美國又有壹家銀行面臨破產的風險，第壹***和國銀行已經走到了破產邊緣，被他拖垮的還有眾多銀行資本家，就在上個月，美國11家大型銀行才剛剛向第壹***和國銀行註入300億美元存款，如果第壹***和國銀行破產，還不知道會不會有進壹步的連鎖反應。
起初大家認為美國加息是收割全球美國加息是眾多經濟學家早在幾年前就已經預測好的，目的是通過加息行為，吸引全球資本回美國。很多經濟學家，還把這種行為理解為美國在收割全球的韭菜。比如：針對中國，美國加息可以導致中國外匯外流美國；針對歐盟，可以令美元升值，讓由美元定價的歐洲必需品——石油和天然氣價格上漲，起到敲打歐盟的作用；同時，還會讓很多小國家資本外流，本幣信用度下降，讓美元重回霸權地位。
加息讓美國騎虎難下，中國卻是老虎騎士然而，美國加息似乎每壹腳都踩到坑裏。壹季度，美國GDP增長只有1%，當時通脹率接近6%，美債利息已經飆到4.3%，如果要靠加息抵消通脹率，得加息到6%，這簡直是天方夜譚。美國為啥這麽倒黴呢？
第壹個坑，中國宣布數字貨幣交易非法，這導致全球數字貨幣市場動蕩，各種數字貨幣暴跌，暴跌導致鎖定在數字資產的美金，回流美國市場，加劇通貨膨脹。
第二個坑，中國反其道行之，別國跟著加息，中國反而宣布降準，不僅不收攏資金，反而釋放資金，進壹步導致美元回流美國。
第三個坑，中國和日本持續拋售美債，美債都被美國人自己接盤了，壹邊是高昂的利息要支付，另壹邊是依然壓不住的通貨膨脹，這些壓力就都到了銀行業這裏了。
加息引發銀行業盈利能力下降加息意味著大家不用投資，只需要把錢放在銀行裏就可以盈利。通脹又讓企業投資利益受損，進壹步收緊投資，不貸款了。這樣壹來，銀行拿著大筆資金要支付儲戶的利息，另壹方面，貸款發放不出去，導致收支不平衡，面臨虧損。所以大量銀行又把錢投入利息高昂的美債，成為了美債的接盤俠。
然而，美國輿論是不受控制的，關於銀行虧掉本金的謠言壹旦開始傳播，美國人就開始瘋狂的擠兌。這樣就導致美國的銀行接連出現問題，之前有矽谷銀行，現在是第壹***和國銀行，故事基本都如出壹轍。
中國不加息，其實是對的。不知道有沒有和我壹樣是做生意的朋友。此前，我們小微企業要到銀行貸款，求爺爺告奶奶都不壹定能貸到。但是最近，銀行開始給我們企業主打電話，主動推銷貸款業務，而且授信額度還不低。不加息，正好是在這個大家都不怎麽敢投資的時期，降低銀行盈利壓力的正確手段。美式金融學，這壹次，反而沒有顯露出我們中國人的智慧。
英文版：Why do banks in the United States go bankrupt so easily? Crazy interest rate hikes, bringing down capitalists.Another U.S. bank is at risk of bankruptcy. First Republic Bank has already reached the brink of bankruptcy, dragging down numerous bank capitalists with it. Just last month, 11 large U.S. banks injected $30 billion in deposits into First Republic Bank. If First Republic Bank goes bankrupt, it is unclear whether there will be further chain reactions.
At first, people thought that the U.S. interest rate hike was to reap benefits from around the world.
The U.S. interest rate hike was predicted by many economists several years ago, with the aim of attracting global capital back to the United States through this action. Many economists also interpret this behavior as the United States reaping benefits from around the world. For example, regarding China, the interest rate hike can cause China's foreign exchange to flow out to the United States; concerning the European Union, it can cause the appreciation of the dollar, leading to price increases for European necessities priced-in dollars such as oil and natural gas, thereby putting pressure on the European Union. At the same time, it will cause capital outflow from many small countries, lead to a decrease in domestic currency credit ratings, and allow the U.S. dollar to regain its dominant position.
Raising interest rates has made it difficult for the United States to get off its tiger, but China is instead a knight riding on a tiger.However, the U.S. interest rate hike seems to have stumbled at every step. In the first quarter, U.S. GDP growth was only 1%, while inflation was close to 6% and U.S. bond interest rates had soared to 4.3%. If they were to use interest rate hikes to counteract inflation, they would need to raise interest rates to 6%, which is simply impossible. Why is the United States so unlucky?
The first stumbling block was when China announced that cryptocurrency transactions were illegal, which caused turmoil in the global digital currency market. Various digital currencies plummeted, leading to a flow of US dollars locked in digital assets back into the American market, exacerbating inflation.
The second stumbling block was when China did the opposite of other countries by announcing a reserve requirement ratio cut. Instead of tightening up funds, it released funds, further leading to a flow of US dollars back into the United States.
The third stumbling block was when China and Japan continued to sell off U.S. bonds, which were then picked up by Americans themselves. The pressure of high interest payments on one hand and unstoppable inflation on the other all came down to the banking industry.
Interest rate hikes have caused a decline in the profitability of the banking industry.Interest rate hikes mean that people don't need to invest, they can simply earn profits by keeping their money in the bank. However, inflation damages investment interests of enterprises, which further tightens up investment and leads to lower lending. As a result, banks have to pay interest to depositors on one hand but are unable to issue loans, resulting in an imbalance of income and expenses and facing losses. So many banks invest their funds in high-interest U.S. bonds, becoming the buyers of those bonds.
However, the American media is uncontrollable, and once rumors begin to spread about banks losing their capital, Americans begin to frantically run on banks. This results in a wave of problems for U.S. banks, first Silicon Valley Bank, now First Republic Bank, all following similar patterns.
It's right for China not to raise interest rates. I wonder if anyone else, like me, is doing business. In the past, small and micro-enterprises had a hard time getting loans from banks, even after begging and pleading. But recently, banks have been calling us entrepreneurs to actively promote their loan businesses, and the credit limits are not low. Not raising interest rates is a correct approach to reduce banking profitability pressure during this period when few people dare to invest. The American-style finance, this time, has not shown wisdom like our Chinese.