新手求助

请高手解答一下次贷危机中美国的商业银行扮演的角色以及对危机形成的作用。
论坛新人没多少论坛币，凑和凑合吧

话说911以后美国为了刺激经济，将利息降低，因为这个因素，刺激了次级贷款的蓬勃发展。银行不顾风险，发放贷款，直到最后的泡沫爆破。

上中国知网上搜搜不就成了，文章一大片一大片的，找核心期刊的文章看看就明白了

你也太恐怖了吧,好大的一个锤子啊!这年头,"钱"不好挣啊.
我是认为,在美国,商业银行才是主人,那个美联属都是私人的,也就意味着国家跟私人借钱,那位仁兄将造币权握在了手里.
角色嘛:怂恿者,先知(他们可能早就预期到后果了,故意的).
作用:策划,推动,抄做,结束.
个人观点,抛砖引玉吧.

这个太广了，一两句是说不清楚的，网上这方面的文章是挺多的，楼主还是自己去找相关文章看吧

楼主先从了解次贷危机下手吧

OPINION: Prime cause of sub-prime crisis
Anonymous. Businessline. Chennai: May 14, 2008.  
        
                    Abstract (Summary)Washington'smisjudgement has inflicted enormous costs. It first tripped theeconomy. It then ripped the mortgage industry. But America's commercial banksare liquid and solvent. There are no Northern Rocks. Northern Rock is aBritish mortgage bank that was devastated by mortgage defaults; it wasnationalised in February 2008.
So, the commercial banksells the ten loans as an unsorted bunch to an investment bank at, say,$1,020. The investment bank's core competence lies in selling the loansas ten securities, say, at $105 per security. The interest andprincipal (the periodic mortgage obligation) paid by the ten borrowerswill then be paid to the holders of the ten securities. Securitisationrestores liquidity to the commercial bank. Moreover, the commercial bank and its depositors are not exposed to the risk of default by borrowers.
The commercial bankapplies risk-based pricing to the other five borrowers that are morelikely to default. They are perhaps more vulnerable to economicdownturns. So, it lends to these 'sub- prime' borrowers at T-bill rate plus 8 per cent. The five loans to the sub-prime borrowers are sold to the investment bank at, say, $480. The investment bank then creates five securities from the sub-prime bunch and sells each at, say, $100. The lower price reflects the higher risk

全文在附件

OPINION.doc (37 KB)

2009-10-21 20:47:32 上传