He aha nāʻano likeʻole o nā Bane?
ʻAʻole pahaʻoe i lohe i kēia mau kapaʻaina, akā, hiki i kēlā me kēia kula ke hoʻokani i kekahi ma kou mau lā. Hoʻohilahiʻaʻia nāʻauwai'ē aʻe ma nā wahi likeʻole, he mea maʻalahi - makemakeʻoe i kāu kāleka'āina e waiho i nā mea a pau e hiki iā lākou ke lawelawe iāʻoe a me kou kaiāulu (a hiki i nā pūnaewele ke hana i kā lākou mea me kaʻole o ka mana o nā lālāʻoi aku).
Nāʻano Banks
Ke heluʻia nei kekahi o nā pūnāwai maʻamau i lalo, akā,ʻaʻole iʻoki mauʻia nā laina mahele. Ke hana nei kekahi mau moku i nā wahi he nui (e like paha, hiki i kahi pēke ke hāʻawi i nā moʻolelo pilikino, nāʻoihanaʻoihana, a me ke kōkuaʻana i nāʻoihana nui e hoʻonui i ke kālā ma nāʻeke kālā).
- ʻO nā peʻa kūʻai liʻiliʻi paha nā kaha āu iʻike loa ai: Ke mālamaʻia nei kāu kope a me nā waihona mālama waiwai ma ke kāleka kūʻai , e nānā ana i nā mea kūʻai (a iʻole ka lehulehu) i mea kūʻai. Ke hāʻawi nei kēia mau kāleka iāʻoe i nā kāleka kāleka, hāʻawi i nā loans, aʻo lākou nā mea me nā lālāʻoi aku o nā lālā i nā wahi nui.
- Kūkaʻi nā'auke kūʻai kālā i nā mea kūʻaiʻoihana. Pono nāʻoihana e nānā i nā kālā e like me ka hanaʻana o nā kānaka. Eia naʻe lākou e pono ai i nā lawelaweʻoihana, aʻo ka helu kālā (aiʻole ka helu o nā hana) hiki ke nui aku. Pono paha lākou eʻae i nā hōʻai'ē mai ka poʻe kūʻai aku, e hilinaʻi nui i nā laina o ka hōʻai'ē no ka mālamaʻana i ke kālā kālā, a hiki paha iā lākou ke hoʻohana i nā leka kālepa no kaʻoihanaʻoihana o nā'āina'ē.
- Kūkulu nā kākoʻo kālā i nāʻoihana e hana i nāʻele kālā. Inā makemake kahiʻoihana e hele i ka lehulehu a iʻole kūʻai i ka hōʻai'ē i ka poʻe kālā kālā, e hoʻohana pinepine lākou i kahi pēlā hoʻokomo kālā .
- Na nā Central central e hoʻoponopono i ka pūnaewele kālā no ke aupuni. Eia kekahi laʻana,ʻo ka Federal Bank Bank ka US Central Bank ke kuleana e mālama i kaʻoihana waiwai a mālama i nāʻaukā.
- ʻO nāʻeke kālā i likeʻole me nā kālepa, akā,ʻaʻole lākou e hoʻokomoʻia e ka poʻe kūʻai (ʻo ka hapa nui o nā waihona waiwai). Hoʻokaʻaʻike nā uniona loloa i nā huahana a me nā lawelawe iʻoi aʻe a emiʻole paha i keʻano likeʻole i nā kūleke kūʻai kūʻai a me nāʻoihana kūʻai. ʻO ka mea nui loa,ʻo ia nā lālā o kaʻahahui e hoʻokaʻawale i kekahi mau mea like (kahi e noho ai lākou, kā lākouʻoihana, a hui paha a lākou e pili nei, e like paha).
- Ke hoʻohana pono nei nā pūnaewele pūnaewele ma'ōnaewele -ʻaʻohe lālā lālā o ka lālā e hiki ai ke kipa aku me kahi mea kālepa a mea hoʻopuka pono'ī paha. Hoʻolako pū kekahi mau pūnaewele brick-mortar i nā lawelawe pūnaewele, e like me ka hiki ke nānā i nāʻike a me ka ukuʻana i nā bila ma ka pūnaewele , akā heʻole nā waihona o ke kelepona: ke hāʻawi pinepine nei lākou i nā uku hoʻokūkū i nā waihona mālama kālā a hiki paha iā lākou ke hāʻawi aku me ka nānāʻole .
- Nā pūleka Mutual ua like like lākou me nā uniona kālā no ka mea,ʻo nā mea i hoʻohuiʻia e nā lālā (a mea kūʻai paha) ma kahi o nā mea'ē aʻe.
