硅谷银行倒闭

近日，美国硅谷银行破产倒闭，成为自15年前金融危机最严重时期华盛顿互惠银行（Washington Mutual）破产以来最大规模的金融机构倒闭事件。

🤔️小作业：

1. storied是什么意思？

2.「连锁反应，连锁效应」怎么表达？

3. 表示「暴跌、骤降；激增，增加」的词汇有哪些？

无注释原文：

One of Silicon Valley’s top banks fails; assets are seized

From: VOA

Regulators rushed Friday to seize the assets of one of Silicon Valley’s top banks, marking the largest failure of a U.S. financial institution since the height of the financial crisis almost 15 years ago.

Silicon Valley, the nation's 16th-largest bank, failed after depositors — mostly technology workers and venture capital-backed companies — hurried to withdraw money this week as anxiety over the bank's balance sheet spread.

Silicon Valley was heavily exposed to the tech industry and there is little chance of contagion in the banking sector similar to the chaos in the months leading up to the Great Recession more than a decade ago. The biggest banks — those most likely to cause a systemic economic issue — have healthy balance sheets and plenty of capital.

In 2007, the biggest financial crisis since the Great Depression rippled across the globe after mortgage-backed securities tied to ill-advised housing loans rippled from the United States to Asia and Europe. The panic on Wall Street led to the collapse of the storied Lehman Brothers, founded in 1847. Because major banks had extensive exposure to one another, it led to cascading disruption throughout the global financial system, putting millions out of work.

There has been unease in the banking sector all week and the collapse of Silicon Valley pushed shares of almost all financial institutions lower Friday, shares that had already tumbled by double digits since Monday.

Silicon Valley Bank's failure arrived with incredible speed, with some industry analysts on Friday suggesting it was a good company and still likely a wise investment. Silicon Valley Bank executives were trying to raise capital early Friday and find additional investors. However, trading in the bank's shares was halted before the opening bell on Wall Street because of extreme volatility.

Shortly before noon eastern, the Federal Deposit Insurance Corporation moved to shutter the bank. Notably, the FDIC did not wait until the close of business to seize the bank, as is typical in an orderly wind down of a financial institution. The FDIC could not immediately find a buyer for the bank's assets, signaling how fast depositors had cashed out. The bank's remaining uninsured deposits will now be locked up in receivership.

The bank had $209 billion in total assets at the time of failure, the FDIC said. It was unclear how much of its deposits were above the $250,000 insurance limit at the moment, but previous regulatory reports showed that much of Silicon Valley Bank's deposits exceeded that limit.

The FDIC said Friday that deposits below the $250,000 limit would be available Monday morning.

Silicon Valley Bank appeared stable this year, but on Thursday it announced plans to raise up to $1.75 billion to strengthen its capital position. That sent investors scurrying and shares plunged 60%. They fell further on Friday before the opening of the Nasdaq, where it is traded.

As its name implied, Silicon Valley Bank was a major financial conduit between the technology sector, its founders and startups as well as its workers. Hundreds of companies held their operating capital with the bank, and it was seen as good business sense to develop a relationship with Silicon Valley Bank if a founder wanted to find new investors or go public.

"We saw building a relationship with Silicon Valley Bank as a logical step, given their reach," said Ashley Tyrner, CEO of FarmboxRx, a company that delivers food as medicine to Medicaid and Medicare recipients. While Tyrner has money in other banks and can make payroll, she said a good portion of her business' profits are now locked up with the bank.

Silicon Valley's connections to the tech sector became a liability rapidly. Technology stocks have been hit hard in the past 18 months after a growth surge during the pandemic and layoffs have spread throughout the industry.

At the same time, the bank was hit hard by the Federal Reserve's fight against inflation and an aggressive series of interest rate hikes to cool the economy.

As the Fed raises its benchmark interest rate, the value of bonds, typically a stable asset, start to fall. That is not typically a problem as the declines lead to "unrealized losses," or losses that are not counted against them when calculating the capital cushion than banks can use should there be a downturn in the future.

However, when depositors grow anxious and begin withdrawing their money, banks sometimes have to sell those bonds before they mature to cover that exodus.

That is exactly what happened to Silicon Valley Bank, which had to sell $21 billion in highly liquid assets to cover the exodus of deposits. It took a $1.8 billion loss on that sale.

Tyrner said she's spoken to several friends who are backed by venture capital. She described those friends as being "beside themselves" over the bank's failure. Tyrner's chief operating officer tried to withdraw her company's funds on Thursday but failed to do so in time.

