??管ç?天ä???ç¡?è°·é?¶è?????ä¸?????????
??读æ??ç¤?/p>
ç¡?è°·é?¶è????´äº§????äº?ç¾??½å?è§?ç»?æµ?è¿?è¡?ä¸???¨ç??ä¸?äº??????ç¡?è°·é?¶è??³é??»¥??ï¼?ç¾??½ç?¸ç»§????ç¾å???¶è???å¯??½é?¶è?ç??????³é?¨å???¤å???°è±¡??è¿?å°±è???å¦???该é???è¿?ä¸?æ¥å???µï??????½ä??????´å¤§???´ç??å¸??ºæ????ï¼????³å½±???°ç??½ç??????ä½?ç³»å??¨ã??
??
å½??°æ?¶é????10?¥ï?ç¾??½å??å·???????管æ?ºæ??宣å?ï¼?????æµ??¨æ?§ä?足ä?èµ?ä¸??µå?ºâ??ï¼??³é???è°·é?¶è?ï¼????¶ä»»?½ç??½è???þ@?款ä??©å???¸ï?FDICï¼?为ç?´äº§ç®¡ç??人ã??
ç¡?è°·é?¶è???008å¹´é?????±æ?ºä»¥?¥ç??½å?³é??????大é?¶è?ï¼?ä¹????次ä?????é¡¿ä????¶è???ç¾??½å?²ä?ç¬??大ç?´äº§?¶è???
ä¸?纸å????????å´©â??ç¡?è°·é?¶è?
导è?´ç?è°·é?¶è??´äº§???´æ?¥å???????è°·é?¶è???ä¸?纸å??????å½??°æ?¶é????9?¥ï?ç¡?è°·é?¶è?çª??¶å?å¸?ï¼?为ä??¿å???´å???äº???ï¼????¶ä???¸ºäº?å¢?????º«??æµ??¨æ?§ï?å°??ºå???¶æ????????210亿ç?????????????¸ï?并å???æ¤é????18亿ç?????äº???ï¼?å®?è¿?计å????è¿??ºå???????¡å??ä¼????¡ï???èµ?22.5亿ç?????
æ¶?????ºå??ï¼?å¼???äº???èµ????????è°·é?¶è????¡ç¥¨ï¼?导è?´ç?è°·é?¶è??¡ä»·?´è???å¸??ºä?????????ç»?½¿å¾??¶è??¨æ?·æ??忧è??·±??å?款å??¨ã??为ä?è§??¿é??©ï??¨æ?·ä»¬å¼?å§?äº??????¤å????
3??9?¥å?天ï?ç¡?è°·é?¶è???款è?模就达å?°ä?420亿ç???ï¼??´ä½¿å½??¥é?¶è???è´þB?¢ç?°é?????³è?9.6亿ç??????±ä?ç¡?è°·é?¶è???æ³?å®??¨å??ä»??¨æ?·ç????款è?æ±?ï¼?导è?´ä??´äº§??
ä¸?è¿?ï¼?ç¡?è°·é?¶è???????ä»????¶ç?´äº§??导ç??´¢??ç¡?è°·é?¶è?ä¹???以ç?´äº§ï¼????¶æ?´æ·±å±?次ç????????
?´äº§??????æ·±å?????
ä¸????è°·é?¶è???ä¸??¡ä???äº?ä¼?ç»???ç¾??½é?¶è???
ç¡?è°·é?¶è???主è?客æ?·ä???????ä¸?ºº????ä¼?ä¸?ï¼???????½ç?è°·ç??????ç§???ä¼?ä¸????¶æ??èµ?人ã??ç¡?è°·é?¶è????¸å?ä¸??¡æ???¸æ?¶å????ç§???ä¼?ä¸???å?款ï?并å??é£??©æ??èµ????¸å??????ä¼?ä¸???ä¾?è´·æ???è¿?使å??¶å?¸æ?¶ç??å?款æ?¥æ?以å???¨æ?·ç????款è?为é?½æ???¶ç?¹æ??§ã??
äº???????宽æ?¾æ?¶æ??ï¼?ç¡?è°·é?¶è?????èµ?ç??¥å??´æ??????????
?°å???????´å????ï¼?ç¾????¨ä¸ºåº?对ç?æµ?è¡°é??ï¼???020å¹´è??021å¹´é?´é????äº?大è?模ç??????宽æ?¾æ?¿ç???è¿?使å?å¸??ºä?æµ??¨ç??ç¾???å¢???ï¼?å¸??ºæ??¨æ?§å??足ã??ä¸?äº?????ç§???ä¼?ä¸?å¾??°ä?èµ?????????ï¼??·å?巨大????èµ???????
????ç§???ä¼?ä¸??·å?äº?èµ?????ï¼?å°?大é??å¯?ä½?èµ???以ç????å?款ç??å½¢å?ï¼?以大çº?.25%???©ç??å??¨ç?è°·é?¶è?ï¼?è¿?导è?´ç?è°·é?¶è???å?款è?模æ?¥å?§è?¨è????2022å¹´æ???ç¡?è°·é?¶è??¸æ?¶ç??å?款è?模达?°ä?1731亿ç???ï¼?æ¯?2019å¹´æ??18亿ç?????å?款è?模大å¹?å¢?????
为ä???é«?èµ????©ç?¨ç??ï¼?ç¡?è°·é?¶è?å¼?å§??¨å?¨æ?·å?款è´ä¹°å?©ç??çº?%??ç¾??½å?½å?ºä??µæ?¼è´·æ¬¾æ????è¯??¸ï?MBSï¼???è¿??¨å??èµ?产主è¦?ä½??°å?¨é?¶è?èµ?产è??ºè¡¨ä¸?????????ºå????¸ï?AFSï¼????????????³å?°æ??è¯??¸ï?HTMï¼???ç§???¸??2022å¹´æ???ç¡?è°·é?¶è???????AFS??HTMè¯??¸æ?2019å¹´æ????¿ä?895亿ç?????è¿?说æ??ç¡?è°·é?¶è?å°??¶å?¸æ?¶ç???°å?å?款大?¨å???½æ??èµ?äº?AFS??HTMè¯??¸ä¸??
