New York, New York: Mu 2008, Barack Obama atangolengeza kuti adzasankhidwa kukhala Purezidenti, anapita kukachita masewera olimbitsa thupi ku hotelo. Wotukuta pambali pake anali loya wachinyamata, wophunzira ku Stanford pamodzi ndi Harvard grad. Onse anali akuda, onse anali oyendetsedwa ndi ndale.
Mwamvapo za chimodzi koma mwina chinacho chinali ndi zambiri zochita kuti Ulamuliro ukuyenda bwino.
Dzina lake ndi Tony West. Anangolengeza kuti akutula pansi udindo wake #3 munthu mu Dipatimenti Yachilungamo. Iye ndi mchimwene wake wa Attorney General waku California.
Nyuzipepala ya New York Times imatcha Kumadzulo kukhala "otsutsa apamwamba a mabanki akuluakulu" chifukwa cha gawo lomwe adachita polipira madola mabiliyoni ambiri pamilandu yosiyanasiyana yamilandu ndi zolakwika zomwe mabungwe azachuma adayambitsa mavuto azachuma.
Zambiri mwa ndalamazo zidapita kuDipatimenti Yachilungamo ndikuthandiza kuti boma lipitilizebe panthawi yomwe kuletsa kwa Republican kudalepheretsa kugwiritsa ntchito ndalama pazachuma, ndikuyesa kusunga boma kuti lisamawononge ndalama.
Attorney General Holder analibe kanthu koma kutamanda njira zokambilana za West zomwe zinakakamiza mabanki kusamutsa ndalama zonsezo kuchokera m'nkhokwe zawo kupita ku akaunti za boma. Chifukwa chiyani mabanki adachita izi? M'malo mwake zinali zoipitsitsa!
Ngakhale nyuzipepala ya New York Times inalengeza za kuchoka kwake, panali ndemanga zambiri pa iwo DealBook nkhani. Mmodzi adamveka mwachidwi, nati, "Tiyenera kupeza ma DOZEN a Tony West angapo ndikuwayika onse pa Big Banks and Financial establishments."
Oliver Buddle yemwe amadzifotokoza kuti anali Wall Streeter kwa nthawi yayitali anali wokayikira kwambiri," "Wall Street samadana ndi Tony, imamukonda kwambiri. Izo sizingakhoze basi kufotokoza izo pa mbiri panobe. Onetsani mawu anga, West, Holder, Breuer, Caldwell, Bharara ndi Reisner alowa m'mbiri monga gulu la Justice lomwe lagwidwa komanso lachinyengo lomwe America idakhalapo. Chofunikira kwambiri apa ndikuti panalibe milandu ya akuluakulu a Wall Street, ngakhale kuti mamiliyoni a anthu adasokoneza miyoyo yawo komanso kuwononga mathililiyoni a madola omwe adawononga. "
Pakati pa ndemanga ziwirizi pali kusanthula kofunikira kwa chifukwa chomwe mabanki adalipira chindapusa ichi, komanso chifukwa chake anthu ambiri omwe adazunzidwa. subprime katangale wobwereketsa nyumba adalandira chipukuta misozi pang'ono pomwe maofesala ochepa aku banki adapita kundende.
Atolankhani abizinesi adalabadira nkhani yayikuluyi, koma zotulukapo za kusamutsa chuma kotereku zachepetsedwa.
Kuyang'ana kukayikira izi, kuchokera pahatchi yake yayikulu ku London, The Economist anafunsa kuti, โKodi ndani amene amayendetsa ntchito yowononga ndalama zambiri padziko lonse? Mafia a Sicilian? Gulu la People's Liberation Army ku China? Kodi kleptocracy ku Kremlin? Ngati ndinu bizinesi yayikulu, zonsezi sizikumveka bwino kuposa machitidwe aku America owongolera. Njirayi ndiyosavuta: pezani kampani yayikulu yomwe mwina (kapena ayi) idachita cholakwika; kuwopseza mamenejala ake ndi kuwononga malonda, makamaka ndi milandu; kuwakakamiza kugwiritsa ntchito ndalama za omwe ali ndi masheya awo kulipira chindapusa chachikulu kuti athetse milanduyo mwachinsinsi (kuti palibe amene angayang'ane mwatsatanetsatane). Kenako bwerezani ndi kampani ina yayikulu.