"One friend said they couldn't make payroll today and cried when they had to inform 200 employees because of this issue," Tyrner said.

- ◆ -

注：中文文本为VOA中文报道，并非一一对应，仅供参考

含注释全文：

One of Silicon Valley’s top banks fails; assets are seized

From: VOA

Regulators rushed Friday to seize the assets of one of Silicon Valley’s top banks, marking the largest failure of a U.S. financial institution since the height of the financial crisis almost 15 years ago.

美国监管机构于周五(3月10日)紧急没收硅谷银行(Silicon Valley Bank)的资产，这是自15年前金融危机最严重时期华盛顿互惠银行(Washington Mutual)破产以来最大规模的金融机构倒闭事件。

1）表示“没收；查获”，英文解释为“If the police or other officials seize something, they take possession of it with legal authority.”举个🌰：

Customs officers have seized 10 kilos of heroin. 海关官员查获了10公斤海洛因。

2）表示“抓住；夺过；夺取；攫取；抓获”，英文解释为“to take something quickly and keep or hold it”举个🌰：

I seized his arm and made him turn to look at me. 我抓住他的胳膊，让他转身看着我。

Silicon Valley, the nation's 16th-largest bank, failed after depositors — mostly technology workers and venture capital-backed companies — hurried to withdraw money this week as anxiety over the bank's balance sheet spread.

硅谷银行是美国第16大银行，储户主要是科技产业从业者和风险资本支持的公司。在储户出于担忧该银行资产负债表而匆忙提款后，该银行倒闭。

表示“存款人，储户”，英文解释为“someone who deposits money”

venture capital /ˈven.tʃə ˌkæp.ɪ.təl/ 表示“风险资本；投机资本；风险投资”，英文解释为“money that is invested or is available for investment in a new company, especially one that involves risk”

表示“抽回；取回；提取；撤回；撤离；退出；移回”，英文解释为“to take or move out or back, or to remove”举个🌰：

She had to withdraw from the competition because of a leg injury. 她因伤只好退出了比赛。

表示“资产负债表，决算表”，英文解释为“a statement that shows the value of a company's assets (= things of positive value) and its debts”

Silicon Valley was heavily exposed to the tech industry and there is little chance of contagion in the banking sector similar to the chaos in the months leading up to the Great Recession more than a decade ago. The biggest banks — those most likely to cause a systemic economic issue — have healthy balance sheets and plenty of capital.

硅谷银行主要面向科技行业，这意味着整个银行业不太可能像十多年前那样产生连锁反应。最大的那些银行——最有可能引发系统性经济问题的银行——拥有健康的资产负债表和充足的资本。

contagion /kənˈteɪ.dʒən/ 1）表示“接触传染”，英文解释为“the situation in which a disease is spread by touching someone or something”举个🌰：

The doctor says there's no chance/danger of contagion. 医生说不存在传染的可能/危险。

2）表示“（情绪、思想、风俗等的）感染，蔓延，传播，扩散”，英文解释为“the situation in which feelings, ideas, or problems spread from one place to another”

表示“（经济）衰退期”，英文解释为“a period when the economy of a country is not successful and conditions for business are bad”举个🌰：

The country is sliding into the depths of (a) recession. 这个国家一步步滑入经济衰退的谷底。

In 2007, the biggest financial crisis since the Great Depression rippled across the globe after mortgage-backed securities tied to ill-advised housing loans rippled from the United States to Asia and Europe. The panic on Wall Street led to the collapse of the storied Lehman Brothers, founded in 1847. Because major banks had extensive exposure to one another, it led to cascading disruption throughout the global financial system, putting millions out of work.

2007年的那场次贷危机从美国开始，蔓延至亚洲和欧洲，引发了自大萧条以来最大的金融危机，波及全球。华尔街的恐慌导致1847年成立的著名投行雷曼兄弟公司(Lehman Brothers)倒闭。由于各大银行之间的联系紧密，全球金融体系发生连锁反应，导致数百万人失业。

作动词，1）表示“（使）起涟漪；（使）如波浪般起伏”，英文解释为“to (cause to) move in small waves”举个🌰：

The breeze rippled the water. 微风在水面吹起阵阵涟漪。

2）表示“扩散；涌起”，英文解释为“to spread through a person or a group of people like a wave”举个🌰：

