看了诺贝尔经济学奖得主的blog后, 似乎明白了信贷危机的问题, 房地产崩盘的问题.
下面是一段直白的解释:
Banks (broadly defined to include investment banks and the many other lenders) borrow--bank deposits, for example, are loans to banks--and then lend out what they have borrowed. As a result, their loans are much larger than their capital assets (cash, a building, etc.). If their capital shrinks in value, they have less protection against the possibility that the loans they make will not be repaid in full. If a bank's capital is 10, and it borrows 100 and lends 100, and the persons or firms it lends to return only 90, its net worth will fall to zero (10 [its capital] + 90 [the value of its loans] - 100 [the amount it owes its depositors] = 0.
从银行贷款的大部分人需要进行抵押, 抵押品如果是房屋, 那么房地产崩盘实际导致了银行资产的缩水. 例如:
银行有10块的资本. A君存入银行100. 银行贷款给B君100块, B君将房子抵押给银行. 后来B君只还了50给银行. 而由于房地产崩盘. 原先用于交换100块贷款的房子只值40快了. 那么银行依然欠A君100元, 自己的资产是10 + 50(B君还贷) + 抵押物(40).
That's right, A君一取现就出问题了...银行资产变成0了...
这是一部分解释, 下面文章有更详细的分析, 对于证券我不太懂@_@
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