Ndalamazo ndi zodabwitsa. Pakadali pano chaka chino, Bank of America, JPMorgan Chase, Citigroup, Goldman Sachs ndi mabanki ena akosomola pafupifupi $50 biliyoni chifukwa chakusocheretsa osunga ndalama m'malo obweza ngongole. BNP Paribas ikulipira $9 biliyoni pakuphwanya zilango zaku America motsutsana ndi Sudan ndi Iran. Credit Suisse, UBS, Barclays ndi ena apeza mabiliyoni ambiri, pamilandu yosiyanasiyana. Ndipo awa ndi mabungwe azachuma basi. Onjezani BP ya $ 13 biliyoni m'malo okhala kuyambira pomwe mafuta a Deepwater Horizon adatayikira, Toyota yapeza $ 1.2 biliyoni pakuwonongeka kwa magalimoto ena, ndi zina zambiri.
Nthawi zambiri, makampaniwo amafunikira chilango chamtundu wina: BNP Paribas adapha anthu monyansa, mabanki aku America adathamangitsa makasitomala ndi ndalama zapoizoni ndipo BP idalanda Gulf of Mexico. Koma chilungamo sichiyenera kuzikidwa pa kulanda popanda zitseko. Kuchulukirachulukira kwa machitidwe amakampani ku America ndi koyipa paulamuliro wamalamulo komanso ku capitalism. โ
Mutha kumvetsetsa chifukwa chomwe chiwonjezero cha Capitalism chili chosakondwa, koma sanavutike kuyang'ana kwambiri omwe adapindula pamapeto pake. M'malo mwake, ndani koma mabanki sangathandizire kulanga zachinyengo zachuma ndi milandu ina?
Panthaลตi imodzimodziyo, pali zambiri zokhudza nkhaniyo kuposa momwe tingathere. Ngati lamanja lakwiya, lamanzere ngati lodana, koma pazifukwa zina.
David Dayen wa Freelancer akulemba za Naked Capitalism kuti: "Tikudziwa ziwerengero zomwe mumaziwona pamitu - $36.65 biliyoni yafalikira pakati pa madera atatuwa. Ifenso tikudziwa zimenezo manambala awa ndi olakwika. Kukhazikika kwa JPMorgan kumaphatikizapo mgwirizano wa $ 4 biliyoni ndi FHFA, ngakhale udathetsedwa milungu ingapo DoJ isanalengeze. Yves (Smith, mkonzi wa Naked Capitalism) adapanga bwino mawu akuti "bullshit to cash ratioโ kufotokoza momwe gawo la chithandizo cha ogula likukhazikikako - komwe mabanki amatha kugwiritsa ntchito ndalama za anthu ena, kulandira ngongole pazochita zanthawi zonse monga zopereka zanyumba komanso mabizinesi opangira ndalama monga kubwereketsa, ndikukwaniritsa udindo wawo kudzera mu ngongole za HAMP zomwe zimawalola kutolera. malipiro a chilimbikitso - sizikuwoneka ngati mtundu uliwonse wa chilango chomwe mungawone mumtundu wina uliwonse. Palibe wachifwamba ku banki amene amauzidwa kuti akhoza kumaliza chilango chake potsegula malo a mandimu.
Mukachotsa udzu, mumapeza $ 5 biliyoni kuchokera ku JPMorgan, $ 4.5 biliyoni kuchokera ku Citi ndi $ 9.65 biliyoni kuchokera ku BofAโฆ
Tiyeni tipange masamu!
$ 5 biliyoni + $ 4.5 biliyoni + $ 9.65 biliyoni = $ 19.15 biliyoni
$ 19.15 biliyoni - $ 7.66 biliyoni = $ 11.49 biliyoni.
Tikuzungulira kuti zithandizire. Chifukwa chake ndi $ 11.5 biliyoni mu zilango - pafupifupi zonsezo ku Dipatimenti Yachilungamo okha, ndipo palibe kwa omwe amaika ndalama pachitetezo chobweza ngongole omwe adaberedwa. Izi ndi zotsatira za ntchito pafupifupi zaka zitatu. โโฆ
Ngati osunga ndalama adasokonekera, eni nyumba nawonso adazunzidwa mwadala ndi chinyengo chanyumba zomwe zinali maziko a zochita za Dipatimenti Yachilungamo poyambirira.
