Finansiella krisen 2008
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The Financial Crisis: Causes, Impact, and Lessons Learned
The financial crisis stands as one of the most significant economic downturns since the Great nedstämdhet. It reshaped global economies, altered financial regulations, and left a lasting impact on millions of lives.
Understanding this crisis is crucial for grasping how interconnected our financial systems are and recognizing the vulnerabilities that can lead to widespread economic turmoil.
Causes of the Financial Crisis
The roots of the financial crisis can be traced back to a combination of factors that created a perfect storm in the global economy. At the heart of the crisis was the housing bubble, fueled bygd an era of easy credit and lax lending standards. Financial institutions, driven by the pursuit of higher profits, began issuing subprime mortgages to borrowers with poor credit histories. These high-risk loans were then bundled into mortgage-backed securities (MBS) and sold to investors, spreading the risk throughout the financial system.
Compounding the problem was the role of kredit rating agencies, which assigned high ratings to these complex financial products, often underestimating the risk involved. Invest
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Finanskrisen i USA
Kort inledning
På grund av för låga räntor, politiska kampanjer för att få låginkomsttagare att köpa hus och att få alla att konsumera samt förändringar i regelverket för banker, ansvarslösa bankirer och finansinstitut skapade de amerikanska finansinstituten tillsammans med den federala staten en gigantisk bubbla av kapital som saknade täckning i verkligheten.
När FED började kraftigt höja räntorna samtidigt som några bankinstitut blev rädda för att drabbas av den finansiella situationen började finansbubblan att brista. Eftersom ingen ville sitta med Svarte Petter i slutet spred sig paniken mellan bankerna.
När bubblan havererat och bankerna förstod konsekvensen av sitt handlande slutade stora delar av interbankmarknaden att fungera. Ingen hade längre något kapital att låna ut. De som hade kapital höll i pengarna hårt.
I september föll Lehman Brothers ihop som en korthus när ingen ville låna dem kapital. Detta var början på finanskrisens akuta skede.
När världens politiker och finansvälden förstått omfattningen av krisen samlades flera av världens mäktigaste länder i ett G20 möte (Pittsburg) i mars för att försöka att tillsammans använda skattepengar för at
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financial crisis
Worldwide economic crisis
The financial crisis, also known as the global financial crisis, was a major worldwide economic crisis, centered in the United States, which triggered the Great Recession of late to mid, the most severe downturn since the Wall Street crash of and Great Depression. The causes of the financial crisis included predatory lending in the form of subprime mortgages and a resulting U.S. housing bubble, excessive risk-taking by global financial institutions, and lack of regulatory oversight. The first phase of the crisis began in early , as mortgage-backed securities (MBS) tied to U.S. real estate, and a vast web of derivatives linked to those MBS, collapsed in value. A liquidity crisis spread to global institutions by mid and climaxed with the bankruptcy of Lehman Brothers in September , which triggered a stock market crash and international banking crisis.[1]
During the s, the U.S. Congress had passed legislation intended to expand affordable housing through looser financing rules, and in , parts of the Banking Act (Glass–Steagall Act) were repealed, enabling institutions to mix low-risk operations, such as commercia