A MERICA HAS a dizzying number of banks. In recent weeks, that has proved to be a source of confusion. After Signature Bank, based in New York City, was seized by regulators on March 12th, four other banks with the same name had to clarify that they had no link with the failure. When First Republic Bank, a California-based lender, secured a $30bn cash infusion just weeks before its own collapse, some traders mistakenly sold shares in the similarly named Republic First Bancorp, based in Philadelphia, sending its stock price tumbling by 28%. It is little wonder that America’s lenders get mixed up. There are more than 4,100 commercial banks in the country, according to the Federal Deposit Insurance Corporation (FDIC), compared with 353 in Britain and 261 in Germany. Why does America have so many banks?
梅里卡（Merica）有大量的银行。最近几周，这被证明是混乱的根源。在纽约市的Signature Bank于3月12日被监管机构扣押之后，其他四家以同名的银行必须澄清，他们与失败没有联系。当第一共和国银行是一家总部位于加利福尼亚的贷方，在自身崩溃的前几周获得了300亿美元的现金注入时，一些商人错误地出售了位于费城的类似名为“共和国First Bancorp”的股票，其股价下跌了28％。毫无疑问，美国的贷方混淆了。根据联邦存款保险公司（FDIC）的数据，该国有4,100多家商业银行，而英国为353，在德国为261。为什么美国有这么多银行？
