A bank run, which refers to a large-scale withdrawal of deposits by customers, happens when people fear problems with the stability of their banks. However, now that mobile banking has developed, we can withdraw money with just a few clicks without having to visit the bank in person. This led to the bankruptcy of the large bank in just 36 hours. SVB's maintrading base is startup companies in Silicon Valley. Recently, the government's interest rate hike to control inflation has increased the borrowing burden of companies, and as bank loans decreased, SVB invested in bonds to make a profit. However, continued interest rate hikes devalued bonds with high liquidity risk until maturity, and SVB sold the bonds at a lower price than it purchased them to cover ongoing withdrawals. As this situation continued, SVB's losses increased to about 1.8 billion dollars, and the news spread rapidly through the Internet.