Mabanki European: udindo wa phindu wagwa ndipo anataya

Munthu aliyense amamuchititsa chitonthozo ndi chitetezo wathunthu. Pankhaniyi, chitetezo cha katundu ndi ndalama patsogolo malo. anthu ambiri kukhulupirira ndalama adayikidwa ndi mabanki. Chachikulu kusiyana pakati pa anasankha mabungwe azachuma madipoziti lili mwachirengedwe. Ngati ambiri makasitomala kusankha bungwe dziko, otsala gulu laling'ono wakonda kutamandidwa mabungwe, udindo, ndi fano limene lakhala anatsimikizira zaka, ngakhale zaka zambiri ntchito. Izi makamaka monga mabanki European.

"Ambuye" wa World Old

mabungwe awa ali wamkulu mu dziko lonse danga-banki mabungwe a zachuma. Kwa nthawi yaitali ena "amphamvu" ndipo mabanki bwino ankatengedwa malo Switzerland. Pa nthawi imeneyi, khola ndi kothandiza mabanki ku Europe monga mu mndandanda wake wa mabungwe m'mayiko ena. N'zochititsa chidwi kuti chitukuko cha kuchuluka padziko lonse ya zachuma, chuma ndi kukongoza ndi zinakhudza mwa izo mabungwe a Old World. Chifukwa cha ichi ndi maiko a ku Ulaya pansi pa mothandizidwa ndi bungwe la European Union. Mawu oyamba a ndalama imodziyo bwino kuganizira maganizo kwa kulowetsedwa a utuluke ndalama ntchito osiyana mayiko. Ndipo, ndi bwino kusinthasintha kwa kusintha refinancing index. Potsilizira pake, chifukwa cha "masewero" ndi mayiko mitengo kukongoza, ambiri mabanki European ndi "zikuphedwa" Anti-okhawo Komiti. ntchito ati ntchito yaikulu chilango ndalama ku mabungwe ambiri kukongoza.

German "masewera"

Chifukwa cha mpheto ya pa refinancing mlingo mkulu "Deutsche Bank" (Germany) kusiya kaye litigation 1 biliyoni 200 zikwi mayuro. Ndipo izo ziri basi kwa akangomva. Chisoni tsoka la bungwe anagawa mabanki JP Morgan Chaise, HSBC ndi ena ambiri. The Antimonopoly Komiti ya EU limanenela mabungwe ndi kusintha mlingo Libor (London Interbank Anadzipereka Mlingo). The chifukwa cha mbiri yaikulu anakhala chabwino awiri ndi mayuro biliyoni theka.

Osati anachira kuyambira mantha ndi odziŵa banki German anali kamodzinso nawo mzere wachiwiri. nthawi iyi Commission kupeza monyanyira mu ndondomeko kukhazikitsa mlingo avareji ndalama Euribor. Kulankhula mwachidule, index zikusonyeza chiwongola dzanja limene mabanki European kongoletsani kwa wina ndi mzake wina nthawi ndalama. Izi chida refinancing umatchedwanso mayiko chiwongola dzanja umafuna.

Pa nthawi yomweyo linaphulika zoipa padziko nkhaniyi linapuwalanso ndalama okwana m'banja. Poyerekeza ndi mbuku 2013 phindu ukonde, "Deutsche Bank" anatsika ndi nthawi 15, ndi kota yoyambayo anali mayuro oposa 50 miliyoni.

Sad "wogwirizana" wa Switzerland

Wophunzira chisoni chochitika pa "masewero" ndi mlingo wa Libor imatchedwanso UBS-Bank (Switzerland). Kumvera yabwino yaikulu, gulu la "chatsekedwa" mu 2012 ndi zakuya opanda mayuro 1.7 biliyoni. 2013 anasankha moyo wabwino kwambiri mu ntchito za bungwe la zachuma. Ngakhale banki ndipo inasanduka lipindulitsa ntchito njira, ndi ndandanda 15% malire, mwatsoka, si analandira.

zachuma Mosakayikira, ambiri amavomereza kuti dziko lonse chuma banki "masewero" mabungwe Old World sizidzatha wabwino sungathe: agonje mabungwe, ndalama, mayiko ndi m'maiko. Sukulu zambiri ngongole ali pangozi ya bankirapuse.