Thursday, 17 September 2009
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海嘯週年
勉強要為金融海嘯定個開始，大概以雷曼倒閉計起也是適當的。市場恐慌，引致信貸收緊，非理性地急速的價格調整隨之而來。
事隔一年，請問各方可有長進？
除了財長保爾森臨別秋波倡議的所謂改革-甚至連這些過後也就默默無聞，在監管上、在制度上，如何預防悲劇重演，實在無人下過功夫。只見人人大力泵錢科水。
其實改革實是困難重重。保爾森一來是良心發現(?)，二來是橫豎下屆都不是我來幹，財長換人，連財長個老闆也換了人，就算空口講白話來消遣消遣，又怕甚麼？
Henry Paulson calls for radical regulatory banking reform - Times Online
“...Henry Paulson recommended that banking, insurance and mortgage oversight be centralised and that the Federal Reserve should become a “risk czar”.
Mr Paulson’s 218-page Blueprint for Regulatory Reform suggested that insurance companies and saving and loans institutions, which at present are supervised on a state-by-state basis, should be regulated on a national scale. A new federal body would cover the insurance sector and the Office of Comptroller of Currency, which polices national banks, would oversee saving and loans institutions.
He also proposed establishing a Mortgage Origination Commission (MOC) to regulate home loans on a national basis. However, in what appeared to be a complex dual-regulatory structure, the existing state mortgage regulators would largely continue to operate as they do now but would also report to the MOC. If the MOC were not satisfied with the performance of one of the state enforcers, it would, for example, have the power to halt securitisation of home loans, a move that would cut off a large source of mortgage financing….”
退市安排，大家只說不做，再造泡沫，到時再急剎車就跌得更狠。現在仍只在出口術階段，希望你知驚自我調節，但紙老虎易被看穿，到時政府只有真的出手剎車。中美好似有貿易戰，短期受壓，但長遠打不成，Obama not gutsy, 奧巴馬此君得天下，全靠把口冧人，哄騙，所以其實只是投機主義，希望藉著向中國輪胎徵收特別關稅，去討好工會、商界、政治群體，以便通過醫療改革，根本是低估中方反應，一旦對方還以顏色，便覺不划算，所以貿易戰他不會打下去。
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