{"id":38925,"date":"2023-10-26T00:59:41","date_gmt":"2023-10-25T22:59:41","guid":{"rendered":"http:\/\/www.infokuryr.cz\/n\/?p=38925"},"modified":"2023-10-25T14:27:08","modified_gmt":"2023-10-25T12:27:08","slug":"financni-krize-je-tady-americke-banky-zaviraji-stovky-pobocek-a-propousteji-tisice-zamestnancu","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2023\/10\/26\/financni-krize-je-tady-americke-banky-zaviraji-stovky-pobocek-a-propousteji-tisice-zamestnancu\/","title":{"rendered":"Finan\u010dn\u00ed krize je tady! Americk\u00e9 banky zav\u00edraj\u00ed stovky pobo\u010dek a propou\u0161t\u011bj\u00ed tis\u00edce zam\u011bstnanc\u016f"},"content":{"rendered":"
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V\u00edm, \u017ee se toho te\u010f ve sv\u011bt\u011b hodn\u011b d\u011bje, ale o tom, co se d\u011bje s na\u0161imi bankami, jsem prost\u011b musel napsat.\u00a0Vysok\u00e9 \u00farokov\u00e9 sazby a chaos v realitn\u00ed bran\u017ei vytv\u00e1\u0159\u00ed obrovsk\u00fd tlak na na\u0161e nejv\u011bt\u0161\u00ed finan\u010dn\u00ed instituce.\u00a0V d\u016fsledku toho se banky st\u00e1vaj\u00ed velmi opatrn\u00fdmi se sv\u00fdmi pen\u011bzi, zav\u00edraj\u00ed stovky pobo\u010dek a propou\u0161t\u011bj\u00ed tis\u00edce zam\u011bstnanc\u016f.\u00a0Vstupujeme do nejhor\u0161\u00ed finan\u010dn\u00ed krize od roku 2008 a 2009 a pln\u011b o\u010dek\u00e1v\u00e1m, \u017ee se podm\u00ednky v n\u00e1sleduj\u00edc\u00edch m\u011bs\u00edc\u00edch je\u0161t\u011b zhor\u0161\u00ed.<\/span><\/p>\n

Jen v prvn\u00edm \u0159\u00edjnov\u00e9m t\u00fddnu americk\u00e9 banky uzav\u0159ely neuv\u011b\u0159iteln\u00fdch 54 m\u00edstn\u00edch pobo\u010dek…<\/span><\/p>\n

Velk\u00e9 americk\u00e9 banky pokra\u010duj\u00ed v zav\u00edr\u00e1n\u00ed pobo\u010dek po cel\u00fdch USA, tak\u017ee rostouc\u00ed po\u010det Ameri\u010dan\u016f z\u016fst\u00e1v\u00e1 bez p\u0159\u00edstupu k z\u00e1kladn\u00edm finan\u010dn\u00edm slu\u017eb\u00e1m.<\/span><\/em><\/p>\n

Bank of America uzav\u0159ela b\u011bhem prvn\u00edho \u0159\u00edjnov\u00e9ho t\u00fddne 21 pobo\u010dek, podle ozn\u00e1men\u00ed \u00da\u0159adu pro kontrolu m\u011bn (OCC) zve\u0159ejn\u011bn\u00e9ho v p\u00e1tek.<\/span><\/em><\/p>\n

Wells Fargo uzav\u0159el 15 pobo\u010dek, zat\u00edmco US Bank a Chase uzav\u0159ely dev\u011bt nebo t\u0159i.<\/span><\/em><\/p>\n

Celkem bylo uzav\u0159eno nebo pl\u00e1nov\u00e1no uzav\u0159en\u00ed mezi 1. a 7. \u0159\u00edjnem celkem 54 m\u00edst.<\/span><\/em><\/p>\n

To je jen t\u00fdden!<\/span><\/p>\n

Pobo\u010dky bank samoz\u0159ejm\u011b u\u017e n\u011bjakou dobu zav\u00edraj\u00ed alarmuj\u00edc\u00edm tempem.<\/span><\/p>\n

