{"id":104914,"date":"2023-03-13T09:30:55","date_gmt":"2023-03-13T09:30:55","guid":{"rendered":"https:\/\/www.eurekers.com\/cursosbolsa\/?p=104914"},"modified":"2024-03-14T01:02:21","modified_gmt":"2024-03-14T01:02:21","slug":"quiebra-del-svb-y-panico-bancario","status":"publish","type":"post","link":"https:\/\/www.eurekers.com\/cursosbolsa\/quiebra-del-svb-y-panico-bancario","title":{"rendered":"Quiebra del SVB y p\u00e1nico bancario"},"content":{"rendered":"<p data-renderer-start-pos=\"3787\">Esta semana, la quiebra del SVB (<a href=\"https:\/\/www.svb.com\/\">Silicon Valley Bank<\/a>) ha sido la noticia m\u00e1s sonada en el mundo financiero. Y es que ha desatado un efecto bola de nieve que ha golpeado duramente a numerosas empresas. Principal banco de gran cantidad de empresas y <em>Start-ups<\/em> disruptivas que forman parte del Silicon Valley, <strong>perdi\u00f3 en dos d\u00edas cerca del 80% de su capitalizaci\u00f3n burs\u00e1til,<\/strong> cuando las acciones pasaron de valer de m\u00e1s de 200$ a menos de 30$, <strong>lo que le llev\u00f3 a declarar la quiebra y ser intervenido por la propia<\/strong> <a href=\"https:\/\/www.eurekers.com\/cursosbolsa\/que-es-la-reserva-federal\">FED<\/a>.<\/p>\n<p>\n<center><\/p>\n<blockquote class=\"instagram-media\" style=\"background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);\" data-instgrm-captioned=\"\" data-instgrm-permalink=\"https:\/\/www.instagram.com\/reel\/Cq5JmYzIajf\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\">\n<div style=\"padding: 16px;\">\n<div style=\"display: flex; flex-direction: row; align-items: center;\">\n<div style=\"background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\"><\/div>\n<div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\">\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\"><\/div>\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\"><\/div>\n<\/div>\n<\/div>\n<div style=\"padding: 19% 0;\"><\/div>\n<div style=\"display: block; height: 50px; margin: 0 auto 12px; width: 50px;\"><\/div>\n<div style=\"padding-top: 8px;\">\n<div style=\"color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;\">Ver esta publicaci\u00f3n en Instagram<\/div>\n<\/div>\n<div style=\"padding: 12.5% 0;\"><\/div>\n<div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\">\n<div>\n<div style=\"background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div>\n<div style=\"background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div>\n<div style=\"background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div>\n<\/div>\n<div style=\"margin-left: 8px;\">\n<div style=\"background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div>\n<div style=\"width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);\"><\/div>\n<\/div>\n<div style=\"margin-left: auto;\">\n<div style=\"width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div>\n<div style=\"background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div>\n<div style=\"width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div>\n<\/div>\n<\/div>\n<div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\">\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div>\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<p style=\"color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;\"><a style=\"color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;\" href=\"https:\/\/www.instagram.com\/reel\/Cq5JmYzIajf\/?utm_source=ig_embed&amp;utm_campaign=loading\" target=\"_blank\" rel=\"noopener\">Una publicaci\u00f3n compartida de Formaci\u00f3n y comunidad de bolsa (@eurekers)<\/a><\/p>\n<\/div>\n<\/blockquote>\n<p><script async src=\"\/\/www.instagram.com\/embed.js\"><\/script><\/center><\/p>\n<p><\/p>\n<h2 data-renderer-start-pos=\"4124\">\u00bfQu\u00e9 ha causado la quiebra del SVB?