On the financial crisis on the Commercial Banks _5

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On the financial crisis on the Commercial Banks

【Papers Key words Inspiration financial crisis commercial banks 【Abstract】 articles from the financial crisis, the causes of these problems, starting with financial institutions, investors, and regulatory aspects of the problems raised. Then with the status of China's commercial banks, strictly to the credit mark, enhance risk management, more forward-looking aspects of the financial crisis made commercial banks in China in China. 2007 outbreak of the subprime crisis has evolved into the 21st century, spread to the global financial crisis. The crisis not only made the U.S. economy into recession, and led to many countries in the world economy experienced cold, and even into the cold winter. The impact of this financial crisis is spreading from the investment banks to commercial banks. To date, more than 15 U.S. bank failures. One of the biggest bank is IndyMac, the bank has 320 billion in assets and deposits of 19 billion U.S. dollars, it is also bankruptcy in U.S. history, the third largest bank. U.S. financial giant Citigroup shares fell more consecutive trading days, the market value of only 210 billion, not the end of 2006 and 274 billion U.S. dollars of 1 / 10. According to IMF statistics, the global financial crisis and subprime losses will be 1.4 trillion. ICBC market value of this figure is equivalent to 7 times. One, subprime crisis because of 1, in the financial system and financial institutions, the so-called sub-prime mortgage is the point heavy debt,[link widoczny dla zalogowanych], asset credit rating at 620 points or less, Most fixed income certificate is not In the face of fierce competition, such as New Century Financial and Countryside mortgage lenders that reduce consumer access to housing credit standards, a large amount of real estate mortgage is not able to repay loans given to low and middle income buyers. Zero down payment and the emergence of the Lenders can purchase the case of no money, only declare their income without providing any proof of repayment ability. Subprime loans are generally not the principal, in the first few years just to repay the loan monthly interest only repayment of low interest rates, then interest rates will reset and adjustable rate loans in 3-7 years. From the actual interest rate perspective, most of the subprime loans on a floating rate loan interest rate that changes with changes in short-term interest rates. Commercial banks and investment banks but also through the secondary mortgage derivative securities as collateral to repay the loans in low-income home buyers to the risk of risk transfer relay to defend the crown. Most lending institutions grade credit this chain up. As these subprime loans is based on low interest rates and rising house prices based on, and since 2004, the Fed's rate hike policy, the benchmark interest rate from 1% to 5.25%, making the surge in the cost of the borrower , together with the property market began to fall, shake the whole existence and development of the subprime based, making the subprime mortgage default on the situation worsening, default rates rising. Mortgage companies have declared bankruptcy, in March 2007 the U.S. New Century Financial Corporation, as more than 8.4 billion U.S. dollars of the debt can not pay for bankruptcy protection. The first domino falls, the entire financial system crisis comes along. 2, investors the generating process of financial derivatives is complex, the average investor is not able to identify what is built based on the value, understanding of these derivative securities do not have the financial risk carried by ability. Irrational side of investors, making investors overreact when errors are found.

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