Falimentul creditului cu buletinul in SUA
Duminica, 13 Iulie 2008, ora 23:52
DefSemiHidden="true" DefQFormat="false" DefPriority="99" LatentStyleCount="267"> UnhideWhenUsed="false" QFormat="true" Name="Normal"/> UnhideWhenUsed="false" QFormat="true" Name="heading 1"/> UnhideWhenUsed="false" QFormat="true" Name="Title"/> UnhideWhenUsed="false" QFormat="true" Name="Subtitle"/> UnhideWhenUsed="false" QFormat="true" Name="Strong"/> UnhideWhenUsed="false" QFormat="true" Name="Emphasis"/> UnhideWhenUsed="false" Name="Table Grid"/> UnhideWhenUsed="false" QFormat="true" Name="No Spacing"/> UnhideWhenUsed="false" Name="Light Shading"/> UnhideWhenUsed="false" Name="Light List"/> UnhideWhenUsed="false" Name="Light Grid"/> UnhideWhenUsed="false" Name="Medium Shading 1"/> UnhideWhenUsed="false" Name="Medium Shading 2"/> UnhideWhenUsed="false" Name="Medium List 1"/> UnhideWhenUsed="false" Name="Medium List 2"/> UnhideWhenUsed="false" Name="Medium Grid 1"/> UnhideWhenUsed="false" Name="Medium Grid 2"/> UnhideWhenUsed="false" Name="Medium Grid 3"/> UnhideWhenUsed="false" Name="Dark List"/> UnhideWhenUsed="false" Name="Colorful Shading"/> UnhideWhenUsed="false" Name="Colorful List"/> UnhideWhenUsed="false" Name="Colorful Grid"/> UnhideWhenUsed="false" Name="Light Shading Accent 1"/> UnhideWhenUsed="false" Name="Light List Accent 1"/> UnhideWhenUsed="false" Name="Light Grid Accent 1"/> UnhideWhenUsed="false" Name="Medium Shading 1 Accent 1"/> UnhideWhenUsed="false" Name="Medium Shading 2 Accent 1"/> UnhideWhenUsed="false" Name="Medium List 1 Accent 1"/> UnhideWhenUsed="false" QFormat="true" Name="List Paragraph"/> UnhideWhenUsed="false" QFormat="true" Name="Quote"/> UnhideWhenUsed="false" QFormat="true" Name="Intense Quote"/> UnhideWhenUsed="false" Name="Medium List 2 Accent 1"/> UnhideWhenUsed="false" Name="Medium Grid 1 Accent 1"/> UnhideWhenUsed="false" Name="Medium Grid 2 Accent 1"/> UnhideWhenUsed="false" Name="Medium Grid 3 Accent 1"/> UnhideWhenUsed="false" Name="Dark List Accent 1"/> UnhideWhenUsed="false" Name="Colorful Shading Accent 1"/> UnhideWhenUsed="false" Name="Colorful List Accent 1"/> UnhideWhenUsed="false" Name="Colorful Grid Accent 1"/> UnhideWhenUsed="false" Name="Light Shading Accent 2"/> UnhideWhenUsed="false" Name="Light List Accent 2"/> UnhideWhenUsed="false" Name="Light Grid Accent 2"/> UnhideWhenUsed="false" Name="Medium Shading 1 Accent 2"/> UnhideWhenUsed="false" Name="Medium Shading 2 Accent 2"/> UnhideWhenUsed="false" Name="Medium List 1 Accent 2"/> UnhideWhenUsed="false" Name="Medium List 2 Accent 2"/> UnhideWhenUsed="false" Name="Medium Grid 1 Accent 2"/> UnhideWhenUsed="false" Name="Medium Grid 2 Accent 2"/> UnhideWhenUsed="false" Name="Medium Grid 3 Accent 2"/> UnhideWhenUsed="false" Name="Dark List Accent 2"/> UnhideWhenUsed="false" Name="Colorful Shading Accent 2"/> UnhideWhenUsed="false" Name="Colorful List Accent 2"/> UnhideWhenUsed="false" Name="Colorful Grid Accent 2"/> UnhideWhenUsed="false" Name="Light Shading Accent 3"/> UnhideWhenUsed="false" Name="Light List Accent 3"/> UnhideWhenUsed="false" Name="Light Grid Accent 3"/> UnhideWhenUsed="false" Name="Medium Shading 1 Accent 3"/> UnhideWhenUsed="false" Name="Medium Shading 2 Accent 3"/> UnhideWhenUsed="false" Name="Medium List 1 Accent 3"/> UnhideWhenUsed="false" Name="Medium List 2 Accent 3"/> UnhideWhenUsed="false" Name="Medium Grid 1 Accent 3"/> UnhideWhenUsed="false" Name="Medium Grid 2 Accent 3"/> UnhideWhenUsed="false" Name="Medium Grid 3 Accent 3"/> UnhideWhenUsed="false" Name="Dark List Accent 