<\/h2>\n<p data-renderer-start-pos=\"4152\">En un contexto de subidas tan altas de <a href=\"https:\/\/www.eurekers.com\/cursosbolsa\/que-es-el-tipo-de-interes\">tipos de inter\u00e9s<\/a>, <strong>muchos inversores prefieren acudir a la renta fija<\/strong>, la cual les permite generar rentabilidad a sus ahorros, sin apenas <a href=\"https:\/\/www.eurekers.com\/cursosbolsa\/que-es-el-riesgo-financiero\">riesgo<\/a>, en detrimento de la renta variable.<\/p>\n<p data-renderer-start-pos=\"4372\">Como sabemos, los bancos funcionan con <a href=\"https:\/\/es.wikipedia.org\/wiki\/Banca_de_reserva_fraccional\">reserva fraccionaria<\/a> del 1% (o menor en EEUU), por ende, <strong>al empezar a retirar gran cantidad de inversores su dinero, y el banco no poder hacer frente a semejante tama\u00f1o de liquidez, tuvo que empezar a liquidar algunos de sus activos antes de hora,<\/strong> como su inversi\u00f3n en <a href=\"https:\/\/www.eurekers.com\/cursosbolsa\/que-es-un-bono-definicion-significado\">bonos<\/a> por valor de 28.000 millones de d\u00f3lares.<\/p>\n<p data-renderer-start-pos=\"4729\">Adem\u00e1s, como ello no fue suficiente,<strong> emiti\u00f3 una <\/strong><a href=\"https:\/\/www.eurekers.com\/cursosbolsa\/que-es-una-ampliacion-de-capital\">ampliaci\u00f3n de capital<\/a><strong> de urgencia para recaudar 2.300 millones<\/strong>. Sin embargo, fue peor el remedio que la enfermedad: lejos de entrar nuevos inversores, los que a\u00fan estaban quisieron salir. En suma, se produjo un efecto bola de nieve, que <strong>termin\u00f3 por descapitalizarlo en apenas 2 d\u00edas.<\/strong><\/p>\n<h2 data-renderer-start-pos=\"4729\">\u00bfQu\u00e9 consecuencias ha tenido?<\/h2>\n<p data-renderer-start-pos=\"5040\">El dato m\u00e1s alarmante es que quienes <strong>no pudieron salirse a tiempo fueron las empresas que ten\u00edan altas posiciones de liquidez, superiores al mill\u00f3n o dos millones de d\u00f3lares<\/strong>, un problema que gener\u00f3 p\u00e1nico a lo largo de varios d\u00edas, ya que <a href=\"https:\/\/es.wikipedia.org\/wiki\/Fondo_de_garant%C3%ADa_de_dep%C3%B3sitos\">el Fondo de Garant\u00edas de Dep\u00f3sito de EEUU<\/a> solo cubr\u00eda las p\u00e9rdidas en caso de quiebras de los primeros 250.000 d\u00f3lares, cuando se calculaba que m\u00e1s de 95% de los depositante ten\u00edan m\u00e1s de dicho m\u00e1ximo.<\/p>\n<p>Con todo, aunque SV Bank era un banco mediano, lleg\u00f3 a desatar una oleada de p\u00e1nico ante un posible colapso bancario inminente. No en vano, todas las compa\u00f1\u00edas bancarias del mundo, registraron ca\u00eddas de entre el 5% y el 15%.<\/p>\n<p>No obstante, ya pasado el fin de semana del p\u00e1nico, la <a href=\"https:\/\/www.eurekers.com\/cursosbolsa\/que-es-la-reserva-federal\">Reserva Federal<\/a> anunci\u00f3 que por un lado, rescatar\u00eda a todos los depositantes hasta el \u00faltimo d\u00f3lar, fuera cual fuera la cantidad, y por el otro, dejar\u00eda caer a sus <a href=\"https:\/\/www.eurekers.com\/cursosbolsa\/accionista\">accionistas<\/a> y compradores de <a href=\"https:\/\/www.eurekers.com\/cursosbolsa\/que-es-un-bono-definicion-significado\">bonos<\/a>. Al fin y al cabo, no es lo mismo una persona que simplemente deposita ah\u00ed sus fondos para ir tirando de ellos, que alguien que entra en el mundo de la <a href=\"https:\/\/www.eurekers.com\/cursosbolsa\/como-invertir-en-bolsa\">inversi\u00f3n<\/a>, y sabe perfectamente a lo que se expone.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La quiebra del Silicon Valley Bank ha desatado una oleada de p\u00e1nico ante un posible colapso bancario inminente.<\/p>\n","protected":false},"author":17,"featured_media":104915,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[107],"tags":[76,289,774,775,776],"class_list":["post-104914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-dinero","tag-quiebra","tag-silicon-valley-bank","tag-svb","tag-panico"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Quiebra del SVB y p\u00e1nico bancario - 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