伊朗最大私營銀行破產 4200萬客戶受影響




伊朗一家大型私營銀行破產,影響4200萬客戶

伊朗最大的私營銀行之一,Ayandeh Bank 宣布破產,超過4200萬客戶的資產被國有銀行 Bank Melli 吸收。根據當地媒體 Iran International 的報導,Ayandeh Bank 在周四宣告破產,累積了51億美元的虧損和近30億美元的債務。

這一破產事件發生在伊朗中央銀行未能拯救該銀行之後,官員們別無選擇,只能關閉這家擁有270家分行的銀行。

根據伊朗新聞更新的報導,超過4200萬名客戶受到影響。

中央銀行保證客戶能夠立即取回存款

儘管中央銀行行長穆罕默德·雷扎·法爾津(Mohammad Reza Farzin)向 Ayandeh 的客戶保證,他們能夠立即取回存款,但這一事件突顯了信任銀行的風險,這些銀行借用客戶存款,並在出現問題時尋求救助。

銀行系統的失敗似乎是比特幣創始人中本聰創造比特幣的動機之一,因為比特幣的創世區塊中嵌入了一條信息,提到英國政府拯救銀行的事件。

在過去幾年中,美國的地方銀行危機是比特幣增長的催化劑之一,2023年初,矽谷銀行、簽名銀行和銀門銀行相繼宣告破產或被迫清算,導致比特幣的價格從2萬美元以下攀升至超過2萬9千美元,因為公眾對美國銀行系統的信任減弱。

伊朗銀行系統脆弱,八家銀行面臨解散風險

由於廣泛的制裁,伊朗的銀行系統變得脆弱,這些制裁阻止了對國際金融網絡的訪問,限制了美元交易,並增加了當地銀行業的風險,同時伊朗里亞爾的購買力持續下降。

早些時候,中央銀行警告稱,除非其他八家當地銀行進行改革,否則它們面臨解散的風險。

伊朗的加密貨幣交易所也面臨問題,Nobitex 在6月遭遇8100萬美元的黑客攻擊,這是導致伊朗加密貨幣流動量在7月之前下降11%的主要原因之一,期間與以色列的衝突不斷。

評論

這一事件不僅是伊朗金融體系危機的縮影,也反映了全球銀行系統面臨的風險。隨著數字貨幣的興起,越來越多的人開始質疑傳統銀行的穩定性和安全性。Ayandeh Bank 的破產提醒我們,儘管銀行提供存款保障,但在危機時期,實際的資金安全性仍然是一個重要的考量因素。

此外,這一事件可能會促使更多人轉向加密貨幣等非傳統金融工具,以尋求更高的安全性和控制權。隨著全球金融環境的不斷變化,投資者應該更加謹慎,並考慮多元化投資以減少風險。

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