- ʻAʻole i emi iki nā hoʻolaha a me nā ukana ma mua o ka wā i hoʻohanaʻia ai, akā he mau mea nui nō naʻe ia. He mea nui kēiaʻano pēlā i ka hoʻokomoʻana i ka nohoʻana o ka home, me ka hoʻohanaʻana i nā waihona mai ka poʻe kūʻai aku e hāʻawi kālā kālā. ʻO ke kumukūʻai a me ka hōʻai'ē ka inoa e pili ana i ka hana nui a lākou e hana ai: e lawe i ka mālama kālā mai kahi mea kūʻai a hāʻawi i nā loans i kekahi.
Nā Kū'ē Kū'ēʻole
ʻO nā mea'ai'ē kīnāʻole he mau waihona waiwai kaulana no nā loans. ʻO ke kumuhana,ʻaʻole lākou he kāpili, akāʻo kāuʻike ma keʻano he mea noi mai paha he like: e noi anaʻoe no kahi hōʻai'ē a uku aku me he mea lā e hana anaʻoe me kahi'auke.
Ke kūleʻa nei kēia mau keʻena i ka hāʻawi kālāʻana, aʻaʻole lākou e pili i nā hana a me nā loina'ē aʻe e pili ana i nā'auwaʻa kahiko. I kekahi manawa iʻikeʻia he mau mea kūʻai kālā, e loaʻa ana nā kālā kālā mai nā mea waiwai kālā (nā mea hoʻolale kālā a me nā hui nui).
No ka poʻe kūʻai mea kūʻai no ke kālā kālā,ʻawaʻawa pinepine nā mea hāʻawi kālā -ʻaʻole hiki iā lākou ke hoʻohana i nā papa hoʻohālike'ē aʻe ma mua o nā kālai'āina kahiko, a he mau hoʻokūkū ka nui .
ʻO Bank Changes Mai ka pilikia kālā
ʻO ka hōʻeha kālā o ka makahiki 2008 hoʻololi hou i ke ao kālā. Ma mua o ka pilikia, uaʻoliʻoli nā kālepa i nā manawa maikaʻi, akā ua hoʻi mai nā moa i ka home.
Hāʻawi kālā nā Bank i nā mea'ai'ē i hikiʻole ke uku a hoʻihoʻi aku me ia no ka piʻiʻana o nā kumukūʻai home (ma waena o nā mea'ē aʻe). Hoʻoikaika nui lākou i ka hoʻokomoʻana i ka waiwai, akā, ua lilo ka hopena i mea kū i ka wā o ka Hoʻolālā Nui.
Nā hoʻoponopono hou: Ua hoʻololi ke kānāwai Dodd-Frank i nā mea nui ma o ka hoʻonuiʻana i nā loli i nā hoʻoponopono kālā. Ke kūʻaiʻia nei nā'auke kūʻai kūʻai me nā mea kūʻai'ē aʻe - ua hoʻoponoponoʻia e kahi kiaʻi hou hou:ʻo ka Pūnaewele Kalaiwaiwai Kūʻai (CFPB). Hāʻawi kēiaʻokoʻa i nā mea kūʻai i kahi kikowaena e hoʻokipa i nā hoʻopiʻi, e aʻo e pili ana i nā pono, a me ke kōkua. Eia kekahi,ʻo ka Volcker Rule ke hana nei i nā'auleʻa kālepa e like me kā lākou i hana ai ma mua o ka pūpū hale - lawe lākou i nā waihona mai ka poʻe kūʻai aku a kālepa i nā kuʻuna, a he mau palena e like me keʻano o nā kālepa kālepa maʻamau e hiki ke komo i loko.
Ka Hoʻohui: He mau mīkili he emi loa - ke waiho aku nei i nāʻauwai hoʻolālā - mai ka pilikia kālā. Ua hāʻule nā poʻomanaʻo hōkele waiwai nui (Lehman Brothers a me Bear Stearns) aʻo nā mea'ē aʻe i hoʻohui hou iā lākou iho. Hōʻike ka FDIC e 414 mau paʻakikī bank i waena o 2008 a 2011, i ka hoʻohālikeʻana iʻekolu i ka 2007 a zero i ka makahiki 2006. Ma ka nui o nā hihia, ua kāʻiliʻia kahi pēlā lapuwale e kahi'ē aʻe (aʻaʻole pilikia nā mea kūʻai i ka wā a lākou e noho nei i lalo Nā palena palena pili FDIC). ʻO ka hopena, ua hoʻonāʻia nā kapa nāwaliwali e nā koleke nui, aʻaʻoleʻoe i nā inoa he nui e koho mai.