A gasp rippled through the crowd. 人群中传出一片惊诧之声。

作名词，1）表示“涟漪；微波；细浪”，英文解释为“a small wave on the surface of water”举个🌰：

The stone she threw caused ripples to spread across the lake. 她扔了一块石头，湖面泛起阵阵涟漪。

2）表示“（声音的）传播起伏；（感情的）逐渐扩散”，英文解释为“a sound or feeling that spreads through a person or group of people, gradually increasing and then becoming smaller”如：A ripple of laughter/applause 一阵阵笑声/掌声。

补充：

📍ripple effect表示“连锁反应”，英文解释为“a situation in which one event produces effects which spread and produce further effects”，举个🌰：

The bank crash has had a ripple effect on the whole community. 银行的破产在整个社区引起了连锁反应。

mortgage /ˈmɔː.ɡɪdʒ/ 表示“（尤指购房的）按揭，抵押贷款”，英文解释为“an agreement that allows you to borrow money from a bank or similar organization, especially in order to buy a house, or the amount of money itself”如：a monthly mortgage payment 每月偿付的抵押贷款。

复数形式securities，熟词僻义，表示“证券”，英文解释为“documents proving that sb is the owner of shares, etc. in a particular company”。

ill-advised /ˌɪl.ədˈvaɪzd/ 表示“不明智的”，英文解释为“not wise, and likely to cause problems in the future”如：an ill-advised career move 不明智的职业变动。

cascade /kæsˈkeɪd/ 1）表示“如瀑布般下落；大量倾泻”，英文解释为“to fall quickly and in large amounts”举个🌰：

Coins cascaded from/out of the fruit machine. 大量硬币从吃角子老虎机中倾泻而出。

2）表示“逐层传递；传播；传达”，英文解释为“to pass on information by giving it to just a few people, who then give it to more people; to be passed on in this way”举个🌰：

Guest information is cascaded through employee shift briefings. 客人信息是在员工轮班简报时传达的。

There has been unease in the banking sector all week and the collapse of Silicon Valley pushed shares of almost all financial institutions lower Friday, shares that had already tumbled by double digits since Monday.

过去整个星期银行业都处于不安状态，硅谷银行的崩溃导致几乎所有金融机构的股价在周五走低，自周一以来股价已经下跌了两位数。

share熟词僻义，作动词，表示“有同样的感觉（或性质、经历）”，英文解释为“If two or more people or things share a feeling, quality, or experience, they both or all have the same feeling, quality, or experience.”举个🌰：

All hospitals share some common characteristics. 所有的医院都有一些共同的特征。

share作名词，表示“股份，股票”，英文解释为“any of the units of equal value into which a company is divided and sold to raise money. People who own shares receive part of the company's profits.”

类似的：

📍stock表示“股份；股票”，英文解释为“part of the ownership of a company that can be bought by members of the public”举个🌰：

Stock prices fell yesterday in heavy trading. 股价昨日放量下跌。

可以作动词，也可以作名词，表示“跌倒；滚落；暴跌”，英文解释为“a sudden fall”举个🌰：

The jockey took a nasty tumble at the third fence. 骑师在第三道栅栏处给重重摔下马来。

Share prices took a sharp tumble following news of the merger. 合并消息传出，股价随即暴跌。（急剧下降）

🎬电影《指环王2：双塔奇兵》（The Lord of the Rings: The Two Towers）中的台词提到：He took a little tumble off the cliff. 他掉下了悬崖。

Silicon Valley Bank's failure arrived with incredible speed, with some industry analysts on Friday suggesting it was a good company and still likely a wise investment. Silicon Valley Bank executives were trying to raise capital early Friday and find additional investors. However, trading in the bank's shares was halted before the opening bell on Wall Street because of extreme volatility.

硅谷银行的倒闭速度以令人难以置信，一些行业分析师周五还在表示，这是一家好公司，仍然可能是一项明智的投资。硅谷银行的高管还试图在周五清晨筹集资金并寻找更多投资者。然而，由于股价波动巨大，该银行的股票在华尔街开盘前暂停交易。

1）表示“使停住；停住”，英文解释为“When a person or a vehicle halts or when something halts them, they stop moving in the direction they were going and stand still.”举个🌰：

They halted at a short distance from the house. 他们停在离房子不远处。

2）表示“使完全停止；完全停止”，英文解释为“When something such as growth, development, or activity halts or when you halt it, it stops completely.”举个🌰：

Workers halted production at the auto plant yesterday. 昨天，汽车厂的工人完全停止了生产。

🎬电影《危情时速》（Unstoppable）中的台词提到：Emergency responders want to halt all activity near the line 应急响应人员打算停止铁路附近的所有活动。

volatility /ˌvɒl.əˈtɪl.ə.ti/ 表示“挥发性；波动性；易变，活泼”，英文解释为“the quality of changing easily into a gas”

Shortly before noon eastern, the Federal Deposit Insurance Corporation moved to shutter the bank. Notably, the FDIC did not wait until the close of business to seize the bank, as is typical in an orderly wind down of a financial institution. The FDIC could not immediately find a buyer for the bank's assets, signaling how fast depositors had cashed out. The bank's remaining uninsured deposits will now be locked up in receivership.

