美两家银行暴雷，市值蒸发1000亿！美金融危机要再次上演？

Group 1 - The recent bank failures in the U.S., specifically Zion Bank and Western Alliance Bank, were triggered by loan fraud allegations, leading to a $60 million bad debt provision and a significant drop in the regional banking sector, with the KBW Regional Banking Index falling by 6.3% and $100 billion in market value evaporating overnight [3][5] - The rising default rates on student loans have reached 8% in Q1, affecting 5.6 million borrowers, indicating a broader financial strain that even high-quality borrowers cannot withstand, with average credit scores plummeting by 177 points [5][7] - Credit card default rates for small and medium-sized banks have surged to 7.8%, surpassing levels seen during the pandemic, reflecting a severe financial burden on consumers [5][7] Group 2 - The imposition of increased tariffs by the Trump administration on everyday goods, such as a 25% tariff on lumber and cabinets, is expected to rise to 50% next year, resulting in an additional annual cost of $1,600 per household, exacerbating inflationary pressures [7][9] - The Federal Reserve faces a dilemma between lowering interest rates, which could trigger inflation and a dollar collapse, or maintaining rates, risking bank failures and debt crises [7][9] - The price of gold has surged to $4,200, indicating a lack of confidence in the U.S. dollar, as investors seek safe-haven assets amid the financial turmoil [9]