{"id":48910,"date":"2024-03-09T00:38:01","date_gmt":"2024-03-08T23:38:01","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=48910"},"modified":"2024-03-08T17:04:07","modified_gmt":"2024-03-08T16:04:07","slug":"michael-snyder-zacala-uz-bankovni-krize-roku-2024","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2024\/03\/09\/michael-snyder-zacala-uz-bankovni-krize-roku-2024\/","title":{"rendered":"Michael Snyder: Za\u010dala u\u017e bankovn\u00ed krize roku 2024?"},"content":{"rendered":"
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Byli jsme varov\u00e1ni, \u017ee dal\u0161\u00ed banky budou m\u00edt brzy hlubok\u00e9 pot\u00ed\u017ee.\u00a0Zrovna v\u010dera jsem \u0159ekl sv\u00fdm \u010dten\u00e1\u0159\u016fm, aby 11. b\u0159ezna vynulovali, proto\u017ee tehdy vypr\u0161\u00ed velmi d\u016fle\u017eit\u00fd program Feder\u00e1ln\u00edch rezerv, kter\u00fd podpo\u0159il na\u0161e banky.\u00a0Bohu\u017eel jsme ani nemuseli \u010dekat na 11. b\u0159ezna, abychom za\u010dali jednat.\u00a0Akcie New York Community Bank ve st\u0159edu r\u00e1no propadly.\u00a0Zero Hedge informoval o dramatu\u00a0<\/span>, kter\u00e9 se pr\u00e1v\u011b odehr\u00e1lo…<\/span><\/a><\/p>\n

New York Community Bancorp, kdysi mil\u00e1\u010dek n\u00e1vratu men\u0161\u00ed bankovn\u00ed krize, se propadla o 45 % na nov\u00e9 30let\u00e9 minimum pot\u00e9, co\u00a0<\/span>The Wall Street Journal ozn\u00e1mil,<\/span><\/a>\u00a0\u017ee\u00a0<\/span>se banka sna\u017e\u00ed z\u00edskat vlastn\u00ed kapit\u00e1l, aby pos\u00edlila d\u016fv\u011bru a pos\u00edlila churav\u011bj\u00edc\u00edho region\u00e1ln\u00edho v\u011b\u0159itele. .<\/span><\/strong><\/em><\/p>\n

Podle lid\u00ed obezn\u00e1men\u00fdch s touto z\u00e1le\u017eitost\u00ed vyslala NYCB bank\u00e9\u0159e, aby posoudili z\u00e1jem investor\u016f o koupi akci\u00ed spole\u010dnosti.<\/span><\/em><\/p>\n

Neexistuje \u017e\u00e1dn\u00e1 z\u00e1ruka, \u017ee dojde k dohod\u011b nebo \u017ee bude mo\u017en\u00e9 vy\u0159e\u0161it probl\u00e9my banky<\/span><\/strong>\u00a0, kter\u00e9 od st\u0159ede\u010dn\u00edho r\u00e1na zp\u016fsobily pokles ceny akci\u00ed od ledna zhruba o 80 %.<\/span><\/em><\/p>\n

Na za\u010d\u00e1tku ledna se akcie New York Community Bank prod\u00e1valy za v\u00edce ne\u017e 10 dolar\u016f.<\/span><\/p>\n

Ve st\u0159edu se v jednu chv\u00edli obchodovaly za m\u00e9n\u011b ne\u017e 2 dolary.<\/span><\/p>\n

Pro\u010d m\u00e1 tedy New York Community Bank tolik probl\u00e9m\u016f?<\/span><\/p>\n

No, bylo n\u00e1m \u0159e\u010deno, \u017ee je to proto, \u017ee “\u00a0<\/span>kvalita jejich \u00fav\u011br\u016f na komer\u010dn\u00ed nemovitosti se zhor\u0161ila“…<\/span><\/a><\/p>\n

