美国储贷业崩溃引发保险巨额赔款

• 作 者: 刘建英
• 机 构: 中国保险国际部
• 出 处: 中国保险
• 发表日期: 1994年11期
• 关键词: 金融机构改革 负有责任 存款利息 勤旧 不动产投资 广夏 仁术 能消 孙力 八十年代

美国储贷业崩溃造成的损失相当严重.初步估计,要在未来的50年内花费赋税人大约5000亿美元.为了减少损失,美国国会于1989年通过了新法,称为“金融机构改革、追索与实施法令”.该法赋予联邦保险公司及决议委托公司的权力是,整顿、清理储贷业,并从对倒闭储贷行负有责任的管理人那里追索实际由赋税人承担的损失.

The damage caused by the collapse of the U.S. savings and loan industry was quite serious, initially estimated to cost taxpayers some 500 billion U.S. dollars in the next 50 years.In order to reduce losses, the United States Congress passed a new law in 1989 called “the reform of financial institutions, recourse And Enforcement Decree. ”The law empowers federal insurers and companies under the resolution to power the company to reorganize and liquidate the savings and loan industry and to recoup the losses actually incurred by the taxpayers from the managers responsible for the bankruptcy.