In fact, when Americans experience stagnation or decline in real wages, subprime loans give them the illusion of increasing wealth. However, in the post-crisis economic downturn, accumulated debt will play a powerful deterrent role, because over-leveraged enterprises and consumers will reduce investment and consumption to repay loans.
2. The banking industry has insufficient control over risks.
The main crux of the financial crisis is the lack of risk control in the banking industry, which has led to the flooding of many loans in the financial system and dragged down the entire banking system.
Secondly, a few speculators secretly manipulate prices and resource allocation, distorting the market principle of capitalist free competition and benefiting minority groups. Once the loopholes in capitalism are exploited, it will become a big problem.
3. Economic fragility brings political fragility.
The global financial crisis triggered by the subprime mortgage crisis has brought profound disasters to the economies of various countries, directly leading to rising unemployment rate, worsening poverty, social stability and declining sense of security.
However, in the face of this financial chaos, emerging economies, especially BRICS countries, have shown great immunity. Mainly because these countries have put forward countercyclical macro-control policies based on stimulating domestic demand growth, which effectively eased the volatility of economic activities.
Two. List of financial loan enterprises in 2008
1, Zhaolian Consumer Finance
Zhaolian Consumer Finance is a licensed consumer financial institution jointly established by China Merchants Bank and China Unicom, which mainly deals in many loan products. At present, there are well-known loans and credit payments, which provide credit loans and installment consumption for each borrower.
2. Immediate consumer finance
Instant consumer finance is a well-known old financial institution. It was established with the approval of China Banking and Insurance Regulatory Commission, and holds a consumer finance license. Its well-known loan product is instant flowers. The maximum loan product can be 200,000 yuan for the borrower, and the minimum daily interest rate is 0.026%.
3. China Post Consumer Finance
China Post Consumer Finance has a variety of loan products, such as fast loan, revolving loan, owner loan and postal savings loan. Each loan product has different channels for the use of funds. For example, ultra-fast loans are mainly consumer loans, and owner loans are mainly provided to individual small and micro business owners.
4. CCB Consumer Finance
CCB Consumer Finance is a consumer finance company under CCB, relying on China Construction Bank. Because it is a state-owned bank, the loan interest rate of CCB's consumer finance is relatively low among all small loan products. Moreover, the loan amount that CCB consumer finance can provide for borrowers is often relatively high.
5. Haier Consumer Finance
Haier Consumer Finance was mainly established on 20 14, holding a consumer finance license approved by the China Banking Regulatory Commission, and was jointly established by Haier Group, Red Star Macalline and China Youzan. Haier Consumer Finance can provide borrowers with a loan amount of up to 300,000 yuan.
6. Weizhong Bank
Strictly speaking, Weizhong Bank is the first Internet bank in China, and its products include micro-credit and micro-credit. Weizhong Bank has no independent APP. If borrowers want to apply for small loans, they can apply directly on WeChat. However, it should be noted that micro-lending is a white list invitation system.
7. Ping An Consumer Finance
3. The registered capital of the enterprise is 30 million yuan. In 2008, it borrowed 68 million yuan from its related parties according to the loan interest rate of financial institutions in the same period, and the loan interest was 4.08 million yuan. ...
B
A: The actual amount of creditor's rights investment paid by the enterprise to related parties is 2: 1. The registered capital of the enterprise is 30 million yuan, the creditor's rights investment of related parties does not exceed 3 million yuan, the current loan is 68 million yuan, and the interest amount allowed to be deducted is 606,000 ÷ 6,800× 408 = 3.6 million yuan.
4. What are the top companies that went bankrupt on Wall Street during the financial crisis in 2008?
The Boeing Company