Banka se v posledn\u00edch m\u011bs\u00edc\u00edch pot\u00e1cela v krizi pot\u00e9, co se zhor\u0161ila kvalita jej\u00edch \u00fav\u011br\u016f na komer\u010dn\u00ed nemovitosti a ratingov\u00e9 agentury sn\u00ed\u017eily jej\u00ed \u00fav\u011brov\u00fd rating na nevy\u017e\u00e1dan\u00fd status.<\/span><\/em><\/p>\n

Spole\u010dnosti opou\u0161t\u011bj\u00ed kancel\u00e1\u0159e a maloobchodn\u00ed prostory v centru m\u011bsta pot\u00e9, co Covid normalizoval pr\u00e1ci z domova a urychlil pokles n\u00e1kup\u016f v centru.<\/span><\/em><\/p>\n

Majitel\u00e9 komer\u010dn\u00edch budov tak nebyli schopni platit v\u011b\u0159itel\u016fm, jako je NYCB.\u00a0Asi 16 procent jej\u00edch \u00fav\u011br\u016f je ur\u010deno na akvizici, rozvoj a v\u00fdstavbu komer\u010dn\u00edch nemovitost\u00ed.<\/span><\/em><\/p>\n

Jin\u00fdmi slovy, New York Community Bank sed\u00ed na ho\u0159e \u0161patn\u00fdch \u00fav\u011br\u016f na komer\u010dn\u00ed nemovitosti.<\/span><\/p>\n

Ji\u017e dlouho \u0159\u00edk\u00e1m sv\u00fdm \u010dten\u00e1\u0159\u016fm, \u017ee za\u017e\u00edv\u00e1me nejv\u011bt\u0161\u00ed krizi komer\u010dn\u00edch nemovitost\u00ed v historii USA.<\/span><\/p>\n

Nyn\u00ed jsme se dostali do f\u00e1ze, kdy nikdo nem\u016f\u017ee pop\u0159\u00edt, co se d\u011bje.\u00a0Ve skute\u010dnosti miliard\u00e1\u0159 realitn\u00ed investor Barry Sternlicht \u0159\u00edk\u00e1, \u017ee\u00a0<\/span>ztr\u00e1ty<\/span><\/a>\u00a0americk\u00fdch kancel\u00e1\u0159sk\u00fdch nemovitost\u00ed\u00a0<\/span>budou \u010dinit bilion dolar\u016f…<\/span><\/a><\/p>\n

P\u0159ib\u00fdvaj\u00ed sign\u00e1ly, \u017ee komer\u010dn\u00ed nemovitosti jsou ve v\u00e1\u017en\u00fdch probl\u00e9mech.<\/span><\/em><\/p>\n

Barry Sternlicht, miliard\u00e1\u0159sk\u00fd realitn\u00ed investor a gener\u00e1ln\u00ed \u0159editel Starwood Capital, ned\u00e1vno p\u0159edpov\u011bd\u011bl ztr\u00e1ty ve v\u00fd\u0161i 1 bilionu dolar\u016f jen v kancel\u00e1\u0159sk\u00fdch nemovitostech.<\/span><\/em><\/p>\n

Jak tento t\u00fdden uvedla agentura Bloomberg, letos je splatn\u00fdch v\u00edce ne\u017e 900 miliard dolar\u016f, tedy v\u00edce ne\u017e 20 % celkov\u00e9ho dluhu americk\u00fdch komer\u010dn\u00edch a v\u00edcerodinn\u00fdch nemovitost\u00ed.\u00a0Dlu\u017en\u00edk\u016fm mo\u017en\u00e1 nezbude nic jin\u00e9ho, \u200b\u200bne\u017e refinancovat za v\u00fdrazn\u011b vy\u0161\u0161\u00ed \u00farok nebo prodat sv\u00e9 nemovitosti s velkou slevou.<\/span><\/em><\/p>\n

N\u011bco takov\u00e9ho jsme je\u0161t\u011b neza\u017eili.<\/span><\/p>\n

A to bude m\u00edt obrovsk\u00fd dopad na finan\u010dn\u00ed trhy.<\/span><\/p>\n

