Umthengisi wesitokhwe ujonge izikrini zakhe kwi-stock exchange yaseFrankfurt ngoSeptemba 16, 2008, usuku olulandelayo emva kokuba ibhanki yotyalo-mali yase-US uLehman Brothers efake isicelo sokuqhekeka.UTHOMAS LOHNES / AFP / Getty Izithombe UBen Bernanke, uTim Geithner kunye nencwadi ka-Henry Paulson esandula kupapashwa inesihloko Ukucima umlilo: Ingxaki yezeMali kunye neziFundo zayo . Andazi ukuba ngubani okhethe isihloko sesi sikhumbuzo-ababhali, umhleli, okanye isebe lezentengiso ePenguin-kodwa licebo. Cinga ngokubhabha, amadoda akhaliphileyo aqeqeshelwe ukugqobhoza uphahla olugutyungelwe lilangatye kunye nokucaba iingcango ezivuthayo ukusindisa ubomi. Inyaniso yokuba aba bathathu abenzi bemigaqo-nkqubo kunye nabalawuli bazibona bekuloo ndlela… ithi yonke into.
Ndingacebisa ukuba esinye isihloko kufaneleke ngakumbi: Ukuzilungisa: Njani kwiPanic egqibeleleyo yokuSebenza emiThathu elawulwayo yokuKhupha ubuKhapitali eMelika .
Umkhwenyana ligama lakudala elithetha abantu beesekisi abaye bakhupha ilindle lezilwanyana emva komboniso kwaye balungisa ibala lemidlalo ukuze isenzo esilandelayo siqale ngokutsha. Ayingowona msebenzi uphezulu esekisini kodwa umntu kufuneka awenze.
UBernanke, njengosihlalo weFederal Reserve, uPaulson, njengoNobhala Wezezimali, kunye noGeithner, njengomongameli weNew York Fed, babenayo yonke into yokubona imozulu engaboniyo neyisithulu ngephanyazo leNkanyamba uSandy. Bobathathu babengabadlali abaphambili njengoko iWall Street ilayishwe kuyo Ityala letyala lobambiso kunye nezinye izinto ezinobungozi. Ngaphandle kwezilumkiso, kunye nomnye uPaulson (John) obone konke oku kusiza kwaye yenza iibhiliyoni zinqongophele zona kanye izixhobo ezixhasa ezi mboleko zobuyatha, bonke abacimi-mlilo abathathu zange beve nto, akukho nto bayibonileyo, abathethi nto. Akukho sixa siphakamisayo (njengakwiiLehman Brothers) esibonakala siphezulu kakhulu nakowuphi na kubo.
Akukho lutyalo-mali lwaluyityhefu kwinkonzo yokubawa. Ubuqhetseba, ubuqhetseba obuzaliswe ziivenkile zebhakethi zokuthenga izinto, njenge Ilizwe lonke , zafunyanwa ngokungathi zizacholo zesithsaba ngamaziko ekuthiwa asengqiqweni njengeBhanki yaseMelika. Akukho nelinye ilizwi lesilumkiso elivela kwabacimi-mlilo elakhe lavakaliswa kwirekhodi. Ngapha koko, umntu unokuphikisa ukuba abathathu babefana otshisayo obeka imililo ukuze ayicime.
Ukuba lo mthendeleko wokuzibhubhisa ngemali uphantse wanciphisa uqoqosho lonke ubonakalisa ukuba iibhanki zesizwe sethu, ii-titans zaseWall Street kunye nabalawuli abanakuthenjwa. Kwakukho uloyiko lokwenyani lokuba ii-ATM ziya kuphelelwa yimali.
Kuphantse kube yinto encinci ukuba le ncwadi ingene nokuba uLehman bekufanele ukuba ukhutshiwe na, okanye i-minutia yeWashington Mutual kunye neWachovia yomoya. Ngelo xesha, abathathu babebhala iitsheki zokugubungela yonke into eshukumayo, hleze umntu onegunya elininzi aphulukane nento.
Ngaba baphumelela? Ngokuqinisekileyo bacinga njalo, nangona ndikunye noBernie Sanders (ecaphula uMartin Luther King Jr.) yile ubusoshiyali babazizityebi, ubungxowankulu babasweleyo. Nangona kunjalo, le nkqubo iqhubekile, kwaye uqoqosho, ngoku olugcwele imali, lubonakala lusisidlele kwaye lomelele. 
'Ukucima umlilo: Ingxaki yezeMali kunye neziFundo zayo' nguBen Bernanke, uTimothy Geithner noHenry Paulson.Ngokunyanisekileyo kwePenguin
Iindleko zako konke oku kucima umlilo zinkulu kakhulu. Abalwi abakwazanga ukuyigcina amawaka alishumi ukuzibulala amaxhoba anxulumene nengxaki yemali. Kwaye babengenako ukugcina i-U.S. amanqanaba ematyala kufutshane nantoni na efana nexesha labo loxolo. Aba bathathu bakhupha nje umlilo kwaye batshiza ukungabinanto kuyo yonke into nayo yonke into eyayinomsi ophuma kuyo.
Uninzi luphikisa ukuba ngaphandle kokucoceka okwenyani, amalahle aqhumayo eengxaki ezilandelayo sele ekhanya, ikakhulu ngenxa yokuba imali eshicilelweyo yaphelela ezandleni zodidi lwee-asethi ezadala ingxaki kwasekuqaleni.
Abanye I-40% yobutyebi besizwe ilawulwa ngoku ipesenti enye. Ukubuyiselwa kweStock kwindawo yexesha lonke . Isixa esikufutshane Ityala elingena-junk le-BBB ikwindawo ephezulu yeedola eziyi-2.5 yezigidi. Singaba kwimarike yemasheya kunye namabhamu aphezulu kwizindlu. Isitalato iWall sibuyele ekuphakamiseni iifemu ezilahlekayo kwimikhosi ukuya kubacuphi abafuna ipost-IPO pop.
Ekugqibeleni, into eyenziwa ngabacimi-mlilo yayikukuvumela ukuba amarhamncwa oxinzelelo lwezemali, ukungalingani kunye nokuqikelela okuxhaphakileyo kuqhubeke nokulwa ngolunye usuku. Ngapha koko, Ukuxinana kweeasethi zebhanki inkulu ngoku kunaphambi kwengxaki ka-2008.
Kodwa ke, lowo yayingumsebenzi wabo kwasekuqaleni. Abazange banikwe igunya lokutshintsha ubungxowankulu okanye ukuguqula ukubawa kweWall Street. Babengabayeni nje, bacelwe ukuba bacoce ubumdaka ukuze umboniso uqhubeke.
Ngelishwa, iinjongo zabo zafezekiswa. Kodwa inchoate, ihlala ixesha elide umsindo kukhululwe Yobutyebi be-ultra-rich, iklasi yebhanki yotyalo-mali izise utshintsho kwi-psyche yaseMelika. Inye eya kudlulela kulungiso abalwenzileyo.
