Biden 捜し出すs to show 安定 in 企て，努力，提案 to 回避する banking 大混乱
WASHINGTON (AP) - In 2016, 副大統領 Joe Biden 警告するd against 成果／努力s to unravel banking 規則s that 民主党員s had fought to 器具／実施する に引き続いて the nation´s 財政上の 危機, just as the 現れるing Trump 行政 was 決定するd to 緩和する those strict banking 支配するs.
Biden argued that without the far-reaching 2010 banking 精密検査する known as Dodd-Frank, 財政上の 会・原則s would continue to 賭事 with 消費者s' cash and 最終的に 傷つける the middle class.
"We can´t go 支援する to the days when 財政上の companies take 大規模な 危険s with the knowledge that a taxpayer bailout is around the corner when they fail," Biden said in a speech at Georgetown University in the 病弱なing days of the Obama 行政.
Now there's a banking 危機 on his watch as 大統領，／社長, and Biden is moving 積極性 to 保証する the public that it is 含む／封じ込めるd, bank (n)役員／(a)執行力のあるs will be 解雇する／砲火／射撃d, deposits are 安全な and taxpayers aren't on the hook - 対策 also designed to 静める jittery 財政上の markets.
As he 熟視する／熟考するs an 告示 for a second 称する，呼ぶ／期間／用語, Biden's ability to 回避する a contagion の中で 財政上の 会・原則s will 実験（する） his 論争 that his 行政 代表するs competence and 安定 in contrast to the 大混乱 of the Donald Trump years.
His call for 付加 規則, though, is likely to run into stiff 抵抗 in the 共和国の／共和党の-controlled House and even の中で some 穏健な Democratic 国会議員s who joined 共和国の／共和党のs to 緩和する some 支配するs in a 2018 法律 - not to について言及する 批評 from the still-forming 2024 共和国の／共和党の field that has already labeled his 活動／戦闘s a bailout by just another 指名する.
大統領 Joe Biden speaks about the banking system in the Roosevelt Room of the White House in Washington, Monday, March 13, 2023. (AP Photo/Andrew Harnik)
個人として, Biden has been 毅然とした that the 政府's 介入 would not be like that of 2008, when 議会 権限を与えるd billions in taxpayer cash to 救助（する） 財政上の 会・原則s that were みなすd too big to fail. That's によれば a 上級の White House 公式の／役人, who was not 権限を与えるd to 述べる 私的な discussion by 指名する.
But 行政 公式の／役人s believe that this time they had to 行為／法令／行動する substantively にもかかわらず bad 決定／判定勝ち（する）-making by bank (n)役員／(a)執行力のあるs, given the 経済的な 危険s and the 可能性のある 衝撃 on 顧客s who did nothing wrong.
Unlike in 2008, Biden was insistent that bank (n)役員／(a)執行力のあるs had to 支払う／賃金 a price, said the 公式の／役人, 認めるd anonymity to discuss 内部の White House 審議s.
"The 管理／経営 of these banks will be 解雇する／砲火／射撃d," Biden 宣言するd Monday. If an 会・原則 is taken over by the 連邦の Deposit 保険 Corp., "the people running the bank should not work there anymore."
On Monday, Biden also 強調する／ストレスd that taxpayers will not 耐える the cost of his 行政's 刑罰，罰則s on the two failed banks, instead （電話線からの）盗聴 into an 保険 基金 that is paid for by bank 料金s. And while 顧客s and small 商売／仕事s who stashed their money with the penalized banks would be 保護するd, Biden 強調するd that 投資家s would not.
"They knowingly took a 危険 and when the 危険 didn´t 支払う／賃金 off, 投資家s lose their money," Biden said. "That´s how capitalism 作品."
California Rep. Maxine Waters, the 最高の，を越す 民主党員 on the House 財政上の Services 委員会, said that Biden, like others, cannot ignore the lessons of the 2008 財政上の 崩壊（する） and that having 耐えるd it firsthand, the 大統領，／社長 was 井戸／弁護士席 aware of the 火刑／賭けるs. In conversations over the 週末, the White House 保証するd her he was on 最高の，を越す of it.
"I think that his main 関心 was how to, No. 1, take care of the depositors and 避ける contagion so that we would not 基本的に, 本気で, 混乱に陥れる／中断させる the banking system in this country," Waters said.
Regulators put Silicon Valley Bank under FDIC 支配（する）／統制する on Friday afternoon after panicked depositors 急ぐd to 身を引く all their 基金s within a 事柄 of hours. That's a bank run. 最高の，を越す 行政 公式の／役人s 含むing 財務省 長官 Janet Yellen 強調する／ストレスd that they were 監視するing the 状況／情勢, as 報告（する）／憶測s of companies struggling to 人物／姿／数字 o ut how to manage their 財政／金融s まっただ中に the two banks' shutdown rippled throughout the マスコミ and 脅すd 地域の banks around the country.
