{"id":10244,"date":"2023-03-13T08:17:41","date_gmt":"2023-03-13T08:17:41","guid":{"rendered":"https:\/\/technews.al\/?p=10244"},"modified":"2023-03-13T08:20:43","modified_gmt":"2023-03-13T08:20:43","slug":"industria-e-teknologjise-levizi-shume-dhe-shkaterroi-banken-e-saj-me-prestigjoze","status":"publish","type":"post","link":"https:\/\/technews.al\/?p=10244","title":{"rendered":"Industria e teknologjis\u00eb l\u00ebvizi shum\u00eb dhe &#8216;shkat\u00ebrroi&#8217; bank\u00ebn e saj m\u00eb prestigjoze"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10244\" class=\"elementor elementor-10244\">\n\t\t\t\t\t\t\t\t\t<section class=\"has-el-gap el-gap-default elementor-section elementor-top-section elementor-element elementor-element-b5acf34 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b5acf34\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0366690\" data-id=\"0366690\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ca26f91 elementor-widget elementor-widget-text-editor\" data-id=\"ca26f91\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.8.1 - 13-11-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Nat\u00ebn e fundit t\u00eb ekzistenc\u00ebs s\u00eb saj, Silicon Valley Bank po priste VC Bill Reichert nga Pegasus Tech Ventures, i cili po jepte nj\u00eb prezantim me tem\u00ebn \u201cHow to Pitch Your WOW! p\u00ebr investitor\u00ebt\u201d p\u00ebr rreth 45 ose 50 persona. Mike McEvoy, CEO i OmniLayers, m\u00eb tregoi sken\u00ebn. &#8220;Ishte e frikshme atje,&#8221; tha ai. Ai pa nj\u00eb num\u00ebr njer\u00ebzish q\u00eb dilnin nga nd\u00ebrtesa gjat\u00eb ngjarjes, duke par\u00eb t\u00eb mbytur.<\/p>\n<p>Roger Sanford, CEO i Hcare Health dhe nj\u00eb i vet\u00eb-p\u00ebrshkruar &#8220;gadfly profesionist i Silicon Valley&#8221;, ishte gjithashtu atje. &#8220;T\u00eb gjith\u00eb ishin n\u00eb mohim,&#8221; m\u00eb tha ai. &#8220;Grupi luajti&#8221;.<\/p>\n<p>T\u00eb nes\u00ebrmen, banka emblematike e industris\u00eb s\u00eb teknologjis\u00eb u mbyll nga rregullator\u00ebt &#8211; d\u00ebshtimi i dyt\u00eb m\u00eb i madh i bank\u00ebs n\u00eb historin\u00eb e SHBA-s\u00eb, pas Washington Mutual n\u00eb 2008.<\/p>\n<p>Ajo q\u00eb ndodhi \u00ebsht\u00eb pak e nd\u00ebrlikuar &#8211; dhe un\u00eb do ta shpjegoj m\u00eb posht\u00eb &#8211; por \u00ebsht\u00eb gjithashtu e thjesht\u00eb. Nj\u00eb ikje bankare ndodh kur depozituesit p\u00ebrpiqen t\u00eb t\u00ebrheqin t\u00eb gjitha parat\u00eb e tyre menj\u00ebher\u00eb, si n\u00eb It&#8217;s a Wonderful Life. Dhe si\u00e7 shpjegon It&#8217;s a Wonderful Life, ndonj\u00ebher\u00eb parat\u00eb e v\u00ebrteta nuk gjenden menj\u00ebher\u00eb, sepse banka e p\u00ebrdori at\u00eb p\u00ebr gj\u00ebra t\u00eb tjera. Ky ishte shkaku i menj\u00ebhersh\u00ebm i vdekjes p\u00ebr bank\u00ebn m\u00eb t\u00eb r\u00ebnd\u00ebsishme sistematike dhe simbolike n\u00eb industrin\u00eb e teknologjis\u00eb, por p\u00ebr t\u00eb arritur n\u00eb at\u00eb pik\u00eb, s\u00eb pari duhej t\u00eb ndodhnin shum\u00eb gj\u00ebra t\u00eb tjera.<\/p>\n<p><b>\u00c7far\u00eb \u00ebsht\u00eb Silicon Valley Bank?