次按危機點影響經濟?次按危機英文名詞又係咩呢?

次按危機英文係 sub-prime mortgage crisis

次按姐係銀行為一d信譽評級比較差既人進行按揭貸款
因為呢批人既信譽評級, 所以亦好大機會會變成壞帳
原本銀行貸款變成壞帳的影響都唔會影響全世界
不過正因為次級按揭貸款回報率高
好多美國銀行向世界各地投資者發行債券做back up
——姐係問其他人借錢去做次按

次按問題就係因為好多次按貸款變左壞帳
令銀行唔能夠還錢比債券投資者
投資者對債券失信心，有錢都唔敢做投資
hold晒d money係手
Money Demand上升, 推高利率

另一方面, 由於銀行收唔返d壞帳
reserve減少，做唔倒effiecent既deposit creation
令Money Supply減少, 進一步推高利率

因為高利率對investment不利
令整個economy既aggregate expenditure下降
經過multiplier effect之後，aggregate expenditure會再進一步下降

減息就係上面既相反啦
減息----> 投資者借錢投資 ----> AE上升

sub prime mortgage and sub prime mortgage crisis.
Reduce in interests rate means the financial institutes have to pay less for people who deposit money into their institutes and people who borrow money from them also need to pay less. Therefore people who borrow money from the banks can spend more on other sectors such as entertainment. This can encourage spending and economic growth as a whole.

次按危機英文名詞=sub-prime crisis