Ke kākoʻo nei ke aupuni aupuni i ka manaʻo, akā, ua palekanaʻia nā pale?
He mea maʻalahi ka manaʻo ma hope o nā paʻahao paʻa. Mālamaʻia nā paʻa i nā kahe kālā i hanaʻia mai kahi loko iʻa mālama. Kūʻai kekahi kālā i nā pūʻulu kālā, hoʻohui i nā hui, a hoʻopuka i kahi palapala i kākoʻoʻia e ke kālā mai ka hoʻokele kālā.
ʻO kēlā koina o nāʻauwai kālā, i kapaʻiaʻo "cover pool",ʻo ia he moraki aiʻole nā loina o ka lehulehu. I kēlāʻano, ua uhi nā paʻahao i nā kahe kālā no nā mea waiwai e like me keʻano likeʻole e mālamaʻia ai nā mālama waiwai.
Ua palekana anei nā Bonds Hale?
Aia kekahi mahele nui ma waena o nā pale i uhiʻia a me nā palekana ukana, e like me ka Pimco pīpī pilikino. "ʻO nā loans e kākoʻo ana i kahi paʻa i hoʻopaʻaʻia ma ka pepa palekana o kaʻae puka." A iʻole ia, e kau i ka'ōlelo Pelekane maʻamau, ināʻo kahi pūnaewele kālā e kūʻai ana i ka palapala i uhiʻia e lilo i ka banekorupa,ʻo nā mea kālā i loko o ka hale paʻahao e hoʻomau i ko lākou komoʻana i ka "loko iʻa." No laila, ināʻoe e kūʻai i kahi palapala i uhiʻia mai ka Wall Street BigWig Investment Bank a i ka wā e piʻi ai kaʻaha, e loaʻa ana paha kāu uku uku panee a loaʻa i kāu poʻo kumu i ka wā i paʻa ai ka palapala hoʻopaʻa.
ʻO nā'ōlelo'ē aʻe,ʻo ka palapala i uhiʻia he palapala paʻa o ka pilina i hāʻawiʻia e kahiʻoihana kālā akā me kahi papa hana'ē aʻe no ka mālamaʻana i nā mea waiwai.
ʻO kēlā kala hoʻomalu hou e loaʻa i nā kumukū AAA no nā pale i uhiʻia.
Ma hea e hiki ai iaʻu ke kūʻai aku i kahi pale i uhiʻia?
ʻO ka wahi maʻalahi loa e kūʻai i kahi palapala i uhiʻia ma Europa,ʻo ia ma Germany kahi i kapaʻia nā kaula i kapaʻiaʻo Pfandbriefe . Hiki keʻikeʻia nā pilina like i nā makahiki 1700 ma Kelemānia.
ʻO ka kūʻaiʻana i kēia mau loina kālā i kahi kokoke i ka home,ʻaʻole ia he maʻalahi, akā, e loli iki ana nā mea.
Ua hoʻopukaʻia nā'ahameleʻelua o nā US - Bank of America a me Washington Mutual - i nā kau i uhiʻia i ka makahiki 2006, akā ua pilikia ka hōʻai'ē kala ma mua o ka uluʻana o ka mākeke aʻo ka manaʻo o keʻano o ka palekana i kākoʻoʻoleʻia he mea kaulanaʻole i ka poʻe kālepa a me nā mea kālā. Ua hōʻikeʻo ke Kuhina Waihonaʻo Henry Paulson i ke kākoʻo no nā kaʻa hoʻokele i ka hoʻomakaʻana o ka makahiki 2008, a ma ka lā 15 o Iulai, 2008, ua hāʻawi nā Federal Insurance Deposit Insurance Corp (FDIC) i nā kulekele i ka hopena o ka paleʻana i nāʻaina. Akā,ʻaʻole i manaʻoʻia he mau pale i uhiʻia i nā makahiki heʻelima ma hope aku o ka makahiki 2013, a ke kali wale nei kāua eʻike i keʻano - a inā - e hoʻoponoponoʻia kahi luna hoʻomalu pelekikena hou iā lākou e hoʻomaka ai i 2017.
E kūʻai aneiʻoe i kahi kīnā paʻa?
E like me nā huahana'ē aʻe i hoʻopukaʻia e like me nā hōʻai'ē laikini a me nā hōʻai'ē kuhi kālā , ka paʻakikī a me ka hapa liʻiliʻi - nā palena hoʻolālā e palena i ka loaʻaʻana i ka mānaʻaelike i hoʻopaʻaʻia i nā mea waiwai a me nā mea waiwai nui. A he mea maikaʻi paha kēlā. E nānā aku nā mea kiaʻi o ka wā lōʻihi ua hele mākou i kēia ala ma mua a uaʻike mākou he hana hoʻomohala nui ka mea i hanaʻia e nā poʻe keu loa o Wall Streetʻaʻole kahi haipule palekana no ka mea, ʻo nā kānaka akamai loa i loko o ka lumi he leo leoʻole ia. .