<\/b><\/p><p>E themeluar n\u00eb vitin 1983 pas nj\u00eb loje pokeri, Silicon Valley Bank ishte nj\u00eb motor i r\u00ebnd\u00ebsish\u00ebm p\u00ebr suksesin e industris\u00eb s\u00eb teknologjis\u00eb dhe banka e 16-t\u00eb m\u00eb e madhe n\u00eb SHBA p\u00ebrpara r\u00ebnies s\u00eb saj. \u00cbsht\u00eb e leht\u00eb t\u00eb harrohet, bazuar n\u00eb lionizimin e budallenjve t\u00eb industris\u00eb s\u00eb teknologjis\u00eb, por karburanti aktual p\u00ebr startup-et jan\u00eb parat\u00eb, jo truri.<\/p>\n<p>Silicon Valley Bank ofroi at\u00eb karburant, duke punuar ngusht\u00eb me shum\u00eb startup t\u00eb mb\u00ebshtetur nga VC. Ajo pretendonte t\u00eb ishte &#8220;partneri financiar i ekonomis\u00eb s\u00eb inovacionit&#8221; dhe &#8220;banka e shkuar p\u00ebr investitor\u00ebt&#8221;. Nd\u00ebr ato bankare n\u00eb SVB: kompania m\u00ebm\u00eb e k\u00ebsaj faqeje interneti k\u00ebtu. Kjo nuk \u00ebsht\u00eb e gjitha. M\u00eb shum\u00eb se 2,500 firma t\u00eb QV bankuan atje, dhe po ashtu edhe shum\u00eb drejtues t\u00eb teknologjis\u00eb.<\/p>\n<p><b>Ajo ra n\u00eb m\u00eb pak se 48 or\u00eb.<\/b><\/p>\n<p>\u00c7far\u00eb ndodh me klient\u00ebt e Silicon Valley Bank?<br>Shumica e bankave jan\u00eb t\u00eb siguruara nga Korporata Federale e Sigurimit t\u00eb Depozitave (FDIC), nj\u00eb agjenci qeveritare q\u00eb ka ekzistuar q\u00eb nga Depresioni i Madh. Pra, sigurisht, llogarit\u00eb n\u00eb Silicon Valley Bank ishin t\u00eb siguruara nga FDIC &#8211; por vet\u00ebm deri n\u00eb 250,000 dollar\u00eb. K\u00ebshtu funksionon sigurimi i depozitave FDIC.<\/p>\n<p>Kjo mund t\u00eb jet\u00eb shum\u00eb para p\u00ebr nj\u00eb individ, por ne po flasim p\u00ebr kompanit\u00eb k\u00ebtu. Shum\u00eb prej tyre kan\u00eb norma djegie prej miliona dollar\u00ebsh n\u00eb muaj. Nj\u00eb paraqitje e fundit rregullatore zbulon se rreth 90 p\u00ebrqind e depozitave ishin t\u00eb pasiguruara q\u00eb nga dhjetori 2022. FDIC thot\u00eb se \u00ebsht\u00eb &#8220;e pacaktuar&#8221; se sa depozita ishin t\u00eb pasiguruara kur banka u mbyll.<\/p>\n<p><b>Sa keq mund t\u00eb b\u00ebhet?<\/b><\/p><p>Edhe nd\u00ebrprerjet e vogla t\u00eb rrjedh\u00ebs s\u00eb paras\u00eb mund t\u00eb ken\u00eb efekte drastike te individ\u00ebt, kompanit\u00eb dhe industrit\u00eb. Pra, nd\u00ebrsa nj\u00eb rezultat shum\u00eb i mundsh\u00ebm \u00ebsht\u00eb se depozituesit e pasiguruar p\u00ebrfundimisht do t\u00eb sh\u00ebrohen, problemi \u00ebsht\u00eb se tani ata nuk kan\u00eb akses n\u00eb ato para.<\/p>\n<p>Efekti m\u00eb i menj\u00ebhersh\u00ebm \u00ebsht\u00eb n\u00eb list\u00ebn e pagave. Ka shum\u00eb njer\u00ebz q\u00eb po pyesin n\u00ebse pagesa e tyre e ardhshme do t\u00eb nd\u00ebrpritet. Disa njer\u00ebz tashm\u00eb e din\u00eb se pagat e tyre do t\u00eb jen\u00eb; nj\u00eb kompani sh\u00ebrbimi pagash e quajtur Rippling duhej t&#8217;u tregonte klient\u00ebve t\u00eb saj se disa \u00e7eqe pagash nuk po vinin n\u00eb koh\u00eb p\u00ebr shkak t\u00eb kolapsit t\u00eb SVB. P\u00ebr disa pun\u00ebtor\u00eb, kjo \u00ebsht\u00eb pagesa e qiras\u00eb ose e hipotek\u00ebs, dhe para p\u00ebr sende ushqimore, gaz ose kujdes p\u00ebr f\u00ebmij\u00ebt q\u00eb nuk vijn\u00eb.