Chapter 2019: A Bankruptcy in the Eyes of an Ordinary Person (II) + BO and (Two Chapters Combined, 6000 Words)

Tom. Claire was shocked to forget the toothbrush with toothpaste in her mouth: her subprime mortgage was borrowed from the American Home Mortgage Investment Corporation, and now the tenth largest mortgage lender in the United States: the American Home Mortgage Investment Corporation has collapsed, and this incident has affected her...... Is it big?

By Tom. Claire doesn't care about it, as a native American, Tom. Claire really knows too well what kind of virtue those bankers in the United States have, and to describe them as "eating people without spitting out bones" is just a compliment to them. Claire doesn't want to know what impact yesterday's stock market shock D-ng had on her, as an alternative American who never buys stocks, Tom. Claire has always believed that stocks are even more distant from her than from the Earth to the Moon, but it is important to understand how the bankruptcy of the U.S. Home Mortgage Investment Corporation affects her.

It was at this time that Tom. Claire's phone rang at the dining table, and the unpleasant sound made Tom. Claire couldn't help but frown and scolded, "This damn vampire Lao Tzu cursed him to hell today"

Tom. Claire never imagined that her curse would be fulfilled so quickly.

This ugly ringtone is Tom. Claire is set up by the owner of the company that she works for, as a very smart "little boss" with his own truck, Tom Brown. Claire often goes out on her own to find work, this one beats Tom. Claire's phone call is Tom. One of Claire's biggest clients, of course, at Tom. From Claire's point of view, this guy is also the most angry and demanding guy, not one of them...... The stingy Buddy was only willing to give himself the minimum freight required by the American Trucking Association, and he would not pay a penny more.

Tom. Of course, Claire doesn't want to take Buddy's boss's job, but what can she do if she doesn't? The competitive pressure in the current American trucking market is also very high, and although the boss of Buddy gives him very harsh money, he still has to make money, which is already very good...... Tom. Claire knew very well that if she pushed off Buddy's job, within 10 minutes, it would spread throughout the circle of truckers in Los Angeles, and then there would be at least hundreds of truckers lining up in front of Buddy's Boss's M-N, hoping to get Buddy's job.

It is the understanding of the importance of this job for himself and for himself to support his family. Claire has a deep grudge against Buddy's boss, thinking that Buddy's boss has disturbed her rare rest time and time to reunite with her family. Claire rinsed her mouth as fast as she could, then rushed to the dining table and grabbed the telephone, and said to Boss Buddy in the most respectful tone possible, "Dear Boss Buddy, do you have anything you want me to transport for you?" ”

"My dear Claire," Buddy's boss's voice sounded frustrated and seemed weak on the phone, "I have to tell you bad news. ”

Bad news? Hearing this from Buddy's boss, Tom. Claire's heart suddenly began to sink, and she cursed Buddy's boss countless times in her heart: Damn Buddy's boss, is he trying to lower the freight rate in this way? But damn it, this price is already the lowest freight rate stipulated by the trucking association, and if the price is lower, you will face punishment from the trucking association......

"My company is out of business," continued Buddy's boss on the phone, "and as of today, the company will cease to function, so, my dear little Claire, as reluctant as I am, I have to tell you that you may not be able to get any work from me for some time to come, but rest assured, I will do my best to recommend your ...... to someone who is willing to take over my company."

Later, Buddy's boss said something, Tom. Claire couldn't hear anymore because the phone in his hand had slipped to the ground. Claire was in a mess in her heart, and there was only one thought left: Damn, wasn't Buddy's boss Buddy's business still very prosperous last week? Why did it suddenly seem that overnight, the business of the booming boss Buddy went out of business? …,

Buddy's boss is Tom. One of Claire's most important clients, Tom Brown. Claire earns more than 30 percent of her annual income from Buddy's boss, and now Buddy's boss has gone out of business. After Claire came back to her senses, she couldn't help but curse fiercely, "Really...... Shit, what the hell"

Tom. Claire doesn't suspect that Buddy's boss lied to him, because even if Buddy's boss wants to change a partner, there is no need to do so, he just needs to drive himself away, and if Buddy's boss can say that, it must be because he is bankrupt.

But Buddy's boss has such a booming business, why did he suddenly go bankrupt? After scolding indignantly in his heart, Tom. Claire thought with some confusion.

