NgoSeptemba 23 • Amagqabantshintshi eMarike • 9024 izimvo • 3 Comments kwiMbali yakutsha nje yokusilela kweBhanki ye-Epic ilityalwe
Ngexesha lentlekele yebhanki ka-2008-2009, iwebhusayithi ye-FDIC yafumana ukwanda kwezithuthi. Uninzi lwabakhi-mkhanyo baye bagcina 'iliso lemozulu' kwindawo ukusukela oko. Idwelise kwaye iyaqhubeka nokudwelisa iibhanki ezingaphumelelanga kunye namaziko emali e-USA abagcini-mali kunye nabatyali-mali bafuna uncedo kwi-Federal Deposit Insurance Corporation.
Ngasekupheleni kweminyaka yoo-2000 ingxaki yezemali yakhokelela ekusilela kwenani leebhanki eUnited States. Iibhanki ezingamashumi amabini anesihlanu aziphumelelanga kwaye zathathwa yi-Federal Deposit Insurance Corporation (FDIC) ngo-2008, ngelixa i-140 ayiphumelelanga ngo-2009. Ngokwahlukileyo, kwiminyaka emihlanu ngaphambi kwe-2008, kuphela iibhanki ezili-11 ziye zasilela.
Ukufunyanwa kwebhanki yaseWashington Mutual ngabalawuli be-federal ngoSeptemba 26, 2008, yayiyeyona nto ingaphumeleli kakhulu kwimbali yase-US. Abalawuli ngaxeshanye badibanisa ukuthengiswa kwezinto ezininzi ze-WaMu kwiJPMorgan Chase, ecwangcise ukubhala phantsi ixabiso lemali mboleko yeWashington Mutual ubuncinane i-31 yeebhiliyoni zeedola.
Ngowama-2011 kuye kwakho ukusilela kwakhona okuncinci xa abasemagunyeni babenethemba lokuba inkqubo yebhanki icociwe, ngokwenjongo yazo zonke. Ukuza kuthi ga ngoku ngo-2011 iibhanki ezingama-71 zase-USA aziphumelelanga, ngelixa kungekho nenye ethe yasilela kwinqanaba le-WaMu inyaniso ihleli kukuba ukusilela kwenkqubo yebhanki yase-USA kusabonakala. Ngaphandle kokukhutshwa kwebheyile, zombini imfihlo kunye nokupapashwa, kunye neenkqubo eziqhelekileyo zokunciphisa ubungakanani kunye nokuthengwa kwe-asethi, iimpawu zihlala ziphathwa kodwa isifo sibonakala singanyangeki, ubuncinane ngokusebenzisa iindlela eziye zasilela. Ngo-2010 iibhanki ezili-157 aziphumelelanga kwaye kwabakho ukungaphumeleli okukhulu, ukuba, ukuba bezisilele, umzekelo, ilizwe elincinane laseYurophu elifana ne-United Kingdom, bekuya kubangela isiphithiphithi;
- IBhanki yeHorizon 1,300
- IBhanki yoMnqophiso 1,200
- Columbia 1,100
- IBhanki yoLuntu kunye neTrasti 1,210
- IBhanki yoMmandla yokuQala eLos Angeles California 2,180
- La Jolla Bank 3,600
- Advent Bank Corp 1,600
- Appalachian Community Bank 1,010
- Riverside National Bank of Florida 3,420
- Amcore Bank 3,400
- Broadway Bank 1,200
- IBancorp 1750
- Eurobank 2,560
- Frontier Bank 3,500
- RG Premier Bank of Puerto Rico 5,920
- Ibhanki yaseNtshona Puerto Rico 11,940
- IBhanki yaseMidwest kunye neNkampani yeTrasti 3,170
- Ibhanki enye 2,800
- I-Crescent Bank kunye neTrust Co 1,000
- I-ShoreBank 2,160
- Premier Bank 1,200
- Hillcrest Bank 1,600
Kwi-157 leebhanki ezisileleyo ngo-2010 amashumi amabini anesibini ebhanki aye phantsi kokuchaza amanani etyala angaphezulu kwebhiliyoni e-1 yeedola. Itotali yokungaphumeleli kwe-asethi ngenxa yokungaphumeleli kweebhanki ngo-2010 ibe yi-95,975 yeebhiliyoni zeedola.
U-2011 ubone ngaphantsi kwesiqingatha sokusilela kuka-2010..ukuza kuthi ga ngoku. Nangona kunjalo, asiphelelanga nje ekubeni sineenyanga ezine ezishiyekileyo enyakeni into ekhathazayo yeyokuba ukungaphumeleli kusangene nzulu kwinkqubo yebhanki. Kubonakala ngathi akukho ncedo lungakanani olunokuwulungisa ngokusisigxina lo mbandela. Kukho iisayithi ezininzi ze-niche ezidwelisa iintsilelo zebhanki zase-USA ezinokubakho, ngendlela eyothusayo ezinye zichanekile.
Ibhlog yebhanki inoluhlu oluphezulu lokubukela olungamashumi amane, kumashumi amane ebenalo kwisixhobo sokuphefumla, ishumi elinesithoba liye lasilela. Ngethamsanqa iibhanki ezinkulu azikho kuluhlu lokubukela..okwangoku. Phambi kwentlanganiso yeentsuku ezimbini ze-Fed inkolelo yayisaxhaphakile yokuba isimo sengqondo esikhulu kakhulu sokusilela sahlala ngaphakathi kwabasemagunyeni base-USA.