<\/p>\n<p>Kjo \u00ebsht\u00eb ve\u00e7an\u00ebrisht e v\u00ebshtir\u00eb p\u00ebr startup-et. Nj\u00eb e treta e kompanive Y Combinator nuk do t\u00eb jen\u00eb n\u00eb gjendje t\u00eb b\u00ebjn\u00eb list\u00ebn e pagave n\u00eb 30 dit\u00ebt e ardhshme, sipas CEO t\u00eb YC, Garry Tan. Nj\u00eb pushim masiv i papritur ose pushim nga puna \u00ebsht\u00eb nj\u00eb makth p\u00ebr shumic\u00ebn e kompanive &#8211; n\u00eb fund t\u00eb fundit, ju nuk mund t\u00eb b\u00ebni shitje n\u00ebse forca e shitjes nuk vjen n\u00eb zyr\u00eb.<\/p>\n<p>Disa investitor\u00eb po u japin para kompanive t\u00eb tyre hua p\u00ebr t\u00eb b\u00ebr\u00eb list\u00ebn e pagave. Penske Media, investitori m\u00eb i madh i kompanis\u00eb m\u00ebm\u00eb t\u00eb k\u00ebsaj faqe interneti, Vox Media, i tha New York Times se &#8220;ishte gati n\u00ebse kompania k\u00ebrkon kapital shtes\u00eb&#8221;, p\u00ebr shembull. Kjo \u00ebsht\u00eb mir\u00eb, sepse Vox Media ka &#8220;nj\u00eb p\u00ebrqendrim t\u00eb konsideruesh\u00ebm t\u00eb parave t\u00eb gatshme&#8221; n\u00eb Silicon Valley Bank. Natyrisht, nj\u00eb problem tjet\u00ebr \u00ebsht\u00eb se shum\u00eb investitor\u00eb ishin gjithashtu bankar n\u00eb SVB.<\/p>\n<p>Lista e pagave nuk \u00ebsht\u00eb shpenzimi i vet\u00ebm q\u00eb ka nj\u00eb kompani: ka pagesa p\u00ebr ofruesit e programeve kompjuterike, sh\u00ebrbimet cloud, etj. Un\u00eb thjesht po g\u00ebrvisht sip\u00ebrfaqen k\u00ebtu.<\/p>\n<p><b>A ka t\u00eb b\u00ebj\u00eb kjo me kripton?<\/b><\/p><p>D\u00ebshtimi i SVB nuk kishte t\u00eb b\u00ebnte drejtp\u00ebrdrejt me shkrirjen e vazhdueshme t\u00eb kriptove, por potencialisht mund ta p\u00ebrkeq\u00ebsonte at\u00eb kriz\u00eb gjithashtu. Firma kripto Circle operon nj\u00eb monedh\u00eb t\u00eb q\u00ebndrueshme, USDC, e cila mb\u00ebshtetet me rezerva parash \u2013 3.3 miliard\u00eb dollar\u00eb prej t\u00eb cilave jan\u00eb ngecur n\u00eb Silicon Valley Bank. Kjo monedh\u00eb stabile duhet t\u00eb jet\u00eb gjithmon\u00eb me vler\u00eb 1 dollar\u00eb, por ajo theu lidhjen e saj pasi SVB d\u00ebshtoi, duke r\u00ebn\u00eb deri n\u00eb 87 cent. Coinbase ndaloi konvertimet midis USDC dhe dollarit.<\/p>\n<p>M\u00eb 11 mars, Circle tha se &#8220;do t\u00eb q\u00ebndroj\u00eb prapa USDC dhe do t\u00eb mbuloj\u00eb \u00e7do munges\u00eb duke p\u00ebrdorur burimet e korporatave, duke p\u00ebrfshir\u00eb kapitalin e jasht\u00ebm n\u00ebse \u00ebsht\u00eb e nevojshme&#8221;. Vlera e stablecoin u rikuperua m\u00eb s\u00eb shumti.<\/p>\n<p>Oh, dhe huadh\u00ebn\u00ebsi i falimentuar i kriptove BlockFi gjithashtu ka 227 milion\u00eb dollar\u00eb fonde t\u00eb ngecura gjithashtu.<\/p>\n<p><b>Pra, n\u00ebse SVB nuk ekziston m\u00eb, \u00e7far\u00eb e z\u00eb vendin e saj?<\/b><\/p><p>N\u00eb p\u00ebrgjigje t\u00eb kolapsit, FDIC krijoi nj\u00eb nj\u00ebsi t\u00eb re, Bank\u00ebn Komb\u00ebtare t\u00eb Sigurimit t\u00eb Depozitave t\u00eb Santa Clara, p\u00ebr t\u00eb gjitha depozitat e siguruara p\u00ebr Silicon Valley Bank. Ajo do t\u00eb hapet p\u00ebr biznes n\u00eb 13 mars. Njer\u00ebzit q\u00eb kan\u00eb depozita t\u00eb pasiguruara do t\u00eb paguhen me nj\u00eb divident t\u00eb avancuar dhe do t\u00eb marrin nj\u00eb certifikat\u00eb t\u00eb vog\u00ebl, por kjo nuk \u00ebsht\u00eb nj\u00eb garanci q\u00eb njer\u00ebzit do t&#8217;i marrin t\u00eb gjitha parat\u00eb e tyre.