FDIC shuts banks in Fla., Minn., Ariz., Calif.

n FDIC陸續接管各家銀行

n FDIC機密檔案中有問題的銀行從三個月之前的


n FDIC預計未來銀行壞帳膨脹一兆美元

n FDIC政府擔保目前擁有


By IEVA M. AUGSTUMS (AP) – 1 day ago

CHARLOTTE, N.C. — Regulators on Friday shut down banks in Florida, Minnesota, Arizona and California, bringing the number of U.S. bank failures to 68 this year.

 losses have mounted on loans made for commercial property and development, the growing bank failures have sapped billions of dollars out of the deposit insurance fund. It fell into the red last year, hitting a $20.9 billion deficit as of Dec. 31.

The number of banks on the FDIC's confidential "problem" list jumped to 702 in the fourth quarter from 552 three months earlier, even as the industry squeezed out a small profit. Still, nearly one in every three banks reported a net loss for the latest quarter.

The FDIC expects the cost of resolving failed banks to grow to about $100 billion over the next four years.

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. Apart from the fund, the FDIC has about $66 billion in cash and securities available in reserve to cover losses at failed banks.






n 將會影響民眾的信心,


n 債券基準和殖利率都再度創下新高

Bank Risk Soars to Record,

Default Swaps Overtake Lehman Crisis

By Abigail Moses


May 7 (Bloomberg) -- The cost of insuring against losses on European bank bonds soared to a record, surpassing levels triggered by the collapse of Lehman Brothers Holdings Inc., as the sovereign debt crisis deepened.

 “We do not see a clear sign that markets will calm down in the absence of decisive action by authorities, which so far have ignored the opportunity to convince investors that they are capable of battling the European sovereign debt crisis,” Markus Ernst, a credit strategist at UniCredit SpA in Munich, wrote in a note to investors.

Credit-default swaps pay the buyer face value in exchange for the underlying securities or the cash equivalent should a company fail to adhere to its debt agreements. An increase signals deterioration in perceptions of credit quality.

The extra yield investors demand to own investment grade corporate bonds rather than government debt jumped 21 basis points from last week to 174, the largest weekly rise in a year, according to Bank of America Merrill Lynch index data. The gauge has also increased 10 basis points from yesterday, the biggest one-day increase since October 2008.

To contact the reporter on this story: Abigail Moses in London at




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  • 除了金銀之外,我們還是會有些錢存在銀行之中,為了保護自己


    1. 美元荒 央行啟動 200億美元 備援 (註:這是台灣的中央央行)
    2. 存款全額保障,延長至民國99年12月31日
    3. 美國又有三家銀行關門 今年已有81家倒閉 (至2010.6.8)