在瑞士信贷危机之后，币安首席执行官赵长鹏在 3 月 20 日的一条推文中质疑银行的不断倒闭，以及使用纳税人的钱定期但代价高昂的救助。
币安首席执行官质疑美国的银行业危机
银行通常被描绘成安全的，但它们也不能幸免于失败。当他们再也无法满足他们的需求时，就会发生这种情况义务 ，正如最近在硅谷银行 (SVB) 中观察到的那样，只要有银行挤兑就会崩溃。
根据 Binance 首席执行官的说法，同一家银行不断倒闭，引发危机，导致代价高昂的救助过程，通常使用纳税人的钱来维持对金融体系的信任。虽然发生了这种情况，但这位首席执行官观察到，拥有更好创意的新银行要获得美国中央银行美联储的批准要困难得多。
每隔十年左右，同样的银行就会倒闭。我们让他们活着，然后重复。一次比一次贵。
同时，新银行（待批）要进入市场竞争非常困难。还要求新银行以与旧银行完全相同的方式运营……https://t.co/fQsF7ibMrT
— CZ 🔶 币安 (@cz_binance)2023 年 3 月 20 日
CZ 的批评表明银行业需要创新和竞争。新银行进入市场的困难和像倒闭银行一样运作的要求与“自由市场”的原则背道而驰。它还会阻止新的和创新的想法进入市场，从而为客户提供更好的服务。
他的推文是在瑞士信贷和瑞银集团之后发布的合并 公告。合并将消除瑞士信贷价值超过 170 亿美元的额外一级债券（AT1 债券）。
摩根大通认为这将对投资者和金融市场产生连锁反应，并警告称这可能导致整个行业的蔓延。据摩根大通称，预计 AT1 债券的成本将出现两位数的指数增长。
摩根大通：决定减记＃瑞士信贷#AT1债券 可能导致整个行业的批发融资成本蔓延
– at1 发行成本可能“大幅”上升，可能上升至两位数 –@路透社#债券#银行#市场＃资金
— 全球市场论坛 (@ReutersGMF)2023 年 3 月 20 日
美联储理事会拒绝向怀俄明州特许特殊用途存款机构 (SPDI) Custodia 颁发牌照。 Custodia 是一家对加密货币友好的银行，美联储在其裁决 ，表示与加密相关的活动与银行业务不一致。因此，Custodia 不受中央银行监管。
加密货币价格反弹
最近硅谷银行的倒闭也引发了人们对美国银行体系稳定性的担忧。然而，尽管传统金融出现危机，但加密市场一直在反弹，比特币价格在美联储联邦公开市场委员会 (FOMC) 会议前达到 28,000 美元的九个月新高。此次集会恰逢币安宣布清算 10 亿美元的行业复苏基金并购买比特币等代币。
3 月 21 日比特币价格|来源：BTCUSDT 在币安上，TradingView
近年来，加密金融市场发展迅速，新技术和平台，主要是去中心化金融 (DeFi)，引领了这场革命。
Canva 的特色图片，TradingView 的图表
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