Prices

24.09.15 / News / Author: Martin
Tags: economy

‘ ‘ The capitalist economic model, ally to a quick technological development, was the base for the creation of deep complexes where if it believed to be manipulating the risk in adequate way. The consistent increase of the prices left the minorities without property. To compensate this necessity the government increased the loans with reduction in the standards. That is, he was not demanded documentation that before the low income layers needed to present to make a financing, making with that the housings of low price inflacionassem faster than of high standard. Institutions that kept the mortgages in its wallets had started to include them in deep and reselling them, therefore with the valuation sped up of the immovable ones it was a lucrative business extremely. That this yield was only proved not to be perpetual, and these deep ones of mortgage negotiated and renegotiated toram rotten papers, in the measure where the asset given as a pledge of credit (the proper property), was accurately what it was losing value. wallet manipulation of credit for the banks, made in little multicriteria way, gave beginning to a general collapse in the global economies.

From now on the used methods to mensurar the risk had passed to be questioned. Brazil was not known for strong speculation and gives credit that the impact was not high. It is intended in this study to verify if in our country it started to have this questioning on the credibility of the financial institutions. 1.1OBJETIVO GENERAL the general objective is to demonstrate to the reason and the impacts of the crisis of the mortgages subprime in the world, and as it affected the credibility of the financial system, that uses methods of standardized mensurao of risk in the whole world and, as objective I specify, to verify if it is had impact of the credibility of these institutions in Brazil, through the comparison between the risk and the cost the emissions of debentures in the period 1.