行政院金管會決定，
2011年起將台灣存款保障額度提高一倍，
從原先每人150萬元提高至300萬元，
這其中還包括了外幣存款。
奇怪，
全球銀行界都互相有連帶關係是嗎？
如果銀行沒有問題，
幹嘛背負這麼高的存款保障？
因為萬一銀行週轉不靈（甚至倒閉），
到時候存款保障局接受一些爛攤子，
還要拿這麼多錢給存款戶，
有沒有人想過：
1.
存款戶先前存入銀行的錢，
也就是百姓的血汗錢，
到底被銀行搞到哪裡去了？
2. 銀行運用存款戶的錢賠慘了，
為什麼又要由存款保障機構來出面，
由全民的納稅錢來買單呢？
3. 如果存款保障機構拿出來的錢不是納稅錢，
那麼這些錢又是從哪裡來的呢？
4. 聽說這一部份的錢是由各家銀行拿出來的，
可是又很好玩：銀行收到存款人的儲蓄存款，
拿一部份錢出來給存款保障機構以備不時之需，
可見銀行真的拼命在運用儲蓄者的錢
（表示說你存入銀行的錢根本不在銀行裡，
很快的會被銀行拿去「創造價值」）；
5. 可是當甲銀行（用唸的Fred都笑出來了）出狀況，
就拿乙銀行儲蓄者的錢來支援甲銀行；
萬一乙銀行又出狀況，就拿丙銀行
儲蓄者的錢來支應…，一直延續下去，
萬一到最後一間的癸銀行
（這個唸起來更好笑）也出事了，那…？！
更別提通貨膨脹、鈔票變薄等等，
對儲蓄者不利的情形。
感覺上好像是都是百姓或存款戶在吃虧呢！
Fred再偷偷跟你講一個秘密：
負責保障台灣全部銀行所有存款的機構，
全名叫做「中央存款保險股份有限公司」
(位於台北市南海路3號11樓)
看樣子不是直屬中央的政府機構，
而且台灣有哪家股份有限公司，
不但敢，而且還能承保這麼多存款？
各位看官自己去思量看看！
主管機關再次關閉喬治亞、新澤西、
俄亥俄、威士康辛等州六家銀行
Regulators close 6 banks in
Ga, NJ, Ohio, Wis
n 讓今年關閉銀行家數到達125間
n 美國存款保障機構FDIC分別接收
各家銀行價值一億六千萬、兩億四千八百萬、
四億七千七百萬、八千一百萬、四千七百萬、
三億五千萬元等的資產。
並承諾分攤其中三家銀行一共六億零兩百萬的壞帳。
n 2009年共倒了140間銀行，
FDIC承擔三百多億美元的壞帳。
2010截至今天為止，已經倒了125間銀行。
而且有問題銀行從前一季775間，
最近一躍上升為829間之譜。
n 但是FDIC仍然保障每個存款戶二十五萬美元。
Regulators shut down 3 Georgia banks,
1 each in NJ, Ohio, Wis; makes 125 US
failures this year
Marcy Gordon, AP Business Writer, On Friday September 17, 2010, 8:12 pm EDT
WASHINGTON (AP) -- Regulators on Friday shut down three Georgia banks and one each in New Jersey, Ohio and Wisconsin, boosting to 125 the number of U.S. bank failures this year amid the tough economic climate and growing loan defaults.
The Federal Deposit Insurance Corp. on Friday took over the Georgia banks: Bank of Ellijay, in Ellijay, with $168.8 million in assets; First Commerce Community Bank of Douglasville, with $248.2 million in assets; and Peoples Bank, based in Winder, with $447.2 million in assets.
The FDIC also seized ISN Bank in Cherry Hill, N.J., with $81.6 million in assets; Bramble Savings Bank of Milford, Ohio, with $47.5 million in assets; and Maritime Savings Bank, based in West Allis, Wis., with assets of $350.5 million.
Community & Southern Bank, based in Carrollton, Ga., agreed to assume the assets and deposits of Bank of Ellijay, First Commerce Community Bank and Peoples Bank. In addition, the FDIC and Community & Southern Bank agreed to share losses on $602.5 million of the three failed banks' loans and other assets.
Georgia, where the meltdown in the real estate market brought an avalanche of soured mortgage loans, has been one of the hardest hit states for bank collapses. The failures of the three banks Friday brought to 14 the number of Georgia banks that have fallen this year. Also high on the list of failure-heavy states are California, Florida and Illinois.
New Century Bank, based in Phoenixville, Pa., agreed to assume the assets and deposits of ISN Bank. New Century Bank does business as Customers Bank. The FDIC and New Century agreed to share losses on $64.8 million of ISN Bank's loans and other assets.
Foundation Bank, based in Cincinnati, is assuming the assets and deposits of Bramble Savings Bank.
And North Shore Bank, based in Brookfield, Wis., agreed to acquire all the deposits of Maritime Savings Bank and $177.6 million of its assets.
The failure of Bank of Ellijay is expected to cost the deposit insurance fund $55.2 million; that of First Commerce Community Bank, $71.4 million; that of Peoples Bank, $98.9 million; ISN Bank, $23.9 million; Bramble Savings Bank, $14.6 million; and Maritime Savings Bank, $83.6 million.
