Introduction:
Praise be to Allah, Lord of the Worlds, prayer and peace on the best created and oversaw Brith Abi Qasim Muhammad - peace be upon him - and on The God of the good and virtuous, and all the prophets and messengers, but after: -Fbgesa This holds the title of (financial crisis). Has addressed the definition of the financial crisis, financial crisis erupted, the causes of the financial crisis, the effects of the financial crisis, solutions and proposals to solve the problem of the financial crisis.Optional and the reason for the problem of the financial crisis is that it is one of the global problems that extended to all countries of the world and influenced by the negative and significant impact in economic terms.
Content:
Chapter One:
1. Definition of the financial crisis.
2. Outbreak of the financial crisis.
3. Causes of the financial crisis.
(The financial crisis are the implications arising from the mortgage crisis which surfaced in 2007 because of the failure of millions of borrowers to purchase homes and properties in the United States to pay their debts to banks.This led to a strong jolt to the U.S. economy, reaching consequences to the economies of Europe and Asia in the process throwing a large number of major banks and international financial institutions) (1)Failed hundreds of billions of dollars that poured in global financial markets in the end the mortgage crisis, which has been simmering under the surface even evolved into a global financial crisis, made no secret of many officials fear that the overthrow systems of global economic and reach its implications to many parts of the world.
Outbreak of the crisisCan be said that mid-September / September last saw the outbreak of the financial crisis in the United States to the extent that economic analysts and politicians saw the start of the third week of this month, "a week bloody" Historically, the U.S. economy collapsed when large financial institutions, after many years of success, and forced other institutions integration of the fear of falling, while continuing economic tsunami affects major financial institutions in Europe and Asia as a result of the inevitable association with investmentU.S. financial market.(1) Ø § Ù "i ¬ i ± i ² Zٹt © Ù † TھCauses of the global financial crisisThe reasons for the current global financial crisis to 2006 and the outbreak of the so-called "crisis of high-risk loans" made to the banking sector and the U.S. banking in a spiral of losses and disturbances, and claimed the lives of hundreds of thousands of American citizens.The crisis erupted high-risk loans because of the feet of many of the banks concerned in the real estate sector loans to hundreds of thousands of citizens with limited income, ignoring the base of caution and risk assessment.(And banks adopted this approach in the envelope marked by unprecedented growth of the real estate sector and the significant reduction of interest rates in force, which has led large numbers of Americans to a conviction that the very favorable opportunity to buy a house.With the sudden rise of interest rates in the banking markets of America, he found a large number of Americans themselves unable to repay their loans, and the number increased with the passage of months to create an atmosphere of panic in financial markets and among investors in the real estate sector.) (1)
(1) www.shobiklobik.com
The affected banks specialized in high-risk loans more than others from rising interest rates, and their impact on the status of borrowers with modest incomes.
Once the first appearance of turmoil, banks accelerated to the confiscation of hostels unable to repay the loans and sell them on the back of a sudden and severe crisis for the real estate sector is a result of falling prices by much.To address the implications of the series since the outbreak of financial crisis, credit crunch high-risk, if any central banks in the United States, Europe and Asia itself forced to move, leaving them only the choice between changing interest rates or pumping money into the banks affected.(The U.S. Federal Reserve deliberately to approach the first option, which took the initiative in many of times to lower the ratio, which fell from 5.25 percent in June 2006 to 2 percent April 2008.Not only has the U.S. government in this procedure, but chooses to go far in their quest to avoid the outbreak of the crisis, where the three decided to nationalize the big banks) (1)
ar.wikipedia.org / wiki (1)Content:
Chapter II:
1. The effects of the financial crisis.
2. Solutions and proposals to solve the problem of the financial crisis.
The effects of the financial crisis:
1 (. Sold Foundation and Washington Mutual Financial Services - the largest funds operating in the area of the U.S. savings and loan - to a JP Morgan banking giant for $ 1.9 billion.
2. U.S. investment bank (Lehman Brmarz) declared bankruptcy after the failure of the efforts of American officials in the Treasury and the U.S. Federal Reserve to rescue the bank.
3. Merrill Lynch, one of the major investment banks in the United States are forced to accept the bid from "Bank of America" for fear of bankruptcy.) (1)
4. U.S. government is working to nationalize the bulk of the activities of company, "AIG," the giant and the largest insurance company in the world, after buying the company's debt troubled $ 85 billion.