So why did Buddy's boss, whose business was originally booming, suddenly go out of business? It starts with Buddy's boss's personal hobbies.

In addition to the company's business, Buddy's favorite thing to do on weekdays is to buy and sell stocks, with his own S- vision and understanding of finance, Buddy's boss in addition to some "tuition" at the beginning, Buddy's boss has won more and lost less in the stock market in recent years, and the U.S. stock market almost every year has to contribute hundreds of thousands of dollars to Buddy's boss, which is also the most talked about thing by Buddy's boss.

Later, Boss Buddy, who thought that his attainments in stock speculation had reached the point of perfection, even tried his best to compress his company's liquidity and capital chain, and transferred as much capital as possible to invest in the stock market...... In the eyes of Buddy's boss, how can there be joy in making money from the stock market after working hard in business? Look at yourself, you only need to turn on the computer every day, click a few clicks with the mouse, and it is hundreds of thousands of dollars a year...... Boss Buddy firmly believes that after he chou transferred more funds into the stock market, he will definitely be able to make more than $1 million from the stock market this year

Among the several stocks purchased by Buddy's boss, the largest proportion of Buddy's boss is the stock of the tenth largest mortgage institution in the United States: the American Home Mortgage Investment Company, and Buddy's boss bought $550,000 of the shares of the American Home Mortgage Investment Company, which accounts for about 70% of Buddy's total cash.

Originally, everything was normal, during this period of time, the stock price of the U.S. home mortgage investment company has been rising, looking at the rising stock price, Buddy's boss ambitiously modified his money-making plan, in Buddy's boss's view, because he wisely and decisively chose the stock of the U.S. home mortgage investment company, then his income expectations this year seem to be adjusted, maybe he can make more than $1.2 million from the stock market this year?

But the day before yesterday, the tenth largest mortgage lender in the United States: the American Home Mortgage Investment Company suddenly announced bankruptcy and bankruptcy without warning. Immediately, the stock of the American Home Mortgage Investment Company in the hands of Buddy's boss changed from a price of $19.88 per share to a pile of worthless waste paper, and the stock of the American Home Mortgage Investment Company, which had appreciated from $550,000 to $670,000 in the hands of Buddy's boss, was instantly worthless, and the 70% of the money that Buddy's boss invested in the stock market was instantly lost.

It is said that Buddy's boss only lost some liquidity, and in the case that he still has some liquidity in his hands, as long as his company's capital chain and upstream and downstream manufacturers do not have problems, Buddy's boss will not lose much, at most he will lose the 550,000 US dollars, but sadly, one of Buddy's customers in the downstream happened to be unlucky in yesterday's stock market crash, so poor Buddy's products could not be sold, and the capital chain was broken instantly......

The root cause of Buddy's sudden boom in business to having to declare himself bankrupt was yesterday's sharp drop in the US stock market, and the root cause of yesterday's stock market crash was the bankruptcy and collapse of the 10th largest mortgage lender in the United States: the American Home Mortgage Investment Corporation.

Buddy Boss can't continue to Tom. Claire offers a job that means hapless Tom. Claire lost 30 of her earnings for Tom. For Claire, this is a stark fact that means that if he doesn't find a job again in two months' time, his monthly mortgage payments may become a problem...... And at that time, the damn banks will definitely not have the slightest sympathy, they will definitely unceremoniously take back their own house and auction it off...,

Hell, you can't allow such a thing to happen to Tom. Claire gritted her teeth fiercely, he decided that he would not rest today, and after breakfast, he would immediately go out to find new customers...... Poor Tom. Claire, he would never have thought that the American home mortgage investment company he borrowed money from would be the source of his economic crisis.

Particularly tragically, he is unclear whether the collapse of the 10th largest mortgage lender in the United States, the American Home Mortgage Investment Corporation, has any other impact on him.

It's not just Tom. Claire is worried about her future, and on this day, at least hundreds of thousands of people in the United States are worried about their future.

The tenth largest mortgage lender in the United States: The sudden bankruptcy of the U.S. home mortgage investment company has been caused by the bankruptcy of the U.S. home mortgage investment company caused by the U.S. stock market shock, so that many companies have been affected, so naturally, those who are most affected are those who can not take the conventional loan channel, can only take the "subprime mortgage" to buy a house in the United States S-race and minorities.

