Reforma financiera de EUA
La Casa Blanca está hoy mercadeando su "reforma" financiera de la siguiente manera:
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Here are a few highlights:
* There's now a single agency responsible for looking out for consumers: the Bureau for Consumer Financial Protections. Instead of seven agencies dealing with these issues part-time, one agency will be in charge of establishing clear rules of the road for banks, mortgage companies, payday lenders and credit card lenders.
* Mortgage brokers won't make a higher commission by selling people mortgages that they can't afford. This was a major factor in the recent housing crisis. Now brokers and banks have to take into consideration a borrower's ability to repay before giving a home loan.
* You’ll be able to get a free credit score if you’re denied a loan, an apartment, or a job because of your credit, so you won’t be turned down without knowing why. Right now, you get one free credit report a year, but you can’t see your credit score for free, even if a lender or employer rejects your application because you have bad credit.
* No more bailing out banks with our tax dollars, no more "too big to fail." If a company's in trouble because of risky gambles, it will have to liquidate -- and do so before it can take down the rest of the financial system.
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Mientras tanto la Reserva Federal dice que los bancos han sido perdedores en los últimos 3 meses.
Fed says credit somewhat looser in last 3 months
http://www.reuters.com/article/idUSTRE66C55Y20100713?loomia_ow=t0:s0:a49:g43:r3:c0.049383:b35660858:z0
Pero un estadounidense no se traga el cuento, dice lo siguiente:
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Do they think we’re THAT stupid??
Or are they just talking about the flexibility of the Fed lending to Big Banks at 1/4% interest, then Big Banks lending it to the US Treasury for 3-4%, gambling with more, and telling businesses “So sorry we’re fresh out of money to lend you??
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Asimismo la prensa "mainstream" retrata a los "algo traders" como seres altruistas que brindan liquidez a la economía, y a los banqueros que comienzan a adquirir los bancos comunitarios de EUA como alguien que "viene a ayudar".
CFTC weighs crack-down on high-frequency trades
http://www.reuters.com/article/idUSTRE66C6A220100713?loomia_ow=t0:s0:a49:g43:r1:c0.104938:b35660858:z0
Special Report: We're from Wall Street and we're here to help
http://www.reuters.com/article/idUSTRE66J3X020100720
De igual forma este comentario viene de un estadounidense.
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Those high frequency traders are not the altruistic guys that Bryan Durkin is painting them to be.
They don’t do it to provide liquidity or to keep the cost of running the market down. They do it to reap tremendous profits.
Furthermore, the health of the OTC market is not something we should be concerned about. It simply should not exist. It involves over 600 Trillion dollars of trades per year… which is ten times greater than all of the wealth in the entire world… an inherent volatility magnifier and destabilizer when the market is under duress.
Regulators with “Ferraris as police cars”?
How are you going to pull over a million transactions traveling at the speed of light?
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Yo solo me pregunto cómo hará la Casa Blanca para hacer realidad lo que dice el boletín, regulando muchos bancos, muchas personerías jurídicas, manejando millones de transacciones en corto tiempo...
¿Le quedará grande la camisa al gobierno de EUA? ¿Será realmente una reforma, o tan solo un parche con poca sustancia y mucho populismo?