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In the days after the collapse, some Republicans focused on supervisory failures at the Fed,
在倒闭后的几天里，一些共和党人关注美联储的监督失误，
while many Democrats focused on the aftershocks of deregulation and possible wrongdoing by the bank's executives.
而许多民主党人则关注放松监管的余震以及银行高管可能存在的不当行为。
"All the regulators had to do was read the reports that Silicon Valley Bank was submitting, and they would have seen the problem,"
"监管机构只要读一下硅谷银行提交的报告，他们就会看到问题所在。"
Senator John Kennedy, Republican of Louisiana and a member of the Banking Committee, said on the Senate floor.
路易斯安那州共和党参议员、银行委员会成员约翰·肯尼迪在参议院发言时说。
By contrast, two Senate Democrats -- Elizabeth Warren of Massachusetts and Richard Blumenthal of Connecticut --
与之形成对比，两名民主党参议员--马萨诸塞州的伊丽莎白·沃伦和康涅狄格州的理查德·布鲁门撒尔--
sent a letter to the Department of Justice and the Securities and Exchange Commission on Wednesday
在周三致信司法部和证券交易委员会，
urging the agencies to investigate whether senior executives involved in the collapse of Silicon Valley Bank had fallen short of their regulatory responsibilities or violated laws.
敦促这两家机构调查与硅谷银行倒闭有关的高管是否没有履行监管职责，或是否违反了法律。
Ms. Warren also unveiled legislation this week, co-sponsored by roughly 50 Democrats in the House and Senate,
沃伦本周还公布了一项立法，该立法由参众两院约50名民主党人共同发起，
that would reimpose some of the Dodd-Frank requirements that were rolled back in 2018, including regular stress testing.
将重新实施2018年取消的一些多德-弗兰克法案的要求，包括定期压力测试。
Senator Sherrod Brown, Democrat of Ohio and chairman of the Banking Committee, told reporters that he intended to hold a hearing examining what happened "as soon as we can."
俄亥俄州民主党参议员、银行委员会主席谢罗德·布朗告诉记者，他打算"尽快"举行听证会，研究发生了什么。
Mr. Barr, who started at the Fed last summer, was already reviewing a number of the Fed's regulations to try to determine whether they were appropriately stern --
去年夏天开始在美联储工作的巴尔已经在审查美联储的一些规定，从而确定这些规定的严格程度是否适当--
a reality that had spurred intense lobbying as financial institutions resisted tougher oversight.
这已经引发了激烈的游说，因为金融机构抵制更严格的监管。
But the episode could make those counterefforts more challenging.
但硅谷银行倒闭事件可能会让这些反对行为更具挑战性。
Late on Monday, the Bank Policy Institute, which represents 40 large banks and financial services companies, emailed journalists a list of its positions,
周一晚些时候，代表40家大型银行和金融服务公司的美国银行政策研究所通过电子邮件向记者表明了其一系列立场，
including claims that the failures of Silicon Valley Bank and Signature Bank were caused by "primarily a failure of management and supervision rather than regulation"
其中包括硅谷银行和标志银行的倒闭"主要是由管理和监督失误而非监管失误造成的"，
and that the panic surrounding the collapses proved how resilient big banks were to stress, since they were largely unaffected by it.
以及关于倒闭的恐慌证明了大银行面对压力时有多么坚韧，因为大银行基本上没有受到影响。
The trade group also emailed those talking points to congressional Democrats,
据一位知情人士透露，该行业组织也将这些谈话要点通过电子邮件发送给了国会民主党人，
but other trade groups, including the American Bankers Association, have stayed silent, according to a person familiar with the matter.
但包括美国银行家协会在内的其他行业组织一直保持沉默。
"We share President Biden's confidence in the nation's banking system," a spokesman with the American Bankers Association said.
"我们和拜登总统一样，对美国的银行体系充满信心。"美国银行家协会的一位发言人说，
"Every American should know that their accounts are safe and their deposits are protected.
"每个美国人都应该知道，他们的账户是安全的，他们的存款是受到保护的。
Our industry will work with the administration, regulators and Congress to further bolster that trust."
我们的行业将与政府、监管机构和国会合作，进一步加强这种信任。"
The fallout could also kill big banks' attempts to roll back regulations that they say are inefficient.
倒闭余波还可能扼杀大银行试图取消监管的努力，他们称这种监管是低效的。
The largest banks had wanted the Fed to stop forcing them to hold cash equivalents to what they say are safe securities like U.S. government debt.
最大的几家银行曾希望美联储停止强迫它们持有与美国国债等证券等价的现金，他们认为这些证券是安全的。
But Silicon Valley Bank's failure was caused in part by its decision to keep a large portion of depositors' cash in longer-dated U.S. Treasury bonds, which lost value as interest rates rose.
但硅谷银行破产的部分原因是它决定将储户的很大一部分现金用于购买长期限的美国国债，随着利率上升这些债券贬值。
"This definitely underscores why it is important that there be some capital requirement against government-backed securities," said Sheila Bair, a former chair of the Federal Deposit Insurance Corporation.
"这无疑突显了，为何对政府支持的证券提出一些资本要求是很重要的。"美国联邦存款保险公司前主席希拉·贝尔表示。
