智通财经APP获悉，投资者们正在担心美国地区性质银行板块将上演自硅谷银行倒闭以来未曾见过的抛售规模，地区银行领军 者Zions Bancorp(ZION.US)以及Western Alliance Bancorp(WAL.US)所面临的信贷麻烦将美国区域性银行的优先股推上金融市场 风口浪尖，这些优先股似乎成市场泄愤点，遭遇大规模抛售。 周四，Zions的优先股暴跌，创下自2023年5月以来最大跌幅，且跌至18个月低点;Western Alliance的其中一只优先股则创下自 2024年4月以来的最大跌幅。买价显示这些证券周五将进一步下跌。上述这两家贷款机构称，它们在向投资于困境商业按揭的 基金发放贷款中遭遇欺诈，触发其普通股下跌10%。 这两家地区银行所面临的信贷资产困局，令整个美国地区性银行股价在周四遭遇暴跌，跟踪这些地区银行的基准指数创下自 2023年3月硅谷银行倒闭以来表现第二差交易日。 这场关于美国地区银行的危机实际源于Zions Bancorp 披露对两笔贷款计提6000万美元拨备并核销5000万美元，这笔损失相当 于其2025年市场预期盈利的5%。法庭文件显示，这是继次贷汽车放贷机构Tricolo ...

除此之外，当天标普区域性银行精选行业指数暴跌6.3%，为今年4月美关税政策引发美股抛售以来的最 大单日跌幅。受区域银行股价下跌拖累，美大银行股价也遭遇"池鱼之殃"几乎全线下跌，美银及花旗分 别跌3.5%，富国银行及摩根大通跌幅则分别超过2%，74家美国大型银行的总市值在一天之内抹去了超 过1000亿美元。 这种担忧并非杞人忧天，美国对此更是有着惨痛经历。2023年3月爆发的美国区域性银行危机先后击倒 硅谷银行、签名银行和第一共和银行。这场危机不仅一度令美国银行业和美股"风声鹤唳"，更是对全球 金融系统稳定性带来了一定冲击。2008年雷曼兄弟倒闭更是成为美国金融业的"心头之痛"。 市场恐慌的"导火索"来自美国两家地区性银行。此前，锡安银行宣布，对其全资子公司加州银行与信托 发放的两笔商业贷款，计提5000万美元坏账拨备——该指标反映被核销为损失的未偿债务。同日，西联 银行宣布，就一项循环信贷额度提起诉讼，以追回约1亿美元，并指控"借款人存在欺诈行为"。 信贷担忧重燃成主因 数月以来，美国银行业已经发生多起贷款"爆雷"事件，锡安银行和西联银行此举再度触及市场的敏 感"神经"。投资者担忧，近年来美国金融监管更趋宽松 ...

Core Viewpoint - Concerns over bad loans at midsize U.S. banks exist, but there is little evidence of a systemic problem that could lead to a broader financial crisis according to a senior analyst at Moody's Ratings [1][2]. Group 1: Credit Cycle and Asset Quality - The credit cycle does not show signs of turning negatively, with no evidence found to support market fears [3]. - Asset quality numbers have shown very little deterioration over the last several quarters, indicating stability in the banking sector [3]. Group 2: Market Reactions and Sentiment - Bank stocks experienced a significant sell-off due to concerns over bad loans, particularly after disclosures from Zions Bancorp and Western Alliance Bancorp [3][4]. - Market sentiment improved following a sell-off, with the SPDR S&P Regional Banking ETF rising 2% in premarket trading after a 6.2% drop [6][7]. Group 3: Default Rates and Economic Outlook - Default rates on high-yield debt remain low, under 5% this year, and are expected to decline to below 3% by 2026, contrasting sharply with the high double-digit defaults during the 2008 financial crisis [5]. - The U.S. economy is performing better than anticipated, with GDP growth exceeding expectations and credit quality appearing stable or potentially improving [5][6].

US stock futures bounced back on Friday after President Trump said that high tariffs on China will not remain, helping calm investors, as per the X post by The Kobeissi Letter. Earlier, markets had dropped sharply. After Trump’s comment, the S&P 500 Because of the earlier US stock futures drop investors sold risky stocks like AI and tech companies. They put their money into safer things like gold and government bonds. The Dow Jones fell about 235 points, the S&P 500 went down 0.8%, and the Nasdaq dropped 1% ...

