利物浦代写Assignment:金融危机

2017-08-14 10:15

对于金融危机之所以无法找到任何一个具体的原因，但是综合因素的结果收敛于尖端的规模产生重大变化。然而，对于危机的主要原因，可以说是由于次级抵押贷款在美国。简单地说，房地产价格再加上轻松贷款银行收购物业升值吸引人购买的财产，不仅为个人而投资的目的。银行贷款成创造性地汇集这些抵押贷款支持证券和变卖为衍生的其他投资者。这也被称为债务证券化。为了鼓励更多的客户从银行获得贷款，银行批准的贷款是次贷购房者。这些买家已经摇摇欲坠的金融背景，但也由银行批准。随着美国房地产泡沫的破裂，房屋价格下降，抵押贷款利率上升，最终导致拖欠付款，导致丧失抵押品赎回权和次级抵押贷款业的崩溃。这就导致一些著名的金融机构倒下，震惊了全世界。金融系统变得功能失调，这标志着金融危机的开始。到目前为止，英国和其他欧洲国家在救援和救助方案防止各主要金融机构倒闭2兆美元。这场危机的其他影响包括穷国发展较小的融资和对外援助。经济分析人士表示，进入全球反弹和2010年的恢复。
利物浦代写Assignment:金融危机
The reason for the financial crisis cannot be pinpointed to any one specific cause, but is a result of a combination of factors which converge to tip the scale to cause a major change. However, the main cause for the crisis can be said to be attributed to sub-prime mortgage lending in the US. Simply, the appreciation of property prices coupled with easy credit offered by banks on the acquisition of property attracted people to purchase property, not only for personal but for investment purposes. Banks creatively pooled these loans into mortgage-backed securities and sold them off as derivatives to other investors. This is also known as the securitization of debt.In order to encourage more customers to obtain loans from banks, the banks approved loans even to sub-prime buyers. These buyers have shaky financial background, but were also approved by the banks. With the burst of the US housing bubble, declines in real housing prices and higher mortgage rates eventually resulted in defaults in payments, leading to foreclosures and the collapse of the sub-prime mortgage industry. This then lead to the fall of several prominent financial institutions, sending shock waves around the world. The financial system became dysfunctional and this marks the commencement of a financial crisis.To date, the UK and other European countries have spent some $2 trillion on rescues and bailout packages to prevent various major financial institutions from failing. Among other effects of the crisis are lesser financing and foreign aid for development in poorer countries. The economy is said by analysts to enter into global rebound and recovery in year 2010.

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