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311)

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

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:

http://finance.yahoo.com/news/Regulators-close-6-banks-in-apf-2563556515.html?x=0&sec=topStories&pos=3&asset=&ccode=

 

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 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

 


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  • 安姐
  • 這家公司是由央行與財政部共同出資設立的

    我想應該是公營機構沒錯
  • 純公營機構不會掛「有限公司」的字樣,
    總不會有「內政部有限公司」的稱法吧?!
    就連中華郵政都是改革成「民營化」之後,
    抬頭才加上的「有限公司」字樣的

    所以「中央存款保險有限公司」
    有可能具有「官股」的存在,
    但是讓我好奇的是:
    「私股」部分屬於誰的?
    而且當初申請「有限公司」的目的,
    就是要限制營運失敗的狀況,
    讓債權人無法「無限制」對公司負責人索賠,
    故以「有限公司」來申請成立。
    它有這麼雄厚的資本嗎?
    股東們明年起還願意加碼擔保,
    將存款保障提高一倍,
    請問他們公司最近有增資嗎?
    還是他們本來就擁有「無限鈔票」可以賠給民眾?!

    其實也不用賠實體鈔票,
    只要在他們控制的電腦裡輸入一串數字
    即可更動存款紀錄的數字
    讓人一夕致富,或一貧如洗。
    Fred猜到時候理賠就是用這種方式進行,
    因為理賠三百萬,
    很少人真正會全額提領現鈔。

    Fred真的好奇的是,
    誰有這麼大的生殺大權?
    而且這一切讓Fred覺得
    自己儲放在銀行的財富,
    好像不怎麼安穩嗎…

    FrederickWang 於 2010/09/22 10:17 回覆

  • sky
  • 怎感覺「中央存款保險股份有限公司」有點類似美聯儲

    龐式騙局的戲碼不斷上演 把錢換成黃金存起來還比較實在



  • 羽揚
  • 公司基本資料
    統一編號 01456219
    公司狀況 核准設立 (備註)
    公司名稱 中央存款保險股份有限公司 「工商憑證申請」 「工商憑證開卡」
    資本總額(元) 10,000,000,000
    實收資本額(元) 10,000,000,000
    代表人姓名 陳上程
    公司所在地 臺北市中正區南海路3號11樓
    登記機關 經濟部商業司
    核准設立日期 074年09月07日
    最後核准變更日期 099年08月26日
    所營事業資料

    HZ04010 存款保險業


    董監事資料(序號依據公司基本資料內容顯示)
    序號 職稱 姓名 所代表法人 持有股份數
    0001 董事長 陳上程 財政部 509,521,900
    0002 董事 孫全玉 中央銀行 490,473,100
    0003 董事 王南華 中央銀行 490,473,100
    0004 董事 呂青衛 財政部 509,521,900
    0005 董事 陳志遠 財政部 509,521,900
    0006 董事 黃顯元 財政部 509,521,900
    0007 董事 武令揚 財政部 509,521,900
    0008 監察人 徐彩秋 中央銀行 490,473,100
    0009 監察人 林達聰 財政部 509,521,900
    0010 監察人 張正勝 財政部 509,521,900

  • 感謝!利害!
    很有價值的資料。
    是由經濟部商業司去申請成立的,
    可是當初為什麼不直接成立「財政部存款保障局」之類的?
    還大費周章弄個「有限公司」?

    其次,
    財政部是國家機關,
    但是中央銀行尚未弄清楚,
    不知道會不會像聯準會一樣…
    而且其資本額一百億新台幣,
    於法最多也只能理賠3333為存款戶,
    很值得大家來提出看法討論。

    FrederickWang 於 2010/09/22 22:32 回覆

  • silver-knights
  • 太犀利了!

    回應雨揚~~~
    太犀利的資料!讚!
  • BEN
  • Problem

    Reaction

    Solution
  • 咬文嚼字
  • 存款戶 = 無擔保一般無優先權債權人.
    存款後的通貨(M1中非M0的部份)的物權已不屬於存款戶.   
    存款戶給出對法定通貨(M0)的物權,得到對銀行的債權.
    銀行存款不是法定通貨(M0),是債權通貨.

    資料來源
    <民法>
    <貨幣銀行學>
  • 求人不如求己
  • 法定通貨(鈔票+硬幣) : 活存+活儲 :定存+定儲 : 中央存款保險股份有限公司實收資本額 : 外匯儲備 : 政府一年歲入 : 政府一年歲出 = A:B:C:D:E:F:G

    請您自己查資料(中央銀行,財政部,經濟部,金管會,主計處).
    您算術算完,就知道王老師在說什麼.
  • 小捲毛
  • 如果欠銀行債務呢?

