专题31 SVB硅谷银行倒闭-2023年高考英语外刊阅读及模拟强化训练

A Silicon Valley Lender Collapsed after a Run on the Bank 硅谷银行在银行挤兑后倒闭 文章选自NPR 主题语境：人与社会 子语境：经济生活 原文出处：NPR 语篇类型：新闻报道 关键词：bank；investor；collapse；trouble 篇章导读：一家迎合世界上许多最有实力的科技投资者的银行周五倒闭，被联邦监管机构接管，成为2008年全球金融危机以来倒闭的最大银行之一。加州的银行监管机构关闭了硅谷银行，并将其纳入联邦存款保险公司（FDIC）的破产管理。 原汁原味外刊阅读及模拟强化训练 A bank that caters to many of the world's most powerful tech investors collapsed on Friday and was taken over by federal regulators, becoming one of the largest lenders to fail since the 2008 Global Financial Crisis. California's banking regulators shut down Silicon Valley Bank and put it into receivership under the Federal Deposit Insurance Corp. (FDIC). That effectively gives control of the bank to the FDIC, which created a new entity to oversee it. Regulators announced the takeover after what was effectively a run on the bank. Depositors rushed to withdraw their money amid fears SVB wouldn't be able to meet redemption requests. It was a collapse that sent shockwaves across the banking industry, hammering shares of other smaller and regional lenders. Here's what to know about SVB. What was Silicon Valley Bank? Although it was not in the same league as, say, Goldman Sachs or J.P. Morgan Chase, Silicon Valley Bank, or SVB, punched above its weight during its 40-year history. Based in Santa Clara, Calif., its clients included venture capital firms and startups, and it became a big player in the tech sector, successfully competing with bigger-name banks. "They really developed a niche that was the envy of the banking space," says Jared Shaw, a senior analyst at Wells Fargo. "They are able to provide all the products and services any of these sophisticated technology companies, as well as these sophisticated venture capital and private equity funds, would need." But it remained little known outside of tech circles — until this week. So why is the bank in trouble now? Silicon Valley's business boomed as tech companies did wel