<\/p>\n<p>Detyra e FDIC \u00ebsht\u00eb t\u00eb marr\u00eb shum\u00ebn maksimale nga aktivet e Silicon Valley Bank. Kjo mund t\u00eb ndodh\u00eb n\u00eb disa m\u00ebnyra. Nj\u00ebra \u00ebsht\u00eb q\u00eb nj\u00eb bank\u00eb tjet\u00ebr blen SVB, duke marr\u00eb depozitat n\u00eb proces. N\u00eb skenarin m\u00eb t\u00eb mir\u00eb, kjo blerje do t\u00eb thot\u00eb q\u00eb t\u00eb gjith\u00eb marrin t\u00eb gjitha parat\u00eb e tyre mbrapsht &#8211; hora! Dhe ky \u00ebsht\u00eb skenari m\u00eb i mir\u00eb jo vet\u00ebm p\u00ebr t\u00eb gjith\u00eb ata q\u00eb duan t\u00eb marrin rrog\u00ebn n\u00eb koh\u00eb, por edhe sepse misioni m\u00eb i madh i FDIC \u00ebsht\u00eb t\u00eb siguroj\u00eb stabilitet dhe besim t\u00eb publikut n\u00eb sistemin bankar t\u00eb SHBA. N\u00ebse aktivet e SVB-s\u00eb mund t\u00eb shiten vet\u00ebm p\u00ebr, t\u00eb themi, 90 cent n\u00eb dollar, kjo mund t\u00eb inkurajoj\u00eb ikjen e bankave diku tjet\u00ebr.<\/p>\n<p>Mir\u00eb, por le t\u00eb themi se blerja nuk ndodh. E pastaj? Epo, FDIC vler\u00ebson, pastaj shet asetet e lidhura me Silicon Valley Bank p\u00ebr nj\u00eb periudh\u00eb jav\u00ebsh ose muajsh, me t\u00eb ardhurat q\u00eb shkojn\u00eb p\u00ebr depozituesit. Depozitat e pasiguruara renditen lart n\u00eb shkall\u00ebn e kthimit, pas vet\u00ebm shpenzimeve administrative dhe depozitave t\u00eb siguruara. Pra, edhe n\u00ebse nj\u00eb shitje nuk ndodh s\u00eb shpejti, gjasat jan\u00eb t\u00eb larta q\u00eb klient\u00ebt t\u00eb marrin parat\u00eb e tyre mbrapa, duke supozuar se mund t\u00eb q\u00ebndrojn\u00eb n\u00eb k\u00ebmb\u00eb duke pritur p\u00ebr t\u00eb.<\/p>\n<p><b>Si arrit\u00ebm k\u00ebtu?<\/b><\/p><p>Pra, kjo \u00ebsht\u00eb n\u00eb t\u00eb v\u00ebrtet\u00eb m\u00eb e madhe se kompanit\u00eb fillestare dhe VC-t\u00eb e Silicon Valley. P\u00ebr t\u00eb kuptuar se si ndodhi kjo, duhet t\u00eb flasim p\u00ebr normat e interesit. Q\u00eb nga viti 2008, ato kan\u00eb qen\u00eb mjaft t\u00eb ul\u00ebta, duke shkaktuar nj\u00eb bum t\u00eb kapitalit sip\u00ebrmarr\u00ebs dhe nj\u00eb marr\u00ebzi t\u00eb v\u00ebrtet\u00eb (shih: WeWork, Theranos, Juicero). Ka shum\u00eb shkum\u00eb p\u00ebr nj\u00eb koh\u00eb t\u00eb gjat\u00eb dhe u p\u00ebrkeq\u00ebsua gjat\u00eb pandemis\u00eb, kur printeri i parave shkoi brrr. Aksionet e memeve? Kripto bum? SPACs? Faleminderit kryetarit t\u00eb Rezerv\u00ebs Federale, Jerome Powell, i cili u vendos n\u00eb politik\u00ebn e norm\u00ebs s\u00eb interesit zero p\u00ebr qind (ZIRP).<\/p>\n<p>Pra, n\u00ebse jeni, le t\u00eb themi, nj\u00eb bank\u00eb e specializuar n\u00eb startup-et, a e dini se \u00e7far\u00eb ju b\u00ebn bota ZIRP? Epo, f\u00ebmij\u00ebt e mi, sipas dosjeve vjetore m\u00eb t\u00eb fundit nga SVB, depozitat bankare u rrit\u00ebn nd\u00ebrsa IPO-t\u00eb, SPAC-t\u00eb, investimet e QV-ve dhe k\u00ebshtu me radh\u00eb vazhduan me nj\u00eb rit\u00ebm t\u00eb furish\u00ebm.