With 125 closures nationwide so far this year, the pace of bank failures exceeds that of 2009, which was already a brisk year for shutdowns. By this time last year, regulators had closed 94 banks.
The pace has accelerated as banks' losses mount on loans made for commercial property and development. Many companies have shut down in the recession, vacating shopping malls and office buildings financed by the loans. That has brought delinquent loan payments and defaults by commercial developers.
The number of bank failures is expected to peak this year and be slightly higher than the 140 that fell in 2009. That was the highest annual tally since 1992, at the height of the savings and loan crisis. The 2009 failures cost the insurance fund more than $30 billion. Twenty-five banks failed in 2008, the year the financial crisis struck with force; only three succumbed in 2007.
The growing bank failures have sapped billions of dollars out of the deposit insurance fund. It fell into the red last year, and its deficit stood at $20.7 billion as of June 30.
The number of banks on the FDIC's confidential "problem" list jumped to 829 in the second quarter from 775 three months earlier, even as the industry as a whole had its best quarter since 2007, making $21.6 billion in net income. Banks with more than $10 billion in assets -- only 1.3 percent of the industry -- accounted for $19.9 billion of the total earnings.
The FDIC expects the cost of resolving failed banks to total around $60 billion from 2010 through 2014.
The agency mandated last year that banks prepay about $45 billion in premiums, for 2010 through 2012, to replenish the insurance fund.
Depositors' money -- insured up to $250,000 per account -- is not at risk, with the FDIC backed by the government. That insurance cap was made permanent in the financial overhaul law enacted in July.
原文（全）連結：
第二則相關新聞：
賽特米Suttmeier說：
「更多銀行倒閉＋
美國存款保障機構面臨困境＝
更大的破產風暴」
"Waves of More Foreclosures" =
More Bank Failures +
Big Trouble for the FDIC, Suttmeier Says
n 有21.5%的人背著比他們房子市價還高的房貸。
n 房地美第二季公布損失47億美元。
政府累積補助該機構已經高達1480億美元，
初步估計房地美與房利美兩家公司將會花掉
納稅人四兆美元。
（Fred註：幹嘛把錢給這兩家爛公司來
維持民眾的房貸？乾脆拿這些錢幫助名下
只有一棟房屋的民眾，來清償房貸不是更直接？
反正這些錢也是由百姓納稅而來的，不是嗎？
四兆美元除以四百萬戶，每戶可以拿到一百萬美元耶！
這麼多錢拿給兩家公司公平嗎？）
n 由於破產風波不斷，
美國房價預計在2014年前還會再跌30%。
Posted Aug 11, 2010 07:30am EDT by Peter Gorenstein
The U.S.
housing market continues to send mix signals. More homes continue to
enter foreclosure but the number of homeowners carrying so-called “under water
mortgages,” declined in the second quarter, Zillow.com
reported Monday.
21.5% of homeowners owed more on their mortgage than their home was worth in
the second quarter, that’s down from 23.3% in the first quarter and 23% a year
ago.
“There are a lot homes caught up in mortgage modifications,” explains Richard
Suttmeier of ValuEngine.com,
which he says results in a temporary stability in home prices. The key
word: temporary.
“There’s waves of more foreclosures coming in the housing market because very few of the HAMP modifications are becoming permanent,” he says.
Meanwhile, the backdoor bailout of the housing market continues. Freddie
Mac reported a $4.7 billion second quarter loss Monday and asked the
government for another $1.8 billion in aid. Last week, Fannie Mae -
Freddie Mac’s larger counterpart - asked the government for $1.5 billion.
That brings the total tab for the government-sponsored entities to $148
billion. Suttmeier estimates, Fannie and Freddie, will wind up costing
taxpayers at least $400 billion.
All of this housing trouble creates a vicious cycle for the economy, jobs and
the fragile banking system, Suttmeier tells Aaron in this clip, predicing
another 30% drop in home prices by 2014, as measured by the Case-Shiller Index.
“If you’re not building homes, you’re not creating jobs. Construction is the
biggest component of job creation on Main Street USA,” he says. “Community
banks can’t lend because they’re stuffed with loans they wrote 2003-2007. They
are going bad.”
The 'negative feedback loop’ is going to lead to more bank failures and that
leads to another problem – a lack of money in the FDIC Insurance Fund.
"The FDIC Deposit Insurance fund has now been drained by just $1.33 billion so far this quarter bringing the year to date total to $18.93 billion well above the $15.33 billion prepaid assessments for all of 2010,” Suttmeier recently wrote clients. Ironically, filling that gap will fall on the shoulders of the ‘Too Big To Fail Banks’ he says. “Because they can afford it.”
The big banks can afford it thanks to TARP and other taxpayer subsidies but the rising cost of replenishing the FDIC fund means lower profits for the big banks, which means they'll be even less inclined to lend money to the rest of us, further curtailing economic activity.
原文（全）連結：
http://finance.yahoo.com/tech-ticker/article/535314/%22Waves-of-More-Foreclosures%22-%3D-More-Bank-Failures-%2B-Big-Trouble-for-the-FDIC,-Suttmeier-Says
留言列表
