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The Silicon Valley Bank fallout has ripple effects on Chinese startups, particularly those backed by U.S. dollar-denominated funds.
硅谷銀行的余波對中國的初創(chuàng)企業(yè)，特別是獲得美元基金支持的初創(chuàng)企業(yè)產(chǎn)生漣漪效應(yīng)。

ripple effects：漣漪效應(yīng)
Fallout：后果、余波
Denominate：以某種貨幣為單位

U.S. regulators shut down the bank Friday in what has become the country’s second-biggest banking failure. Silicon Valley Bank had built its business on supporting tech startups, including those from China.
美國監(jiān)管機(jī)構(gòu)于上周五關(guān)閉了硅谷銀行，這亦是美國第二大銀行倒閉事件。硅谷銀行的業(yè)務(wù)以支持科技初創(chuàng)企業(yè)，包括中國的科技初創(chuàng)企業(yè)為主。

The online system for opening an account at SVB had allowed the use of a Chinese mobile number for verification, according to one Chinese tech startup founder who requested anonymity due to the sensitive nature of the situation. The source highlighted that they once had tens of millions of U.S. dollars at SVB.
按照中國一家科技初創(chuàng)企業(yè)創(chuàng)始人的說法（由于事情的敏感性，該創(chuàng)始人要求隱去姓名），通過硅谷銀行的在線系統(tǒng)開設(shè)賬戶時(shí)，用戶可以使用中國手機(jī)號碼進(jìn)行驗(yàn)證。該消息人士強(qiáng)調(diào)表示，他們曾在硅谷銀行放了數(shù)千萬美元。

He’s since moved most funds out, but he said he still had more than $250,000 at SVB.
隨后，他將大部分資金取出，但是還有25萬多美元在硅谷銀行里。

Along with the backing of a mainstream venture capitalist, a startup could open an account at SVB within a week. “Mainstream traditional banks, such as Standard Chartered, HSBC, Citi have strict compliance and it takes a long time to start a bank account with them. It can take up to 3-6 months,” he said.
有了主流風(fēng)投的支持，初創(chuàng)企業(yè)在一周之內(nèi)就可以在硅谷銀行開設(shè)賬戶?！岸髁鱾鹘y(tǒng)銀行，比如渣打銀行、匯豐銀行、花旗銀行有著非常嚴(yán)格的規(guī)定，因此要想在這些銀行開設(shè)賬戶則需要很長時(shí)間，最長可以達(dá)3-6個(gè)月，”他表示。

venture capitalist：風(fēng)險(xiǎn)投資人

The source, who founded a fintech company and two other tech companies, said venture capitalists liked working with SVB because the bank allowed the investors to see and approve how the startups used their funds.
該消息人士創(chuàng)立了一家金融科技公司和另外兩家科技企業(yè)。他表示，風(fēng)投愿意和硅谷銀行合作，是因?yàn)楣韫茹y行允許投資人查看資金并決定初創(chuàng)企業(yè)如何使用資金。

fintech ：金融科技公司

“If there will be no SVB, it will harm the tech industry because there is no other bank which provides these two features,” the source said, referring to the speedy account opening for startups and visibility for venture capitalists.
該人士介紹，“如果以后沒有硅谷銀行，那么這將傷害到科技行業(yè)，因?yàn)檫€沒有其他哪家銀行可以提供這兩項(xiàng)服務(wù)，即初創(chuàng)企業(yè)快速開設(shè)賬戶和風(fēng)投可查看資金的使用情況。”

Having a bank account with SVB allowed China-based startups to tap funding from U.S.-based investors, with an eye to a public offering in the U.S.
通過在硅谷銀行開設(shè)銀行賬戶，中國的初創(chuàng)企業(yè)可以利用美國投資者的資金支持在美國公開募股。

It was not immediately clear how many China-based startups had SVB accounts. However, the CNBC source noted many China-based startups with U.S. VC funding have tended to start off with bank accounts at SVB.
目前還尚不清楚有多少家中國的初創(chuàng)企業(yè)在硅谷銀行有賬戶。但是，CNBC的消息人士強(qiáng)調(diào)，中國許多有美國風(fēng)投資金支持的初創(chuàng)企業(yè)都會一開始在硅谷銀行開設(shè)銀行賬戶。

Shanghai-based biotech company Zai Lab said that as of the end of December, about 2.3% of its roughly $1.01 billion in cash and cash equivalents were held at SVB. Most were at JPMorgan Chase, Citigroup and Bank of China (Hong Kong), Zai Lab said in an official statement.
位于上海的生物科技公司再鼎醫(yī)藥在一份官方公告中表示，截至12月末，公司大約10.1億美元的現(xiàn)金和現(xiàn)金等價(jià)物中大約有2.3%在硅谷銀行。絕大部分的現(xiàn)金和現(xiàn)金等價(jià)物都在摩根大通、花旗銀行、中國銀行（香港）。

Another biotech company called Everest Medicines said it had less than 1% of its cash at SVB, and that it expects to recover most of its deposits at the bank through the U.S. Federal Deposit Insurance Corporation.
另一家生物科技企業(yè)云頂新耀表示，其在硅谷銀行的存款不到其現(xiàn)金的1%。公司期望能夠通過美聯(lián)儲存款保險(xiǎn)公司收回其在硅谷銀行的絕大部分存款。

The FDIC said insured depositors can access their deposits no later than Monday morning local time. Its standard insurance covers up to $250,000 per depositor, per bank, for each account ownership category.
美聯(lián)儲存款保險(xiǎn)公司（FDIC）表示，已投保的儲戶最遲可在當(dāng)?shù)貢r(shí)間周一早上拿到存款。針對各種賬戶所有權(quán)種類，美聯(lián)儲存款保險(xiǎn)公司針對每個(gè)儲戶和每家銀行的標(biāo)準(zhǔn)保險(xiǎn)金額最高可達(dá)25萬美元。

However, most deposits held by SVB were uninsured. The FDIC said uninsured depositors will get receivership certificates for their balances.
但是，硅谷銀行的絕大多數(shù)存款都沒有保險(xiǎn)。FDIC表示，沒有保險(xiǎn)的儲戶將針對其余額拿到接管證明。

China joint venture claims independence
中國合資企業(yè)宣稱其具有獨(dú)立地位

SVB’s joint venture in China — held 50-50 with Shanghai Pudong Development Bank — said in a statement it has an independent balance sheet.
硅谷銀行與上海浦發(fā)銀行（持股比例各為50%）在中國的合資企業(yè)在一份聲明中表示，其具有獨(dú)立的資產(chǎn)負(fù)債表。

Called SPD Silicon Valley Bank, the joint venture had 2 billion Chinese yuan ($290 million) in registered capital, according to business database Tianyancha.
根據(jù)商業(yè)數(shù)據(jù)庫天眼查的記錄，合資企業(yè)-上浦發(fā)硅谷銀行的注冊資本為20億人民幣（合2.9億美元）。

That’s about 6.8% of Shanghai Pudong Development Bank’sregistered capital of 29.35 billion yuan, the data showed.
數(shù)據(jù)顯示，該注冊資本大約為上海浦發(fā)銀行注冊資本（293.5億人民幣）的6.8%。

As of the end of December, SVB had roughly $209 billion in total assets and $175.4 billion in total deposits, according to a press release.
根據(jù)新聞稿，截至12月末，硅谷銀行的總資產(chǎn)大約為2090億美元，總儲蓄為1754億美元。

原文來源：CNBC

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