Loni americk\u00e9 banky zav\u0159ely o 2000 pobo\u010dek v\u00edce, ne\u017e otev\u0159ely…<\/span><\/p>\n

Banky zav\u00edraj\u00ed pobo\u010dky rychleji, ne\u017e otev\u00edraj\u00ed nov\u00e9.\u00a0Americk\u00e9 banky loni uzav\u0159ely p\u0159es 3000 pobo\u010dek a otev\u0159ely jen 1000.\u00a0Spole\u010dnost JPMorgan Chase loni uzav\u0159ela pobo\u010dky, p\u0159i\u010dem\u017e uzav\u0159ela 144 pobo\u010dek a otev\u0159ela 133.\u00a0O\u010dek\u00e1v\u00e1 se, \u017ee tento trend bude pokra\u010dovat, proto\u017ee banky \u010del\u00ed tvrd\u00e9 konkurenci o vklady a mlad\u0161\u00ed z\u00e1kazn\u00edky ze strany online bank, fintech firem a Big Tech.<\/span><\/em><\/p>\n

Pokud ne\u017eijete pod sk\u00e1lou, jsem si jist\u00fd, \u017ee jste si toho v\u0161imli i ve sv\u00e9m vlastn\u00edm prost\u0159ed\u00ed.<\/span><\/p>\n

A na\u0161e banky tak\u00e9 v leto\u0161n\u00edm roce 2023 propou\u0161t\u011bj\u00ed enormn\u00ed po\u010det zam\u011bstnanc\u016f…<\/span><\/p>\n

Nejv\u011bt\u0161\u00ed americk\u00e9 banky cel\u00fd rok v tichosti propou\u0161t\u011bj\u00ed zam\u011bstnance \u2013 a n\u011bkter\u00e9 z nejhlub\u0161\u00edch \u0161krt\u016f teprve p\u0159ijdou.<\/span><\/em><\/p>\n

I kdy\u017e ekonomika p\u0159ekvapila prognostiky svou odolnost\u00ed, v\u011b\u0159itel\u00e9 sn\u00ed\u017eili po\u010det zam\u011bstnanc\u016f nebo \u0159ekli, \u017ee budou, s jedinou v\u00fdjimkou, kterou p\u0159edstavuje JPMorgan Chase, nejv\u011bt\u0161\u00ed a nejziskov\u011bj\u0161\u00ed americk\u00e1 banka.<\/span><\/em><\/p>\n

P\u011bt nejv\u011bt\u0161\u00edch americk\u00fdch bank pod tlakem dopadu vy\u0161\u0161\u00edch \u00farokov\u00fdch sazeb na hypote\u010dn\u00ed \u00fav\u011bry, operace na Wall Street a n\u00e1klady na financov\u00e1n\u00ed letos spole\u010dn\u011b propustilo 20 000 pracovn\u00edch m\u00edst, ukazuj\u00ed firemn\u00ed z\u00e1znamy.<\/span><\/em><\/p>\n

Bankovn\u00ed sektor je v probl\u00e9mech.<\/span><\/p>\n

\"\"<\/a><\/p>\n

Velk\u00e9 obt\u00ed\u017ee.<\/span><\/p>\n

A to p\u0159ich\u00e1z\u00ed v dob\u011b, kdy se ekonomick\u00e9 podm\u00ednky neust\u00e1le zhor\u0161uj\u00ed.<\/span><\/p>\n

Ve skute\u010dnosti jsme se pr\u00e1v\u011b dozv\u011bd\u011bli, \u017ee index hlavn\u00edch ekonomick\u00fdch ukazatel\u016f Conference Board ji\u017e 18 po sob\u011b jdouc\u00edch m\u011bs\u00edc\u016f kles\u00e1…<\/span><\/p>\n

Conference Board Leading Economic Index\u00ae (LEI) pro USA klesl v z\u00e1\u0159\u00ed 2023 o 0,7 procenta na 104,6 (2016=100) po poklesu o 0,5 procenta v srpnu.\u00a0LEI klesl o 3,4 procenta za \u0161est m\u011bs\u00edc\u016f mezi b\u0159eznem a z\u00e1\u0159\u00edm 2023, co\u017e je zlep\u0161en\u00ed oproti poklesu o 4,6 procenta v p\u0159edchoz\u00edch \u0161esti m\u011bs\u00edc\u00edch (z\u00e1\u0159\u00ed 2022 a\u017e b\u0159ezen 2023).<\/span><\/em><\/p>\n

