The Silicon Valley Bank fallout has ripple effects on Chinese startups, particularly those backed by U.S. dollar-denominated funds.
硅谷银行的余波对中国的初创企业，特别是获得美元基金支持的初创企业产生涟漪效应。

ripple effects：涟漪效应
Fallout：后果、余波
Denominate：以某种货币为单位

U.S. regulators shut down the bank Friday in what has become the country’s second-biggest banking failure. Silicon Valley Bank had built its business on supporting tech startups, including those from China.
美国监管机构于上周五关闭了硅谷银行，这亦是美国第二大银行倒闭事件。硅谷银行的业务以支持科技初创企业，包括中国的科技初创企业为主。

The online system for opening an account at SVB had allowed the use of a Chinese mobile number for verification, according to one Chinese tech startup founder who requested anonymity due to the sensitive nature of the situation. The source highlighted that they once had tens of millions of U.S. dollars at SVB.
按照中国一家科技初创企业创始人的说法（由于事情的敏感性，该创始人要求隐去姓名），通过硅谷银行的在线系统开设账户时，用户可以使用中国手机号码进行验证。该消息人士强调表示，他们曾在硅谷银行放了数千万美元。

He’s since moved most funds out, but he said he still had more than $250,000 at SVB.
随后，他将大部分资金取出，但是还有25万多美元在硅谷银行里。

Along with the backing of a mainstream venture capitalist, a startup could open an account at SVB within a week. “Mainstream traditional banks, such as Standard Chartered, HSBC, Citi have strict compliance and it takes a long time to start a bank account with them. It can take up to 3-6 months,” he said.
有了主流风投的支持，初创企业在一周之内就可以在硅谷银行开设账户。“而主流传统银行，比如渣打银行、汇丰银行、花旗银行有着非常严格的规定，因此要想在这些银行开设账户则需要很长时间，最长可以达3-6个月，”他表示。

venture capitalist：风险投资人

The source, who founded a fintech company and two other tech companies, said venture capitalists liked working with SVB because the bank allowed the investors to see and approve how the startups used their funds.
该消息人士创立了一家金融科技公司和另外两家科技企业。他表示，风投愿意和硅谷银行合作，是因为硅谷银行允许投资人查看资金并决定初创企业如何使用资金。

fintech ：金融科技公司

“If there will be no SVB, it will harm the tech industry because there is no other bank which provides these two features,” the source said, referring to the speedy account opening for startups and visibility for venture capitalists.
该人士介绍，“如果以后没有硅谷银行，那么这将伤害到科技行业，因为还没有其他哪家银行可以提供这两项服务，即初创企业快速开设账户和风投可查看资金的使用情况。”

Having a bank account with SVB allowed China-based startups to tap funding from U.S.-based investors, with an eye to a public offering in the U.S.
通过在硅谷银行开设银行账户，中国的初创企业可以利用美国投资者的资金支持在美国公开募股。

It was not immediately clear how many China-based startups had SVB accounts. However, the CNBC source noted many China-based startups with U.S. VC funding have tended to start off with bank accounts at SVB.
目前还尚不清楚有多少家中国的初创企业在硅谷银行有账户。但是，CNBC的消息人士强调，中国许多有美国风投资金支持的初创企业都会一开始在硅谷银行开设银行账户。

Shanghai-based biotech company Zai Lab said that as of the end of December, about 2.3% of its roughly $1.01 billion in cash and cash equivalents were held at SVB. Most were at JPMorgan Chase, Citigroup and Bank of China (Hong Kong), Zai Lab said in an official statement.
位于上海的生物科技公司再鼎医药在一份官方公告中表示，截至12月末，公司大约10.1亿美元的现金和现金等价物中大约有2.3%在硅谷银行。绝大部分的现金和现金等价物都在摩根大通、花旗银行、中国银行（香港）。

Another biotech company called Everest Medicines said it had less than 1% of its cash at SVB, and that it expects to recover most of its deposits at the bank through the U.S. Federal Deposit Insurance Corporation.
另一家生物科技企业云顶新耀表示，其在硅谷银行的存款不到其现金的1%。公司期望能够通过美联储存款保险公司收回其在硅谷银行的绝大部分存款。

The FDIC said insured depositors can access their deposits no later than Monday morning local time. Its standard insurance covers up to $250,000 per depositor, per bank, for each account ownership category.
美联储存款保险公司（FDIC）表示，已投保的储户最迟可在当地时间周一早上拿到存款。针对各种账户所有权种类，美联储存款保险公司针对每个储户和每家银行的标准保险金额最高可达25万美元。

However, most deposits held by SVB were uninsured. The FDIC said uninsured depositors will get receivership certificates for their balances.
但是，硅谷银行的绝大多数存款都没有保险。FDIC表示，没有保险的储户将针对其余额拿到接管证明。

China joint venture claims independence
中国合资企业宣称其具有独立地位

SVB’s joint venture in China — held 50-50 with Shanghai Pudong Development Bank — said in a statement it has an independent balance sheet.
硅谷银行与上海浦发银行（持股比例各为50%）在中国的合资企业在一份声明中表示，其具有独立的资产负债表。

Called SPD Silicon Valley Bank, the joint venture had 2 billion Chinese yuan ($290 million) in registered capital, according to business database Tianyancha.
根据商业数据库天眼查的记录，合资企业-上浦发硅谷银行的注册资本为20亿人民币（合2.9亿美元）。

That’s about 6.8% of Shanghai Pudong Development Bank’sregistered capital of 29.35 billion yuan, the data showed.
数据显示，该注册资本大约为上海浦发银行注册资本（293.5亿人民币）的6.8%。

As of the end of December, SVB had roughly $209 billion in total assets and $175.4 billion in total deposits, according to a press release.
根据新闻稿，截至12月末，硅谷银行的总资产大约为2090亿美元，总储蓄为1754亿美元。

原文来源：CNBC

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