Chinangwa Chokurarama Kuda Mabhanki
Mumakore achangopfuura, zvichienderana nematambudziko ehupfumi e2008, vatungamiri munyika yose vave vachitsvaka izvo zvinonzi izvo zvinoda kurarama zvinogadzirwa nemabhangi nemabhizimusi emarudzi akasiyana-siyana. Chirongwa chehupenyu chebhangi kana imwe sangano rezvemari rinoreva urongwa hwezvakaitika huri pashefu kana chikamu chikava chisingaiti uye chinofanira kuvharwa, kutengeswa uye / kana kuputswa.
Chimwe chezvinhu zvinowanzotaurwa-zvinokurukurwa zvimwe zveurongwa hwakadaro ndezvokuti zvinogona kudikanwa zvakajeka zvivako zvematongerwo enyika pane zvinowanzoshandiswa mazuva ano nedzimwe nyika dzakawanda dzemari kuti dzideredze mitero uye / kana kuderedza mitoro yekutonga. Kana zvakadaro, kugadzirisa matongerwo emari kuitira kuti hupenyu huve nehupenyu hunogona kuderedza zvakanyanya kubatsirwa kwavo, nokudaro vachidzivirira kukwanisa kwavo kupa zvikwereti uye zvichida zvakare, zvinonzwisisika, kuderedza simba ravo rezvemari.
Zvinoreva Kuve Nokunyatsonzwisisa Kurarama Ucha
Chimwe chisinganzwisisiki chinokanganisa ndechokuti masangano ehurumende anotanga kuratidza kuti kuvapo kwehupenyu hwakazara huchaita kuti huderere kuderera mumakambani ekambani.
Chikonzero ndechokuti, nehupenyu huripo, zvingava zviri nyore kune vatongi kuti nyika isakundikana kana inosangana nematambudziko makuru emari. Zvechokwadi, zvizhinji zvezvinangwa zvehupenyu zvinoda kupedza mamiriro emakambani emari "akawandisa kukundikana."
Nhamba yeDodd-Frank Financial Reform Bill
Dodd-Frank mari yemari yekuvandudza mari yegore ra2010 inogadza kuti makambani ebhengi ane mabhiriyoni anodarika madhora mabhiriyoni emari inofanirwa kugadzirira kurarama hupenyu uye kuaisa nevanoronga mari.
Panguva yekufamba, mabhanga anopfuura zana nemamwe makambani emari akabatwa. Mamwe makambani emari kunze kwenyika ane zvishoma zvishoma muAmerica vave vachitsvaka kuregererwa pamusana pokuti havafaniri kuonekwa zvichienderana nemutemo unobva paukuru hwepasi rose. Zvikwereti zvikwereti zvikwereti 9 muUnited States zvakafanirwa kuisa mararamiro avo ehupenyu hwaJuly 1, 2012. Aya mabhangi aisanganisira:
- JPMorgan Chase
- Citigroup
- Goldman Sachs
- Morgan Stanley
- Bank of America
- Barclays
- Deutsche Bank
- Credit Suisse
- UBS
Nhepfenyuro yemiganhu yebhange idzi inofanirwa kuwanikwa kuti iongororwe nenhengo dzevanhu vose. Pfungwa dzehupenyu huno hunosanganisira (pamusoro pe "Mabhanji Kugadzirira Kuguma," The Wall Street Journal , Gumiguru 26, 2012):
- Zvirongwa zvinofanira kuongororwa gore roga roga.
- Vatongi vanogona kukumbira kakawanda kuchinjwa.
- Zvinetso zvebhadharo zvinogona kumanikidzirwa kukwidza mari yakawanda kana kuti kudzivirira kukura.
- Iyo FDIC , mukukurukurirana neFederal Reserve, inogona kuputsa bhanhire rinotambudza.
Mabhangi maduku aitarisana nemusi wekupedzisira weChirungu waDecember 31, 2013, pakuisa zvavanoda.
Uyewo anozivikanwa se: Zvirongwa zvepamberi kana zvirongwa zvekugadzirisa mabhangi asina mari kana masangano emari.
Historical Background: If Bear Stearns kana Lehman Brothers vaiva nehupenyu huri munzvimbo vasati vanyengedzwa muna 2008, vamwe vanocherechedza vanodavira kuti mabasa avo angadai akakuvadzwa nenzira yakarongeka pasina kukonzera dambudziko rese rezvemari uye rezvematongerwo enyika iro rakatevera.
Kunyanya, kukura kwezvikwata zvezvemari zvinonzi "zvakanyanya kukura kuti zvikundikane" pasina kuisa pangozi yakawanda-yepamusoro-soro yehupfumi nehupfumi kwakatungamirira kumugumo wezvinonzi zvinoda kurarama kwezvikambani izvi sechirongwa chekutonga chakagadzirirwa kudzivisa matambudziko akadaro munguva yemberi.