Podle agentury Bloomberg<\/span><\/a>\u00a0investo\u0159i do dluhopis\u016f v posledn\u00edch t\u00fddnech \u201etrestali banky s vysokou expozic\u00ed komer\u010dn\u00edm nemovitostem\u201c\u2026<\/span><\/p>\n

Dluhopisov\u00ed investo\u0159i potrestali banky velkou expozic\u00ed komer\u010dn\u00edm nemovitostem, \u010d\u00edm\u017e potenci\u00e1ln\u011b vyv\u00edjeli v\u011bt\u0161\u00ed tlak na zisky v\u011b\u0159itel\u016f, proto\u017ee Wall Street se sna\u017e\u00ed odhadnout, jak dalece bolest z dluh\u016f z nemovitost\u00ed pronikne do finan\u010dn\u00edho syst\u00e9mu.<\/span><\/em><\/p>\n

To, co jsme zat\u00edm za\u017eili, je bohu\u017eel jen za\u010d\u00e1tek.<\/span><\/p>\n

Stovky bank po cel\u00e9 zemi se top\u00ed ve \u0161patn\u00fdch \u00fav\u011brech na komer\u010dn\u00ed nemovitosti a masakr bude obrovsk\u00fd.<\/span><\/p>\n

V tuto chv\u00edli jsou ale i dobr\u00e9 zpr\u00e1vy.<\/span><\/p>\n

N\u011bjak se New York Community Bank poda\u0159ilo naj\u00edt podporovatele ochotn\u00e9\u00a0nal\u00edt\u00a0<\/span>1 miliardu dolar\u016f do probl\u00e9mov\u00e9 finan\u010dn\u00ed instituce…<\/span><\/a><\/p>\n

Akcie New York Community Bank dnes odpoledne prudce vzrostly pot\u00e9, co probl\u00e9mov\u00fd v\u011b\u0159itel ozn\u00e1mil nav\u00fd\u0161en\u00ed kapit\u00e1lu o 1 miliardu dolar\u016f a nov\u00e9 veden\u00ed.<\/span><\/em><\/p>\n

Jak NYCB ozn\u00e1mila ve st\u0159edu odpoledne, dohodla se na dohod\u011b s n\u011bkolika investi\u010dn\u00edmi firmami v\u00fdm\u011bnou za akcie region\u00e1ln\u00ed banky.<\/span><\/em><\/p>\n

Mezi tyto firmy pat\u0159\u00ed Hudson Bay Capital, Reverence Capital Partners a Liberty Strategic Capital, kterou vede b\u00fdval\u00fd americk\u00fd ministr financ\u00ed Steven Mnuchin.<\/span><\/em><\/p>\n

Bude to sta\u010dit na z\u00e1chranu New York Community Bank?<\/span><\/p>\n

Kr\u00e1tkodob\u011b si mysl\u00edm, \u017ee to pom\u016f\u017ee.<\/span><\/p>\n

Z dlouhodob\u00e9ho hlediska si ale nemysl\u00edm, \u017ee New York Community Bank p\u0159e\u017eije.<\/span><\/p>\n

Tot\u00e9\u017e by se samoz\u0159ejm\u011b dalo \u0159\u00edci o stovk\u00e1ch dal\u0161\u00edch americk\u00fdch bank.<\/span><\/p>\n

Jak jsem se\u00a0<\/span>v\u010dera<\/span><\/a>\u00a0zm\u00ednil , Kevin O’Leary ze sl\u00e1vy \u201eShark Tank\u201c je p\u0159esv\u011bd\u010den, \u017ee tis\u00edce americk\u00fdch bank v nadch\u00e1zej\u00edc\u00edch letech zkrachuj\u00ed.<\/span><\/p>\n

Mezit\u00edm se mno\u017e\u00ed zn\u00e1mky probl\u00e9m\u016f v ekonomice jako celku.<\/span><\/p>\n

