高考英语外刊阅读及模拟强化训练:SVB硅谷银行倒闭 (练习版)

admin管理员组

文章数量:1531375

2024年6月14日发(作者：)

高考英语外刊阅读及模拟强化训练：SVB硅谷银行

倒闭

距离高考还有一段时间，不少有经验的老师都会提醒考生，愈是临近高考，能否咬紧牙关、

学会自我调节，态度是否主动积极，安排是否科学合理，能不能保持良好的心态、以饱满的情

绪迎接挑战，其效果往往大不一样。以下是本人从事10多年教学经验总结出的以下学习资料，

希望可以帮助大家提高答题的正确率，希望对你有所帮助，有志者事竟成！

养成良好的答题习惯，是决定高考英语成败的决定性因素之一。做题前，要认真阅读题目

要求、题干和选项，并对答案内容作出合理预测;答题时，切忌跟着感觉走，最好按照题目序

号来做，不会的或存在疑问的，要做好标记，要善于发现，找到题目的题眼所在，规范答题，

书写工整;答题完毕时，要认真检查，查漏补缺，纠正错误。总之，在最后的复习阶段，学生

们不要加大练习量。在这个时候，学生要尽快找到适合自己的答题方式，最重要的是以平常心

去面对考试。英语最后的复习要树立信心，考试的时候遇到难题要想“别人也难”，遇到容易

的则要想“细心审题”。越到最后，考生越要回归基础，单词最好再梳理一遍，这样有利于提

高阅读理解的效率。另附高考复习方法和考前30天冲刺复习方法。

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 well during the pandemic. That filled the lender's

coffers, and SVB had about $174 billion in deposits. But in recent months, many of Silicon Valley Bank's clients

had been withdrawing money at a time when the tech sector as a whole has been suffering.

SVB said earlier this week, that in order to make good on those withdrawals, it had to sell part of its bond

holdings at a steep loss of $1.8 billion. Bonds and stocks have been hammered since last year, as the Federal

Reserve has raised interest rates aggressively, and SVB also noted it wanted to pare down its bond portfolio to

avoid further losses.

But that announcement spooked the bank's clients, who got worried about SVB's viability, and then proceeded

to withdraw even more money from the bank — a textbook definition of a bank run. That led to a major slump in

SVB's shares. The bank's stock price fell by 60% on Thursday, and as its share price continued to sink overnight.

Trading was halted on Friday morning, and by midday, SVB had been taken over by the FDIC.

What does this mean for other banks?

Though the problems appear to be isolated at SVB, the run on the bank sparked concerns about the banking

sector as a whole. On Thursday, shares of all kinds of lenders, including the big banks, sagged. J.P. Morgan, Wells

Fargo, and Bank of America were all down about 5%. Investors feared that other lenders, especially smaller and

regional ones, would suffer a similar surge in withdrawals and would struggle to meet the redemptions. The

troubles at SVB come as Wall Street had already been on edge. Earlier this week, Silvergate, a California-based

bank that caters to the cryptocurrency industry, announced plans to unwind its operations.

Yet by Friday, fears about the health of the broader banking sector had eased, even before the FDIC took over

SVB. Bank analysts at Morgan Stanley said in a note "the funding pressures facing" Silicon Valley Bank "are

highly idiosyncratic and should not be viewed as a read-across to other regional banks." "We want to be very clear

here," they wrote. "We do not believe there is a liquidity crunch facing the banking industry." Wells Fargo analyst

Shaw also said other banks were hit by panic selling. "It's really just a fear that has gripped the market, and is sort

of self-perpetuating at this point," says Shaw.

What happens next?

The entity created by federal regulators to oversee SVB, the Deposit Insurance National Bank of Santa Clara,

has quite a few things to sort out. The FDIC said those with insured deposits with SVB, typically up to $250,000,

would be able to access their money by no later than Monday. The fate of those with deposits at SVB that exceed

insurance limits is less certain, however, with the FDIC saying they will receive an "advance dividend" for a

portion of their funds along with "certificates" accounting for their uninsured funds.

The regulator did not spell out what that would entail for these uninsured depositors. Investors will also

continue to monitor for any further impact on other banks. The Treasury Department said Secretary Janet Yellen

本文标签： 答题高考阅读是否强化训练