美东时间中午前不久，联邦存款保险公司(Federal Deposit Insurance Corporation)采取行动关闭了该银行。值得注意的是，FDIC并没有等到当日营业结束才接管银行，那是金融机构有序关闭的典型做法。FDIC无法立即为该银行的资产找到买家，这显示了储户提款的速度之快。该银行剩余的未投保存款现在将被冻结在破产管理中。

1）shutter作名词，通常复数，原意表示“活动护窗；百叶窗”，英文解释为“one of a pair of wooden or metal covers that can be closed over the outside of a window to keep out light or protect the windows from damage”，如：to open/close the shutters 打开/关上护窗。

2）作动词，可以指关上百叶窗，也有“（暂时或永久地）停业”的含义（to close down a business or activity）。

📍《经济学人》（The Economist）一篇讲述疫情影响的文章中提到：As covid-19 shutters businesses and leaves supermarket shelves bare, ...随着新冠肺炎导致众多企业关闭，超市货架空空如也，

表示“表达；表示；显示”，英文解释为“to do sth to make your feelings or opinions known”举个🌰：

He signalled his discontent by refusing to vote. 他拒绝投票以示不满。

receivership /rɪˈsiː.və.ʃɪp/ 表示“破产管理；破产在管”，英文解释为“a situation in which a company is controlled by the receiver because it has no money”

The bank had $209 billion in total assets at the time of failure, the FDIC said. It was unclear how much of its deposits were above the $250,000 insurance limit at the moment, but previous regulatory reports showed that much of Silicon Valley Bank's deposits exceeded that limit.

FDIC表示，该银行倒闭时的总资产为2090亿美元。目前尚不清楚其存款中有多少超过了25万美元的保险限额，但此前的监管报告显示，该银行的大部分存款都超过了该限额。

表示“超过，超出（数量）；超越（规定的范围）”，英文解释为“to be greater than a number or amount, or to go past an allowed limit”举个🌰：

The final cost should not exceed ￥100. 最终的花费不应超出100元。

The FDIC said Friday that deposits below the $250,000 limit would be available Monday morning.

FDIC周五表示，低于25万美元限额的存款下周一早上将可以取用。

Silicon Valley Bank appeared stable this year, but on Thursday it announced plans to raise up to $1.75 billion to strengthen its capital position. That sent investors scurrying and shares plunged 60%. They fell further on Friday before the opening of the Nasdaq, where it is traded.

硅谷银行今年的状况原本看起来是稳定的，但该银行周四宣布计划筹集多达17.5亿美元以加强其资本状况。这让投资者匆忙撤退，股价暴跌60%，并于周五在纳斯达克开市前进一步下跌。

scurry /ˈskʌr.i/ 表示“碎步快跑”，英文解释为“to move quickly, with small, short steps”举个🌰：

The mouse scurried across the floor. 老鼠从地板上嗖地溜过。

可以作动词，也可以作名词，表示“骤降”，英文解释为“If an amount or rate plunges, it decreases quickly and suddenly.”举个例子：

His weight began to plunge. 他的体重开始骤然下降。（动词）

Japan's banks are in trouble because of bad loans and the stock market plunge. 日本各家银行处于困境，缘于不良贷款以及股市的暴跌。（名词）

📍2020年4月瑞幸咖啡怎么了？文中就提到了CNN的标题China's Luckin Coffee plunges 75% on accounting probe用的是plunge一词，表示股价暴跌。类似的表达「暴跌」的词有：plummet，tank，sink，slump，...