5. A sharp decline in global financial markets.
6. The British government have to intervene to save the bank, "HBOS" by the Lloyds Bank bought $ 12 billion pounds sterling.
(1) Mahmoud Abdul-Hakim (the global financial crisis) Gulf News: 01/05/2009 m number 10854.7. Tens of thousands of employees of banks and financial institutions in America and Britain are losing their jobs.
8. Price collapse of the banking, insurance, Belgian Dutch (Fortis) in the stock market because of doubts about their ability to meet its obligations.
9. Wachovia Bank - the fourth largest bank in the U.S. - the sale of Citigroup's U.S. bank in a wave of mergers in the U.S. market to cope with the consequences of the financial crisisSolutions and proposals to solve the problem of the financial crisis.(One of the proposed solutions to emerge from the crisis is the need to design an international plan characterized by consolidation and coordination of the roles of each country separately and away from the adoption of national plans independent may contribute to further deepening the crisis and its aftermath, through continuing dialogue between the key players in the global financial system, For example, could many European countries cut interest rates in the interbank market, thereby encouraging bank credit and suspension of the principle of fair market value and the prohibition of aid and incentive differential, while the countries that have surpluses, it can increase government spending and pursue other prohibition of raising taxes, the situation is the current crisis much like the so-called in the world of game theory with b »the prisoner's dilemma» prisoner Dilemma, where it is better for all parties to this game choose a strategy of cooperation and avoid choosing a strategy degrading treatment based on lack of cooperation among the parties of the game and eventually lead to losses for all parties. ) (1)
http://www.iht.com/articles/2008/08/18/business (1)
Should also review the application of standards of accuracy in the methods used to assess the financial instruments vehicle with a market capitalization of reliable especially in light of market environment characterized by scarcity of available liquidity, when the resort investors to buy financial instruments vehicles, they have to assess aspects of liquidity, and calculating the allowances appropriate to it withinThis price, should the financial institutions that hold such financial instruments as collateral to ensure that the margin determined in accordance with the likelihood of liquidity, and in general must ensure that financial institutions that the strategiesFunding for its business model has a fit, and that these strategies are able to get over difficult periods dominated by unfavorable conditions.After years of lack of spare or the allocation of reserves for debt lush-rated high, the companies implementing the process of securitization will face legislative changes it requires financial burdens higher and more comprehensive assessment, so as to require also the performance of asset-rated the highest, not just asset-rated minimum in order to restore the activity of the securitization and its recovery again.(There are some solutions that have been implemented, such as:1. Central banks in a major economies in the world, including the European Central Bank and the Bank of Japan, agreed to pump $ 180 billion in market by increasing its purchases of U.S. Treasury bonds.2. Ten international banks agree to set up a fund for liquidity with capital of $ 70 billion to address the most pressing needs, as central banks announce their consent to open the areas of credit.) (1)(1) Turkish Abdullah mso "financial crisis", Journal of Riyadh: 30/01/1398 AH, No. 3826.Conclusion:After I finished this trip, which dealt with the problem of financial crisis and its negative impact on banks, corporations and labor. Now, I will present some of the recommendations and proposals:
1. Develop a plan of an international strategy to resolve this issue Court.
2. Increase awareness of the importance and seriousness of the problem.
3. I recommend reading the newspapers because of its rich and diverse information about the problem of the current global financial crisis.
4. I recommend visiting the websites to increase the recognition of this problem.
5. Recommend follow-up news broadcasts to be familiar with the most important developments.
Sources and References:
1. Ø § Ù "i ¬ i ± i ² Zٹt © Ù † Tھ
2. www.shobiklobik.com
3. ar.wikipedia.org / wiki
4. Turki Abdullah mso "financial crisis", Journal of Riyadh: 30/01/1398 e, No. 3826
5. Mahmoud Abdul-Hakim (the global financial crisis) Gulf News: 05/01/2009 m number 10854.
6. International Herald Tribune - World News, Analysis, and Global Opinions
Introduction 1.Content: Chapter First 2Definition of the financial crisis outbreak of the crisis Finance 3Causes of the financial crisis 4_5Content: Chapter II 6The effects of the financial crisis 7_8Solutions and proposals to solve the problem of the financial crisis 8_9Conclusion 10Sources and references 11Index
Praise be to Allah, Lord of the Worlds, prayer and peace on the best created and oversaw Brith Abi Qasim Muhammad - peace be upon him - and on The God of the good and virtuous, and all the prophets and messengers, but after: -Fbgesa This holds the title of (financial crisis). Has addressed the definition of the financial crisis, financial crisis erupted, the causes of the financial crisis, the effects of the financial crisis, solutions and proposals to solve the problem of the financial crisis.Optional and the reason for the problem of the financial crisis is that it is one of the global problems that extended to all countries of the world and influenced by the negative and significant impact in economic terms.