3"/> UnhideWhenUsed="false" Name="Colorful Shading Accent 3"/> UnhideWhenUsed="false" Name="Colorful List Accent 3"/> UnhideWhenUsed="false" Name="Colorful Grid Accent 3"/> UnhideWhenUsed="false" Name="Light Shading Accent 4"/> UnhideWhenUsed="false" Name="Light List Accent 4"/> UnhideWhenUsed="false" Name="Light Grid Accent 4"/> UnhideWhenUsed="false" Name="Medium Shading 1 Accent 4"/> UnhideWhenUsed="false" Name="Medium Shading 2 Accent 4"/> UnhideWhenUsed="false" Name="Medium List 1 Accent 4"/> UnhideWhenUsed="false" Name="Medium List 2 Accent 4"/> UnhideWhenUsed="false" Name="Medium Grid 1 Accent 4"/> UnhideWhenUsed="false" Name="Medium Grid 2 Accent 4"/> UnhideWhenUsed="false" Name="Medium Grid 3 Accent 4"/> UnhideWhenUsed="false" Name="Dark List Accent 4"/> UnhideWhenUsed="false" Name="Colorful Shading Accent 4"/> UnhideWhenUsed="false" Name="Colorful List Accent 4"/> UnhideWhenUsed="false" Name="Colorful Grid Accent 4"/> UnhideWhenUsed="false" Name="Light Shading Accent 5"/> UnhideWhenUsed="false" Name="Light List Accent 5"/> UnhideWhenUsed="false" Name="Light Grid Accent 5"/> UnhideWhenUsed="false" Name="Medium Shading 1 Accent 5"/> UnhideWhenUsed="false" Name="Medium Shading 2 Accent 5"/> UnhideWhenUsed="false" Name="Medium List 1 Accent 5"/> UnhideWhenUsed="false" Name="Medium List 2 Accent 5"/> UnhideWhenUsed="false" Name="Medium Grid 1 Accent 5"/> UnhideWhenUsed="false" Name="Medium Grid 2 Accent 5"/> UnhideWhenUsed="false" Name="Medium Grid 3 Accent 5"/> UnhideWhenUsed="false" Name="Dark List Accent 5"/> UnhideWhenUsed="false" Name="Colorful Shading Accent 5"/> UnhideWhenUsed="false" Name="Colorful List Accent 5"/> UnhideWhenUsed="false" Name="Colorful Grid Accent 5"/> UnhideWhenUsed="false" Name="Light Shading Accent 6"/> UnhideWhenUsed="false" Name="Light List Accent 6"/> UnhideWhenUsed="false" Name="Light Grid Accent 6"/> UnhideWhenUsed="false" Name="Medium Shading 1 Accent 6"/> UnhideWhenUsed="false" Name="Medium Shading 2 Accent 6"/> UnhideWhenUsed="false" Name="Medium List 1 Accent 6"/> UnhideWhenUsed="false" Name="Medium List 2 Accent 6"/> UnhideWhenUsed="false" Name="Medium Grid 1 Accent 6"/> UnhideWhenUsed="false" Name="Medium Grid 2 Accent 6"/> UnhideWhenUsed="false" Name="Medium Grid 3 Accent 6"/> UnhideWhenUsed="false" Name="Dark List Accent 6"/> UnhideWhenUsed="false" Name="Colorful Shading Accent 6"/> UnhideWhenUsed="false" Name="Colorful List Accent 6"/> UnhideWhenUsed="false" Name="Colorful Grid Accent 6"/> UnhideWhenUsed="false" QFormat="true" Name="Subtle Emphasis"/> UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"/> UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference"/> UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"/> UnhideWhenUsed="false" QFormat="true" Name="Book Title"/>
/* Font Definitions */
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;
mso-font-charset:0;
mso-generic-font-family:roman;
mso-font-pitch:variable;
mso-font-signature:-1610611985 1107304683 0 0 159 0;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;
mso-font-charset:0;
mso-generic-font-family:swiss;
mso-font-pitch:variable;
mso-font-signature:-1610611985 1073750139 0 0 159 0;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{mso-style-unhide:no;
mso-style-qformat:yes;
mso-style-parent:"";
margin-top:0in;
margin-right:0in;
margin-bottom:10.0pt;
margin-left:0in;
line-height:115%;
mso-pagination:widow-orphan;
font-size:11.0pt;
font-family:"Calibri","sans-serif";
mso-ascii-font-family:Calibri;
mso-ascii-theme-font:minor-latin;
mso-fareast-font-family:Calibri;
