次贷危急构成缘故原由及其对金融经济的影响（The causes of subprime crisis and its impact on finance and economy）.docVIP

次贷危急构成缘故原由及其对金融经济的影响（The causes of subprime crisis and its impact on finance and economy） Wall Street is the representative of this level of business logic. Wall Street in the face of the decline in performance of listed companies, the first proposed layoffs or change CEO! Because Wall Street represents the naked commercial culture: any performance problems of the company, the first is the companys performance culture is a problem, and the results of cultural problems, it must be that those in the poor performance of the departments or employees. CEO either cuts out these departments or employees, either gets cut off himself, and then lets the new CEO go on with the layoffs. 1, subprime crisis constitute the process The end of the 90 century, accompanied by the United States international stock market crash, a large number of collection companies opened, plus 9, 11 terrible impact, the United States economy has shown a large level of landslide. In order to comfort the economy, the U.S. authorities accepted the low interest rate spring money policy, vigorously carry out credit operations, so that the real estate industry into an excellent development cycle. From the early 2001 2 January to June 2003, the fed before and after the 13 drop in interest rates, the federal funds rate down from 6% to 1%, becoming the lowest rate in 46 years. Loose monetary policy, so that the interest rate of housing deposits continued to fall, peoples enthusiasm for the purchase of progress. Some banks and financial institutions have a decline in deposit credit threshold, housing loans Shoufu rate presents trend year by year fall, scale from the history of the 20% was reduced to zero, even appeared negative Shoufu, greatly reducing the pressure on buyers, mortgage market lead to three years of prosperity. Since June 2004, in order to curb inflation, the Feds low interest rate policy began to reverse, into a 17 period of interest rate hike. By August 2006, the federal funds rate had risen f