📍slump表示“（价值等）暴跌”，英文解释为“If something such as the value of something slumps, it falls suddenly and by a large amount.”举个🌰：

Net profits slumped by 25%. 净利润暴跌了25%。

📍plummet /ˈplʌmɪt/ 表示“（数量、比率、价格）暴跌”，英文解释为“If an amount, rate, or price plummets, it decreases quickly by a large amount.”举个🌰：

Her spirits plummeted at the thought of meeting him again. 一想到又要见到他，她的心情便直往下沉。

📍tank，熟词僻义，作名词是坦克的意思，作动词有“表现得很糟糕，快速减少，衰落，下跌”的含义，英文解释为“If something such as a stock price or a movie tanks, it performs very badly, for example because it loses a lot of money.”举个🌰：

Tech stocks have tanked. 科技股票暴跌了。

As its name implied, Silicon Valley Bank was a major financial conduit between the technology sector, its founders and startups as well as its workers. Hundreds of companies held their operating capital with the bank, and it was seen as good business sense to develop a relationship with Silicon Valley Bank if a founder wanted to find new investors or go public.

正如其名所示，硅谷银行是硅谷科技行业的一个主要金融渠道。数百家公司在该银行存有运营资金，如果公司创始人想寻找新的投资者或上市，与硅谷银行建立关系被视为良好的商业意识。

conduit /ˈkɒn.dʒuː.ɪt/ 1）表示“（水、电线等的）管道，导管”，英文解释为“a pipe or passage for water or electrical wires to go through”

2）表示“（连接两地的）渠道”，英文解释为“a way of connecting two places”

1) 表示“公开，公之于众”，英文解释为“to tell everyone about something that was secret”举个🌰：

The planners are almost ready to go public on the road-building scheme. 规划者们差不多准备好公布筑路方案了。

2) 表示“（公司）公开发售股票，上市”，英文解释为“to become a public company”举个🌰：

The company went public in 2023. 这家公司于2023年上市。

🎬电影《美国队长3：内战》（Captain America: Civil War）中的台词提到：Tips have been pouring in since that footage went public. 录像公布后收到了很多线报。

🎬电影《心理游戏》（The Game）中的台词提到：CRS won't go public. They're family owned. 「消服会」不上市，它是家族企业。

"We saw building a relationship with Silicon Valley Bank as a logical step, given their reach," said Ashley Tyrner, CEO of FarmboxRx, a company that delivers food as medicine to Medicaid and Medicare recipients. While Tyrner has money in other banks and can make payroll, she said a good portion of her business' profits are now locked up with the bank.

健康公司FarmboxRx首席执行官阿什莉·泰纳(Ashley Tyrner)说：“考虑到硅谷银行的影响力，我们认为与硅谷银行建立关系是合乎逻辑的一步。”虽然泰纳在其他银行有资金可以发工资，但她说，她的公司的利润很大一部分现在都被锁在硅谷银行。

表示“（公司员工的）在职人员工资表，发薪员工表”，英文解释为“a list of the people employed by a company showing how much each one earns”如：a payroll tax 薪金税，工资税；或者表示“（公司的）工资发放总额”，英文解释为“the total amount of money paid to the people employed by a particular company”

Silicon Valley's connections to the tech sector became a liability rapidly. Technology stocks have been hit hard in the past 18 months after a growth surge during the pandemic and layoffs have spread throughout the industry.

科技股在新冠疫情期间飙涨，但在过去的18月里受到重创，整个行业都在裁员。硅谷银行与科技行业的联系迅速成为了其负担。

liability /ˌlaɪ.əˈbɪl.ə.ti/ 不可数名词，表示“（法律上对某事物的）责任，义务”，英文解释为“the fact that someone is legally responsible for something”举个🌰：

He denies any liability for the damage caused. 他对造成的损失拒绝承担任何责任。

可数名词，表示“累赘；惹麻烦的人（或事）”，英文解释为“If you say that someone or something is a liability, you mean that they cause a lot of problems or embarrassment.”

通常用复数，liabilities表示“债务，负债”，英文解释为“debts”举个🌰：

The business has liabilities of 2 million euros. 该公司负债达200万欧元。

1）作动词，表示“急剧上升；飞涨；剧增”，英文解释为“If something surges, it increases suddenly and greatly, after being steady or developing only slowly.”举个🌰：

The company's profits have surged. 公司的利润激增。

2）作名词，表示“剧增”，英文解释为“A surge is a sudden large increase in something that has previously been steady, or has only increased or developed slowly.”举个🌰：

An unexpected surge in electrical power caused the computer to crash. 突然出现的电压剧增导致电脑死机。

🎬电影《雷神2：黑暗世界》（Thor: The Dark World）中的台词提到：But she will not survive the amount of energy surging within her. 但她体内涌动的能量太大 她撑不住的。

layoff /ˈleɪ.ɒf/ 表示“解雇，解聘，下岗”，英文解释为“an occasion when a company stops employing someone, sometimes temporarily, because the company does not have enough money or enough work”

At the same time, the bank was hit hard by the Federal Reserve's fight against inflation and an aggressive series of interest rate hikes to cool the economy.

