又一家！美媒：美国监管机构宣布关闭签名银行

New York state regulators on Sunday shut down Signature Bank as the bad consequence from last week’s failure of Silicon Valley Bank spreads to other banks. They tried to stop the banking crisis from spreading.

Depositors(储户) at the New York-based bank will have access to their money under a similar “systemic risk exception” to one that will allow Silicon Valley Bank clients to get their money on Monday. “All depositors of this institution will be made whole. As with the resolution of Silicon Valley Bank, no losses will be afforded by depositors,” the regulators said.

Silicon Valley Bank suddenly became the biggest US lender to fail in more than a decade on Friday. The bank took a huge loss on sales of its securities(有价证券) because of rising interest rates, making investors and depositors quickly begin pulling their money. On Thursday alone, investors and depositors tried to withdraw about $42 billion.

Signature Bank, a New York commercial bank that’s FDIC-insured, had total assets(资产) of about $110.36 billion and total deposits of roughly $88.59 billion as of Dec. 31, the New York Department of Financial Services said in a separate statement. Signature Bank representatives didn’t immediately respond to a request for comment.

To stop the damage and avoid a bigger crisis, the Fed and Treasury created an emergency program to backstop deposits at both Signature Bank and Silicon Valley Bank using the Fed’s emergency lending authority. The FDIC’s deposit insurance fund will be used to cover depositors, many of whom were uninsured due to the $250,000 guarantee on deposits. While depositors will have access to their money, equity(股权) and bondholders(债券持有人) at both banks are being wiped out, a senior Treasury official said.

1.Why did regulators shut down Signature Bank?

A To have an influence on market trends.

B To prevent the spreading banking crisis.

C To avoid the largest banking failure.

D To help Silicon Valley Bank out.

解析：选B。B细节理解题。根据第一段的“They tried to stop the banking crisis from spreading.”可知，该举措是为防止银行业危机的蔓延。故选B。

2.What does the underlined part “be made whole” probably mean?

A Lose part of their money.

B Be in bigger trouble.

C Get all their money back.

D Get priority access to the bank.

解析：选C。C 词义猜测题。根据划线部分所在句的后文“As with the resolution of Silicon Valley Bank, no losses will be afforded by depositors”可知，与硅谷银行(Silicon Valley Bank)的处置方案一样，储户将不会承担任何损失，即储户可以取回他们所有的钱。故选C。

3.Which of the following statements is TRUE according to the text?

A Signature Bank is the biggest US lender to fail in over ten years.

B Silicon Valley Bank had total assets of about $88.59 billion.

C Signature Bank clients withdrew about $42 billion on Thursday.

D Depositors at Signature Bank can get their money on Monday.

解析：选D。D细节理解题。根据第二段第一句“Depositors(储户) at the New York-based bank will have access to their money under a similar ‘systemic risk exception’ to one that will allow Silicon Valley Bank clients to get their money on Monday.”可知，签名银行的储户将可以在类似于硅谷银行客户周一提款的“系统性风险例外”下提款，即储户可在周一取款。故选D。

4.What type of writing is this text?

A An announcement.

B A research report.

C A news report.

D A bank advertising.

解析：选C。C推理判断题。根据全文内容可知，本文主要向报道了Signature Bank被纽约监管当局关闭的相关情况，属于新闻报道。故选C。