Ndemanga Zamakampani Zamtsogolo - Kutsekedwa kwa Bank ku Horizon kwa 2011

Mbiri Yakale Ya Kulephera kwa Banki ya Epic yaiwalika

Gawo 23 • Ndemanga za Msika • 8975 Views • 3 Comments pa Mbiri Yakale Ya Epic Bank Kulephera Kwaiwalika

Pakati pamavuto amabanki a 2008-2009 tsamba la FDIC lidakumana ndi kuchuluka kwamagalimoto. Owonerera ambiri asungabe 'diso la nyengo' patsamba lino kuyambira pano. Idalemba ndipo ikupitilizabe kulembetsa mabanki ndi mabungwe azachuma ku USA omwe omwe amasungitsa ndalama zawo komanso omwe amafuna ndalama amafuna thandizo ku Federal Deposit Insurance Corporation.

Mavuto azachuma kumapeto kwa zaka za 2000 adadzetsa mabanki angapo ku United States. Mabanki makumi awiri ndi asanu adalephera ndipo adalandidwa ndi Federal Deposit Insurance Corporation (FDIC) mu 2008, pomwe 140 adalephera mu 2009. Mosiyana, mzaka zisanu chaka cha 2008 chisanafike, mabanki 11 okha ndi omwe adalephera.

Kulandila kwa Washington Mutual Bank ndi oyang'anira mabungwe pa Seputembara 26, 2008, inali vuto lalikulu kubanki m'mbiri ya US. Oyang'anira nthawi yomweyo adasokoneza kugulitsa katundu wambiri wa WaMu ku JPMorgan Chase, yomwe idakonza zolemba mtengo wa ngongole za Washington Mutual zosachepera $ 31 biliyoni.

Chaka cha 2011 chalephera kuyambiranso pomwe akuluakulu aboma anali ndi chiyembekezo kuti mabanki akuyeretsedwa. Mpaka pano mu 2011 mabanki a 71 USA alephera, pomwe palibe omwe alephera pamlingo wa WaMu chowonadi ndichakuti kulephera kwamachitidwe a banki ku USA kukuwonekerabe. Ngakhale kutetezedwa, zonse zachinsinsi komanso kufalitsa, komanso mapulogalamu anthawi zonse ochepetsa komanso kugula katundu, zizindikilo zimachiritsidwa nthawi zonse koma matendawa akuwoneka kuti sangachiritsidwe, mwina pogwiritsa ntchito njira zomwe mpaka pano zalephera. Mu 2010 mabanki a 157 adalephera ndipo panali zolephera zambiri zomwe zikadakhala kuti adalephera, mwachitsanzo, dziko laling'ono la ku Europe monga United Kingdom, zikadadzetsa mpungwepungwe;

  • Horizon Bank 1,300
  • Charter Bank 1,200
  • Columbia 1,100
  • Community Bank ndi Trust 1,210
  • Banki Yachigawo Yoyamba Los Angeles California 2,180
  • La Jolla Bank 3,600
  • Advent Bank Corp 1,600
  • Banki Yogwirira Ntchito ya Appalachi 1,010
  • Riverside National Bank ku Florida 3,420
  • Amcore Bank 3,400
  • Broadway Bank 1,200
  • Zambiri za kampani Bancorp 1750, Inc.
  • Eurobank 2,560
  • Banki ya Frontier 3,500
  • RG Premier Bank yaku Puerto Rico 5,920
  • Banki yakumadzulo Puerto Rico 11,940
  • Midwest Bank ndi Trust Company 3,170
  • Gawo limodzi la banki 2,800
  • Crescent Bank ndi Trust Co 1,000
  • Mphepete mwa nyanja 2,160
  • Premier Bank 1,200
  • Banki ya Hillcrest 1,600
Mwa mabanki 157 omwe adalephera mu 2010 mabanki makumi awiri ndi awiri adanenedwa kuti ali ndi ngongole zoposa $ 1 biliyoni. Chuma chonse cholephera chifukwa cholephera kubanki mu 2010 chinali $ 95,975 biliyoni.

 

Chiwonetsero Chadongosolo Akaunti Akaunti Yowonongeka Sungani Akaunti Yanu

 

2011 yawona zosachepera theka la zolephera za 2010..mpaka pano. Komabe, sikuti tili ndi miyezi inayi yokha mchaka chomwe chikudetsa nkhawa ndikuti kulephera kumalowabe m'mabanki. Zikuwoneka kuti palibe thandizo lomwe lingathetseretu vutoli. Pali masamba angapo omwe amalembetsa zolephera kubanki yaku USA, modabwitsa zina ndizolondola.

Bulogu yakubanki ili ndi mndandanda wamawotchi opambana makumi anayi, mwa makumi anayi omwe anali nawo pamakina opumira, khumi ndi zisanu ndi zinayi adalephera. Mwamwayi mabanki akulu kwambiri mulibe pamndandanda wa zowonera..pano. Asanakumane masiku awiri a Fed chikalatacho chidakali chofala kuti malingaliro akulu kwambiri osalephera adatsalira mwa akuluakulu aku USA.

Popeza kukana kwamwano kwa Ben Bernanke kulengeza kuzungulira kwatsopano kwa QE malingalirowo ayenera kusinthidwa. Kulephera kwakukulu, kofanana ndi komwe kudachitidwa mu 2008 kwa Lehman sikungafanane. Ngati tikumana ndi kugwa koteroko tidzadziwa kuti tili bwino ndipo tabwerera m'chigawo cha 2008, ndi yankho liti, kwakanthawi kapena lina, lomwe lingapangidwe ndichinsinsi.

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