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Monetary Tightening and U.S. Bank Fragility in 2023: Mark-to-Market Losses and Uninsured Depositor Runs?
Even if only half of uninsured depositors decide to withdraw, almost 190 banks are at a potential risk of impairment to insured depositors, with potentially $300 billion of insured deposits at risk. If uninsured deposit withdrawals cause even small fire sales, substantially more banks are at risk. Overall, these calculations suggest that recent declines in bank asset values very significantly increased the fragility of the US banking system to uninsured depositor runs.
papers.ssrn.com/sol3/papers.cfm?abstract_id=4387676
Oder einfach ausgedrückt, das Feuer wird jetzt sofort im Keim erstickt oder es weitet sich immer weiter aus und brennt dann einfach alles nieder.
Even if only half of uninsured depositors decide to withdraw, almost 190 banks are at a potential risk of impairment to insured depositors, with potentially $300 billion of insured deposits at risk. If uninsured deposit withdrawals cause even small fire sales, substantially more banks are at risk. Overall, these calculations suggest that recent declines in bank asset values very significantly increased the fragility of the US banking system to uninsured depositor runs.
papers.ssrn.com/sol3/papers.cfm?abstract_id=4387676
Oder einfach ausgedrückt, das Feuer wird jetzt sofort im Keim erstickt oder es weitet sich immer weiter aus und brennt dann einfach alles nieder.
