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　　RBC金融市场的分析师吉拉德-卡西迪认为，未来三年可能会有多达300家银行倒闭，而就在2月份，卡西迪还预测会有不超过150家的银行倒闭。由于曾经集中在次级贷款上的损失扩散到了其他的曾被认为是安全的住房贷款和债务上，各家银行都面临相当压力。这也导致投资者担心抵押金融公司房地美和房利美的稳定了。印地麦克与这两家银行都没有什么联系。 

　　就在分析师们拒绝预测下一个将会是哪一家银行会倒闭的时候，几个小的出借人和一个较大的银行——华盛顿互惠(Washington Mutual)的不良贷款水平看来是已经上涨很多了，这是相对于他们的规模而言的。卡西迪表示：“你必须从他们在高危资产的最大投资程度来看待这些公司，高危资产包括建筑贷款和外来抵押贷款。能对存贷款机构盖棺定论的最后一点将会是筹资危机，届时他们将不能以合理的成本吸纳存款了。” 

　　
答案补充 
周五，在恐慌的顾客连续11个工作日提取13亿美元资金后，联邦存款保险公司兼并了印地麦克银行。事情起源于6月26日美国国会参议员查尔斯·舒默(Charles Schumer)对这家加州贷款机构的能否存活的质疑。有部分取款则是发生在7月7日印地麦克裁减其一半员工并停止大部分抵押业务之后。 

　　印地麦克曾经是专营Alt-A抵押贷款业务的，这一类贷款不需要借款人证明自己的收入和财产。该银行成立于1985年，是由创建Countryside金融公司的Angelo Mozilo 和David Loeb发起的。 

　　卡西迪表示，1980年代及前期有2000多家银行业公司倒闭，政府需也许要创建一个类似1980年代全部买进资产再重新出售的重组信托公司(Resolution Trust Corp.)清算公司。美国银行业最大的破产倒闭是1984年5月倒闭的Chicago’s Continental Illinois National Bank & Trust Co。而印地麦克的规模与1988年9月倒闭的加州Savings & Loan Association of Stockton规模差不多
黑色禁地 回答采纳率:7.1% 2008-11-20 22:15
^*_*^苗^*_*^的感言： 谢谢

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莮亾哋眼汨 回答采纳率:22.7% 2008-11-20 22:08 
Nov. 8 (Bloomberg) -- Lewis Ranieri, who helped create the mortgage-securities market in the 1980s while at Salmon Brothers Inc., became a victim of its collapse after his Houston-based bank was seized. 

Franklin Bank Corp., formed by Ranieri in 2002, was taken over by the Federal Deposit Insurance Corp., and its deposits handed over to Prosperity Bank, the FDIC said in an e-mailed statement yesterday. The failed bank's 46 offices will open as branches of Prosperity, the FDIC said. 

Ranieri, 61, a former Salomon Brothers vice chairman, formed Franklin in 2002 and over the next four years expanded the bank's lending operations. While Franklin avoided the subprime mortgage market, his firm was burned by loans to builders in California, Arizona, Florida and Michigan, where foreclosures are among the highest in the U.S. In November 2006 and again a year later, he predicted the market would get worse. 

``The subprime crisis has spread to other sectors of the housing market,'' Ranieri said in a conference call a year ago. It's ``having a significant effect on housing and builders.'' 

Franklin and Security Pacific Bank of Los Angeles became the 18th and 19th U.S. banks seized this year amid the worst housing crisis since the Great Depression. Franklin's $3.7 billion in deposits were assumed by Prosperity, and Security Pacific's $450.1 million in deposits are now controlled by San Diego-based PacWest Bancorp. All deposits from both banks are still insured, the FDIC said. 
...
Franklin's Decline 

Franklin lost more than three-fourths of its market value during 2007 as bad home and commercial loans doubled. Ranieri said in December 2006 at an industry conference that investors in mortgage-backed bonds had no idea of the risks they were taking. Ranieri's assistant said he wasn't available for comment yesterday. 
...
The U.S. closed 27 banks from October 2000 through the end of last year, according to a list at fdic.gov.
至叻星 回答采纳率:37.3% 2008-11-20 22:19