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The neoliberal immersed in the European Central Bank, the European Commission and the IMF are trying to protect the overall loss of private finance inflated by increased speculation in the history of capitalism. Hardly all this will end well.

In the midst of multiple data and statistics trillonarias billionaire and reported daily by the press covering virtually the entire world, is very easy for the common man lose sight of what actually is happening in the world economy. Despite this, in conceptual terms, everything is very simple. They also speculated from the U.S. housing market and some European countries (Spain, for example). That speculation was filtered to everyone through the financial systems globally connected. A huge financial bubble, consisting of fictitious profits, pulled away from the real economy. Its actual value was a fraction of the value.

All financial bubble burst one day. Sometimes in the stock market. Other times, when exaggerated in external financing (interest crisis in the Third World in the early 80). In general, for the speculative financial sphere reconcile with the real economy, credit holders face a certain loss. That, however, may be attenuated in the bond market where some of the losses are recoverable property and, if the person does not need to sell the shares in the short term, you can expect better market conditions but that takes years. Already in the bank debt market the situation is different.

The specificity of the current crisis is that this was the result of speculation in the heart of American and global banking system. The banks offered loans, credit risky securities packaged, mixed titles with other titles, insurance and funds sold, bought back from insurance companies and funds, and established real estate speculation from the base offering loans who could not pay. Since 2007, most experts already knew that it would not last long. Indeed, in 2008, the crisis erupted when Lehman Brothers, the fifth largest investment bank in the United States, simply broke away with billions of securities in the portfolio.

In the United States, Treasury officials and the Fed initially imagined they would be able to let the market "liberal" resolve the crisis. Immediately verified that, without official interference, the entire capitalist system, from the core banking collapse. Bank of America and Citigroup, the two largest, were in a worse situation: the government had to estatizarlos part. Then, they performed a stress test in relation to the other 17 largest commercial banking conglomerates, verifying that the Fed would have to keep their taps open subsidized credit to ensure the system running.

In the United States, despite this, after the initial cost of $ 800 billion still in the Bush administration, Where to buy Nuratrim the sustainability of the system was largely in charge of the Fed, without that subsidy should become unrecoverable. However, the system greatly benefited from financial conditions that allowed and still allow excellent conditions for arbitration: banks take money at a cost of almost zero percent of the Fed and apply it without risk, yielding Treasuries 3.5%. It is a simple electronic transaction at no cost. With that, she facilitated the process of financing required by the tax package – this, if, on account of the Treasury and the city – $ 787 billion the Obama administration, launched in early 2009.

Meanwhile, the American banking salvation is a fact that is far from being overcome. Market revolve around U.S. $ 6 trillion in mortgages, estimated that something like $ 1.5 to $ 2 trillion loss are safe when it comes due. Banks will have to renegotiate and, primarily, to achieve short-term profits or capture market resources to cover these losses, because otherwise go bankrupt. Because they are too big to fail, eventually have to be saved by the government, despite the moral hazard and the outrage of citizens who will be plundered by private speculation once again.

In Europe, the state went further commitment. Governments had to save their banks injecting billions of dollars in their cases. Some, like the British Royal Scotland Bank and Barclays had to be nationalized. The same fate had the Irish banks. In this case, to prevent their failure effectively, the State was virtually broke. In the tiny Iceland, the government, pressured by plebiscites, was mais wise: let them fail three banks, compared to GDP, were gigantic. Even in Germany's second largest bank, Commenzbank, had to be partially nationalized. Note that in the euro area, the salvation of the banks was almost completely in charge of the treasures – hence, the citizens – as the ECB is limited to the purchase of securities of governments.

The circuit of the financial crisis is thus the following: excessive speculation in the market for mortgage arrears, bankruptcy or threatened bankruptcy of the banks most exposed and most ambitious government intervention to prevent the bankruptcy of the largest ( eight medium and small were abandoned, only in the United States), programs to reduce the fiscal deficit and consequent debt of governments as a pretext to reassure the markets in terms of payment, destruction of the welfare state. That work? Of course not, just see the situation in Ireland, Portugal and Greece, all victims of adjustment programs, and all end. And no need to wait long to see the consequences of disasters arise not only in the streets of Athens, is to be seen in the rest of Europe, which you narratur fable. (From thee this story.)

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