渣打银行CEO呼吁：美国银行业危机后必须重新审视“大而不能倒”问题

Core Viewpoint - The concept of "too big to fail" needs to be re-evaluated in light of recent bank failures, including that of Silicon Valley Bank, which had assets of $250 billion [2]. Group 1: Bank Failures and Regulatory Response - The recent turmoil in the U.S. banking sector began with the failure of a small bank friendly to cryptocurrency in early March, which then spread to three other regional banks [2]. - The response from regulators to provide a funding channel for all banks was deemed "perfect," but the ideal response would have been to offer liquidity before the banks faced challenges [2][3]. Group 2: Market Competition and Concentration - Standard Chartered's CEO highlighted that despite JPMorgan Chase's significant deposit share of approximately 12%, the U.S. remains a highly competitive banking market [2]. - The concentration of deposit market share in major cities like New York, Chicago, and Los Angeles should be noted by regulators, as 12% is manageable [2].