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美联储报告:美联储审查人员未能迅速发现Silvergate的问题,且其管理者“效率低下”
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比推消息,根据美联储监察长办公室(OIG) 的一份报告,Silvergate Bank从一家社区贷款机构转变为一家加密货币银行,而美联储审查员却没有发出警报,这使得该银行承担了致命的风险。报告发现:“鉴于该银行业务不受控制的增长,审查人员应该采取更积极和果断的监管行动,以升级几个问题;资金和存款集中度不稳定;及其在关键控制职能方面存在的重大、普遍和持续的弱点。”
OIG 的结论是,根据银行业法规,Silvergate 在转向全职加密业务时应该向美联储提交申请。但这家加州银行的审查人员认为,由于 Silvergate 仍在吸收存款并向客户发放贷款,因此它仍然是一家标准的商业银行,并且从未被迫建立新的风险保护措施以配合其彻底改革的战略。报告称,Silvergate 的问题还包括其“低效”的高级管理层,他们受到裙带关系的困扰。该报告没有详细说明裙带关系指控,但前首席执行官Alan Lane因雇用多名家庭成员担任高级职务而受到严厉批评。




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:) :( :D :'( :@ :o
:P :$ ;P :L :Q :lol
:loveliness: :funk: :curse: :dizzy: :shutup: :sleepy:
:hug: :victory: :time: :kiss: :handshake: :call:
:) :( :D :'( :@ :o
:P :$ ;P :L :Q :lol
:loveliness: :funk: :curse: :dizzy: :shutup: :sleepy:
:hug: :victory: :time: :kiss: :handshake: :call:
:hug: :victory:
:) :( :D :'( :@ :o
:P :$ ;P :L :Q :lol
:loveliness: :funk: :curse: :dizzy: :shutup: :sleepy:
:hug: :victory: :time: :kiss: :handshake: :call:
:hug: :victory: :time: :kiss: :handshake: :call:
:hug: :victory: :time: :kiss: :handshake: :call:
:hug: :victory: :time: :kiss: :handshake: :call:
:hug: :victory: :time: :kiss: :handshake: :call:
:hug: :victory: :time: :kiss: :handshake:
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