\u201eAmerick\u00fd LEI v z\u00e1\u0159\u00ed op\u011bt klesl a zaznamenal rok a p\u016fl po sob\u011b jdouc\u00edch m\u011bs\u00ed\u010dn\u00edch pokles\u016f od dubna 2022,\u201c \u0159ekla Justyna Zabinska-La Monica, vrchn\u00ed mana\u017eerka pro ukazatele hospod\u00e1\u0159sk\u00e9ho cyklu, na Conference Board.\u00a0\u201eV z\u00e1\u0159\u00ed z\u00e1porn\u00e9 nebo ploch\u00e9 p\u0159\u00edsp\u011bvky dev\u00edti z 10 slo\u017eek indexu v\u00edce ne\u017e vyrovnaly m\u00e9n\u011b po\u010d\u00e1te\u010dn\u00edch \u017e\u00e1dost\u00ed o podporu v nezam\u011bstnanosti.\u00a0P\u0159esto\u017ee r\u016fst LEI za posledn\u00edch \u0161est m\u011bs\u00edc\u016f je m\u00e9n\u011b negativn\u00ed a sign\u00e1l recese nezazn\u011bl, st\u00e1le signalizuje riziko ekonomick\u00e9ho oslaben\u00ed v budoucnu.\u00a0Ekonomika USA dosud vykazovala zna\u010dnou odolnost navzdory tlak\u016fm rostouc\u00edch \u00farokov\u00fdch sazeb a vysok\u00e9 inflaci.\u00a0Conference Board v\u0161ak p\u0159edpov\u00edd\u00e1, \u017ee tento trend nebude dlouho pokra\u010dovat a m\u00edrn\u00e1 recese je pravd\u011bpodobn\u00e1 v prvn\u00ed polovin\u011b roku 2024.<\/span><\/em><\/p>\n

Pokud je nyn\u00ed v\u0161e tak \u0161patn\u00e9, co se stane, kdy\u017e na Bl\u00edzk\u00e9m v\u00fdchod\u011b n\u00e1hle vypukne hork\u00e1 f\u00e1ze t\u0159et\u00ed sv\u011btov\u00e9 v\u00e1lky?<\/span><\/p>\n

V tuto chv\u00edli nikdo nem\u016f\u017ee tvrdit, \u017ee se ekonomika ub\u00edr\u00e1 spr\u00e1vn\u00fdm sm\u011brem.<\/span><\/p>\n

B\u011bhem prvn\u00edch dev\u00edti m\u011bs\u00edc\u016f leto\u0161n\u00edho roku byl po\u010det komer\u010dn\u00edch bankrot\u016f podle kapitoly 11 o 61 procent vy\u0161\u0161\u00ed ne\u017e ve stejn\u00e9m obdob\u00ed lo\u0148sk\u00e9ho roku…<\/span><\/p>\n

\u0160irok\u00e1 \u0161k\u00e1la americk\u00fdch spole\u010dnost\u00ed se letos pot\u00fdkala s probl\u00e9my.\u00a0Za prvn\u00edch dev\u011bt m\u011bs\u00edc\u016f roku 2023 vzrostly komer\u010dn\u00ed bankroty podle kapitoly 11 meziro\u010dn\u011b o 61 procent na 4 553, podle \u00fadaj\u016f poskytovatele bankrot\u016f Epiq Bankruptcy.<\/span><\/em><\/p>\n

61 procent! Nechte toto \u010d\u00edslo na chv\u00edli upadnout. A pr\u00e1v\u011b jsme se dozv\u011bd\u011bli, \u017ee prodeje d\u0159\u00edve ob\u00fdvan\u00fdch dom\u016f klesly na nejni\u017e\u0161\u00ed \u00farove\u0148 od roku 2010, kdy byly USA \u201euprost\u0159ed krize zabavov\u00e1n\u00ed.\u201c byly\u2026<\/span><\/p>\n