Content:
Chapter One:
1. Definition of the financial crisis.
2. Outbreak of the financial crisis.
3. Causes of the financial crisis.
(The financial crisis are the implications arising from the mortgage crisis which surfaced in 2007 because of the failure of millions of borrowers to purchase homes and properties in the United States to pay their debts to banks.This led to a strong jolt to the U.S. economy, reaching consequences to the economies of Europe and Asia in the process throwing a large number of major banks and international financial institutions) (1)Failed hundreds of billions of dollars that poured in global financial markets in the end the mortgage crisis, which has been simmering under the surface even evolved into a global financial crisis, made no secret of many officials fear that the overthrow systems of global economic and reach its implications to many parts of the world.
Outbreak of the crisisCan be said that mid-September / September last saw the outbreak of the financial crisis in the United States to the extent that economic analysts and politicians saw the start of the third week of this month, "a week bloody" Historically, the U.S. economy collapsed when large financial institutions, after many years of success, and forced other institutions integration of the fear of falling, while continuing economic tsunami affects major financial institutions in Europe and Asia as a result of the inevitable association with investmentU.S. financial market.(1) Ø § Ù "i ¬ i ± i ² Zٹt © Ù † TھCauses of the global financial crisisThe reasons for the current global financial crisis to 2006 and the outbreak of the so-called "crisis of high-risk loans" made to the banking sector and the U.S. banking in a spiral of losses and disturbances, and claimed the lives of hundreds of thousands of American citizens.The crisis erupted high-risk loans because of the feet of many of the banks concerned in the real estate sector loans to hundreds of thousands of citizens with limited income, ignoring the base of caution and risk assessment.(And banks adopted this approach in the envelope marked by unprecedented growth of the real estate sector and the significant reduction of interest rates in force, which has led large numbers of Americans to a conviction that the very favorable opportunity to buy a house.With the sudden rise of interest rates in the banking markets of America, he found a large number of Americans themselves unable to repay their loans, and the number increased with the passage of months to create an atmosphere of panic in financial markets and among investors in the real estate sector.) (1)
(1) www.shobiklobik.com
The affected banks specialized in high-risk loans more than others from rising interest rates, and their impact on the status of borrowers with modest incomes.
Once the first appearance of turmoil, banks accelerated to the confiscation of hostels unable to repay the loans and sell them on the back of a sudden and severe crisis for the real estate sector is a result of falling prices by much.To address the implications of the series since the outbreak of financial crisis, credit crunch high-risk, if any central banks in the United States, Europe and Asia itself forced to move, leaving them only the choice between changing interest rates or pumping money into the banks affected.(The U.S. Federal Reserve deliberately to approach the first option, which took the initiative in many of times to lower the ratio, which fell from 5.25 percent in June 2006 to 2 percent April 2008.Not only has the U.S. government in this procedure, but chooses to go far in their quest to avoid the outbreak of the crisis, where the three decided to nationalize the big banks) (1)
ar.wikipedia.org / wiki (1)Content:
Chapter II:
1. The effects of the financial crisis.
2. Solutions and proposals to solve the problem of the financial crisis.
The effects of the financial crisis:
1 (. Sold Foundation and Washington Mutual Financial Services - the largest funds operating in the area of the U.S. savings and loan - to a JP Morgan banking giant for $ 1.9 billion.
2. U.S. investment bank (Lehman Brmarz) declared bankruptcy after the failure of the efforts of American officials in the Treasury and the U.S. Federal Reserve to rescue the bank.
3. Merrill Lynch, one of the major investment banks in the United States are forced to accept the bid from "Bank of America" for fear of bankruptcy.) (1)
4. U.S. government is working to nationalize the bulk of the activities of company, "AIG," the giant and the largest insurance company in the world, after buying the company's debt troubled $ 85 billion.
