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What Created This Monster?
By ND. SCHWARTZ & J CRESWELL
March 23, 08
In a nutshell, financial institutions became deregulated thanks to both Clinton and Bush administrations. This led to a series of new products called derivatives, that were very lucrative for Wall street firms. A derivative is like an insurance. If a bank buys a risky bond with a high rate of return, it can sell the risk as a derivative. So the risk is actually spread worldwide.
This business is so poorly regulated that these positions do not even appear on the banks balance sheets...and the entire industry is worth trillions of dollars. If these trillions go up in smoke, the loss is eventually carried by everyone, you and I...
This problem dwarfs the problem with sub prime mortgages.
Even treasury secretary, Hank Paulson, is now talking regulation.
See:
http://www.nytimes.com/2008/03/23/business/23how.html?pagewanted=2&_r=1&sq=financial%20instruments&st=nyt&scp=5&adxnnlx=1206678633-NnbUTsn/8hKPKL9KbjmB%20Q
Oh, I forgot: this is what did Bear Stearns in...and the government bailout of Bear Stearns was done courtesy of our tax dollars. That is why we should be paying attention.
By ND. SCHWARTZ & J CRESWELL
March 23, 08
In a nutshell, financial institutions became deregulated thanks to both Clinton and Bush administrations. This led to a series of new products called derivatives, that were very lucrative for Wall street firms. A derivative is like an insurance. If a bank buys a risky bond with a high rate of return, it can sell the risk as a derivative. So the risk is actually spread worldwide.
This business is so poorly regulated that these positions do not even appear on the banks balance sheets...and the entire industry is worth trillions of dollars. If these trillions go up in smoke, the loss is eventually carried by everyone, you and I...
This problem dwarfs the problem with sub prime mortgages.
Even treasury secretary, Hank Paulson, is now talking regulation.
See:
http://www.nytimes.com/2008/03/23/business/23how.html?pagewanted=2&_r=1&sq=financial%20instruments&st=nyt&scp=5&adxnnlx=1206678633-NnbUTsn/8hKPKL9KbjmB%20Q
Oh, I forgot: this is what did Bear Stearns in...and the government bailout of Bear Stearns was done courtesy of our tax dollars. That is why we should be paying attention.