Friday, November 15, 2013

The cause of 2007 recession




·         The recession is caused by the mortgage derivatives. Most of us do not have the expertise in this area and we cannot blame ourselves for missing this bubble.

The bankers boosted the bonuses by signing up bad loans and not following the regulations or companies’ policies. The loaners are stupid enough to sign up the loan that they can never pay back with simple math. It does not only hurt the banks, but the global economy. The government should step in and have regulations to prevent it from happening again. The bankers making outrageous bonuses (from the tax payers’ money) should give them back and none of them go to jail so far. There is something wrong with our finance system and the governance of this industry.

·         From Norman:

Do you think that the secular lack of demand caused desperation in the financial sector?  If this were the case, all the banks would compete to give loans to deadbeats in order to make their fee.  With government agencies GNMA and FHLMC providing a credit worthy vehicle for MBS and too big to fail in the background it might be a way to get through the depression.

Japan had a similar housing bubble for this same reason and we might have learned from that if we had an alternative.

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