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Презентация на тему Global financial crisis

The financial crisis of 2007–08, also known as the global financial crisis and 2008 financial crisis, is considered by many economists to have been the worst financial crisis since the Great Depression of the 1930s
Global financial Crisis Alona Shuliachynska The financial crisis of 2007–08, also known as the global financial crisis and 2008 financial crisis, Why the financial crisis of 2008 happened ? What is subprime lending MortgageTo explained what happened , First we have to do a quick Every month, the homeowner has to pay back a portion of the In the 2000s, investors in the U.S. and abroad looking for a Global investors didn't want to just buy up some individuals mortgage. Instead, “I thought we were just buying a house” But these new sub-prime lending practices were brand new. These investment Borrowing decisions by individualsHousing Bubble FormationLending decision by Financial Institutions As this was happening the big financial institutions stopped buying sub-prime When something terrible happens, people naturally look for someone to blame. In But the thing to remember about this massive systemic failure, is that Results How to stay updated  Read financial Newspapers Read magazines like The   Result – Mortgage Market  The housing bubble burst Investors OMG Sub prime borrower    ------ Investment BankNationalizedBankrupt LEARNINGTHINK BEFORE YOU ACT !!!
Слайды презентации

Слайд 2 The financial crisis of 2007–08, also known as the global

The financial crisis of 2007–08, also known as the global financial crisis and 2008 financial

financial crisis and 2008 financial crisis, is considered by many economists

to have been the worst financial crisis since the Great Depression of the 1930s

Слайд 3 Why the financial crisis of 2008 happened ?
What

Why the financial crisis of 2008 happened ? What is subprime

is subprime lending ?

The answer is simple : The

housing bubble burst ( U.S. subprime mortgage crisis)

Subprime lending means giving loans to people who may have difficulty in maintaining the repayment schedule. These loans are characterized by higher interest rates, poor quality collateral, and less favorable terms in order to compensate for higher credit risk.
Example: student loans in India are considered to be subprime.


Слайд 4 Mortgage
To explained what happened , First we have

MortgageTo explained what happened , First we have to do a

to do a quick explained about mortgages. Basically someone

that want to buy a house will often borrow hundreds of thousand of dollars from a bank. In return, the bank gets a piece of paper, called a mortgage.

Слайд 6 Every month, the homeowner has to pay back

Every month, the homeowner has to pay back a portion of

a portion of the principle, plus interest to whoever

holds the piece of paper. If you stop paying, that's called a default

Traditionally, it was pretty hard to get a mortgage if you had bad credit or didn't have a steady job. Lenders just didn't want to take the risk that you might “default” on your loan but all that started to change in the 2000s.


Слайд 7 In the 2000s, investors in the U.S. and

In the 2000s, investors in the U.S. and abroad looking for

abroad looking for a low risk, high return investment

started throwing their money at the U.S. housing market.

Слайд 8 Global investors didn't want to just buy up

Global investors didn't want to just buy up some individuals mortgage.

some individuals mortgage. Instead, they bought investments called mortgage

backed-securities. At the same time, credit ratings agencies were telling investors these mortgage backed-securities were safe investments. Anyway, investors were desperate to buy more of these securities. So, lenders did their best to help create more of them. But to create more of them, they needed more mortgages. So lenders loosen their standards and made loans to people with low income and poor credit.

Слайд 9 “I thought we were just buying a house”

“I thought we were just buying a house”

Слайд 10
But these new sub-prime lending practices were brand

But these new sub-prime lending practices were brand new. These

new. These investment were becoming less and less safe

all the time. But investors trusted the ratings, and kept pouring in their money.
While, the investors and traders and bankers were throwing money into the U.S. housing market, the U.S. price of homes was going up and up and up. People just couldn't pay for their incredibly expensive houses, or keep up with their ballooning mortgage payments.

Слайд 11 Borrowing decisions by individuals
Housing Bubble Formation
Lending decision by

Borrowing decisions by individualsHousing Bubble FormationLending decision by Financial Institutions

Financial Institutions


Слайд 12
As this was happening the big financial institutions

As this was happening the big financial institutions stopped buying

stopped buying sub-prime mortgages and sub-prime lenders were getting

stuck with bad loans. By 2007, some really big lenders had declared bankruptcy. The problem spread to the big investors, they started losing money on their investments.

Слайд 13 When something terrible happens, people naturally look for

When something terrible happens, people naturally look for someone to blame.

someone to blame. In the case of the 2008

financial crisis no one had to look very far because the blame and the pain was spread throughout the U.S. economy. The government failed to regulate and supervise the financial system The financial industry failed. Everyone in the system was borrowing too much money and taking too much risk, from the big financial institutions to individual borrowers. The institutions were taking on huge debt lads to invest in risky assets. And huge numbers of home owners were taking on mortgages they couldn't afford.

Слайд 14 But the thing to remember about this massive

But the thing to remember about this massive systemic failure, is

systemic failure, is that it happened in a system

made up of humans, with human failing. Some didn't understend what was happening. Some willfully ignored the problems. And some were simply unethical, motivated by the massive amounts of money involved.

Слайд 15 Results

Results

Слайд 16 How to stay updated
Read financial Newspapers
Read

How to stay updated Read financial Newspapers Read magazines like The

magazines like The Economist, BusinessWeek, Business Today
read relevant websites
INVEST

YOUR TIME before YOUR MONEY


Слайд 17   Result – Mortgage Market The housing bubble burst

  Result – Mortgage Market The housing bubble burst

Слайд 18 Investors
OMG

Investors OMG

Слайд 19
Sub prime borrower ------ Leaving home

Sub prime borrower  ------ Leaving home

Слайд 20 Investment Bank
Nationalized
Bankrupt

Investment BankNationalizedBankrupt

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