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。