大概是这样...

先看看FDIC 规定的程序

原来说25W以下的明天就能取，现在说

SVB depositors “will have access to all of their money starting Monday, March 13,” the government said in a statement, adding that taxpayers won't be responsible for any losses associated with SVB's resolution. 

无论是否 FDIC insured，明天都可以取款。而且说 taxpayers won't be responsible for any losses associated with SVB's resolution。

我估计是这样：FDIC 看了 SVB's book 后判定 bank asset mark-to-market value 远大于 deposits，当即建议出个 resolution，让所有 depositor 明天都可以取款，平息市场不安情绪。但 insolvency 还是真的，也就是说 asset < liability。谁受损失呢？第一当然是 SVB 的 equity holder，股价归零，第二是 SVB 的 creditor (including bond bonder)，估计也拿不回多少。