Prodeje d\u0159\u00edve ob\u00fdvan\u00fdch dom\u016f klesly v z\u00e1\u0159\u00ed od srpna o 2 procenta na sez\u00f3nn\u011b upravenou ro\u010dn\u00ed m\u00edru 3,96 milionu jednotek, podle N\u00e1rodn\u00ed asociace realitn\u00edch kancel\u00e1\u0159\u00ed.\u00a0Ve srovn\u00e1n\u00ed se z\u00e1\u0159\u00edm 2022 byly tr\u017eby o 15,4 procenta ni\u017e\u0161\u00ed.<\/span><\/em>Jedn\u00e1 se o nejpomalej\u0161\u00ed tempo prodej\u016f od \u0159\u00edjna 2010, b\u011bhem Velk\u00e9 recese, kdy se trh nach\u00e1zel uprost\u0159ed krize uzav\u0159en\u00ed trhu.\u00a0Pro srovn\u00e1n\u00ed, jen p\u0159ed dv\u011bma lety, kdy byly sazby hypot\u00e9k kolem 3 procent, se domy prod\u00e1valy za 6,6 milionu.\u00a0Pr\u016fm\u011brn\u00e1 \u00farokov\u00e1 sazba u 30let\u00e9ho fixn\u00edho vkladu je dnes podle Mortgage News Daily asi 8 procent.<\/span><\/em><\/p>\n

Pokud jde o exekuce byt\u016f, jsou o 34 procent vy\u0161\u0161\u00ed ve srovn\u00e1n\u00ed se stejn\u00fdm obdob\u00edm roku 2022…<\/span><\/p>\n

Zabavov\u00e1n\u00ed dom\u016f je na vzestupu, proto\u017ee Ameri\u010dan\u00e9 se nad\u00e1le pot\u00fdkaj\u00ed s pokra\u010duj\u00edc\u00ed kriz\u00ed n\u00e1klad\u016f.<\/span><\/em><\/p>\n

Vypl\u00fdv\u00e1 to z nov\u00e9 zpr\u00e1vy poskytovatele dat o nemovitostech ATTOM, kter\u00e1 zjistila, \u017ee exekuce \u2013 kter\u00e9 zahrnuj\u00ed ozn\u00e1men\u00ed o prodlen\u00ed, pl\u00e1novan\u00e9 exekuce a p\u0159evzet\u00ed bank \u2013 ve t\u0159et\u00edm \u010dtvrtlet\u00ed vzrostly o 28 procent na 124 539.<\/span><\/em><\/p>\n

Exekuce vzrostly oproti lo\u0148sk\u00e9mu roku o 34 procent.<\/span><\/em><\/p>\n

Nov\u00e1 ekonomick\u00e1 krize je tady.<\/span><\/p>\n

A pravdou je, \u017ee v\u011bci jsou mnohem hor\u0161\u00ed.<\/span><\/p>\n

U\u017e\u00edvejte si tedy tyto posledn\u00ed dny relativn\u00ed stability, dokud m\u016f\u017eete, proto\u017ee v\u00e1lka na Bl\u00edzk\u00e9m v\u00fdchod\u011b uvrhne celou glob\u00e1ln\u00ed ekonomiku do velk\u00fdch zmatk\u016f.<\/span><\/p>\n

Michael Snyder<\/span><\/em><\/p>\n<\/div>\n<\/div>\n

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ZDROJ<\/a><\/span><\/h3>\n<\/div>\n<\/div>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

V\u00edm, \u017ee se toho te\u010f ve sv\u011bt\u011b hodn\u011b d\u011bje, ale o tom, co se d\u011bje…<\/p>\n","protected":false},"author":2,"featured_media":38926,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[503,371,37],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/38925"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=38925"}],"version-history":[{"count":1,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/38925\/revisions"}],"predecessor-version":[{"id":38927,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/38925\/revisions\/38927"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/38926"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=38925"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=38925"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=38925"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}