Iwalani a Bernie Madoff ndi a Ken Lay a Enron - anali osachita bwino pazachuma. Chiwopsezo cha chiwongola dzanja chamakono cha Libor, choloŵetsamo mazana a mathililiyoni m’malonda otengedwa m’maiko akunja, chimasonyeza mmene anyamata aakulu kwenikweni amaseŵera. Ndipo anyamatawa sangachite nthawiyo chifukwa mtundu wawo umalembanso lamulo asanachite mlandu.
Mabanki amakono amitundu yonse amapanga gulu la mbala zomwe dziko silinawonepo. Kapena, ndithudi, kuganiza. Chitonzo chokhudza Libor—chidule chandalama zoperekedwa kwa London interbank—chabweretsa chindapusa chachikulu ku banki ya Barclays ndikuwopseza kutchera msampha ena mwa mabungwe azandalama apamwamba kwambiri padziko lonse lapansi. Likuvumbula kuti kumbuyo kwachuma padziko lonse lapansi kuli katangale wochuluka wa ziphuphu zomwe sizinachitikepo. Achifwamba amasiku ano amafunkha ndi kusiya kowononga kotheratu kwa lamulo kapena chikumbumtima ndi pamlingo wovuta kuumvetsetsa.
Momwe mungafotokozere kukhazikika kwa $ 450 miliyoni kwa banki imodzi yomwe chitetezo chake, pazokambirana ndi owongolera ku London ndi Washington, ndikuti bungwe lililonse m'magulu awo azachuma anali kuchita izi? Osati Barclays okha koma JPMorgan Chase, Citigroup ndi ena tsopano akufufuzidwa chifukwa chokayikira kuti akugwiritsa ntchito mlingo wa Libor, womwe ndi wovuta kwambiri ku msika wa $ 700 triliyoni.
Atagwidwa ngati nswala pamoto, Wapampando wa Barclays Robert E. Diamond Jr. adatula pansi udindo wake sabata ino ndikupereka chitetezo ku Nyumba Yamalamulo yaku Britain kuti adamva posachedwa kuti banki yake ikusintha index yomwe gawo lalikulu la malonda apadziko lonse lapansi. ndi zochokera. Izi ndi zomveka pokhapokha ngati tikuganiza kuti amalipidwa $ 10 miliyoni pachaka kuti asadziwe dala. Nyuzipepala ya Wall Street Journal idaulula zamanyazi izi zaka zinayi zapitazo koma banki yake idapitilizabe kuchita nawo.
“Kuphunzira Kukayikitsa Ndalama Zamtengo Wapatali” unali mutu wankhani wa lipoti lofufuza la pa May 29, 2008, lomwe linati: “Mabanki akuluakulu akuchititsa kuti pakhale khalidwe losalongosoka la ndondomeko yofunika kwambiri yobwereketsa ndalama padziko lonse, malinga ndi kafukufuku wa Wall Street Journal.” Ngakhale pamenepo, malinga ndi lipotilo, zinali zodziwika kuti chiŵerengero cha Libor chinali kugwiritsiridwa ntchito “kuti chikhale ngati kuti mabanki achita bwino kuposa mmene analili panthaŵi yovuta ya mavuto azachuma.”
Zaka zinayi patsogolo pa umboni wa Diamond pamaso pa Nyumba yamalamulo sabata ino pomwe CEO adati zomwe adapeza posachedwa za Barclays zomwe zidamupangitsa kuti "adwale". Ndani anali ndi mlandu? Malinga ndi mkuluyo, ogwira ntchito kumbuyo kwake.
Wobanki waku America, yemwe ali ndi unzika wapawiri ku United States ndi Britain, amadziwa bwino zachuma, atayamba ndi kusonkhanitsa zotuluka ku Credit Suisse First Boston kumbuyo mu 1996. "Sindingathe kukhala pano ndikunena kuti palibe aliyense m'makampani [akudziwa] za mavuto a Libor. Panali vuto pamenepo ndipo liyenera kuthetsedwa mozama. ”
Sakanakhoza kukana kufalikira kwachinyengo mu banki yake chifukwa, monga kugwa kwa Enron zaka khumi zapitazo, ofufuza adavumbulutsa mbiri ya imelo yachinyengo ya msika kotero kuti ngati akuluakulu sakudziwa, chinali chifukwa sankafuna. kudziwa.
Monga momwe nyuzipepala ya The New York Times inalembera mkonzi: “Umboni, wotchulidwa ndi Dipatimenti Yachilungamo—umene Barclays anavomereza kuti ndi ‘woona ndi wolondola’—ndi woipitsitsa. 'Nthawi zonse wokondwa kuthandiza,' wantchito wina analemba mu imelo atafunsidwa kuti apereke zambiri zabodza. 'Ngati mukudziwa kusunga chinsinsi, ndikubweretsani,' analemba motero wogulitsa Barclays kwa wamalonda wa banki ina, ponena za njira zawo zopezera phindu. Ngati sikuli chiwembu komanso kukonza mitengo, ndi chiyani?
Unduna wa Zachilungamo ku US udachita mgwirizano ndi Barclays, ndipo ngakhale ingatsutse anthu ena pachinyengo, idavomereza kuti asatsatire bankiyo. "Mgwirizano woterewu umakhala womveka pokhapokha ngati mgwirizanowu udzalola kuti ozenga mlandu akhomerere mabanki ena omwe atenga nawo gawo pakukhazikitsa mitengo, kuphatikiza milandu yomwe ingachitike motsutsana ndi Citigroup, JPMorgan Chase ndi HSBC ... ," adatero mkonzi wa Times.
Onse a Citigroup ndi JPMorgan Chase adanenedwa ndi The Wall Street Journal zaka zapitazo kuti akuganiziridwa kuti amawononga chiwongola dzanja cha Libor. Atsogoleri a mabanki amenewo, ngakhale anali kuwululidwa pawailesi yakanema, momveka bwino adakhalabe ndi chidaliro chokwanira kuti apitilize kuyenda mosangalala.
Koma chomvetsa chisoni n’chakuti mwina adzalephera. Dziko lazachuma chambiri limapangidwa kukhala losawoneka bwino komanso losamveka monga momwe mabanki ndi olowa nawo ndale angapangire, ndipo ngakhale mng'alu waposachedwa kwambiri woteteza chinyengo posachedwa udzachotsedwa.
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