<\/p>\n<p>Dhe p\u00ebr shkak t\u00eb t\u00eb gjitha k\u00ebtyre ngjarjeve t\u00eb likuiditetit &#8211; urime, btw &#8211; askush nuk kishte nevoj\u00eb p\u00ebr nj\u00eb hua sepse ata kishin gjith\u00eb k\u00ebto para. Ky \u00ebsht\u00eb nj\u00eb lloj problemi p\u00ebr nj\u00eb bank\u00eb. Kredit\u00eb jan\u00eb nj\u00eb m\u00ebnyr\u00eb e r\u00ebnd\u00ebsishme p\u00ebr t\u00eb fituar para! Pra, si\u00e7 shpjegohet m\u00eb n\u00eb detaje nga Matt Levine i Bloomberg, Silicon Valley Bank bleu letra me vler\u00eb t\u00eb qeveris\u00eb. Kjo ishte nj\u00eb m\u00ebnyr\u00eb e mir\u00eb dhe e q\u00ebndrueshme p\u00ebr SVB-n\u00eb p\u00ebr t\u00eb fituar para, por gjithashtu n\u00ebnkuptonte se ishte e pambrojtur n\u00ebse normat e interesit rriteshin.<\/p>\n<p>T\u00eb cil\u00ebn e b\u00ebn\u00eb! Powell filloi t\u00eb rris\u00eb normat p\u00ebr t\u00eb ngadal\u00ebsuar inflacionin dhe i tha Kongresit k\u00ebt\u00eb jav\u00eb se ai pret q\u00eb t&#8217;i lejoj\u00eb ato t\u00eb arrijn\u00eb deri n\u00eb 5.75 p\u00ebrqind, q\u00eb \u00ebsht\u00eb shum\u00eb m\u00eb e lart\u00eb se zero.<\/p>\n<p>K\u00ebtu \u00ebsht\u00eb problemi p\u00ebr Bank\u00ebn e Silicon Valley. Ajo ka nj\u00eb mori aktivesh q\u00eb vlejn\u00eb m\u00eb pak para n\u00ebse normat e interesit rriten. Dhe gjithashtu bankat startup, t\u00eb cilat jan\u00eb m\u00eb t\u00eb shumta kur normat e interesit jan\u00eb t\u00eb ul\u00ebta. N\u00eb thelb, k\u00ebta bankier\u00eb arrit\u00ebn ta vinin veten n\u00eb telashe t\u00eb dyfishta, di\u00e7ka q\u00eb vun\u00eb re disa shit\u00ebs t\u00eb shkurt\u00ebr (M\u00eb vjen keq p\u00ebr pantallonat e shkurtra! Pavar\u00ebsisht se kan\u00eb t\u00eb drejt\u00eb, ata jan\u00eb gjithashtu t\u00eb ndyr\u00eb sepse do t\u00eb jet\u00eb e v\u00ebshtir\u00eb t\u00eb mbledhin fitimet e tyre).<\/p>\n<p><b>Pra, a e hodhi Silicon Valley dilem\u00ebn e t\u00eb burgosurit?<\/b><\/p><p>N\u00eb rregull, kjo mosp\u00ebrputhje n\u00eb rrezik n\u00eb vetvete nuk do ta kthej\u00eb nj\u00eb bank\u00eb. Nj\u00eb bank\u00eb e mir\u00eb e mod\u00ebs s\u00eb vjet\u00ebr e b\u00ebri k\u00ebt\u00eb. Dhe n\u00eb Silicon Valley Bank, nuk kishte George Bailey q\u00eb ta ndalonte at\u00eb.<\/p>\n<p>Ja si ndodhi. Kur normat e interesit u rrit\u00ebn, QV-t\u00eb ndaluan s\u00eb hedhuri para. Fillesat filluan t\u00eb t\u00ebrheqin m\u00eb shum\u00eb nga parat\u00eb e tyre p\u00ebr t\u00eb paguar shpenzimet e tyre dhe SVB-s\u00eb iu desh t\u00eb dilte me para p\u00ebr ta b\u00ebr\u00eb k\u00ebt\u00eb. Kjo do t\u00eb thoshte se banka duhej t\u00eb merrte likuiditet \u2013 k\u00ebshtu q\u00eb ajo shiti 21 miliard\u00eb dollar\u00eb letra me vler\u00eb, duke rezultuar n\u00eb nj\u00eb humbje pas tatimit prej 1.8 miliard\u00eb dollar\u00ebsh. Ajo gjithashtu doli me nj\u00eb plan p\u00ebr t\u00eb shitur 2.2 miliard\u00eb dollar\u00eb n\u00eb aksione p\u00ebr t\u00eb ndihmuar n\u00eb forcimin e vetvetes. Moody&#8217;s uli vler\u00ebsimin e kredis\u00eb s\u00eb bank\u00ebs.<\/p>\n<p>N\u00eb kuvert\u00ebn e saj t\u00eb rr\u00ebshqitjes q\u00eb shpjegon t\u00eb gjitha k\u00ebto, Silicon Valley Bank flet p\u00ebr &#8211; nuk po e krijoj k\u00ebt\u00eb &#8211; &#8220;likuiditetin e bollsh\u00ebm&#8221; dhe &#8220;pozit\u00ebn e saj t\u00eb fort\u00eb t\u00eb kapitalit&#8221;.