銀行出問題,政府有三種解決辦法:                   

  1. 支出清算:如果銀行不大(而且沒有政治後台),
    那麼政府傾向於出資理賠所有存戶的存款,
    然後關閉銀行。銀行擁有人與股東則拿不回自己的投資。
  2. 併購清算:政府居中協調,將有問題(而且沒有後台)的
    中小銀行賣給大銀行:星期五將小銀行關閉後,
    下週一重新以大銀行分行的形式重新開張。
    這是有政治後台的大銀行,
    增加其市佔率的有效(而且便宜)的方式。
  3. 抒困資助:只有極少數擁有政治後台,
    享有特權的大銀行能獲得。
    萬一出事,政府出資保障所有存戶的存款,
    銀行也無須倒閉或開除高階經理。
    大銀行自己所犯的錯,完全由納稅人概括承受。
    因此大銀行可以用存戶的錢
    任意投資於高風險產品:賺了銀行家們分紅,
    賠了納稅人來概括承受,銀行的擁有人和股東
    完全沒有損失,只會有獲得巨大利益的可能
    (好像是賭博時,輸了有人付錢,贏了算自己的)。

美國政府再關閉八間銀行

n  今年目前一共累積至50間

n  總數預計將比2009年還要高

8 banks close in Calif., Fla., Mass., Mich., Wash.

Apr 17, 12:47 AM (ET)
By TIM PARADIS and MARCY GORDON

WASHINGTON (AP) - Regulators on Friday shut down eight banks - three in Florida, two in California, and one each in Massachusetts, Michigan and Washington - putting the number of U.S. bank failures this year at 50.

The Federal Deposit Insurance Corp. took over the three Florida banks: Riverside National Bank in Fort Pierce, with $3.4 billion in assets; First Federal Bank of North Florida in Palatka, with $393.3 million in assets; and AmericanFirst Bank in Clermont, with assets of $90.5 million.

TD Bank Financial Group, a division of Canada's TD Bank, agreed to acquire the deposits and nearly all the assets of the three Florida banks.

The FDIC also seized Innovative Bank, based in Oakland, Calif., with about $269 million in assets; Tamalpais Bank of San Rafael, Calif., with about $629 million in assets; City Bank, based in Lynnwood, Wash., with about $1.1 billion in assets; Butler Bank in Lowell, Mass., with $268 million in assets; and Lakeside Community Bank in Sterling Heights, Mich., with $53 million in assets.

Los Angeles-based Center Bank agreed to assume the assets and deposits of Innovative Bank. San Francisco-based Union Bank is acquiring the assets and deposits of Tamalpais Bank. Whidbey Island Bank, based in Coupeville, Wash., is assuming the deposits of City Bank and $704.1 million of its assets. People's United Bank in Bridgeport, Conn., agreed to assume the assets and deposits of Butler Bank.

The FDIC couldn't find a buyer for Lakeside Community Bank. First Michigan Bank in Troy, Mich., will take over the failed bank's direct deposit operations for federal payments, such as Social Security and veterans' benefits.

The failure of Riverside National Bank is expected to cost the deposit insurance fund $491.8 million. For the other banks, the estimated costs: First Federal Bank of North Florida, $6 million; AmericanFirst Bank, $10.5 million; Innovative Bank, $37.8 million; Tamalpais Bank, $81.1 million; City Bank, $323.4 million; Butler Bank, $22.9 million; and Lakeside Community Bank, $11.2 million.

Depositors' money is insured up to $250,000 per account by the FDIC, which is backed by the government.

Last year, 140 banks failed in the U.S. That was the highest annual number since 1992 during the peak of the savings and loan crisis. The failures last year cost the FDIC's insurance fund more than $30 billion.

Twenty-five banks failed in 2008 and three in 2007.

FDIC Chairman Sheila Bair has predicted that the number of bank failures will peak this year and be slightly more than in 2009.

原文(全)連結:

http://apnews.myway.com/article/20100417/D9F4JQR00.html

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