1/ Was ist passiert?
a) Schattenbankwesen und Einlagenkonzentration
Das US-Bankensystem besteht aus mehr als 4.000 Kreditinstituten, von denen die überwiegende Mehrheit weniger als 10 Mrd. US-Dollar an Assets hält. Die aufsichtsrechtliche Überwachung unterscheidet sich offensichtlich zwischen JPMorgan Chase (mit einer Bilanzsumme von mehr als 3.600 Mrd. US-Dollar per Ende 2022) und einer kleinen Regionalbank. Für kleinere Banken gelten geringere Eigenkapitalanforderungen, und sie unterliegen keinen Liquiditätsbeschränkungen. Dennoch geht es hier nicht um ein Versagen der Regulierungsbehörden.
Es handelt sich hierbei um ein schnelles Wachstum und eine Konzentration von Einlagen, die für drei Banken schlecht endet:
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a) Schattenbankwesen und Einlagenkonzentration
Das US-Bankensystem besteht aus mehr als 4.000 Kreditinstituten, von denen die überwiegende Mehrheit weniger als 10 Mrd. US-Dollar an Assets hält. Die aufsichtsrechtliche Überwachung unterscheidet sich offensichtlich zwischen JPMorgan Chase (mit einer Bilanzsumme von mehr als 3.600 Mrd. US-Dollar per Ende 2022) und einer kleinen Regionalbank. Für kleinere Banken gelten geringere Eigenkapitalanforderungen, und sie unterliegen keinen Liquiditätsbeschränkungen. Dennoch geht es hier nicht um ein Versagen der Regulierungsbehörden.
Es handelt sich hierbei um ein schnelles Wachstum und eine Konzentration von Einlagen, die für drei Banken schlecht endet:
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