<\/p>\n<p>Tani, kujtoni, nj\u00eb bank\u00eb tjet\u00ebr e quajtur Silvergate sapo ishte shembur (p\u00ebr arsye kripto). Investitor\u00ebt, si kuajt, tremben leht\u00ebsisht. Pra, kur Silicon Valley Bank b\u00ebri k\u00ebt\u00eb njoftim m\u00eb 8 mars, njer\u00ebzit u mbyll\u00ebn. Fondi i Themeluesit t\u00eb Peter Thiel k\u00ebshilloi kompanit\u00eb e portofolit t\u00eb tij q\u00eb t\u00eb t\u00ebrhiqen, duke t\u00ebrhequr p\u00ebrfundimisht miliona. Dhe ju e dini se si QV-t\u00eb duan t\u00eb ndjekin trendet! Union Square Ventures dhe Coatue Management, nd\u00ebr t\u00eb tjera, vendos\u00ebn t&#8217;u thon\u00eb kompanive q\u00eb t\u00eb t\u00ebrheqin parat\u00eb e tyre gjithashtu.<\/p>\n<p>Ky xhiro bankare ndodhi shpejt, n\u00eb m\u00eb pak se dy dit\u00eb. Nerd\u00ebt e teknologjis\u00eb mund t\u00eb marrin merit\u00ebn p\u00ebr k\u00ebt\u00eb. M\u00eb par\u00eb ju duhej t\u00eb shkonit fizikisht n\u00eb nj\u00eb bank\u00eb p\u00ebr t\u00eb t\u00ebrhequr parat\u00eb tuaja &#8211; ose t\u00eb pakt\u00ebn t\u00eb merrnit d\u00ebmin psikik t\u00eb marrjes s\u00eb nj\u00eb telefoni. Ky proces m\u00eb i ngadalsh\u00ebm u dha bankave koh\u00eb p\u00ebr t\u00eb manovruar. N\u00eb k\u00ebt\u00eb rast, dixhitalizimi n\u00ebnkuptonte q\u00eb parat\u00eb dol\u00ebn aq shpejt sa Banka e Silicon Valley ishte n\u00eb thelb e pafuqishme, thekson Samir Kaji, CEO i platform\u00ebs investuese Allocate. Klient\u00ebt u p\u00ebrpoq\u00ebn t\u00eb t\u00ebrheqin 42 miliard\u00eb dollar\u00eb depozita vet\u00ebm m\u00eb 9 mars &#8211; nj\u00eb e kat\u00ebrta e totalit t\u00eb depozitave t\u00eb bank\u00ebs n\u00eb nj\u00eb dit\u00eb t\u00eb vetme.<\/p>\n<p>Kishte mbaruar t\u00eb nes\u00ebrmen. Shitja e aksioneve u anulua. Silicon Valley Bank u p\u00ebrpoq t\u00eb shiste veten. M\u00eb pas u fut\u00ebn rregullator\u00ebt.<\/p>\n<p><b>Kush ishte n\u00eb krye k\u00ebtu?<\/b><\/p><p>Deri menj\u00ebher\u00eb pas d\u00ebshtimit t\u00eb Silicon Valley Bank, CEO i saj (tani-ish) Greg Becker ishte drejtor i Bank\u00ebs s\u00eb Rezerv\u00ebs Federale t\u00eb San Franciskos. Kjo \u00ebsht\u00eb nj\u00eb nga 12 bankat e mbik\u00ebqyrura nga Fed e Uashingtonit.<\/p>\n<p>Nd\u00ebrsa xhiroja bankare po vazhdonte, Becker u tha QV-ve, &#8220;Un\u00eb do t&#8217;u k\u00ebrkoja t\u00eb gjith\u00ebve t\u00eb q\u00ebndronin t\u00eb qet\u00eb dhe t\u00eb na mb\u00ebshtesin ashtu si\u00e7 ju mb\u00ebshtet\u00ebm juve gjat\u00eb koh\u00ebve sfiduese.&#8221; Si\u00e7 e di kushdo q\u00eb ka qen\u00eb ndonj\u00ebher\u00eb n\u00eb nj\u00eb lidhje afatgjat\u00eb, t&#8217;i thuash dikujt tjet\u00ebr t\u00eb qet\u00ebsohet \u00ebsht\u00eb nj\u00eb m\u00ebnyr\u00eb p\u00ebr t\u00eb siguruar q\u00eb ata t\u00eb humbasin gjith\u00eb mendjen e tyre t\u00eb mallkuar. Un\u00eb mendoj se mund t\u00eb kishte qen\u00eb e mundur t\u00eb ndalohej gjakderdhja n\u00ebse Becker do t\u00eb kishte qen\u00eb edhe p\u00ebrgjysm\u00eb i mir\u00eb n\u00eb PR. Natyrisht, ai nuk \u00ebsht\u00eb.<\/p>\n<p>Por ve\u00e7mas nga komunikimi i keq i Becker-it, ai ishte lideri pas shitjes drith\u00ebruese t\u00eb aseteve\/aksioneve t\u00eb ofrimit t\u00eb nj\u00eb grushti t\u00eb kombinuar. N\u00eb fakt, Silicon Valley Bank kishte opsione t\u00eb tjera: mund t\u00eb kishte marr\u00eb fonde hua ose t\u00eb p\u00ebrpiqej t\u00eb ofronte marr\u00ebveshje t\u00eb \u00ebmbla p\u00ebr depozituesit q\u00eb q\u00ebndruan.<\/p>\n<p>Kjo nuk \u00ebsht\u00eb e gjitha.