By Sunday night, 財務省, the 連邦の Reserve and the FDIC 発表するd that all Silicon Valley Bank （弁護士の）依頼人s would be able to 接近 their money, as would depositors from 署名 Bank in New York, which 類似して failed and would be taken over by 明言する／公表する regulators. As 行政 公式の／役人s were working behind the scenes, Biden was 定期的に 簡潔な／要約するd by his 長，指導者 of staff, Jeff Zients, 国家の 経済的な 会議 director Lael Brainard and Yellen throughout the 週末, によれば the White House.
Biden also spoke with outside 経済学者s, although the White House 拒絶する／低下するd to identify them.
行政 公式の／役人s also worked to 簡潔な／要約する 国会議員s over the 週末, although several 共和国の／共和党のs were left off a call for 上院議員s with 財務省 and FDIC 公式の／役人s on Sunday night. After 共和国の／共和党のs 抗議するd 公然と, and 上院 大多数 Leader Chuck Schumer, D-N.Y., pointed out to 財務省 that GOP 上院議員s were 除外するd, the 行政 quickly 会を召集するd a separate 要点説明 for 上院 共和国の／共和党のs on Monday afternoon.
There, several GOP 上院議員s 伝えるd their 関心s to 行政 公式の／役人s that Silicon Valley (n)役員／(a)執行力のあるs were 存在 救助（する）d in a way that could 最終的に 害（を与える） community banks in their home 明言する／公表するs, によれば a person with knowledge of the call who was 認めるd anonymity to discuss a 私的な conversation. That would be because these banks would be 査定する／（税金などを）課すd new 料金s to 補充する the 保険 基金 that the 行政 tapped to 援助（する） the two failed banks' depositors.
Indeed, the political specter of the word "bailout" will ぐずぐず残る over the White House for some time.
共和国の／共和党のs angling for the 2024 大統領の 指名／任命 are already arguing that 顧客s wil l 最終的に 耐える the costs of the 政府's 活動／戦闘s even if taxpayer 基金s weren't 直接／まっすぐに used. Some 経済学者s believe more 料金s 徴収するd on banks will just get passed の上に 消費者s, such as 増加するd 率s for 貸付金s.
"Joe Biden is pretending this isn´t a bailout. It is," former South Carolina Gov. Nikki Haley said, arguing that depositors at other banks now are "軍隊d to 補助金を支給する Silicon Valley Bank´s mismanagement" and that bank 顧客s will 最終的に be 責任がある the costs if the 保険 基金 is drained.
Sen. Tim Scott, R-S.C., the 最高の，を越す 共和国の／共和党の on the 上院 Banking 委員会 who is 注目する，もくろむing a 大統領の 企て，努力，提案, also 非難するd what he called a "culture of 政府 介入," arguing that it incentivizes banks to continue risky 行為 if they know 連邦の 機関s will 最終的に 救助（する） them.
White House and other 行政 公式の／役人s are 主張するing their 活動／戦闘s are not a bailout. But Harvard University 経済学者 Kenneth Rogoff said while he agrees that the 政府 is rightly 保護するing the two banks' depositors, the money spent to make them whole is "certainly a bailout."
"The 政府 swore after the 財政上の 危機 it was not going to 保釈（金） out uninsured depositors and it was not going to 保釈（金） out money 基金s," Rogoff said. "It 基本的に, as I understand it, is 保証（人）ing everything. So that´s certainly a bailout."
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AP White House 特派員 Zeke Miller and AP 長，指導者 congressional 特派員 Lisa Mascaro 与える／捧げるd to this 報告（する）／憶測.
大統領 Joe Biden speaks about the banking system in the Roosevelt Room of the White House in Washington, Monday, March 13, 2023. (AP Photo/Andrew Harnik)
大統領 Joe Biden waves as he boards 空気／公表する 軍隊 One at Andrews 空気／公表する 軍隊 Base, Md., Monday, March 13, 2023, en 大勝する to San Diego. (AP Photo/足緒 Rapfogel)
A 調印する is 陳列する，発揮するd at a 支店 of 署名 Bank in New York, Monday, March 13, 2023. 大統領 Joe Biden is telling Americans that the nation's 財政上の systems are sound. This comes after the swift and 素晴らしい 崩壊（する） of two banks that 誘発するd 恐れるs of a broader 激変. (AP Photo/Seth Wenig)
A person enters the 署名 Bank （警察，軍隊などの）本部 in New York, Monday, March 13, 2023. 大統領 Joe Biden is telling Americans that the nation's 財政上の systems are sound. This comes after the swift and 素晴らしい 崩壊（する） of two banks that 誘発するd 恐れるs of a broader 激変. (AP Photo/Yuki Iwamura)
A woman who was part of a line entering the Silicon Valley Bank's （警察，軍隊などの）本部 pauses for a selfie in Santa Clara, Calif., on Monday, March 13, 2023. The 連邦の 政府 介入するd Sunday to 安全な・保証する 基金s for depositors to 身を引く from Silicon Valley Bank after the banks 崩壊（する）. Dozens of individuals waited in line outside the bank to 身を引く 基金s. (AP Photo/ Benjamin Fanjoy)
