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The following article was published in our article directory on October 14, 2010.
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Fannie Mae and Freddie Mac Three Possibilities Reform Program

Article Category: Business Management

Author Name: xia zihui

Whether Democrats and Republicans in the "two rooms" to the issue of heated debate, but admit that the U.S. public is more inclined to "The Government should stop Fannie Mae and Freddie Mac rescue the two companies."

The Mortgage Bankers Association believes that Fannie Mae and Freddie Mac as soon as possible from the U.S. government's protection. The Mortgage Bankers Association chief executive Colson wrote in a letter to U.S. government departments, said: "The current situation with a brain-dead patient is no different, Freddie Mac and Fannie Mae relying heavily subsidized barely. "Mortgage Bankers Association wants the U.S. government as soon as possible to determine the policy for the two rooms to ensure that creditors know whether to recover its investment.

Two real estate industry in order to avoid the bankruptcy of mortgage giants to further the impact of financial markets, the U.S. Government began two years ago, Freddie Mac and Fannie Mae to provide assistance.

After the 2008 financial crisis, U.S. Treasury Secretary Henry Paulson when effective control of the Freddie Mac and Fannie Mae, when Paulson and the two companies did not implement a comprehensive nationalization, and thus away from the the U.S. government's off-balance sheet. Currently, the U.S. government held two rooms share reached 79.9%, respectively, from its balance sheet above the threshold of 80% reported only one step.

Previously, it was once called, should be indebted to the "two rooms" to close down. Can the "two room" has attracted international investors to withdraw from the market panic, Obama would not easily throw off the two "big burden."

Office of the U.S. government due diligence report to Congress that "two rooms" may be to include the following:

First, the fully state-owned, and even into the federal government under the body.

"Two rooms" main business is the payment of housing loans and issue-related high-grade mortgage-backed securities, MBS products but do not participate in the investment, in particular, should reduce the interest rate risk of holding assets. Currently some of the functions, particularly for special groups of the functions of the mortgage payment can be transferred to the Federal Housing Administration. However, this mode, the "two rooms" balance sheet directly linked with the government budget. Once its operating losses, the government was forced to use financial means for its "pay." This means that all taxpayers to subsidize the housing mortgage market. In view of the huge U.S. federal deficit remains high, the implementation of the model difficult.

Second, maintaining the current GSE structure, but the government equity participation, and supervision and management of their operations.

This model to maximize their pre-crisis "two rooms" business model, reform a lesser extent, is conducive to safeguarding the stability of the housing mortgage market. But in order to reduce business risk, the Government should carry out supervision and management of its business, such as limiting the "two rooms" MBS investment, an upper limit on executive compensation management, reform the ownership structure, governance, and so the introduction of the debtor. But the biggest drawback of this model is difficult to avoid the "two rooms" moral hazard behavior, which could lead to mistakes.

Third, thoroughly privatized.

Once the "two rooms" restored the continued viability, the government completely out of the daily operation and management, and the removal of the "two rooms" implicit guarantee of bonds, asking them to carry out market financing, the use of market mechanisms to monitor and gradually improve operating stability. In addition, to diversify its business risks effectively, can set up holding the government or the private sector, insurance sector, on the "two rooms" provide a similar bond guarantee credit default swaps. This model, the government can reduce the mortgage market for housing finance subsidies. But the disadvantage is that the increased difficulty of households to obtain mortgages, for example, may significantly improve the level of interest rates 50 to 100 basis points, fixed-rate mortgages get more difficult, etc., is not conducive to the recovery of the housing mortgage market. In fact, the last century, during the Vietnam War to limit the budget deficit, Freddie Mac was privatized.

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