Ndinamufunsa Martin Andelman, yemwe amalemba kwambiri za kutsekedwa ndi chinyengo cha nyumba monga Mandelman, za izi. Amawona ngati chinyengo, koma akuti ochepa omwe adazunzidwa adapezapo kanthu:
โMunganene kuti ndalama zina zolipirira zimaperekedwa kwa wobwereketsa mwanjira ina. Vuto limodzi ndi loti, monga a Paul Leonard, woyambitsa Center for Responsible Lending anafotokozera, "Ndani kwenikweni amalandira chithandizochi, ali ku BoA. "Bank of America imayenera kuyimba mafoni onse omaliza," akufotokoza Leonard.
Vuto lina ndilakuti ndalamazoโฆ monga $2.15 biliyoni pakuchepetsa kwakukulu, pankhani ya kukhazikitsidwa kwa Bank of America, sizokulirapo momwe zimamvekera. Mwachitsanzo, $ 2.15 biliyoni pakuchepetsa kwakukulu kumatha kukhudza ngongole 20,000, zomwe sizokwanira kusintha dziko mwanjira iliyonse.
Pomaliza, zambiri mwazochepetsako zikadachitikaโฆ palinso zinthu monga kulemba masekondi (ngongole zachiwiri) zomwe zili pansi pamadzi motero zinalibe phindu poyambira, ndikuchotsa "ngongole zina." Ndiyeno palinso ndalama zochotsera choipitsa, ndikubwereketsa ngongole kwa anthu omwe ali m'malo oyipa omwe akadali ndi masukulu apamwamba a FICOโฆ
Mapeto ake: "Ndalama zambiri sizimafika paliponse pafupi ndi eni nyumba, zomwe zakhala zikuchitika kuyambira pamene National Mortgage Settlement inayamba kubedwa ndi nyumba zamalamulo zosiyanasiyana za boma.'
Lynn Parramore, polemba pa Alternet, adatsimikizira kukayikira kwanga. Zinali zovuta kuti alandirenso mafoni ku mabungwe aboma. Funso lake. "Ndalama zikupita kuti?"
โLimenelo ndi funso la madola mabiliyoni ambiri,โ iye analemba motero. "Olamulira amakonda kudzitamandira ndi ndalama zonse zomwe amachotsa kwa ophwanya ndalama, zomwe zimabwera mumtundu wa malipiro osiyanasiyana ndi" disgorgements "(kubweza phindu lolakwika) kuti athetse milandu.
Koma kodi ndalamazo zimapita kwa ozunzidwa? Kodi zimathera ku Treasury? Kodi owongolera amagwiritsa ntchito ndalama zofufuzira zambiri? Mugule mipando yatsopano yakuofesi? Mayankho ake nthawi zambiri amakhala ovuta kupeza.โ
Ndipo, osati zolimbikitsa kwambiri pamene muwapeza. Iye akuti, "Kubwezera kwa ozunzidwa sikuchitika kawirikawiri, ndipo kumapanga ndalama zochepa kwambiri za zomwe DOJ imabweretsa. $116 miliyoni okha adapita kukabweza.
Ku SEC, ndidapeza m'neneri yemwe adandiwuza mwachangu kuti ndalama zomwe amapeza pachiwongolero sizibwereranso ku bungweli, koma zimapita ku thumba lalikulu la Treasury. "
Chifukwa chake, pamapeto pake, madera onse omvetsa chisoniwa amangokhala njira ina yopezera ndalama, osati kuchita chilungamo. Chochititsa manyazi kwambiri ndichakuti zindapusazi zimanenedwa ndi Boma ngati umboni woti idasunga malamulo ndikumenyera ufulu wa ozunzidwa!
Kusintha kumodzi: Wolemba zamalamulo wochoka Tony West walemba ganyu Washington Insider, loya Robert Barnett yemwe wagwira ntchito kwa Bill Clinton ndi owunikira ambiri atolankhani ngati makasitomala, kuti amupezere ntchito yatsopano yapamwamba yotengera zaka zake zantchito yaboma.
Wotulutsa Nkhani Danny Schechter mabulogu ku News Dissector.net ndi edits Mediachannel.org. Adalemba mabuku atatu ndikupanga mafilimu awiri kuphatikiza Zofunkha: Upandu wa Nthawi Yathu pamavuto azachuma. Ndemanga kwa [imelo ndiotetezedwa].
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