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[转贴] 说说为什么我不敢上金融

热度 15已有 857 次阅读2010-10-2 03:06 AM |

发信人: kelvinchufei (Kelvin), 信区: Stock
标  题: 说说为什么我不敢上金融
发信站: BBS 未名空间站 (Fri Oct  1 15:38:25 2010, 美东)

今天听广播,JPM has suspended the legal proceedings around 50,000 
foreclosures because the documents involved may have been processed 
incorrectly. GMAC一周以前也作出了相应决定。

http://www.khq.com/Global/story.asp?S=13244118

The decision is the latest signal of a potentially massive stall in the 
nation's foreclosure process. 

是什么过程?

1. 政府在过去的2年中因为政治因素对银行施压,要求银行在考虑foreclosure的时候慎之又慎,以免造成社会动荡

2. 以上政治考虑使得原本应该于6个月内完成的foreclosure程序拖延至12-24个月的平均处理时间

3. 现在银行号称因为人手不够,因此没法处理如此多的foreclosure case,以至于有些文案有法律争议,需要重审。

有什么意义?

1. 对政府而言,无家可归的人少了,尽管很多房子理论上应该被银行foreclose,但是相关法律文件不全,银行不会赶人

2. 对银行而言,应该出现在审计年报中的当年资产调整可以不显示出来,坏账数目可以被人为推延公布,甚至可以在以后经济转好的情况下,直接财务抵消

3. 理论上,银行可以通过控制对foreclose case的处理速度,非常灵活的调整财务数据

直接造成的结果便是,金融股价格不确定性很大,有很大一块灰色的区域。

以上是我的一些看法,欢迎拍砖。


发信人: caorui (ruicao), 信区: Stock
标  题: Re: 说说为什么我不敢上金融
发信站: BBS 未名空间站 (Fri Oct  1 15:59:56 2010, 美东)

late payment ,3-month late, 6month late 的数据qr都要公布的,然后reserve就是
根据这些数据决定的。去看看银行的qr就知道怎么回事, 不要再这里空想。


发信人: kelvinchufei (Kelvin), 信区: Stock
标  题: Re: 说说为什么我不敢上金融
发信站: BBS 未名空间站 (Fri Oct  1 16:04:23 2010, 美东)

http://banktracker.investigativereportingworkshop.org/banks/ohio/columbus/jpmorgan-chase-bank-national-association/

参见
Loan loss provision
Loans 90 days or more past due

花样可能就在Loan loss provision这一块了

发信人: kelvinchufei (Kelvin), 信区: Stock
标  题: Re: 说说为什么我不敢上金融
发信站: BBS 未名空间站 (Sat Oct  2 00:17:10 2010, 美东)

Bank of America to Freeze Foreclosure Cases

Bank of America, the country’s largest mortgage lender by assets, said on 
Friday that it was reviewing documents in all foreclosure cases now in court
to evaluate if there were errors. 

It is the third major lender in the last two weeks to freeze foreclosures in
the 23 states where the process is controlled by courts. 

But Bank of America went further than the first two lenders, GMAC Mortgage 
and JPMorgan Chase, which have said they will amend paperwork only in cases 
they think were improperly done. So far, that has amounted to only a handful
of cases.

Bank of America, in an e-mailed statement, said it would “amend all 
affidavits in foreclosure cases that have not yet gone to judgment.” 
--

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发表评论 评论 (2 个评论)

回复 sandera 2010-10-2 09:17 AM
初入股市的我,瞎说一下我的看法:
股市本是充满变数之地,而金融又是这几年内相对变数最大的一类股,所以,金融股不适合我,我不会炒这类股.
回复 linday 2010-10-2 09:38 AM
Bac also suspected foreclosure process.
I heard people fill many forms without reading them, which is the major reason for suspension

facelist doodle 涂鸦板

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