<\/p>\n<p>Rezulton se Becker ka shitur gjithashtu 3.6 milion\u00eb dollar\u00eb aksione n\u00eb kompanin\u00eb m\u00ebm\u00eb t\u00eb Silicon Valley Bank m\u00eb 27 shkurt. Kjo ishte nj\u00eb shitje e paracaktuar &#8211; ai dor\u00ebzoi dokumentet m\u00eb 26 janar &#8211; por duket si nj\u00eb koh\u00eb kurioze! Becker me sa duket ishte n\u00eb dijeni t\u00eb bilancit t\u00eb tij dhe nj\u00eb drejtor i nj\u00eb banke rajonale Fed. Ai duhej t\u00eb dinte se Fed do t\u00eb vazhdonte t\u00eb rriste normat e interesit \u2013 dua t\u00eb them, n\u00ebse do ta dija, ai do ta dinte m\u00eb mir\u00eb \u2013 dhe ai duhej t\u00eb dinte se do t\u00eb ishte nj\u00eb lajm i keq p\u00ebr Silicon Valley Bank.<\/p>\n<p><b>\u00c7far\u00eb do t\u00eb thot\u00eb kjo p\u00ebr startupland?<\/b><\/p><p>Ekosistemi i kapitalit t\u00eb sip\u00ebrmarrjes ekziston sepse nj\u00eb her\u00eb e nj\u00eb koh\u00eb, bankat nuk do t&#8217;i huazonin para bizneseve fillestare. Mendoni p\u00ebr k\u00ebt\u00eb: nj\u00eb budalla 23-vje\u00e7ar q\u00eb p\u00ebrplas s\u00eb bashku nj\u00eb startup n\u00eb garazhin e dikujt ose \u00e7do gj\u00eb tjet\u00ebr q\u00eb zakonisht nuk zot\u00ebron asgj\u00eb q\u00eb mund t\u00eb japin si kolateral ndaj nj\u00eb kredie.<\/p>\n<p>Nj\u00eb m\u00ebnyr\u00eb q\u00eb Silicon Valley Bank forcoi startup-et ishte duke ofruar forma t\u00eb rrezikshme financimi. P\u00ebr shembull, banka dha hua kundrejt parave q\u00eb i detyroheshin llogarive t\u00eb ark\u00ebtueshme t\u00eb nj\u00eb biznesi. Edhe m\u00eb me rrezik: kompania ka dh\u00ebn\u00eb hua kundrejt t\u00eb ardhurave t\u00eb pritshme p\u00ebr sh\u00ebrbimet e ardhshme. Banka e Silicon Valley ofroi gjithashtu borxh sip\u00ebrmarr\u00ebs, i cili p\u00ebrdor nj\u00eb investim VC si nj\u00eb m\u00ebnyr\u00eb p\u00ebr t\u00eb marr\u00eb nj\u00eb kredi. Dhe funksionoi! K\u00ebto lloj produktesh ndihmuan n\u00eb nd\u00ebrtimin e Silicon Valley n\u00eb fuqin\u00eb q\u00eb \u00ebsht\u00eb tani, thot\u00eb Jonathan Hirshon, i cili ka b\u00ebr\u00eb PR t\u00eb teknologjis\u00eb s\u00eb lart\u00eb p\u00ebr 30 vitet e fundit.<\/p>\n<p>Banka gjithashtu do t\u00eb merrte pjes\u00eb t\u00eb kompanive si pjes\u00eb e kushteve t\u00eb saj t\u00eb kredis\u00eb. Kjo do t\u00eb thot\u00eb se fitoi 13.9 milion\u00eb dollar\u00eb n\u00eb IPO-n\u00eb e FitBit, p\u00ebr shembull. Koh\u00ebt e fundit, dokumentet IPO t\u00eb Coinbase zbuluan se Silicon Valley Bank kishte t\u00eb drejt\u00eb t\u00eb blinte m\u00eb shum\u00eb se 400,000 aksione p\u00ebr rreth 1 dollar\u00eb p\u00ebr aksion. Aksionet e Coinbase u mbyll\u00ebn me nj\u00eb \u00e7mim prej 328,28 dollar\u00eb dit\u00ebn e par\u00eb q\u00eb u listua.<\/p>\n<p>Fillesat nuk jan\u00eb t\u00eb vetmet q\u00eb duhet t\u00eb mbledhin para. Kapitalist\u00ebt sip\u00ebrmarr\u00ebs b\u00ebjn\u00eb gjithashtu &#8211; shpesh nga zyrat e familjes ose qeverit\u00eb. Silicon Valley Bank investoi n\u00eb nj\u00eb num\u00ebr VC gjat\u00eb viteve, duke p\u00ebrfshir\u00eb Accel Partners, Kleiner Perkins, Sequoia Capital dhe Greylock.