管的憧憬正在推动当前区域银行的暴涨。历史往往是惊人地相似：在一片突飞猛进的大跃进中，第二轮银行危机正在悄悄来临。
个人意见，仅供参考。YMYD。
