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The following article was published in our article directory on November 5, 2010.
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U.S. Banking Industry Once Again Pull Alarms

Article Category: Business

Author Name: Amanda xzh

Last year, the Fed spent 1.7 trillion for the acquisition of long-term government bonds, agency debt and mortgage-backed securities and other securities, and U.S. benchmark interest rates at near zero levels, to stimulate the weak economy to achieve growth.

However, there are 3 foreign media reported that a large purchase of assets at the Fed, the U.S. does to lower mortgage interest rates, bond yields spreads also appear to reduce, but not in the sluggish real estate market needs to play a role.

Data show that home sales are not greater than the U.S. Federal Reserve in November 2008 announced the acquisition of mortgage-backed securities when the high, new home sales but lower. In addition, the recently published report shows that the proportion of U.S. real estate owned remained in the third quarter of the trough in 10 years, was 66.9%, which owned residential rates 67.6% lower than the same period last year, the ratio in 2004 the second quarter and fourth quarter reached a record peak of 69.2%.

Analysts pointed out that the above situation is that banks are still stepping up overdue mortgage property seized. In the mortgage market the biggest collapse since the Great Depression, due to a number of mortgage loans who can not continue to return, financial institutions have started to recover property ownership. According to data provider RealtyTrac's statistics, the U.S. banking sector closed down in the third quarter, the number of homes reached 288,345, more than 22% over last year.

"The market closed down the auction house a lot," analysts, chief financial economist at Global view Enbei Bethune, said Blair, "the economic impact of weak demand." There commentators therefore believe that the Fed launched another wave of government bonds, it would be better by QE second opportunity to acquire a house has been sealed in order to reduce the supply of housing and to stabilize the housing market. The analysis, once interest rates rise, the Fed held the bonds will suffer losses, but hold real estate is different, but there may be profit.

Last month, for alleged breach of the implementation of housing "foreclosure" operation, the nation began to banks and other financial institutions, housing mortgage loan business a joint investigation, and require banks to hold carry out the "foreclosure" business. This has investors worried about the bank's mortgage business may therefore be seriously affected.

Banks increasingly difficult to do business

The poor performance of the real estate market also hurt the U.S. banking industry, the U.S. economic recovery in the White House adviser Paul Volcker Committee, urged the United States 1 Volcker regulators required to develop clear guidelines for implementation.

This year in July, the U.S. government passed the latest financial reform bill, bill requires regulators for proprietary trading and derivatives trading and more stringent requirements. However, derivatives before the crisis is the fastest growing investment banking business of the revenue. International rating agency Standard & Poor's report released this week, said the bill would make Bank of America's largest pre-tax profit in 2010 decreased by 18% to 21%.

Problems faced by the banking industry has not only that, the Basel Committee on Banking Supervision has also drafted a new global regulatory requirements, known as Basel III, it will raise bank capital requirements, and limit leverage.

Additionally, overseas media reported 4, the end of the bank staff bonuses, Wall Street traders are usually the most abundant income. But as their incomes in this sector fell an average of 12% so far this year, their incomes have probably declined sharply.

Goldman Sachs Group, the average salary in the first nine months decreased by 26%. Goldman Sachs is headquartered in New York trading desks to create most of their income, the bank had set a 2007 record on Wall Street pay. The second-largest U.S. bank assets, JP Morgan Chase, the first nine months this year, the total annual decrease of 1.2% of salary, the average salary per employee by 8%; the bank's investment banking division, the total compensation decline by 10%.

Profitability of the banking industry will be significantly reduced, of course, risk will be substantially reduced. Decline in profitability means to be allocated to shareholders and employees to reduce the net revenue. I do think salaries will gradually shrink.

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