716200亿美元的未保险存款在美国银行账户中酝酿，因为客户面临联邦政府的零保护风险：报告

币界网Published on 2024-08-09Last updated on 2024-08-09

币界网报道：

根据联邦存款保险公司（FDIC）的一份秘密报告，美国人的银行账户中持有高达7.162万亿美元的未投保现金。

该机构表示，3月底获得的数据显示，自2021年第四季度以来，美国银行中未受保护的现金数量首次增加。

美国银行与联邦存款保险公司保持一致，向客户承诺，在破产的情况下，最高25万美元的存款将始终得到保障。但超出部分不投保。

联邦存款保险公司正在加强对这一问题的审查，警告说，没有保险的存款可能会使贷款人更容易受到银行挤兑的影响。

“虽然许多银行增加了对无保险存款的依赖，但这一趋势在最大的银行中最为明显。

大型银行中无保险存款的日益集中，使银行系统可能更容易受到2023年3月等储户挤兑的影响。”

去年硅谷银行、Signature银行和第一共和国银行倒闭时，FDIC的25万美元上限受到了考验。

历史上第一次，银行的所有存款都受到联邦政府的保护，联邦存款保险公司的保险和系统性风险例外的特殊使用相结合，赋予了联邦存款保险委员会、美联储和财政部支持一切的权力。

危机发生后，联邦存款保险公司表示，它现在要求美国银行提供有关有保险和无保险存款构成的全面数据，以提高其跟踪和管理风险的能力。

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