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誘멸뎅�쓽 寃쎌젣�쐞湲곗�� 媛�怨꾨��梨�
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湲곗궗�궡�슜
It��셲 widely accepted that unscrupulous bankers tricked unknowing consumers into loans they could not afford, leading to the financial crisis. No doubt, plenty of that occurredunderscored Wednesday with a $1 billion federal suit against Bank of America��셲 mortgage arm Countrywide Financial.
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愿��젴 �쁺�긽
http://www.youtube.com/watchv=V95ucCLcE2w
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�쁺�냽�쟻�씤 遺�梨꾨줈 �쑀吏��릺�뼱 �삩 誘멸뎅寃쎌젣
怨쇱냼鍮꾩뿉 湲곗큹�븳 誘멸뎅寃쎌젣�쓽 �꽦�옣(誘멸뎅 �꽦�옣 �룞�젰=�냼鍮�)
誘멸뎅 寃쎌젣�쓽 �뙇�뫁�씠 �쟻�옄
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1.誘멸뎅 怨쇱냼鍮� 寃쎌젣�쓽 臾몄젣�젏
�엫湲� 諛� 媛�泥섎텇 �냼�뱷�쓽 利앷��媛� �븘�땶 �옄�궛(二쇱떇 諛� 二쇳깮)媛�寃� �긽�듅 諛� �떊�슜�뿉 湲곗큹�븳 �냼鍮꾩쓽 �솗��� 寃쎌젣�쟻 嫄고뭹�쓽 �삎�꽦
怨쇰룄�븳 �냼鍮꾩�� �궙��� ���異뺣쪧��� �닾�옄湲곕컲�쓣 �옞�떇 �젣議곗뾽 寃쎌웳�젰 �긽�떎
臾댁뿭�닔吏� �쟻�옄�쓽 吏��냽�쟻 �솗���
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2.誘멸뎅寃쎌젣�쓽 �뙇�뫁�씠 �쟻�옄=寃쎌긽�닔吏� �쟻�옄 + �옱�젙�쟻�옄
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蹂몃Ц��� TIME�뿉 10�썡 25�씪�뿉 �떎由� 湲곗궗
Ohio state University�쓽 Sherman D. Hanna 援먯닔�쓽 �뿰援щ�� 二쇱젣濡� �벐�뿬議뚯쓬
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�궗�엺 媛�由ъ�� �븡�뒗 遺�梨�
A newstudyfinds thathighly educatedAmericans were most ���(�깮�왂)
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FOR= 梨꾨Т�긽�솚鍮꾩슜�뿉 媛곸쥌 �옄�룞李� 由ъ뒪鍮�, 蹂댄뿕猷�, �옱�궛�꽭 �벑�쓣 �뜑�븳 寃껋쓽 鍮꾩쑉
�엫����씤�뱾��� �냼�뱷�쓽 쩌媛��웾�씠 諛섎뱶�떆 �넀�쓣 �뼚�궓
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None of this minimizes the foul play of bankers as detailed so masterfully in Michael Lewis��� The Big Short.
:�씠寃껊뱾 以� 洹� 臾댁뾿�룄 留덉씠�겢 猷⑥씠�뒪�쓽 ��쁳he big short��숈뿉�꽌 �셿踰쏀엳 臾섏궗�맂 ����뻾媛��뱾�쓽 踰붿튃 �뻾�쐞瑜� 異뺤냼�떆耳� 二쇰뒗 嫄� �븘�땲�떎.
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��쏷he big short���
�냽癒몃땲蹂쇱쓽 ����옄濡� �쑀紐낇븳 留덉씠�겢 猷⑥씠�뒪�쓽 ����꽌.
�냽�꽌釉뚰봽�씪�엫 紐④린吏� �궗�깭 諛쒕컻 �떦�떆�쓽 湲덉쑖�쉶�궗�뱾�쓽 �삤留뚰븳 �뻾�깭��� �떆�옣�쓽 紐곕씫�쓣 �삁痢≫븯�뿬 �뾼泥��궃 �룉�쓣 踰� �궗�엺�뱾�쓽 �씠�빞湲곕�� �떎猷� �끉�뵿�뀡.
�냽紐④린吏� �궗�깭�쓽 二� �썝�씤�쑝濡� CDO瑜� �뱾怨� �엳�쓬.
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Indeed, the suit against Bank of America charges that the bank��셲 home loan program, known as ��쐔he hustle,��� was designed to churn out mortgages without proper checks.
:�궗�떎, BOA�뿉 ����븳 �냼�넚��� ��섑뿀�뒳��숈씠�씪怨� �븣�젮吏� �떦 ����뻾�쓽 二쇳깮 �옄湲� �쑖�옄 �긽�뭹�씠 �젣���濡� �맂 寃��넗 �뾾�씠 ���異쒖쓣 李띿뼱�궡�룄濡� �꽕怨꾨릺�뿀�떎�뒗 �젏�쓣 怨좊컻�븯�뒗 寃껋씠�뿀�떎.
The bank would collect fees and sell the mortgages into the secondary market.
:�떦 ����뻾��� �닔�닔猷뚮�� 紐⑥쑝怨� �떞蹂대Ъ�쓣 2李� 利앷텒 �떆�옣�뿉 �뙏�젮怨� �뻽�쓣 寃껋씠�떎.
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The government alleges the program was ��쐇ntentionally designed to process loans at high speed and without quality checkpoints, and ge
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