當年美國政府給銀行抒困的錢,         

將來是要還的;

上個月有90間銀行還不出錢來…

 

這次的危機異於往常:

政府在拼命抒困並印鈔票,

但是銀行的資金卻是越來越緊,

民眾也沒有富裕的感覺…

Fred很早就告訴大家說

市面上的錢正在迅速消失)

通貨緊縮的威力真的很大!

通貨緊縮什麼時候會停止?

答案是:不會!

必定要發生骨牌連鎖倒閉反應才會停下來。

 

原因是:當民眾、公司、政府全體等

的實質收入大於自己本身的債務時,

就能開始進行還債的動作;

但是還債只會讓狀況更加地惡化,

因為20%存款準備率的關係,

民眾每儲蓄$1000元,

銀行就能放貸$4000元,

可是當大家開始還清債務後,

銀行的利息收入就會遽減,

加上民眾也要靠提款度日,

銀行兩面失血,苦不堪言。

 

超過90間銀行無法按時還錢

More Than 90 Banks Miss TARP Payments

Published: Wednesday, 16 Jun 2010 | 12:36 PM ET

By: Reuters

More than 90 U.S. banks and thrifts missed making a May 17 payment to the U.S. government under its main bank bailout program, signaling a rising number of lenders are struggling to meet their obligations.

 

The SNL Financial statistics show 91 banks missed their dividend payment under the Troubled Asset Relief Program.


 

The statistics, compiled by SNL Financial from U.S. Treasury data, showed 91 banks and thrifts skipped the May dividend payment under the Troubled Asset Relief Program, or TARP. It was the first missed payment for 23 of the banks; for the others, it was at least their second miss.

The number of banks missing their TARP payments rose for the third straight quarter. In February, 74 banks deferred their payments; 55 deferred last November.

SNL Financial's analysis found 20 banks have missed four or more payments since the program began in 2008, while eight banks have missed five payments.

Under the TARP program, the U.S. Treasury invested in preferred shares issued banks looking for funds. The banks were to make regular dividend payments to the Treasury, and have the right to repurchase the shares at some point in the future.

While many of the largest U.S. banks easily repaid billions in TARP aid, more than 600 smaller banks still hold $130 billion from the program, created at the height of the financial crisis.

In some cases, small banks are renegotiating the repayment terms. Midwest Banc Holdings [MBHI  0.019     -0.001  (-5%)    ] , for example, agreed to swap $84.8 million in preferred shares issued under the TARP program in 2008 for $15.5 million in common shares. That would have meant an 80 percent loss for the government—and the U.S. taxpayer—on the initial investment. But the swap was contingent on the bank raising more private capital, which it failed to do. Regulators seized the bank in May.

The next quarterly TARP payments to the U.S. Treasury are due by August 16

原文(全)連結:

http://www.cnbc.com/id/37732312

 

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  • sharewilliam
  • 很有意思的一點就是當大家還債的速度越快,市場上流通的貨幣就消失的越快
    相對的人民就越難掙得足夠的錢來償還債務
    到最後總是會有一堆人面臨破產的命運,這是無法避免的
    除非有人願意繼續借錢,不然掙錢就會越來越難
    當債務還清之後就是貨幣消失之時
    更嚴格的說貨幣消失了債務都還沒還清(利息無中生有)
    這就是金錢遊戲,別名誰欠誰的債
    所以羅伯特才一直強調運用好債務能使你致富

    最近又看起富爸爸有錢有理這本書了
    書中自有黃金白銀屋,溫故而知新

    真想學習如何運用好債務讓自己致富阿
  • 有點糊塗了
  • 歐洲及美國的問題不就是債務一直增加,但是收入趕不上支出所造成的嗎?
    所以歐洲決定縮衣節食來避免不斷舉債透支的惡夢,健全財政!但是如樓上所說,是不是還錢反而更糟呢??但出來混總是要還的,早晚而已!相反的,美國不斷的借,不斷的印鈔,結果還是不可避免通縮發生,最重要的是它從來也不打算要還錢阿!這兩個例子現在走完全相反方向,一個不想繼續借錢要努力減少債務,一個不想還錢只想一直累積債務,現在看起來,好像不管你要不要借要不要還,結果都是一樣,都是沒用的,倒楣的都是老百姓!不過,看樣子美國是比較佔優勢的,因為政治及軍事的影響力強大,加上獨享的印鈔權,所以它的債務是可以歸類為好的債務的(因為有不用還的可能性),只要這個優勢在,短期內黃金飆漲到1500的可能性就非常低,因為別的國家會被債務壓倒,但是美國不會,只要美國是安全的,那黃金就很難獨霸,還原它的貨幣地位,這可能也是近期黃金波動如此劇烈的原因吧!
  • mike
  • 各位仔細想想,父執輩種田提供食物,而我們現在的工作真的有比父執輩的貢獻更有價值嗎?如果沒有,憑什麼享受比父執輩更好的生活?我們現在的榮景都是預約下一代的消費而來的,跟老鼠會沒什麼不同,遲早爆掉!
  • nervlee
  • 線再的榮景確實是跟未來預借而來的,所以當一切到達上限值時,就會以戰爭的形勢重新洗牌,想想全世界不到1%的人獨占97%以上的資源,這會不會太誇張,全球60%的人活在瀕臨貧窮的邊緣,10%的人活在貧窮犯罪,與死亡的威脅,但媒體卻美日報導富豪或演藝犬過著豪奢的日子,我想必須有一道機制來伸張這一切的不公平,戰爭與屠殺是方法之一