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Silicon Valley Bank collapse could have major impact on tech industry
硅谷银行倒闭可能对科技行业产生重大影响
The sudden collapse of the top Silicon Valley lender SVB Financial Group has sent shock waves throughout the tech world, leaving tech startups scrambling to make payroll this month, which could be followed by a wide wave of failures and layoffs in the tech industry.
硅谷银行的突然倒闭在整个科技界引发了冲击波，使得科技初创企业在本月争相发放工资，而这可能会使科技行业之后出现大范围倒闭和裁员潮。
With approximately $209 billion in total assets and $175.4 billion in total deposits at the end of last year, the 16th largest bank in the US was closed by California's banking regulators on Friday due to "inadequate liquidity and insolvency."
截至去年年底，这家美国第16大银行的总资产约为2090亿美元，总存款为1754亿美元。然而，加州银行监管机构周五（3月10日）以“流动性不足和资不清偿”为由关闭了该银行。
The FDIC said Friday that all accounts would quickly get access to the insured portions of their deposits, but the rest would depend on how much is recovered from sales of the bank's assets, an often lengthy process.
美国联邦存款保险公司周五表示，所有账户将很快获得其存款的保险部分，但其余部分则取决于出售银行资产能够收回多少，而且这通常是一个漫长的过程。
This has left startup founders worried about whether they'll be able to keep paying their employees.
这让初创企业的创业者担心他们是否能够继续支付员工工资。
Close to half of US venture-backed tech and healthcare firms that listed on stock markets in 2022 were SVB customers, leading many to fret about the fallout from the bank’s collapse that will ripple through the already battered tech sector, which had seen mass layoffs in recent months.
在2022年美国上市的众多风投科技企业和医疗企业中，有近一半是硅谷银行的客户，这导致许多人担心该银行破产的后果会波及本已遭受重创的科技行业。近几个月来，该行业出现了大规模裁员。
Garry Tan, head of the well-known incubator Y Combinator, said in a tweet that "the real victims of the SVB fallout are the depositors: startups with 10 to 100 employees, who cannot make payroll, and will have to furlough or shut down workers as soon as Monday."
硅谷著名创业孵化器 Y Combinator首席执行官陈嘉兴在一条推文中说："硅谷银行破产的真正受害者是储户，也就是那些拥有10到100名员工的初创企业，他们无法支付工资，不得不最早在周一（13日）让员工暂时休假或彻底停工。"
He also warned that "years of U.S. innovation" are on the line, as an entire "generation of American startups" could be destroyed in a month or two.
他还警告说，美国“多年的创新”岌岌可危，因为整整“一代美国创业公司”可能在一两个月内被摧毁。
Top U.S. investor Bill Ackman raised a similar alarm on Twitter, saying that SVB's collapse "could destroy an important long-term driver of the economy."
美国顶级投资人比尔?阿克曼也发出了类似的警告，称硅谷银行的破产“可能摧毁（美国）经济的一个重要的长期驱动力”。
Voices from tech and finance are increasingly calling for the federal government to push another bank to take over the failed Silicon Valley Bank, CNBC reported. According to several U.S. media reports, SVB had discussed a possible buyout with several banks on Thursday and Friday, but could not find a solution quickly enough.
美国消费者新闻与商业频道报道称，美国科技界和金融界有越来越多的声音呼吁联邦政府推动另一家银行来接管破产的硅谷银行。根据几家美国媒体的报道，硅谷银行曾与几家银行讨论过可能的收购问题，但未能迅速找到解决方案。
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