Ngenxa yokwala kukaBen Bernanke ngokugqithisileyo ukuvakalisa umjikelo omtsha we-QE ukuba umbono unokufuneka ulungiswe. Ukungaphumeleli kwe-epic, okufana noko kwabonwa ngo-2008 ku-Lehman akunakukhutshelwa ngaphandle. Ukuba sifikelwa kukuwohloka okunje siya kwazi ukuba siphilile kwaye sibuyile ngokwenene kumhlaba ka-2008, sesiphi isisombululo, okwethutyana okanye ngenye indlela, esinokuthi siyilwe yimfihlakalo.
ingxaki yebhankiAmagqabantshintshi kwintengiso ye forexifxcc
« Ukuhanjiswa-Ungathethi naye nabani na, sukuChukumisa nantoni na I-Fracking Shale Gas, Uqoqosho lwe-Fracking »
Imbali yamva nje yokuSilela kweBhanki ye-Epic ilibalekile
NgoSeptemba 23 • Amagqabantshintshi eMarike • 9024 izimvo • 3 Comments kwiMbali yakutsha nje yokusilela kweBhanki ye-Epic ilityalwe
Ngexesha lentlekele yebhanki ka-2008-2009, iwebhusayithi ye-FDIC yafumana ukwanda kwezithuthi. Uninzi lwabakhi-mkhanyo baye bagcina 'iliso lemozulu' kwindawo ukusukela oko. Idwelise kwaye iyaqhubeka nokudwelisa iibhanki ezingaphumelelanga kunye namaziko emali e-USA abagcini-mali kunye nabatyali-mali bafuna uncedo kwi-Federal Deposit Insurance Corporation.
Ngasekupheleni kweminyaka yoo-2000 ingxaki yezemali yakhokelela ekusilela kwenani leebhanki eUnited States. Iibhanki ezingamashumi amabini anesihlanu aziphumelelanga kwaye zathathwa yi-Federal Deposit Insurance Corporation (FDIC) ngo-2008, ngelixa i-140 ayiphumelelanga ngo-2009. Ngokwahlukileyo, kwiminyaka emihlanu ngaphambi kwe-2008, kuphela iibhanki ezili-11 ziye zasilela.
Ukufunyanwa kwebhanki yaseWashington Mutual ngabalawuli be-federal ngoSeptemba 26, 2008, yayiyeyona nto ingaphumeleli kakhulu kwimbali yase-US. Abalawuli ngaxeshanye badibanisa ukuthengiswa kwezinto ezininzi ze-WaMu kwiJPMorgan Chase, ecwangcise ukubhala phantsi ixabiso lemali mboleko yeWashington Mutual ubuncinane i-31 yeebhiliyoni zeedola.
Ngowama-2011 kuye kwakho ukusilela kwakhona okuncinci xa abasemagunyeni babenethemba lokuba inkqubo yebhanki icociwe, ngokwenjongo yazo zonke. Ukuza kuthi ga ngoku ngo-2011 iibhanki ezingama-71 zase-USA aziphumelelanga, ngelixa kungekho nenye ethe yasilela kwinqanaba le-WaMu inyaniso ihleli kukuba ukusilela kwenkqubo yebhanki yase-USA kusabonakala. Ngaphandle kokukhutshwa kwebheyile, zombini imfihlo kunye nokupapashwa, kunye neenkqubo eziqhelekileyo zokunciphisa ubungakanani kunye nokuthengwa kwe-asethi, iimpawu zihlala ziphathwa kodwa isifo sibonakala singanyangeki, ubuncinane ngokusebenzisa iindlela eziye zasilela. Ngo-2010 iibhanki ezili-157 aziphumelelanga kwaye kwabakho ukungaphumeleli okukhulu, ukuba, ukuba bezisilele, umzekelo, ilizwe elincinane laseYurophu elifana ne-United Kingdom, bekuya kubangela isiphithiphithi;
U-2011 ubone ngaphantsi kwesiqingatha sokusilela kuka-2010..ukuza kuthi ga ngoku. Nangona kunjalo, asiphelelanga nje ekubeni sineenyanga ezine ezishiyekileyo enyakeni into ekhathazayo yeyokuba ukungaphumeleli kusangene nzulu kwinkqubo yebhanki. Kubonakala ngathi akukho ncedo lungakanani olunokuwulungisa ngokusisigxina lo mbandela. Kukho iisayithi ezininzi ze-niche ezidwelisa iintsilelo zebhanki zase-USA ezinokubakho, ngendlela eyothusayo ezinye zichanekile.
Ibhlog yebhanki inoluhlu oluphezulu lokubukela olungamashumi amane, kumashumi amane ebenalo kwisixhobo sokuphefumla, ishumi elinesithoba liye lasilela. Ngethamsanqa iibhanki ezinkulu azikho kuluhlu lokubukela..okwangoku. Phambi kwentlanganiso yeentsuku ezimbini ze-Fed inkolelo yayisaxhaphakile yokuba isimo sengqondo esikhulu kakhulu sokusilela sahlala ngaphakathi kwabasemagunyeni base-USA.
Ngenxa yokwala kukaBen Bernanke ngokugqithisileyo ukuvakalisa umjikelo omtsha we-QE ukuba umbono unokufuneka ulungiswe. Ukungaphumeleli kwe-epic, okufana noko kwabonwa ngo-2008 ku-Lehman akunakukhutshelwa ngaphandle. Ukuba sifikelwa kukuwohloka okunje siya kwazi ukuba siphilile kwaye sibuyile ngokwenene kumhlaba ka-2008, sesiphi isisombululo, okwethutyana okanye ngenye indlela, esinokuthi siyilwe yimfihlakalo.
ingxaki yebhankiAmagqabantshintshi kwintengiso ye forexifxcc
« Ukuhanjiswa-Ungathethi naye nabani na, sukuChukumisa nantoni na I-Fracking Shale Gas, Uqoqosho lwe-Fracking »