<\/p>\n<p>Ky lloj na \u00e7on n\u00eb nj\u00eb nga problemet kryesore t\u00eb SVB: Silicon Valley \u00ebsht\u00eb n\u00eb fakt nj\u00eb qytet i vog\u00ebl. Dhe nd\u00ebrsa kjo do t\u00eb thoshte se SVB ishte bankieri fantastik p\u00ebr startup-et e teknologjis\u00eb dhe shkencave t\u00eb jet\u00ebs k\u00ebtu, kjo do t\u00eb thoshte gjithashtu se portofoli i saj nuk ishte shum\u00eb i larmish\u00ebm. Natyra incestuese e startupeve t\u00eb Silicon Valley do t\u00eb thot\u00eb se thashethemet jan\u00eb nj\u00eb sport kontakti, sepse t\u00eb gjith\u00eb k\u00ebtu jan\u00eb t\u00eb lidhur pa shpres\u00eb me t\u00eb gjith\u00eb t\u00eb tjer\u00ebt.<\/p>\n<p>Nuk e di n\u00ebse kjo do t\u00eb \u00e7oj\u00eb n\u00eb probleme m\u00eb t\u00eb m\u00ebdha. Mund! Edhe shum\u00eb banka t\u00eb tjera po humbasin para n\u00eb letrat e tyre me vler\u00eb. Por natyra thashetheme e Silicon Valley dhe fakti q\u00eb kaq shum\u00eb prej k\u00ebtyre firmave jan\u00eb t\u00eb nd\u00ebrthurura, e b\u00ebn\u00eb mund\u00ebsin\u00eb e nj\u00eb banke t\u00eb funksionoj\u00eb m\u00eb shum\u00eb p\u00ebr SVB-n\u00eb sesa p\u00ebr vendet e tjera. Tani p\u00ebr tani, thashethemet po qarkullojn\u00eb n\u00eb bisedat e grupeve WhatsApp plot me themelues q\u00eb p\u00ebrpiqen p\u00ebr para. Dyshoj gjithashtu se do t\u00eb fillojm\u00eb t\u00eb shohim mashtrues q\u00eb p\u00ebrpiqen t\u00eb synojn\u00eb v\u00ebllez\u00ebrit e teknologjis\u00eb n\u00eb panik, p\u00ebr t\u00eb nxjerr\u00eb edhe m\u00eb shum\u00eb para prej tyre.<\/p>\n<p>Un\u00eb nuk e di se \u00e7far\u00eb do t\u00eb ndodh\u00eb tani, dhe nuk mendoj se dikush tjet\u00ebr po ashtu. E di, megjithat\u00eb, se lidershipi i SVB-s\u00eb nuk ishte i vetmi q\u00eb u p\u00ebrbuz. Ky ishte d\u00ebshtimi i dyt\u00eb i madh i bank\u00ebs n\u00eb nj\u00eb jav\u00eb t\u00eb vetme, duke sugjeruar q\u00eb rregullator\u00ebt tan\u00eb ishin n\u00eb gjum\u00eb n\u00eb timon. Dhe kush ishte rregullatori kryesor p\u00ebr t\u00eb dyja bankat?<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Nat\u00ebn e fundit t\u00eb ekzistenc\u00ebs s\u00eb saj, Silicon Valley Bank po priste VC Bill Reichert nga Pegasus Tech Ventures, i cili po jepte nj\u00eb prezantim me tem\u00ebn \u201cHow to Pitch Your WOW! p\u00ebr investitor\u00ebt\u201d p\u00ebr rreth 45 ose 50 persona. Mike McEvoy, CEO i OmniLayers, m\u00eb tregoi sken\u00ebn. &#8220;Ishte e frikshme atje,&#8221; tha ai. Ai<\/p>\n","protected":false},"author":4,"featured_media":10246,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[38],"tags":[40],"class_list":{"0":"post-10244","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tech","8":"tag-featured"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Industria e teknologjis\u00eb l\u00ebvizi shum\u00eb dhe &#039;shkat\u00ebrroi&#039; bank\u00ebn e saj m\u00eb prestigjoze - Technews.al<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/technews.al\/?p=10244\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Industria e teknologjis\u00eb l\u00ebvizi shum\u00eb dhe &#039;shkat\u00ebrroi&#039; bank\u00ebn e saj m\u00eb prestigjoze - Technews.al\" \/>\n<meta property=\"og:description\" content=\"Nat\u00ebn e fundit t\u00eb ekzistenc\u00ebs s\u00eb saj, Silicon Valley Bank po priste VC Bill Reichert nga Pegasus Tech Ventures, i cili po jepte nj\u00eb prezantim me tem\u00ebn \u201cHow to Pitch Your WOW! p\u00ebr investitor\u00ebt\u201d p\u00ebr rreth 45 ose 50 persona. 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