This crisis is caused by a complex and many factors which gradually developed in the real estate market and loans such as home owner is not able to pay the loans.The speculation and the construction of houses in the market too fast growth of credit products that are of high risk Debt Equity ratio of the person and the Company. The financial innovation that Distribution (while it may be concealed).Policy and the control (or the lack of control) of the central bank, usually in the United States, the market will have a Home Loan lending, good cases (prime) will have a good payment history is not out of shape and have a job as a source.100 people will have 90 people and 10 of them are a type of Prime Sub - prime in the first phase of the real estate prices are also high, it is not a problem, but in crisis prices down more than doubled, loans, mortgages, they become free (Non - Performing Loan).(Alt - A) they also have a history of payment of income is not at a satisfactory level. But this may be because it is, of course, main work is not a primary source and independent group criteria, or lower than the ซัพไพร์ม debt repayment history is not good,Most banks will be lending to the group that believes that it will be refunded to customer groups ซัพไพร์ม difficult to find sources in the home loan market booms, but when he was there was pressure to financial institutions.The loan was more money in the future, the financial institutions, they are not lending, think I hope it will be from the high interest payments, but when it comes to the time of the customer ซัพไพร์มthe financial institution, at least large fell without order by the bank of the first crisis had to consign ซัพไพร์ม HSBC is the loss of more than 10.5 billion US dollars
The "problematic sub" or sub-prime, which means that is the second quality of sub-prime mortgage loans in the United States or to loan to the debtor is less than standard credit financial or quality."problematic sub." This general financial institutions will not Loan It is independent of the Company, and instead of lending the money that the Company they used to lending, using the methods of debt instruments, and the real estate of the debtor guarantee debt.Debt Restructuring company liable to pay them. So they will sell the real estate of the debtor to pay back the purchase of debt instruments the Bank holds Real Estate Auction, and then bring the money to pay for the deposit many years ago.With the debt instruments issued to the world as soon as the US economy this year, much better to start sub-prime mortgage debt is not paid while the real estate sector in the United States, prices fall, the Company has started lending money out of stock"problematic sub." The result was that these funds เฮดจ์ฟันด์ต่างๆ terribly loss from debt instruments held by the central bank from this case, in the United States (FED) EU and Japan have huge amounts of money to inject more than 200,000 million US dollars or approximately 8In the mortgage business that is not doing business in Housing Bank to financial institutions, insurance companies, etc. , private placements of debt instruments invention is not to be a shareholder of the debentures or derivatives (derivatives) strange.These instruments widely used due to benefit and to prevent the risk of
The problem, he was struck by the real estate bubble burst (occurs when there is no one who will come to buy a home, make sure that it will be sold at a price higher than the purchase) when consumers do not have to pay house is secure intellectual property rightsIt is adversely affected by an order of the debentures issued by B had decreased or that it is zero (because there is no chance of recovery), a company B revenue is reduced to stock prices fell hard money loan
added.problematic sub crisis caused a panic in the financial sector and to withdraw money from investors, bonds that are related to credit risk and the stock price is, of course, is not used to store accumulated in the form of commodity.After futures collapse caused the problem and the World Food price crisis in oil prices speculators who want to return on investment in the short-term withdrawal of several billion dollars of shares and bonds
.The crisis is not the sub-prime mortgage limited only in the United States, but also affect the global economy, whether it is Europe and AsiaIn addition to the loose, let debt recovery is not the quality of the Bank and the sale of the global financial markets financial giant company gradually, bankruptcy or sale of government to take care of instead of
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