At the same time, the Republic is also paying close attention to the U.S. stock market shock D-NG and the deep meaning revealed by this abnormal stock market shock D-NG.

"Honey, there's something I want to tell ......" when Tom who has no appetite. Claire casually took a few mouthfuls of food, grabbed her mobile phone and the keys to the family car and walked out, as soon as she walked to the M-N entrance, she saw her wife Barbara walking in with a heavy expression. Claire packed up and walked out, and Barbara couldn't help but be stunned: Didn't Claire say that he was off today? Why do you want to go out so early? Puzzled, Barbara immediately swallowed what she was going to say, and asked with concern, "Honey, aren't you resting today?" Why did you get up so early? ”

According to my husband's previous habits, every week when I had a day off, my husband always had to sleep until ten o'clock, and then lazily lay at home in a daze, and I didn't come back until the afternoon to decide whether to go out of M-N, what happened to my husband today? Barbara was suspicious.

Tom. Claire smiled hard, although the family was already in danger of a family financial crisis, but before the situation finally deteriorated to the point where it could not be said, Tom. Claire wasn't prepared to let her wife know the bad news. After smiling forcefully, Tom. Claire lied to her wife, "Oh, I just remembered, when I came back last night, I thought there was something wrong with the truck's brakes, and the brakes didn't work well, which was a big problem, so I'll go see what's going on." ”

If there is a problem with the brakes, that's a big problem. Barbara, who said something to Claire, immediately nodded, "Okay, dear, you can go." ”

"Oh," said Tom preoccupied. Claire didn't notice the abnormality of his wife just now, raised her foot and walked out, and then dropped a sentence, "Honey, if the car is not in good condition, I may have to eat outside, and you and the child don't have to wait for me when you eat at noon." ”

Barbara nodded, "Got it, honey, be careful on your way......"

Look at Tom. Claire's car disappeared at the end of the community, and the smile that Barbara had just squeezed out in front of her husband disappeared without a trace, followed by a long sigh...... Just now, Barbara wanted to tell Tom. The news of Claire's own career, but when the words came to her lips, she was swallowed by Barbara.

Maybe I should go and find a new job tomorrow, right? However, I heard that there have been many unemployed people in recent times, and I am afraid that it is not easy to find a job. Barbara thought to herself, feeling a little hazy.

As the most ordinary American NV person, although Barbara has graduated from college, strictly speaking, Barbara is not considered to have a skill, and Barbara is more proud that her husband is very capable, has a truck that belongs to him, and a house of his own.

Although the truck and the house are bought with loans, now more than half of the monthly income has to be used for the mortgage and car loan, roughly calculated, the annual income of his family is only about 160,000 US dollars, plus his own NV has to go to an aristocratic kindergarten, the financial pressure is very tight every month, but now life is very smooth, and after the car loan and mortgage are repaid, the truck and the house are all their own, right? …,

However, this was Barbara's idea before yesterday, and from today, although Barbara did not know that her husband had lost his income30, Barbara's own unemployment still made Barbara feel a lot heavier burden and pressure on her shoulders...... Barbara could not have imagined that this was just the beginning, and that between now and the next few years, her family, and the United States as a whole, would face worse and worse conditions.

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The two financial regulators of the Republic: the China Securities Regulatory Commission and the China Banking Regulatory Commission, are most alarmed by the shock of the US stock market.

Although the China Securities Regulatory Commission and the China Banking Regulatory Commission are very nonsense, what is the C-O stock market, and what has become a tool for some families to accumulate wealth...... But we also have to admit that the China Banking Regulatory Commission and the China Securities Regulatory Commission have brought together the top talents of the Republic in financial and market operations, and through yesterday's abnormal shock in the U.S. stock market, the experts of the China Banking Regulatory Commission and the China Securities Regulatory Commission immediately discovered the deep things in it.

After seeing these things, all the experts of the CBRC and the CSRC immediately changed their faces and immediately reported their conclusions to the central bank, and the central bank, after getting the analysis report and conclusions of the CBRC and the CSRC, did not dare to slack off in the slightest, and after quickly verifying the report and confirming that the report was completely true, they were immediately sent to Zhongnanhai and Xiyuan as quickly as possible...... On weekdays, not all of the leaders of the republic work in Zhongnanhai.

