Kubatsira Kwaro Kwakaita Ita Great Recession
Vaidawo kudzivirira makambani nevamwe vanhu kubva pakamanikidzwa kupinda mubhadhadzi nevanokwereta. Zvaiwanzoitika kuburikidza nechikumbiro chekushungurudzika kusingabatsiri .
Pane zvipo zvitatu zvekushungurudzika. Kutanga, avo vari mune chikwereti vanogona kubvisa basa rekuunganidza mari. Chechipiri, vanogona kunge vane zvikwereti zvisingaverengeki zvakangonyorwa. Chechitatu, vanogona kuwana chikwereti chavo chichigadziriswa uye chikwereti chezvikwereti chinoderedzwa pamatarenda akachengetedzwa.
Vatongi vezvematongerwo enyika vaishushikana nokuti kubhadharwa kwemunhu mumwe nomumwe kwakange kwabuda kubva mamiriyoni matatu muna 1999 kusvika ku6.6 mamiriyoni muna 2003. Kukanganisa kwebhizimisi, kune rumwe rutivi, kwakaramba kuri 38,000 pagore.
Mutungamiri Bush akaisa mutemo uyu mutemo musi waApril 20, 2005. Waida kuti vateresi varatidze kuti kwakanga kusina kukodzera kusina kubhadhara. Vanofanirawo kuratidza kuti vakanga vasingakwanisi kubhadhara, uye vakanga vaita zvakanaka-kutenda kwekugadzirisa chinetso chekwereti.
Kuchinja kunokakavadzana kwaive "nzira yekuongorora." Yakaenzanisa nheyo dzevakweretesa kune mari yezvematongerwo enyika. Kana yakange yakakwirira, vatokwereti vakanga vasingabvumirwi kuzivisa kubhadhara. Vaifungidzirwa kuti vakashanda mu "kutenda kwakaipa." Izvozvo zvaingove zvisiyiwa kana vakaratidza zvakanyanya mamiriro ezvinhu chaiwo.
Maitiro eBanruptruptcy Act akabatsira sei Kubwinya Kukurukurirana
Mumwe mushumo weNational Bureau of Economic Research akati Bankruptcy Prevention Act ingadai yakabatsira kubhadhara subprime mortgage crisis uye iyo inotevera Great Recession . Sei? Mutemo wakaita kuti zvive zvakaoma kuzivisa kubhadhara. Izvi zvisati zvaitika, vagari vomumba vanogona kuparidzira kubhadhara pazvikwereti zvavo pachavo, vachidzikinura mari yekubhadhara mari dzavo uye kuchengetedza dzimba dzavo.
Nekubhadhara rakarongwa kunze, vimba vedzimba vaivimba pamusha wavo kuenzana kubhadhara zvikwereti.
Chokutanga, vagari vemusha vakamanikidzwa kutora misha kunze kwemisha yavo kuti vadzorere chikwereti chavo. Mutemo usati wapera, imba yacho yakachengetedzwa kubva kune vane chikwereti, kunyange pasi pekubhadhara. Varidzi vepamba vanogona kuzivisa kubhadhara pamusana pekwereti yavo, vachidzikinura mari yekubhadhara zvikwereti zvavo uye kuchengetedza dzimba dzavo. Mushure meMutemo, vanhu vakava vakanyanyisa kubhadhara zvikwereti. Mortgage yakasununguka yakawedzera 14 muzana. Mukuwedzera, mamwe mamiriyoni 200 000 akarasikirwa nemisha yavo, gore negore mushure mokunge Mutemo wapfuura.
Chechipiri, vanhu vakava varanda nemari yekutarisira utano . Iyo Bush administration yakabvuma kune chikumbiro chemabhengi akati vashandi vakanga vachishandisa zvisina kufanira kubhadhara kuti vangorega kubhadhara mabhiriro avo. Asi mari yezvechiremba yakagadzira mari yakawanda . Apo Mutemo wakadzivisa kuparara, avo vane zvirwere zvisingaperi vakamanikidzwa kubvisa zvose zvavo zvekubhadhara mabhiriro avo ezvehutano.
Icho chinotsigirwa nedata rekare. Mwedzi mitatu isati yaitwa Mutemo, pakange pane 667.431 kubhadhara (Q4 2005). Izvi zvakaderera kusvika 1167777 yekutanga yegore ra2006. Yaiva 155833 chete muchikamu chechipiri.
Pasinei nemutemo, 2008 Crisis Crisis yakatumira kubhadhara kudengenyeka.
Muchikamu chechipiri 2009, vanhu 381 077 vakamanikidzwa kupinda kubhengi. Panguva iyoyo, varidzi vemusha vakanga vasingakwanisi kuvimba neimba yekuenzanisa kubhadhara zvikwereti zvavo. Vakarasikirwa neimba yavo, uye vakatozofanira kuzivisa kubhadhara. Kuwedzera kwakanyanya kwakadaro munguva shoma shoma yakadaro kunoratidza kuti mhuri dzakawanda dzakabatanidzwa sei pakatarisana nechikwereti chisingagoneki.
Kukanganisa kwakakwirira hakukwanise kuuya panguva yakaipisisa yehupfumi. Vatengesi avo vakanga vasati vawana zvikwereti vakazopedzisira vazvipedza ivo pachavo. Izvo zvakagadzira huwandu hwemabasa. Kunyange zvazvo mhuri dzakagamuchira kubhadhara chikwereti dzakachengetwa kwekanguva kwekucheka chikwereti, yakaramba iri pamushumo wavo wechikwereti kwemakore gumi. Izvozvo zvakavadzivirira kubva pakutengesa imba kana kuwana chikwereti. Zvose izvi zvinotora nguva yakawanda yehutambudzi hwemhuri nekuderera. Dzidza nezvemamwe mitemo yekudzivirira vatengi.