ความคิดเห็นที่ 62
แผนของอีตาเหม่ง Treasury Secretary เสนอแนวทางป้องกันการกู้เงิน mortgage ที่มีปัญหา
เน้นนะครับว่าเกือบทั้งหมดเป็นแนวทางการ**ป้องกัน** มีบางอันเท่านั้นที่ อาจจะช่วยแก้ไขปัญหา
The U.S. Treasury Secretary gave a laundry list of recommendations to prevent the problems currently plaguing the financial markets from happening again. Wall Street, though, appeared indifferent to the suggestions in early-afternoon trading.
Henry Paulson outlined a series of new rules and regulations that federal and state officials are expected to issue to reform many of the financial market practices that have led to the current problems in the mortgage and credit markets. Acknowledging no "silver bullet" exists to prevent the past financial excesses from recurring, Paulson called for steps to be taken to ensure enhanced transparency, disclosure and risk management.
The most prominent theme was increasing the transparency of the mortgage and credit markets.
Paulson, who spoke before the National Press Club, contended complexity was one of the many excesses that led to the present market turmoil. Paulson focused on the folly of taking a pool of mortgages, and adding layers upon layers of additional securitization pools.
Paulson said credit rating agencies need to make sure that securitized credit issuers "perform robust due diligence of originators of assets that are securitized or used as collateral for structured credit products."
Paulson said the working group was now ready to push for its recommendations to be put in place and vowed that it will "stay on top of this" while trying not to add to existing stress in markets.
Paulson's comments did not provide any additional confidence in the financial markets, which had been falling since the day began with credit concerns from Carlyle Capital, and a surprising drop in retail figures, contributing to fears about a consumer-led recession.
Paulson also turned to banks, asking them and other lenders to continue issuing loans, and implying they should cut back on dividends in order to raise capital. "We are encouraging financial institutions to continue to strengthen balance sheets by raising capital and revisiting dividend policies; we need those institutions to continue to lend and facilitate economic growth," he said.
The Treasury Secretary also called for strong nationwide licensing standards for mortgage brokers. The working group includes the heads of the Federal Reserve Board, the Federal Reserve Bank of New York, the Securities and Exchange Commission and the Commodity Futures Trading Commission as well as the Treasury. It issued recommendations that touch nearly every corner of the credit markets--from Wall Street firms to credit rating agencies and regulators.
Paulson's comments came two days after the Federal Reserve announced it was expanding its securities lending operations, allowing big Wall Street firms to borrow for extended periods and, for the first time, exchange triple-A mortgages not backed by Fannie Mae or Freddie Mac for Treasury bonds as part of a lending operation.
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academician
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