    在此請教一個問題, 如果今天欠銀行債務, 結果銀行倒閉了, 那債務會取消嗎? 還是看有沒有銀行接手倒閉的銀行業務呢? 如果有銀行願意接手收購倒閉的銀行, 那存款和債務都會恢復嗎?
  • .
  • 請查民法債權篇
  • max
  • 以上回應讓我想起了這篇文章,個人的債是很難跑得掉的,除非你有充分的財商,要不然市井小民永遠是被剝好幾層皮的羊
    ==========================
    台灣納稅人 你為何不生氣!
    民國100年總預算 舉債高達2250億元,98年度公務員獎金1233億無法源依據。 國家財政惡化?審計部查核報告指出,98年度公務員獎金1605億,其中1233億根本沒有法源依據。離譜吧?為什麼公務人員有俸給,有年終獎金、考績獎金,去做本於職責的工作還要拿獎金?(難道沒獎金就不辦事?)這些沒有法源依據的獎金,比如稅務單位的績效獎金、檢舉獎金,不但助長稅單浮濫,更是不實檢舉的誘因! 人民欠稅,重罰好幾倍,限制出境、管收樣樣來。 今天被核課一筆稅捐如果逾期繳納,會外加滯納金和利息。滯納金的算法是每逾期2天1%,最多加計到15%(30天),若用年率計算,滯納金的年利率高達182.5%,都已超過刑法重利罪年利率標準(銀行卡債近20%算啥?!),訂定這種罰則的政府不是帶頭違法嗎?符合比例嗎?沒有違反憲法保障人民財產權的宗旨嗎?還是……反正人民沒意見嘛!政府就繼續這樣搞錢,人民活該!誰叫你們沒意見、不吭聲。 以賀一航為例,雖然他有些負面新聞,但無損於他在憲法上應受保障的人權。如果是你,原本只欠稅二百多萬,卻因高利率滯納金及罰款,飆到八百多萬,你願意繳嗎?繳得心甘情願嗎?民眾多抱著看戲的心態,也讓國稅局及行政執行處放的訊息牽著鼻子走,不去深思事件背後的原因與真相-不公平、不合理的稅制稅法!大家認為這種事不會發生在自己或家人親友身上嗎? 如果真發生在你自己或家人身上,你還會以八卦、笑話看待嗎?不要懷疑,不合理的稅制不改、稅法不修,人人有機會,總有一天輪到你! 稅務機關行政權過大,任意曲解所得性質: 台灣有卡奴、債奴,但是有更可憐的稅奴,因為很多稅都是莫名其妙來的,稅務機關有很大的權力來認定人民的所得性質(就像林志玲的稅案),因稅務人員發單課稅很簡單,隨便開張稅單,百姓不服就去復查、訴願、打行政救濟,但在「抗告不影響執行」情況下,銀行帳戶被凍結、公司倒了,出去也找不到工作,加上限制出境等手段,逼的欠稅人走投無路,很多人只好走上絕路! 有人敢對國稅局抱怨嗎?不 ﹏ 敢 ﹏ 啊 ﹏! 國稅局權利大到沒有人能監督制衡了「連『法院判的不算數啦!』(中區國稅局苗栗分局長陳合發經典語錄)這種話也說得理直氣壯。」你敢有異見,我就查你的帳、課你的稅!連各大媒體似乎也不敢碰觸這個敏感話題,因為國稅局可查每一個人、每一個企業的帳,進而開單課稅 ﹏ 恐怖哦 ﹏ 這是什麼時代!!什麼政府?? 當你知道這些事發生在現在的台灣,你毫無感覺嗎?還不生氣嗎? 那就繼續讓那些公務員領高額獎金、政府哭窮吧! 繼續忍受不合理稅制稅法的壓榨吧! 反正老百姓也沒意見,活該! 希望這些訊息能讓更多人知道我國稅務實況真相-一起來關心我國稅法、稅制的改革,建立更公平合理的稅務法制,才是國家、人民的福氣,期待一個人民可以安居樂業的台灣!
    (文字摘錄自公共電視之PeoPo公民新聞/作者:無官御史)
  • 讀者
  • 拿稅務的滯納金與罰款來批判公務員獎金不是一個很好的做法。我只感覺這篇文章只想挑起對公務員的眾怒。況且這類罰款對市井小民沒有多大意義!因為大多是市井小民是勞工,完全沒有避稅的機會。對從想避稅卻找錯方法的有錢人身上挖出錢來,這對大多市井小民有甚麼壞處呢!!

    而聰明的你,你的情緒被這篇文章影響了嗎??
  • 馬可
  • 台灣稅很便宜......
  • 訪客
  • 台灣房屋仲介密度直追便利商店

    【聯合晚報╱記者游智文/即時報導】 2011.02.23

    住商不動產台灣總部總經理陳錫琮指出,自92年以來,台灣不動
    產經紀業者已經從2262家,到現在的4845家,從業人口達15萬98
    00多人,密度直逼便利商店,惟縱觀全國買賣移轉棟數,自民國
    95年創出45萬棟歷史紀錄後,就在38~40萬棟之間徘徊,由於價
    格節節高升,量體難以放大。單單以去年和前年為例,不動產經
    紀業家數成長16%,交易量僅增加4.6%,房仲競爭激烈下,加盟
    體質備受考驗。
  • 訪客
  • 這樣是不是指房地產有泡沫的現象了......那為何政府還鼓勵年輕人首購呢?
    是不是銀行需要年輕人拋頭顱撒熱血的救國資金注入以避免流動性不足ㄚ?
  • 訪客
  • 是啊,我也想狠狠的做空黃金,請問怎麼做啊?
  • 訪客
  • Vietnam central bank wants to outlaw gold trading

    February 28, 2011. By Nguyen Pham Muoi

    The Wall Street Journal




    HANOI -- Vietnam's central bank is proposing that the government issue regulations to ban the trade of gold bullion from the second quarter of this year , state media reported Monday, citing the State Bank of Vietnam.

    "The State Bank of Vietnam in the second quarter will request that the government issue a decree on management of gold trading, aiming to control imports and exports of gold and to ban the trading of gold bullion in the free market," the state-run Vietnam News Agency said.

    "Trading of gold bullion is seen only in Vietnam but not in other countries," it said. "It is bad for the economy because (the country) has to import gold, which causes trade deficits."

    The elimination of gold bullion trading is "necessary and timely," as the government is rolling out measures to tame inflation and stabilize macroeconomic conditions, it said.