"The thing...... Is it really that serious? Looking at the analysis report sent by the China Banking Regulatory Commission and the China Securities Regulatory Commission, Vice Premier Zhang of the State Council looked solemn -- Don't get me wrong, this Vice Premier Zhang actually has nothing to do with the Zhang family and the Alice Group, but simply has the same surname -- if the analysis report sent by the China Banking Regulatory Commission and the China Securities Regulatory Commission is basically true, then the consequences of this matter will be too serious, and this will have a bearing on the safety and yield of the trillions of US Treasury bonds purchased by the Republic

The reason why Vice Premier Zhang asked this question was not that he couldn't trust the analysis reports of the China Banking Regulatory Commission and the China Securities Regulatory Commission, but that the seriousness of the matter made him have to be cautious. As the core leadership of the Republic that knows the economy and finance best, Vice Premier Zhang is very clear about the weight of this report and its impact on the Republic.

No matter how the ordinary people outside and those so-called financial experts who think they are Jingying after learning Western financial knowledge for a few days scold the CBRC and the CSRC outside, Vice Premier Zhang knows very well that the CBRC and the CSRC are definitely the most powerful analytical institutions in the Republic in terms of finance, and Vice Premier Zhang actually understands very well that many times, the reason why the CBRC and the CSRC make a lot of decisions that look like idiots does not actually mean that their own ability is not good, but because of the influence of other factors. For example, the need for macroeconomic regulation and control of the state, the need to crack down on speculation, or the need for certain factions or a certain powerful family......

Any of these people, can afford to be provoked by the CBRC and the CSRC? Since he can't afford to provoke him, he naturally has to make some decisions that make outsiders seem almost idiotic.

"In my opinion, the people of the China Banking Regulatory Commission and the China Securities Regulatory Commission are probably still talking about the possible situation to the good," Vice Premier Zhang's staff nodded solemnly in Vice Premier Zhang's office, "In my opinion, the development of the situation should be at least 50 percent more serious than what the comrades of the China Banking Regulatory Commission and the China Securities Regulatory Commission said."

"These guys" Vice Premier Zhang just wanted to scold, but then he smiled bitterly, he can understand why those people in the China Banking Regulatory Commission and the China Securities Regulatory Commission want to say the situation lightly, I am afraid that it is the current report, or they gritted their teeth after seeing that the situation is already very serious, you know, they are writing like this, they are taking considerable risks, some old leaders, in fact, are very unaccustomed to the stock market and other "crooked m-n heresy" things, this, This can be seen from the contemptuous names of the old leaders for the stock market.

"Let's deal with this matter as soon as possible," the staff member shook his head with a wry smile, "I'm afraid that Mr. Hu has also seen this report at this time, if nothing else, Mr. Hu will convene everyone to discuss countermeasures......

Vice Premier Zhang nodded slightly, he understood the meaning of the staff's words, Brother Hu's boss estimated that he would soon let himself, the person who knew the most about economics and finance in the core leadership, ask and discuss countermeasures, before that, he had to make some preparations, otherwise when Brother Hu asked, his preparation would be insufficient...... That's just too bad.

In fact, at this time, Brother Hu was looking at the report sent by the China Banking Regulatory Commission and the China Securities Regulatory Commission, and he was frowning

The fact that the United States is about to break out into a large-scale economic crisis led by the U.S. subprime mortgage market is the core of this analysis report by the China Banking Regulatory Commission and the China Securities Regulatory Commission.

After reading this report, Hu Ge Ang reported it lightly aside, and the index finger of his right hand was unconsciously bent, gently tapping on the desktop of the desk...... This is one of Brother Hu's signature x-ng moves, and whenever Brother Hu encounters some tricky problems, he will do it.

The problem that really worries Brother Hu is not the impact of the US stock market under the influence of the US subprime mortgage crisis and the impact on China's stock market, but the impact of the financial crisis that will soon break out in the United States on the US Treasury bonds held by the Republic of China amounting to trillions of dollars.

As the world's largest holder of U.S. Treasury bonds, it is not polite to say that if there is a huge shock in the U.S. economy, it will directly affect the yield of U.S. Treasury bonds held by the Republic...... With such a large amount of US national debt, even a slight movement would be a huge loss for the Republic