Nyaya Inotungamirira Kubva Kukuru Kwebhanisi Kukundikana muNhoroondo
Inenge 60 kubva muzana yebhizimisi rayo raibva kubhengi yekutengesa , uye 20 muzana yakauya kubva kumakadhi emakwereti.
Asi 14 kubva muzana chete yaibva kumabhadharo emusha, asi izvi zvaive zvakakwana kuparadza zvose zvebhizimisi rayo. Pakupera kwa2008 kwakange kuri kubhadhara.
Sei WaMu Yakakundikana?
Washington Mutual yakakundikana zvikonzero zvishanu. Chokutanga, yakaita bhizinesi zhinji muCalifornia. Misika yemumba yakaita zvakaipa pane dzimwe nzvimbo dzenyika. Muna 2006, tsika dzekugara munyika yose dzakatanga kuwira. Izvo zviri mushure mekusvika kwepamusoro wekubvira kwe20 muzana kwegore-pamusoro-gore kukura muna 2004.
Pakazosvika December 2007, nyika inosvika purogiramu yemari yaive yakaderera 9,8 muzana. Nguva yekupedzisira nguva dzekutengesa dzimba dzainge dzawa panguva yekudengenyeka kukuru . Munyika yose, pakanga pane mwedzi gumi yekuwana dzimba. MuCalifornia, kwaiva nemakore gumi nemashanu ekutengesa zvinyorwa. Kazhinji, nyika yakanga ine mwedzi mitanhatu yekugadzira.
Pakupera kwa2007, zvikwereti zvakawanda zvaive zvinopfuura zana zvezana zvekukosha kwemusha. WaMu akanga aedza kuchengetedza. Iyo yakanyora 20 kubva muzana yezvinyorwa zvayo zvekare mari inopfuura 80 muzana chikwereti-ku-kukosha chiyero .
Asi kana matengo emba akadonha, haasisina kukosha.
Chikonzero chechipiri chekukundikana kwaWuMu ndechokuti yakawedzera matavi awo nekukurumidza. Somugumisiro, yakanga iri munzvimbo dzakashata mumisika zhinji. Somugumisiro, yakaita zvikwereti zvakawanda zvepa subprime kune vasina kukwanisa kutenga.
Chechitatu ndechekugumburwa kwaAugust 2007 yemakemikari wechipiri kune zvikwereti zvekubhadhara mari .
Kufanana nemamwe mabhanga akawanda, WaMu haigone kutengesa zvikwereti izvi. Kuvhiringidzwa kwemitengo yemusha kwaireva kuti vakanga vari kupfuura dzimba dzaive dzakakodzera. Bhengi haigoni kuunza mari.
Mune Q4 2007, yakanyora-pasi $ 1.6 mabhiriyoni mune zvisiri zvekutengesa mari. Bhengetedzo yeBhangi yakamanikidza kuti iise mari pacheche kuti ipe zvekurasikirwa mune ramangwana. Somugumisiro, WaMu yakashuma $ 2 biliyoni kutasikirwa kwakakwana kwekota. Kurasikirwa kwaro mumatare kwegore kwaiva $ 67 biliyoni. Yakaisa purogiramu yayo ya2006 ye $ 3.6 mabhiriyoni. (Kubva: WaMu 2007 Annual Report)
Nhamba yechina ndiyo yaSeptember 15, 2008, Lehman Brothers kubhadhara. WaMu vanoisa pasi vanotya pavanonzwa izvi. Vakatora $ 16.7 mabhiriyoni kubva pane zvavanenge vachichengetedza uye kuongorora maakare kwemazuva gumi anotevera. Yaiva 9 muzana yemari yaMuMu. Federal Deposit Insurance Corporation yakati bhadha haina mari yakakwana yekuita bhizinesi zuva nezuva. Hurumende yakatanga kutsvaga vatengi. Nokuda kwezvimwe, tarisa Nguva yeChepfumi yeChese ya2008 .
Wechipiri waiva waWu's size size. Yakanga isiri huru zvokuti yakakura zvikuru kuti isakundikana . Somugumisiro, mari yeUnited States kana kuti Federal Reserve haigoni kuibhadhara sezvakaita Bear Bear kana American International Group .
Ndiani Akatora Washington Mutual?
Musi waSeptember 25, 2008, FDC yakatora bhangi ikaitengesa kuJPMorganChase ye $ 1.9 mabhiriyoni.
Zuva rakatevera, Washington Mutual Inc, kambani yekuchengetedza bhangi, yakarondedzera kubhadhara. Yaiva yechipiri yakakura pakupedzisira mumakore, shure kweLehman Brothers.
Pamusoro penyika, zvinoratidzika kuti JPMorganChase ine basa rakanaka. Yakangobhadhara $ 1.9 mabhiriyoni kune $ 300 mabhiriyoni muzvinhu. Asi Chase aifanira kunyora pasi $ 31 biliyoni muzvikwereti zvakaipa. Inofanirawo kukwidza $ 8 mabhiriyoni mumutengo mutsva kuitira kuti bhanhire riende. Hapana rimwe bhizimusi rebhaji paWuMu. Citigroup, Wells Fargo, uye kunyange Banco Santander South America yakapfuura pairi.
Asi Chase aida waMuu mumatare ebazi 2 239 uye rakasimba demo rekugadzirisa. Kuwana kwakapa kuvepo muCalifornia neFlorida. Yakanga yatopa kupa mabhizinesi muna March 2008. Pane kudaro, WaMu yakasarudza mari ye $ 7 mabhiriyoni nehuwandu hwekuchengetedza hupfumi TPG,
Ndiani Akatambura Kurasikirwa?
Bondholders, vashandi vemari uye vashandi vebhangi vakabhadhara kurasikirwa kukuru.
Bondholders vakarasikirwa ne $ 30 mabhiriyoni mumari yavo yekuMuMu. Vazhinji vagoveri vakarasikirwa chete asi masentimita maviri perhare.
Vamwe vakarasika zvose. Somuenzaniso, Texas Pacific Group yakarasikirwa ne $ 1.35 mabhiriyoni ekutsvaga. IWuMu inobata kambani yakambomira JPMorgan Chase yekuwana $ 4 mabhiriyoni mumabhadharo. Deutsche Bank akarovera WaMu kwe $ 10 mabhiriyoni muzvikwereti zvekuregererwa kwemari kutengesa mari. Rakataura kuti WaMu vaiziva kuti vaiva vanyengeri uye vanofanira kuvadzorera zvakare. Zvaisava pachena kana FDIC kana JPMorgan Chase yaifanira kutongerwa zvizhinji zvezvirevo izvi. TPG yakarashika $ 1.35 mabhiriyoni ayo ekutsvaga kwayo.
(Zvinyorwa: (Mhedziso: "Inside Story of WaMu - Inonyanya Kubhadhara Bhizinesi muAmerican History," CNBC, June 20, 2012. "Nzira 4 dze Washington Mutual Yet Matters," Forbes, February 22, 2012. "WaMu Is Seized , "The Wall Street Journal, yaSeptember 26, 2008.)