与此同时，该银行还受到美联储抗击通货膨胀和一系列大力加息举措的沉重打击。

表示“通货膨胀”，英文解释为“a general, continuous increase in prices”如：high/low inflation 高/低通货膨胀。

1）作名词，表示“突然上涨”，英文解释为“A hike is a sudden or large increase in prices, rates, taxes, or quantities.”如：a sudden 0.36 percent hike in interest rates 利率突涨0.36%。

2）作动词，表示“使大幅上升”，英文解释为“To hike prices, rates, taxes, or quantities means to increase them suddenly or by a large amount.”举个🌰：

It has now been forced to hike its rates by 1.36 percent.  它现在被迫将其税率提高1.36%。

As the Fed raises its benchmark interest rate, the value of bonds, typically a stable asset, start to fall. That is not typically a problem as the declines lead to "unrealized losses," or losses that are not counted against them when calculating the capital cushion than banks can use should there be a downturn in the future.

随着美联储提高基准利率，债券的价值开始下跌。这通常不是问题，因为下跌只会导致“未实现损失”，这种“损失”不计入银行在未来出现低迷时可以使用的资本缓冲。

表示“基准”，英文解释为“something which can be measured and used as a standard that other things can be compared with”。

作名词可以表示“公债；债券”，英文解释为“an official paper given by the government or a company to show that you have lent them money that they will pay back to you at a particular interest rate”

作动词，表示“联合；团结；建立关系”，英文解释为“to develop a close connection or strong relationship with someone, or to make someone do this”举个🌰：

The aim was to bond the group into a closely knit team. 其目的在于使整个团体紧密团结在一起。

📍bonding本身可以作不可数名词，表示“人与人之间的关系（或联结）；亲密关系的形成”，英文解释为“the process of forming a special relationship with sb or with a group of people”，如：mother-child bonding 母子亲情，female bonding 女性的情谊。

cushion /ˈkʊʃ.ən/ 表示“垫子；座垫；靠垫”，英文解释为“a bag made of cloth, plastic, or leather that is filled with soft material, often has an attractive cover, and is used especially on chairs for sitting or leaning on”

也可以表示“起保护（或缓冲）作用的事物”，英文解释为“something that makes the effects of a bad situation less severe”举个🌰：

You should aim to build up a cushion of money in case of emergencies. 你应该尽量留一些应急的钱。

However, when depositors grow anxious and begin withdrawing their money, banks sometimes have to sell those bonds before they mature to cover that exodus.

然而，当储户变得焦虑并开始提款时，银行有时不得不在这些债券到期之前出售它们以弥补资金外流。

exodus /ˈek.sə.dəs/ 1）表示“（大批人的）退出，离开”，英文解释为“the movement of a lot of people from a place”举个🌰：

There has been a mass exodus of workers from the villages to the towns. 一直有大量工人源源不断从农村涌入城市。

2）Exodus大写时表示“《出埃及记》（基督教《圣经‧旧约》第二卷，记载摩西率领以色列人离开埃及之事）”，英文解释为“the second book of the Bible telling of Moses and the journey of the Israelites out of Egypt”

That is exactly what happened to Silicon Valley Bank, which had to sell $21 billion in highly liquid assets to cover the exodus of deposits. It took a $1.8 billion loss on that sale.

这正是硅谷银行所遭遇的情况，该银行不得不出售210亿美元的高流动性资产以应对存款外流，并因此亏损了18亿美元。

Tyrner said she's spoken to several friends who are backed by venture capital. She described those friends as being "beside themselves" over the bank's failure. Tyrner's chief operating officer tried to withdraw her company's funds on Thursday but failed to do so in time.

泰纳说她已经和几个得到风投支持的朋友聊过。她形容那些朋友因为硅谷银行的倒闭而“急疯了”。泰纳的首席运营官周四试图取出公司的资金，但没来得及。

表示“（因情绪太强烈而）无法控制自己；失去自制力，失常”，英文解释为“If you are beside yourself with a particular feeling or emotion, it is so strong that it makes you almost out of control.”举个🌰：

He was beside himself with grief when she died. 她死时他悲痛欲绝。

"One friend said they couldn't make payroll today and cried when they had to inform 200 employees because of this issue," Tyrner said.

泰纳说：“一位朋友说他们今天无法发工资，并且不得不通知200名员工时哭了。”

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