Anticorrida bancaria en USA

Cuando ocurre una corrida bancarios, los  clientes de un banco hacen cola para convertir sus depósitos en moneda estatal , pero  ahora ocurre lo in verso en Estados Unidos porque los bancos de USA no saben que hacer con la enorme cantidad de dinero que reciben de los inversionistas. Aunque no hay nombre para denonomianr al curisos fenómeno, el comenatrista que adjunto lo llama una caorrida banacaria aal reveés, una anti-corrida bancaria. La locura se extiende .....

A Problem for US Banks: A Reverse Run

Published: Thursday, 18 Aug 2011 | 2:30 PM ET

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By: John Carney
Senior Editor, CNBC.com

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Banks in the U.S. are experiencing a very strange problem.

There's a bank run underway...but in reverse.

All the major U.S. banks are seeing an influx of deposits. Reserve levels at the Federal Reserve  are climbing to astronomical levels.

Balance sheets are expanding as never before.

Imagine that this is that scene from "It's A Wonderful Life," but played in rewind. The depositors are rushing in with their money, nearly toppling George Bailey as they try to get their money in the bank.

When the U.S. dollar reserve in the Fed accounts of European banks decline, it necessarily means that the dollar reserves of the U.S. banks are increasing. As a result of various transactions, the Fed is moving money across the digital spreadsheet from European banks to U.S. banks.

This sounds like a good problem to have...but it isn't.

Remember, a deposit at the bank creates a liability for the bank.

Banks must pay the FDIC fees equal to around 10 basis points, or about 0.1 percent, for their total liabilities. So the influx in deposits are costing the banks money. What's more, banks begin to press up against regulatory limits on leverage as the deposits grow.

There isn't much the banks can do with the hot money flowing in. They cannot commit the funds to longer-term loans, because it could come out of the banks as quickly as it can come in. Short-term and safe assets—such as a Treasury bond maturing in one month—pay less than nothing.

Banks can keep the money on reserve at the Fed, where they will earn 25 basis points, or 0.25 percent. They'll earn some money on the 10-point spread, but not much.

Some banks, such as Bank of America [BAC  Loading...      ()   ], have actively been trying to shrink their balance sheets in order to comply with stricter capital and leverage rules. The growth of their deposit base does not help—and may even undermine this effort at the margin.

Some banks are actually doing the running. Bank of New York Mellon [BK Loading...      ()   ] recently began charging customers with large cash deposits.

"It used to be that banks barred the door to prevent a run of cash out. Now they'd love to bar the door to prevent the run of cash in," one banking source told me.

Questions? Comments? Email us at NetNet@cnbc.com

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