美国的各大银行在走钢丝？今年持有至到期资产的未实现损失，接近4000亿美元。人们认为这不会成为问题，因为美联储今年会大幅降息，但如果没有降息怎么办？U.S. Banks finished the year with almost $400 billion of unrealized losses on held-to-maturity assets. The assumption is this wouldn't be a problem because the Fed would cut A LOT this year but what if that doesn't happen?