Phunzirani za Zamoyo Za Mabanki

M'magwiritsidwe a tsiku ndi tsiku, zofuna za moyo zimayambira kutsogolo kwachipatala choperekedwa ndi anthu poyembekeza vuto linalake limene angakhale odwala kwambiri kapena ovulala ndipo sangathe kudziyankhula okha. Iwo amaika zikhalidwe zomwe munthu, ngati akudwala mwakuya komanso sangathe kudziyankhulira yekha, amasankha kuti asayambirenso. Amakhalanso ndi wothandizira zaumoyo, munthu yemwe ali ndi udindo wochitapo kanthu m'malo mwa munthu wosalephera yemwe wapereka chifuniro chofuna kukhala ndi moyo.

Cholinga cha Zamoyo Zamoyo kwa Mabanki

Zaka zaposachedwapa, chifukwa cha mavuto a zachuma a 2008, olamulira padziko lonse lapansi akhala akunena zofuna zokhudzana ndi moyo ndikukonzedwa ndi mabanki ndi mabungwe azachuma osiyanasiyana. Cholinga chofuna kubanki kapena mabungwe ena a zachuma chimatanthauza ndondomeko yomwe ili pa alumali ngati bungwe likanakhala losafunika ndipo liyenera kutsekedwa, kugulitsidwa ndi / kapena kusweka.

Chimodzi mwa zokambirana zomwe zimakambidwa kawirikawiri ndikuti zingakhale zosavuta kupanga makampani kusiyana ndi momwe amagwiritsiridwa ntchito masiku ano ndi mabungwe akuluakulu a zachuma kuti asachepetse misonkho komanso / kapena kuchepetsa zolemetsa. Ngati ndi choncho, kubwezeretsa mabungwe a zachuma kuti athetse moyo wawo, kungachepetse phindu lawo, motero kumachepetsa kuthekera kwawo kupereka ngongole komanso mwina, kuchepetsa mphamvu zawo zachuma.

Zotsatira za Kukhala ndi Zambiri Zamoyo

Chinthu china chodabwitsa ndi chakuti mabungwe oyendetsera ntchito ayamba kusonyeza kuti kukhala ndi moyo wotsatanetsatane kungakakamize kuchepetsa ndalama pa kampani.

Chifukwa chake n'chakuti, pokhala ndi moyo wamoyo, zingakhale zophweka kwa olamulira kuti bungwe lilephereke ngati likukumana ndi mavuto aakulu azachuma. Zoonadi, zambiri mwazofuna zokhuza moyo ndi kuchepetsa chiwerengero cha makampani azachuma omwe "ndi aakulu kwambiri."

Ndime ya Bill Dodd-Frank Financial Reform Bill

Ndalama ya Dodd-Frank yokonzanso zachuma mu 2010 imati makampani ogulitsa mabanki omwe ali ndi ndalama zoposa $ 50 biliyoni ayenera kukonzekera kukwaniritsa zofuna zawo ndikuziika ndi olamulira ndalama.

Panthawiyi, mabanki oposa 100 ndi mabungwe ena azachuma adakhudzidwa. Makampani ambiri azachuma omwe ali ndi zochepa zochepa ku America akhala akufunafuna chifukwa choti sayenera kukhala ovomerezeka ndi lamulo malinga ndi kukula kwa dziko lonse. Mabungwe 9 akuluakulu a mabanki ku United States adayenera kupereka zofunika pa moyo wawo pa July 1, 2012. Mabankiwa analipo:

• JPMorgan Chase
• Citigroup
• Goldman Sachs
• Morgan Stanley
• Bank of America
• Barclays
• Deutsche Bank
• Credit Suisse
• UBS

Zowonjezereka za mapulani a mabanki awa ayenera kukhalapo kuti ayang'ane ndi anthu onse. Mfundo zazikuluzikulu za zofuna za moyozi zikuphatikizapo (pa "Banks Lokonzekera Mapeto," Wall Street Journal , June 26, 2012):

• Zolinga ziyenera kusinthidwa pachaka.
• Olamulira akhoza kufunsa zochitika zambiri.
• Mabanki ovutitsidwa akhoza kukakamizidwa kukweza malipiro ena kapena kuchepetsa kukula.
• The FDIC , pokambirana ndi Federal Reserve, akhoza kuthetsa banki wovuta.

Mabanki ang'onoang'ono adakhala ndi nthawi yomaliza yolemba pa December 31, 2013, posonyeza zofuna zawo.

Zomwe Zikudziwika: Mapulani okhudzidwa kapena mapulani a mabanki osungidwa kapena mabungwe azachuma.

Mbiri Yakale: Ngati Ste Bears kapena Lehman Brothers anali ndi zida zamoyo asanayambe kusandulika m'chaka cha 2008, ena owona amakhulupirira kuti ntchito zawo zikanatha kuwonongeka mwadongosolo popanda kusokoneza mavuto a zachuma, azachuma ndi azachuma padziko lonse, m'malo mwake.

Makamaka, kukula kwa mabungwe azachuma omwe amawoneka kuti "aakulu kwambiri kulephereka" popanda kuika phindu lalikulu lachuma ndi zachuma kwachititsa kuti pakhale lingaliro la zomwe zimatchedwa zofuna zamoyo kwa makampani awa monga njira yowonetsera yokonzedwera kupeŵa mavuto oterowo mtsogolomu.