Morero oa Takatso e Phelang Bakaleng
Lilemong tsa morao tjena, ka lebaka la mathata a lichelete a 2008, batsamaisi ba lefats'e ka bophara ba 'nile ba batla seo ho thoeng ke merero ea bophelo e tla thehoa ke libanka le mekhatlo ea lichelete tsa mefuta e sa tšoaneng. Sebaka se phelang bakeng sa banka kapa setsi se seng sa lichelete se bolela morero oa maemo a sehlahlo haeba ho e-na le mokhatlo o kenyeletsang 'me o lokela ho koaloa, o rekisoe le / kapa o robehe.
E 'ngoe ea tse atisang ho buisanoa hangata ea moralo o joalo ke hore o ka hloka mekhoa e metle ea likhoebo ho feta kamoo e sebelisoang kajeno ke mekhatlo e meholo ea lichelete ea lichaba tse fapaneng ho fokotsa lekhetho le / kapa ho fokotsa moroalo oa taolo. Haeba ho joalo, ho tsosolosa mekhatlo ea lichelete ho ntlafatsa boikemisetso bo phelang ho ka fokotsa phaello ea bona ka ho teba, kahoo ho thibela bokhoni ba bona ba ho fana ka mokitlane le mohlomong, hape, ho fokotsa matla a bona a lichelete.
Tlhaloso ea ho ba le Bophelo bo Botle ka ho Fetisisa
Ntho e 'ngoe e makatsang ke hore mekhatlo ea phaello e qalile ho bontša hore boteng ba bophelo bo hlakileng bo ka' na ba qobella ho fokotsa tekanyo ea tekanyo ea k'hamphani.
Lebaka ke hore, ka boikemisetso bo phelang, ho ka 'na ha e-ba bonolo ho balaoli ho lumella setheo hore se hlōlehe haeba se kena mathateng a matla a lichelete. Ha e le hantle, boholo ba merero ea ho phela ke ho fokotsa liketsahalo tsa lik'hamphani tsa lichelete "tse kholo haholo ho hlōleha."
Pale ea Bill ea Dodd-Frank Financial Reform
Molao oa phetoho oa lichelete oa Dodd-Frank oa 2010 o laela hore lik'hamphani tse nang le lichelete tse fetang liranta tse limilione tse likete tse limilione tse likete li lokela ho itokiselitse ho etsa litokisetso tsa bophelo le ho li fa lichelete tsa lichelete
Nakong ea litemana, libanka tse fetang 100 le likhoebo tse ling tsa lichelete li ile tsa ameha. Likhoebo tse 'maloa tsa lichelete tse tsoang linaheng tse ling tse nang le maoto a seng makae Amerika li' nile tsa batla ho lokolloa ka lebaka la hore ha lia lokela ho nkoa e le ho latela molao o thehiloeng boholo ba bona ba lefatše. Litsi tsa banka tse kholo ka ho fetisisa United States li ne li lokela ho fana ka litlhoko tsa bona tsa bophelo ka la 1 July, 2012. Libanka tsena li kenyeletsa:
- JPMorgan Chase
- Citigroup
- Goldman Sachs
- Morgan Stanley
- Bank of America
- Barclays
- Deutsche Bank
- Credit Suisse
- UBS
Litlhaloso tsa merero ea libanka tsena li lokela ho ba teng bakeng sa ho hlahlojoa ke litho tsa sechaba ka kakaretso. Lintlha tsa bohlokoa tsa litakatso tsena tse phelang li kenyelletsa (ka "Banks ho Lokisetsa Bofelo," The Wall Street Journal , la 26 June, 2012):
- Merero e tlameha ho ntlafatsoa selemo le selemo.
- Batsamaisi ba ka batla phetoho e ngata khafetsa.
- Likhoebo tse tsietsing li ka qobelloa ho phahamisa chelete e kholo kapa ho thibela kholo.
- The FDIC , ka ho buisana le Federal Reserve, e ka senya banka e nang le mathata.
Libaka tse nyenyane li ne li e-na le nako ea ho qetela ea ho qetela ka la 31 December, 2013, bakeng sa ho ipeha tlasa litakatso tsa bona tsa bophelo.
E boetse e tsejoa e le: merero ea boipheliso kapa merero ea boipheliso bakeng sa libanka tse sa khonehang kapa mekhatlo ea lichelete.
Tlaleho ea histori: Haeba Bear Bear kapa Lehman Brothers ba ne ba e-na le litakatso tsa bophelo pele ba e-ba insolvent ka 2008, ba bang ba bona ba lumela hore mesebetsi ea bona e ka be e feretsoe ka tsela e hlophisehileng ntle le ho thibela mathata a lefats'e le a moruo a lefats'e ka bophara.
Ka ho khetheha, kholo ea mekhatlo ea lichelete e nkoang "e kholo haholo hore e hlōlehe" ntle le kotsing ea ho oa ha lichelete le moruo e pharaletseng e lebisitse khopolo ea seo ho thoeng ke sepheo sa bophelo bakeng sa mekhatlo ena e le mohato oa tsamaiso o etselitsoeng ho qoba mathata a joalo nakong e tlang.