if the reality is same as this article, then fed may have to do even further
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作者:banban (等级:6 - 驾轻就熟,发帖:2772) 发表:2007-10-25 10:24:11  楼主  关注此帖
如果我是美联储, 能说服我CUT 的理由不是老道, 而是那些仍在 顽强挣扎, 试图保住他们的房子的千千万万大众, 他们才是最需要救助的. 如果他们失去了希望,听任房屋被拍卖, 将造成严重社会后果, 那才是美联储的失职,至于老道, 随他去吧. (ZT)美国人为保住房子最后一搏 申请破产者激增 在越来越多美国屋主无力偿还房屋贷款的情况下,房贷市场的违约率节节升高,迹象显示,有越来越多的美国贷款民众为了保住房子,打算申请破产保护,做最后搏命演出。   据《华尔街日报》报导,美国破产协会的统计资料显示,由于楼市持续衰退,9月申请破产的人数与去年同月相比激增23%,总数来到6.9万人。而今年1-9月申请破产的人数亦上扬44.76%。之前楼市过热的地区,申请破产的人数急遽上扬,而允许屋主得以暂时免于银行查封的破产件数更是堆积如山。   整体而言,这一波申请破产的人数还比不上2005年。当年美国政府制定了更为严厉的申请破产标準,由此导致许多贷款民众赶在新法规正式实施前申请破产保护。   儘管如此,由于房价下滑、贷款标準提高及重新制定贷款利率,都让美国贷款民众出现不安情绪,他们每月必需支付的还款金额增加了。   在一般情况下,债务人倾向按按美国联邦破产法第7章的规定 (more...)
if the reality is same as this article, then fed may have to do even further
action in saving the US credit market. bankcrupt is the NO 1 killer of credit market, without which the banks have no where to go. then overall economy goes nowhere too.

but who spoilt the market? i think is the property developer plus the banks helping to provide easy loan. under this extreme greed, market demands have been pushed to its extreme level, and till it is burst. now, ppl seeing the side effect. at this point in time, who is suffering? surely the buyers, who is the market demand, which is the key of economy. secondly, who is burnt most? the banks definitely, but it is not suffering, as i think, at most, they are simply losing back what they earnt before. lastly, who is happy? property developer. most of them earn the bulk of gold and leave the matter to banks. but this is only the temperory pleasure, as the market demand is gone. so what do they do next? go to hell bah, at least for years to come.


ok, back to fed, or even the govenment, what did they do while the price was hiking? why don't set a price ceiling? just coz economist say price ceiling create inefficience in ecnomony?, surely this is unlikely the reality. thus, the answer is only to accompany the capitalism to exploit the buyers more. haha more they earn, more tax...happy....
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