美联储银行监管副主席米歇尔·鲍曼表示，对硅谷银行倒闭的新审查证明监管改革的必要性，并强调官员们的不确定性和缺乏问责制阻碍了在该贷款机构2023年倒闭前及时采取行动。
The Federal Reserve’s top bank cop says a new review of Silicon Valley Bank’s failure justifies an overhaul of supervision, emphasizing that uncertainty and a lack of accountability from officials impeded timely action ahead of the lender’s 2023 collapse.
“现代化不是指做得更少，而是更有效地优先处理最重要的事情，”美联储银行监管副主席米歇尔·鲍曼在曼谷经济节的准备好的讲话中表示。
“Modernization is not about doing less. It is about more effectively prioritizing the things that matter the most,” Fed Vice Chair for Supervision Michelle Bowman said in prepared remarks for the Bangkok Economic Festival.
总部位于加利福尼亚州圣克拉拉的该贷款机构于2023年3月倒闭，当时成为美国历史上第二大银行倒闭事件。鲍曼委托的一项最近的外部审查发现，监管机构在2020年至2022年间向硅谷银行发出了54份正式警告，但绝大多数警告针对的是技术、操作风险和合规问题，而不是迫使该银行降低其利率敞口或多元化其存款人基础。
The Santa Clara, California-based lender, which collapsed in March 2023, became the second-biggest bank failure in US history at the time. A recent external review commissioned by Bowman found that regulators hit SVB with 54 formal warnings between 2020 and 2022, but the vast majority targeted technology, operational risk and compliance, instead of forcing the bank to reduce its interest-rate exposure or diversify its depositor base.
鲍曼表示，她将继续推动将重点放在对金融体系构成威胁的风险上，而不是流程相关的事项。她敦促全球监管机构采取类似行动，并呼吁巴塞尔银行监管委员会和金融稳定理事会将注意力集中在关键问题上。
Bowman said she will continue to press for a focus on risks that pose a threat to the financial system, rather than process-related items. She implored global regulators to take similar action and urged the Basel Committee on Banking Supervision and the Financial Stability Board to zero in on key issues.
“为了维持其可信度，这些机构必须将重点加倍放在重大风险上——即影响安全稳健或金融稳定的风险——同时摒弃那些将资源误导至低价值优先事项的低价值工作，”她说。
“To maintain their credibility, these institutions must redouble their focus on material risks — those that affect safety and soundness or financial stability — while eschewing less valuable work that misdirects resources toward less valuable priorities,” she said.
本周早些时候，全球金融稳定最高监管机构敦促全球政策制定者解决其银行监管中的低效问题，并在数月的争论之后推出了一个框架，以广泛应对风险。该方法主要由鲍曼领导的金融稳定理事会委员会谈判达成。
The world’s top financial stability watchdog earlier this week urged global policymakers to address inefficiencies in their banking regulations, advancing a framework after months of wrangling over how to broadly address risks. That approach was largely negotiated by an FSB committee led by Bowman.
唐纳德·特朗普总统任命的鲍曼及其他美国银行监管官员一直在推动削减一系列针对大型银行的要求，其中包括放宽贷款机构必须持有的资本缓冲水平以应对潜在损失的计划，以及缩小银行监管的范围。
Bowman and other US bank watchdogs appointed by President Donald Trump have pushed to scale back a raft of big-bank requirements, including plans to relax how much capital lenders must hold as a buffer against potential losses and narrow the scope of bank supervision.
虽然一些支持者认为这些举措对于提振经济增长和增强竞争力是必要的，但批评者认为这些改变可能会使银行承担更多风险，并威胁金融稳定。
While some proponents say those efforts are necessary to boost economic growth and increase competitiveness, critics argue the changes could allow banks to take on more risk and threaten financial stability.