Podle ned\u00e1vn\u00e9ho pr\u016fzkumu proveden\u00e9ho spole\u010dnost\u00ed ResumeBuilder 38 procent americk\u00fdch podnikatel\u016f o\u010dek\u00e1v\u00e1, \u017ee jejich spole\u010dnosti\u00a0propust\u00ed\u00a0<\/span>v roce 2024 …<\/span><\/a><\/p>\n

Rok 2024 u\u017e vypad\u00e1 ponu\u0159e.\u00a0A to je teprve \u00fanor.<\/span><\/em><\/p>\n

T\u0159icet osm procent vedouc\u00edch pracovn\u00edk\u016f v pr\u016fzkumu ResumeBuilder se domn\u00edv\u00e1, \u017ee v jejich spole\u010dnosti letos pravd\u011bpodobn\u011b dojde k propou\u0161t\u011bn\u00ed, a asi polovina uvedla, \u017ee jejich spole\u010dnost zmraz\u00ed n\u00e1bor.\u00a0ResumeBuilder hovo\u0159il s p\u0159ibli\u017en\u011b 900 vedouc\u00edmi pracovn\u00edky spole\u010dnost\u00ed s v\u00edce ne\u017e 10 zam\u011bstnanci.\u00a0Polovina dot\u00e1zan\u00fdch uvedla jako d\u016fvod obavy z recese.<\/span><\/em><\/p>\n

Dal\u0161\u00ed d\u016fle\u017eit\u00fd faktor: um\u011bl\u00e1 inteligence.\u00a0P\u0159ibli\u017en\u011b \u010dty\u0159i z 10 respondent\u016f uvedli, \u017ee propust\u00ed, aby nahradili pracovn\u00edky um\u011blou inteligenc\u00ed.\u00a0Dropbox, Google a IBM ji\u017e z tohoto d\u016fvodu ozn\u00e1mily propou\u0161t\u011bn\u00ed.<\/span><\/em><\/p>\n

Napumpov\u00e1n\u00edm bilion\u016f a\u017e bilion\u016f dolar\u016f do syst\u00e9mu byli odpov\u011bdn\u00ed pracovn\u00edci schopni po ur\u010ditou dobu udr\u017eet ekonomiku.<\/span><\/p>\n

T\u00edm ale vyvolaly\u00a0<\/span>obrovskou inflaci<\/span><\/a>\u00a0a nyn\u00ed nevyhnuteln\u00e1 imploze tak jako tak hroz\u00ed.<\/span><\/p>\n

Americk\u00e1 ekonomika m\u00e1 mnohem v\u011bt\u0161\u00ed pot\u00ed\u017ee, ne\u017e si v\u011bt\u0161ina lid\u00ed uv\u011bdomuje.<\/span><\/p>\n

Vstoup\u00edme do doby velk\u00fdch ekonomick\u00fdch ot\u0159es\u016f, proto\u017ee nejchaoti\u010dt\u011bj\u0161\u00ed volebn\u00ed obdob\u00ed v historii USA ot\u0159ese z\u00e1klady na\u0161\u00ed spole\u010dnosti.<\/span><\/p>\n

Douf\u00e1m tedy, \u017ee jste si u\u017eili \u201eklid\u201c, kter\u00fd jsme za\u017eili na za\u010d\u00e1tku tohoto roku, proto\u017ee v n\u00e1sleduj\u00edc\u00edch m\u011bs\u00edc\u00edch to bude jist\u011b velmi \u201ezaj\u00edmav\u00e9\u201c.<\/span><\/p>\n<\/div>\n<\/div>\n

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

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

Byli jsme varov\u00e1ni, \u017ee dal\u0161\u00ed banky budou m\u00edt brzy hlubok\u00e9 pot\u00ed\u017ee.\u00a0Zrovna v\u010dera jsem \u0159ekl sv\u00fdm…<\/p>\n","protected":false},"author":2,"featured_media":48911,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[503,59,683,371],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/48910"}],"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=48910"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/48910\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/48911"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=48910"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=48910"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=48910"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}