关于美国加密银行接连倒下的个人观点

最近连续三个加密友好银行因挤兑而被关闭，并不用恶意揣测背后黑手，而应该视为加密市场的周期特征。

因为加密市场周期性明显，在牛市初期大量现多通过这些加密友好银行进入加密市场，海量的现金存在银行，现金没有去处，银行高管去做了长期债券（10年）。

但是加密市场的另一个特征是，周期时间短，进入熊市后，海量的代币需要从加密市场回流到银行，然后提出现金。

结果就出现了，万亿级的市场，流出的资金可能在千亿级，放在几家银行上，必然的结果就是没有足够的现金储备（都做长期理财去了）

最后，这些原来承接入金的银行没有现金应对出金需求。

结论：银行还没有适应加密货币的周期节奏。

A personal opinion on the successive collapses of US banks who are friendly to cryptocurrency

1/ The recent closure of three crypto-friendly banks in a row due to a run on the banks should be seen as a cyclical feature of the cryptocurrency without malicious speculation about the black hand behind it.

2/ Because of the obvious cyclical nature of the cryptocurrency, at the beginning of the bull market a large amount of cash came into the cryptocurrency through these crypto friendly banks for tokens, a huge amount of cash was in the banks, the cash had no place to go and the bank executives went into long term bonds (10 years).

3/ But another feature of the crypto market is that the cycle time is short and as it enters the bear market, huge amounts of tokens need to flow back from the crypto market to the banks and then the cash is withthawed from the banks.

4/ The result is that, with a trillion dollar market, the outflows could be in the hundreds of billions, placed on a few banks, with the inevitable result of not having enough cash reserves (all going intointo long term bonds management)

5/ In the end, these banks that were deposited do not have the cash to cover with the demand for withthaw funds.

Conclusion: Banks have not adapted to the rhythm of the cryptocurrency cycle.

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