Menkul kıymetleştirme şirketleri fannie mae ve freddiemac nasıl kurtarılabilir? 1

Fannie Mae ve Freddie Mac ABDnin devlet destekli teşebbüslerinden ikisidir. Görevlerikonut finansman piyasasında likiditeyi artırmaktır. Bu iki şirket kredi kuruluşlarından ipotekleri satınalarak menkul kıymetleştirme yaparak piyasada satmaktadır. Kalitesiz ipotek krizinden sonra bu ikişirketin finansal güçleri azalmıştır. Konut sahiplerinin taksitlerini ödememesi nedeniyle alacaklarınıtahsil edememişlerdir. Konut sahiplerinin ödemelerini yapamamalarının nedeni konut fiyatlarınındüşmesidir. Đki şirketin borsa değerleri düşmeye başlamış ve hala devam etmektedir. Bu iki şirketEylül 2008 de devlet tarafından kurtarmak amacıyla devralınmıştır. Hazine bunlara finansal olanaklar sağlamış, piyasa fiyatlarını stabilize etmek için menkul değerlerini satın almaya başlamıştır vb. Bu iki şirket henüz içine bulundukları zor durumdan kurtarılamamıştır.

How can the securitisation companies fannie mae and freddie mac be rescued?

Fannie Mae and Freddie Mac are two Government Sponsored Enterpreneurs in the U.S.A.Their mission is to increase the liquidity at the housing financing market. They buy mortgages fromthe credit institutions, securitise them, and sell in the markets. After the subprime mortgage crisis, thetwo enterpreneurs financial powers decreased. They could not collect their receipts because thehomeowners could not pay their payments. The homeowners could not pay because of decreasinghome prices. The two company s market values started to decrease and they are still continuing to beso. In September 2008, they were taken over by the government to be rescued. The U.S Treasuryprovided them financing via buying their securities. They could not be rescued from the hardships theymet yet.

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