?¶è??ï¼?ç¡?è°·é?¶è????°å?å?款å?为活??å?款ï???AFS??HTMè¯??¸ç??ä¹???è¾??¿ã??è¿?ç§??????ºé?¿æ????????èµ?ç??¥ï?使å?ç¡?è°·é?¶è?产ç??äº??????????????
ä¸???????¨å??????´ç?è°·é?¶è??ºç?°æ??¨æ?§å?°é?¾å??æ½??¨ä?????
å¦???ç¾????¨ä??´ä???????宽æ?¾æ?¿ç?ï¼??£ä?ç¡?è°·é?¶è?ä¹?ä¸?ä¼??ºå¤§???????????¨ä?ï¼??±ä?大è?模ç??????宽æ?¾ï?导è?´ä?ç¾??½ç????è´§è?¨è????å±?é«?ä¸?ä¸???为ä????¶é??è´§è?¨è??ï¼?ç¾????¨å?å§?äº???ç»??????ç¨???2022年以?¥ï?ç¾????¨å·²ç»?è¿?ç»?次å????????þ@?ºé???©ç???????ºé?´å·²ä¸?????.5%??.75%ä¹??´ã??
ç¾????¨ç????ç»???????´ä?ä¸?ä¸???????
ä¸???????ç§???ä¼?ä¸?ä¸??????°æ??èµ???????ï¼??¶è??èµ?å¼?å§??ºç?°å?°é?¾ï?è¿?使å??¶ä??¶è???款ç????æ±?å¢??????¨æ?·æ??款å???导è?´ç?è°·é?¶è?2022年以?¥å?款è?模å?å§?缩å?ï¼??´ä½¿?¶æ??¨æ?§ç´§å¼???
äº????¶è??·å?å?款ç???????????2022年以?¥ï?ç¡?è°·é?¶è??¸æ?¶å?款ç???????2021å¹´ç??çº?.1%大å?ä¸?????022å¹´ç??è¶?è¿?1%??è¿?使å??¶è???è´??ºæ???????ï¼????©è?½å??ä¸?????
ä¸????¶è???????ç¾??ºå??MBSç?èµ?产ç??ä»·æ?¼å¤§å¹?ä¸???????ç»?????»¥??å¸??ºå?ç¾????¨å??次å??????é¢???ï¼?使å?å¸??ºä¸?ºå?¸æ?¶ç????ä¸?????%~7%??è¿?导è?´ç?è°·é?¶è???????çº?%?¶ç???????ºå?¸è?产å?ºç?°ä?å·¨é?è´þB?¢æµ®äº???2022å¹´æ???ç¡?è°·é?¶è???????çº?13亿ç???HTMèµ?产å??´ç??????°ä???å°±è?è¿?150亿ç?????
?¨å????º§????????ä¸?ï¼??±ä?ç¡?è°·é?¶è?没æ?????¶å¤§?¶è??£æ?·é??è¿??©ç??????ç???段大å¹???å®??©ç??é£??©ï?使å?¶ä?å¾?ä¸?以ä???ä»·æ?¼å???ºç??ºï?并å?????è¿?å¸??ºè??èµ?è¡¥å??èµ??????¶è??ï¼?å¸??ºå¹¶ä¸?认å???ä¸?计å????å°±æ???¨è?ç§??????ï¼?ç¡?è°·é?¶è??´äº§äº???
?´é?²ç??½å?è§?ç»?æµ????
ç¡?è°·é?¶è??´äº§å¼???äº?å¸??ºæ??忧ï???????ç»???延ã??äº?件å??????ï¼?ç¾??½è´¢?¿é?¨ã??ç¾????¨å??FDIC???äº?ä¸?ç³»å??åº?对æ???½ï?????¸º????å?款æ??ä¾??¨é?ä¿??¤ï?ç¾????¨å??设â???¶è?å®?????èµ?计å????ï¼?BTFPï¼??¨ä»¥åº?对é?¶è?ä¸???æµ??¨æ?§å????ç???
?????¥ç??ï¼??±ä?ç¡?è°·é?¶è??´äº§??å½±å???¢è?å°?ï¼??¶æ???????ºå?¸è?产ç??é£??©ä?è¾?å°?ï¼?????ä¸??¿å??????©ï?è¿?使å?该ä?件å???½ä?ä¼??????´å¤§???´ç???¶è??±æ?ºã??
ä½????ç¡?è°·é?¶è????´äº§????äº?ç¾??½å?è§?ç»?æµ?è¿?è¡?ä¸???¨ç??ä¸?äº??????å¦?è¿?åºþ>??????宽æ?¾ä»¥??ä¹?????é¢?ç¹??????????å¸??ºä»¥??å¾??ç»??¥ä¸»ä½???????é£??©è?大ã??ç¡?è°·é?¶è??³é??»¥??ï¼?ç¾??½ç?¸ç»§????ç¾å???¶è???å¯??½é?¶è?ç??????³é?¨å???¤å???°è±¡??è¿?å°±è???å¦???该é???è¿?ä¸?æ¥å???µï??????½ä??????´å¤§???´ç??å¸??ºæ????ï¼????³å½±???°ç??½ç??????ä½?ç³»å??¨ã??
ï¼?ä½???为ä¸?½ç¤¾ä¼?ç§?åþB?????ç»?æµ?ä¸??¿æ²»??究æ??????究å??ï¼?