mso-fareast-theme-font:minor-latin;
mso-hansi-font-family:Calibri;
mso-hansi-theme-font:minor-latin;
mso-bidi-font-family:"Times New Roman";
mso-bidi-theme-font:minor-bidi;
mso-ansi-language:RO;}
p.MsoNoSpacing, li.MsoNoSpacing, div.MsoNoSpacing
{mso-style-priority:1;
mso-style-unhide:no;
mso-style-qformat:yes;
mso-style-parent:"";
margin:0in;
margin-bottom:.0001pt;
mso-pagination:widow-orphan;
font-size:11.0pt;
font-family:"Calibri","sans-serif";
mso-ascii-font-family:Calibri;
mso-ascii-theme-font:minor-latin;
mso-fareast-font-family:Calibri;
mso-fareast-theme-font:minor-latin;
mso-hansi-font-family:Calibri;
mso-hansi-theme-font:minor-latin;
mso-bidi-font-family:"Times New Roman";
mso-bidi-theme-font:minor-bidi;
mso-ansi-language:RO;}
.MsoChpDefault
{mso-style-type:export-only;
mso-default-props:yes;
mso-ascii-font-family:Calibri;
mso-ascii-theme-font:minor-latin;
mso-fareast-font-family:Calibri;
mso-fareast-theme-font:minor-latin;
mso-hansi-font-family:Calibri;
mso-hansi-theme-font:minor-latin;
mso-bidi-font-family:"Times New Roman";
mso-bidi-theme-font:minor-bidi;}
.MsoPapDefault
{mso-style-type:export-only;
margin-bottom:10.0pt;
line-height:115%;}
@page Section1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;
mso-header-margin:.5in;
mso-footer-margin:.5in;
mso-paper-source:0;}
div.Section1
{page:Section1;}
-->
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Table Normal";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
mso-style-priority:99;
mso-style-qformat:yes;
mso-style-parent:"";
mso-padding-alt:0in 5.4pt 0in 5.4pt;
mso-para-margin-top:0in;
mso-para-margin-right:0in;
mso-para-margin-bottom:10.0pt;
mso-para-margin-left:0in;
line-height:115%;
mso-pagination:widow-orphan;
font-size:11.0pt;
font-family:"Calibri","sans-serif";
mso-ascii-font-family:Calibri;
mso-ascii-theme-font:minor-latin;
mso-hansi-font-family:Calibri;
mso-hansi-theme-font:minor-latin;}
Pentru situatia creata, autoritatile il
acuza pe senatorul american Charles Schumer, care a generat o „criza de
lichiditati“, dupa ce s-a declarat ingrijorat in privinta bancii si a vorbit
despre posibilitatea falimentului. Banca se afla in aceasta situatie delicata
din cauza nivelului ridicat de risc pe care il are, deoarece aproba credite de
tip A1, adica fara documente care sa dovedeasca veniturile persoanelor imprumutate.
Este abia inceputul
IndyMac este una dintre cele mai mari
institutii de credit din SUA, cu active de aproximativ 32 de miliarde de
dolari. Ea continua lista falimentelor rasunatoare: Continental Illinois
National Bank & Trust Co, esuata din 1984, si American Savings & Asociatia
de Credite din Stockton, din 1988. „IndyMac este precursorul altor probleme
care sunt pe cale sa apara“, a afirmat Christopher Whalen, directorul executiv
al companiei californiene de cercetare de piata Institutional Risk Analytics.
„Nu este suprinzator sa vedem banca IndyMac
in faliment. Insa trebuie sa ne intrebam ce institutie va urma. Va fi un val de
institutii de dimensiuni medii si mari“, a precizat analistul citat. IndyMac inregistreaza
pierderi de aproape 900 de milioane de dolari din cauza scaderii preturilor
caselor. Valoarea actiunilor sale a scazut cu 87% in 2007 si cu 95% de la inceputul
acestui an. Corporatia Federala pentru Asigurarea Depozitelor Bancare (Federal
Deposit Insurance Corporation, FDIC) intentioneaza sa vanda banca intr-un
termen de 90 de zile, de preferat ca o singura entitate. In caz ca nu se va reusi
acest lucru, autoritatile sunt gata sa vanda banca pe bucati.
Sursa: Business24