美國存款保證機構FDIC的赤字 

將持續到2012年

有上過「財務救生筏一天課程」的朋友應該會知道,這條新聞是如何的震撼!!因為FDIC沒錢,所以無法100%保證存款的安全性;由於無法100%保證存款,民眾開始提領儲蓄;每提領一份儲蓄,銀行要收回藉由這份存款憑空創造出來四~九倍的「虛擬」貸款;銀根越緊導致週轉不靈、景氣越差,百姓和政府跟著沒入,FDIC更是沒錢,如此惡性循環不以…。 

現在花旗銀行(Citigroup)、摩根大通銀行(JP Morgan Chase)、和富國銀行(Wells Fargo)失去了FDIC保護的資格,預見民眾將加速從這些銀行領回他們的存款。

 

FDIC bank fund in the red until 2012

Even as regulators try to replenish deposit insurance fund, it will be over two years before it boasts a positive balance, warns agency chief.

By David Ellis, CNNMoney.com staff writerOctober 14,   2009: 3:48 PM ET

NEW YORK (CNNMoney.com) -- The government insurance fund designed to protect consumer bank deposits will likely stay in the red through 2012, Federal Deposit Insurance Corp. chief Sheila Bair said Wednesday.

Testifying before members of the Senate Banking Committee, the nation's top commercial bank regulator stressed that her agency was taking immediate steps to replenish the dwindling fund. But she said those efforts would not put the rescue fund in the black until a little more than two years from now at the earliest.

原文(全)連結: http://money.cnn.com/2009/10/14/news/companies/fdic_deposit_fund/?postversion=2009101415

 

 

花旗銀行、摩根大通銀行、和

失去FDIC債務保障資格

Citigroup (C), JP Morgan Chase (JPM), Wells Fargo (WFC) and Others to Lose FDIC Debt Guarantees
October 20th, 2009 • by admin  

Some of the nation’s largest financial companies, including Citigroup (NYSE: C), GE Capital (NYSE: GE), JPMorgan Chase (NYSE: JPM), Wells Fargo (NYSE: WFC), Bank of America (NYSE: BAC) and others will no longer have certain debt guaranteed by the federal government through the FDIC’s Temporary Liquidity Guarantee Program as of October 31st.

The FDIC voted on Tuesday to end the Temporary Liquidity Guarantee Program that is being used to guarantee certain debt issued by some of the nation’s largest banks, but also setup a 6-month safety net facility as part of the process. All five members of the FDIC’s panel of regulators voted to end the program as scheduled on October 31st.

New debt can be issued and guaranteed under the program up until the deadline. The deadline on the newly placed debt would expire no later than December 31st, 2012.

FDIC Chairman, Sheila Bair, stated, “It should be clear that this is not a continuation of the program but an ending of the program.”

As of October 14th, 2009, the FDIC had $309.4 billion in outstanding debt-guarantees. 

原文(全)連結:
http://www.americanbankingnews.com/2009/10/20/citigroup-c-jp-morgan-chase-jpm-wells-fargo-wfc-and-others-to-lose-fdic-debt-guarantees/

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