5. A sharp decline in global financial markets.
6. The British government have to intervene to save the bank, "HBOS" by the Lloyds Bank bought $ 12 billion pounds sterling.
(1) Mahmoud Abdul-Hakim (the global financial crisis) Gulf News: 01/05/2009 m number 10854.7. Tens of thousands of employees of banks and financial institutions in America and Britain are losing their jobs.
8. Price collapse of the banking, insurance, Belgian Dutch (Fortis) in the stock market because of doubts about their ability to meet its obligations.
9. Wachovia Bank - the fourth largest bank in the U.S. - the sale of Citigroup's U.S. bank in a wave of mergers in the U.S. market to cope with the consequences of the financial crisisSolutions and proposals to solve the problem of the financial crisis.(One of the proposed solutions to emerge from the crisis is the need to design an international plan characterized by consolidation and coordination of the roles of each country separately and away from the adoption of national plans independent may contribute to further deepening the crisis and its aftermath, through continuing dialogue between the key players in the global financial system, For example, could many European countries cut interest rates in the interbank market, thereby encouraging bank credit and suspension of the principle of fair market value and the prohibition of aid and incentive differential, while the countries that have surpluses, it can increase government spending and pursue other prohibition of raising taxes, the situation is the current crisis much like the so-called in the world of game theory with b »the prisoner's dilemma» prisoner Dilemma, where it is better for all parties to this game choose a strategy of cooperation and avoid choosing a strategy degrading treatment based on lack of cooperation among the parties of the game and eventually lead to losses for all parties. ) (1)
http://www.iht.com/articles/2008/08/18/business (1)
Should also review the application of standards of accuracy in the methods used to assess the financial instruments vehicle with a market capitalization of reliable especially in light of market environment characterized by scarcity of available liquidity, when the resort investors to buy financial instruments vehicles, they have to assess aspects of liquidity, and calculating the allowances appropriate to it withinThis price, should the financial institutions that hold such financial instruments as collateral to ensure that the margin determined in accordance with the likelihood of liquidity, and in general must ensure that financial institutions that the strategiesFunding for its business model has a fit, and that these strategies are able to get over difficult periods dominated by unfavorable conditions.After years of lack of spare or the allocation of reserves for debt lush-rated high, the companies implementing the process of securitization will face legislative changes it requires financial burdens higher and more comprehensive assessment, so as to require also the performance of asset-rated the highest, not just asset-rated minimum in order to restore the activity of the securitization and its recovery again.(There are some solutions that have been implemented, such as:1. Central banks in a major economies in the world, including the European Central Bank and the Bank of Japan, agreed to pump $ 180 billion in market by increasing its purchases of U.S. Treasury bonds.2. Ten international banks agree to set up a fund for liquidity with capital of $ 70 billion to address the most pressing needs, as central banks announce their consent to open the areas of credit.) (1)(1) Turkish Abdullah mso "financial crisis", Journal of Riyadh: 30/01/1398 AH, No. 3826.Conclusion:After I finished this trip, which dealt with the problem of financial crisis and its negative impact on banks, corporations and labor. Now, I will present some of the recommendations and proposals:
1. Develop a plan of an international strategy to resolve this issue Court.
2. Increase awareness of the importance and seriousness of the problem.
3. I recommend reading the newspapers because of its rich and diverse information about the problem of the current global financial crisis.
4. I recommend visiting the websites to increase the recognition of this problem.
5. Recommend follow-up news broadcasts to be familiar with the most important developments.
Sources and References:
1. Ø § Ù "i ¬ i ± i ² Zٹt © Ù † Tھ
2. www.shobiklobik.com
3. ar.wikipedia.org / wiki
4. Turki Abdullah mso "financial crisis", Journal of Riyadh: 30/01/1398 e, No. 3826
5. Mahmoud Abdul-Hakim (the global financial crisis) Gulf News: 05/01/2009 m number 10854.
6. International Herald Tribune - World News, Analysis, and Global Opinions
Introduction 1.Content: Chapter First 2Definition of the financial crisis outbreak of the crisis Finance 3Causes of the financial crisis 4_5Content: Chapter II 6The effects of the financial crisis 7_8Solutions and proposals to solve the problem of the financial crisis 8_9Conclusion 10Sources and references 11Index
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