American Fortune Life

Indyma's plight has heightened concerns among managers, regulators and consumers about the U.S. banking industry. After a long period of prosperity, the banking industry is facing increasing pressure.

In fact, since the outbreak of the subprime mortgage crisis, some banks and savings institutions in the United States have been struggling to cope with the continuous increase in non-performing loans. Obviously, some lenders are too hard to die, and they will certainly be more bad.

According to a think tank analysis, although the number of failed banks is expected to not exceed more than 800 during the Great Depression during the financial crisis, it may take years for troubled financial institutions to resolve non-performing loans and supplement the shortage of capital.

For now, as the turmoil intensifies, consumer perceptions are changing. When the economy is good, they rarely consider the security of their deposits.

Compared to the rapid collapse of indyma caused by the large number of depositors leaving, the more likely situation is the "stagnation" slow motion described by some bankers, which will worsen the financial institutions that have been hit by the credit problem.

To be honest, this kind of move affects the whole body. For example, during the period of thin ice, Andy Smith hit the ice without hesitation by swinging the hammer for his own selfishness, which will undoubtedly cause many people to fall into the water and drown. After the troubled time, Bernanke and Paulson, who were devastated by the spirit, could only see Andy pleasing to the eye.

They just knew that they didn't have any evidence to prove that Andy Smith had ordered Indyma Bank to have a "heart attack", even if there was evidence, it was useless.

"Hey, Paulson, you shouldn't blame me. Really, even if there is no run-up, they will be crushed by multiple factors such as the credit crunch, the deepening real estate slump, and the surge in foreclosure loss rates."

The cold-faced Bernanke and the black-faced Paulson, and Andy Smith with a smile and a leisurely drinking of champagne in the glass formed a small circle in a corner of the reception.

"But its failure will bring an expensive price. Its $ 30.2 billion assets will be taken over. This will become the largest bank failure in US history. The cost of the Federal Savings Insurance Fund may also reach the largest. It is expected that Losses of $ 12.7 billion ... "

Paulson snarled in a cold voice, and Andy narrowed his eyes slightly, shrugged, and resignedly said, "This is really a shame!"

Then he turned his eyes to Ben Bernanke, Chairman of the Federal Reserve, who has not spoken. "Ben, when can I borrow my loan? At this time, there are very few people like me who are willing to take over the closed bank. You should support me. Complete the plan as soon as possible and integrate it so that I can help you in the face of difficulties. "

Bernanke shook his face unnaturally, saying a little coldly: "Andy, you know, once you enter the bidding process, you can't get 100% of Indy Mike Bank, many people will be interested in it. of."

"Ha ~" Andy's eyes narrowed slightly, and he sneered indifferently, watching Bernanke and Paulson saying: "It doesn't matter, it's a big deal to find a new one again, and American banks are not the only one. Family, my investment layout will not lack puzzles! "

Paulson and Bernanke's eyes could not help but stare at each other, staring at Andy, and before they said anything, Andy asked with concern: "Yes, I heard Fannie and Mortgage The United States is hoping for government assistance because of funding problems? Hey, these two poor guys, maybe we should do something, what do you say? "

"Mr. Smith, are you a threat?" Paulson said with a black face, almost gritted.

"It seems that you have some misunderstandings about me. How can this be regarded as a threat? I just think this is a very good investment opportunity. You see that so many people are not looking for opportunities. You also know that under the current economic conditions Life is difficult, and you need to make more money. "Andy looked at Paulson seriously, like an old friend, showing his own voice.

Bernanke really couldn't stand Andy's yin and yang strangeness, and said a little rudely, "I want to be out of touch ..."

"Hehe." Andy drank champagne, chuckled, and watched as Bernanke left, turning to look at Paulson, who looked equally ugly, "Look, Mr. John Paulson, last year Shorted U.S. stocks for a year and earned $ 3.7 billion, which Wall Street calls the new **** of money, and that Bernard Madoff, even more powerful, is in charge of a $ 17 billion fund, even in this kind of In the economic environment, you can still get a return of more than 7% ... "

Paulson's eyes narrowed, staring at Andy, interrupting his puzzling words, saying, "What on earth do you want to say?"

"This is a grand feast. Everyone is doing their best and making every effort to make money, so no one should pretend to be a savior!"

Andy sneered and looked at Paulson. "My business is done. It's up to you now. Indy Mike Bank asked me to take over one day earlier. Maybe I would consider detonating another bigger financial time bomb. Device to you so that you can load it into the annals of history! "

Paulson's pupils shrank abruptly. He didn't think the young **** in front of him would talk nonsense, and reached out and grabbed Andy's arm suddenly. "What did you find?"

"Oh." A charming smile appeared on Andy's face, and he stretched his hand away from Paulson. "Maybe there is, maybe there isn't. I'll wait for your good news. To be honest, Indy Mike Bank has cut half of it. Employees, I heard that more than 60% of the retail mortgage business will start to sell. However, various remedies will not eventually save the apple's decay. It is time for fdic to take over. "

Paulson looked at Andy Smith with a smirk, and his teeth were itchy, but he knew that since he said that, there must be something found. Using a time bomb to describe it was enough to say that the matter was serious, let alone say It's a time bomb, and now it can't stand a bit of trouble in the US financial market.

"Andy, haven't we already signed the memorandum, don't you feel relieved?"

"Hehe, I'm still safe. I'm young, I have little experience, and I'm timid. I'll talk to you after the bank affairs are settled. If you are in a hurry, I wish you a good time. I'll be out of love. Andy put the empty wine glass on the tray of a waiter passing by, took another glass, smiled slightly, raised it, and turned to Ivana who was chatting with a group of ladies.