浑水做空美国加密友好银行 SoFi,指控其涉嫌虚增 10 亿美元利润

Gate News 消息,3 月 31 日,做空机构浑水(Muddy Waters)发布最新报告,宣布已建立对美国首家支持比特币和加密货币交易的全国性特许银行 SoFi Technologies, Inc.(SOFI)的做空仓位。报告指控 SOFI 管理层疑似将来自摩根大通(JPMorgan)的 3.12 亿美元借款记录为「贷款销售」,以此虚增报告利润并获取管理层奖金,而股东则需承担约 15% 的年度稀释。浑水指出,犹他州的 UCC 申报文件显示摩根大通在相关交易中为「高级贷款人」而非资产买方,这与 SOFI 的会计处理逻辑相矛盾。报告认为,SOFI 最终将不得不对该笔 3.12 亿美元的交易进行重新表述,届时可能导致约 10 亿美元此前报告的 EBITDA 被重报,其实际资本充足率也将大幅下调。此外,报告指责 SOFI 利用「担保贷款」计划支持其对个人贷款不切实际的公允价值标注,以维持其财务叙事。

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