維基的這篇文章對這一事件前因後果的分析非常全麵。主要是因為長短國債收益率的嚴重倒掛？聯儲內部分析指出2019年開始的對銀行監管的放鬆是造成這一事件的主要原因：
Internal investigations at the FDIC and Federal Reserve noted that deregulation, not subjecting medium-sized banks to high scrutiny, reduced enforcement of remaining regulations, and government staffing shortages weakened oversight and allowed mismanagement of banks to cause their collapse.
https://en.wikipedia.org/wiki/2023_United_States_banking_crisis#cite_note-98
特別值得一提的是，有兩家倒閉的區域大銀行與加密幣泡沫的破滅有關：
Silvergate Bank and Signature Bank, both with significant exposure to cryptocurrency, failed in the midst of turbulence in that market.
目前，加密幣的炒作再次如火如荼，對銀行未來放鬆監管的憧憬正在推動當前區域銀行的暴漲。曆史往往是驚人地相似：在一片突飛猛進的大躍進中，第二輪銀行危機正在悄悄來臨。
個人意見，僅供參考。YMYD。