Core Insights - Zions Bancorp announced a $50 million charge-off related to two troubled loans at its California Bank & Trust unit [1] - Western Alliance Bancorp is suing a borrower for alleged fraud, indicating potential issues in loan management and borrower reliability [1] Company Summaries - Zions Bancorp is facing challenges with its loan portfolio, as evidenced by the significant charge-off, which may impact its financial stability and investor confidence [1] - Western Alliance Bancorp's legal action against a borrower highlights risks associated with credit quality and the need for stringent due diligence in lending practices [1]

新华财经北京10月17日电 美国地区性银行日前再次"暴雷"。两家银行披露，遭遇借款人涉嫌欺诈事 件，引发市场对银行贷款健康状况广泛担忧。 此前，美国汽车零部件制造商"第一品牌"和汽车贷款机构"三色"宣布破产。这两起破产已导致信贷投资 者蒙受损失，正接受美国司法部审查。 《华尔街日报》认为，"第一品牌"和"三色"的破产已引发市场对放贷标准的忧虑。 布拉西勒说："历史上欺诈事件具有高度偶发性，属个案性质。但如果这类不法分子集中涌现，欺诈变 得普遍怎么办？这正是当前投资者试图解答的核心问题。" 摩根大通首席执行官杰米·戴蒙称正关注局势发展，"发现一只蟑螂，就可能还有更多"。 按《华尔街日报》说法，与"第一品牌"关系密切的杰富瑞金融集团股价16日下跌超10%。 据美国《华尔街日报》16日报道，美国锡安银行集团和西部联盟银行分别披露涉嫌遭遇欺诈。 锡安银行集团15日在监管文件中称，发现两笔有关联的工商业贷款存在"明显虚假陈述和违约行为"，将 对相关贷款计提6000万美元拨备。该行同样发现"与贷款及抵押品相关的其他违规行为"，已在加利福尼 亚州对涉事借款方提起诉讼。锡安银行集团总部位于犹他州，资产规模约890亿美元。 西 ...

锡安银行16日披露，其全资子公司的两笔商业与工业贷款发生6000万美元坏账，已向相关人员提起欺诈 诉讼。 同日，西部联合银行确认，曾向相关借款方提供信贷服务，也已提起欺诈诉讼。 据美国媒体16日报道，美国两大地区银行——锡安银行和西部联合银行遭贷款欺诈，当天股价均大跌超 过10%。受此影响，当天美国地区银行指数下跌6.3%，美国74家大型银行的市值合计蒸发超1000亿美 元。 美媒报道称，该事件进一步加剧了近期市场对美国银行信贷风险的担忧。 （文章来源：央视新闻） ...

Core Points - Global markets experienced a sharp decline following the disclosure of fraudulent loans by two U.S. regional banks, raising concerns about the private credit market [1][4] - The VIX fear index surged over 30%, indicating heightened market volatility and investor anxiety [1][2] - The exposure of Zions Bancorporation and Western Alliance Bank to potentially fraudulent loans of $50 million to $60 million triggered widespread sell-offs in bank stocks [3][4] Market Reactions - 74 American bank stocks collectively lost $100 billion in market capitalization, with the S&P 500 dropping 0.63% [4] - The S&P Regional Banks Select Industry Index fell by 6.3%, marking its worst decline since April [4] - European markets, including the Stoxx 600 and FTSE 100, also saw losses exceeding one percentage point immediately after opening [5] Broader Implications - The contagion effect is impacting other risk assets, reflecting ongoing sensitivity to regional bank issues, reminiscent of the SVB collapse in 2023 [6][7] - The dollar weakened by 0.08% in response to these developments, losing 0.73% against foreign currencies over the past five days [6] - Analysts suggest that the current risks, while appearing more isolated than in 2023, could indicate a deteriorating U.S. business environment and credit quality [7]

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Regional bank stocks tumbled on Thursday after Zions Bancorp said it would write off fraudulent loans made to two borrowers, adding to investors’ fears about bank lending standards and stress in credit markets. https://t.co/tlfefxzKDM ...