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Menkul Kıymetlestirme Sirketleri Fannie Mae ve Freddie Mac Nasıl Kurtarılabilir?

Year 2011, Issue: 51, 41 - 62, 01.07.2011

Hüseyin Yılmaz

Abstract

Fannie Mae ve Freddie Mac ABD’nin devlet destekli tesebbüslerinden ikisidir. Görevleri konut finansman piyasasında likiditeyi artırmaktır. Bu iki sirket kredi kuruluslarından ipotekleri satın alarak menkul kıymetlestirme yaparak piyasada satmaktadır. Kalitesiz ipotek krizinden sonra bu iki sirketin finansal güçleri azalmıstır. Konut sahiplerinin taksitlerini ödememesi nedeniyle alacaklarını tahsil edememislerdir. Konut sahiplerinin ödemelerini yapamamalarının nedeni konut fiyatlarının düsmesidir. Đki sirketin borsa değerleri düsmeye baslamıs ve hala devam etmektedir. Bu iki sirket Eylül 2008 de devlet tarafından kurtarmak amacıyla devralınmıstır. Hazine bunlara finansal olanaklar sağlamıs, piyasa fiyatlarını stabilize etmek için menkul değerlerini satın almaya baslamıstır vb. Bu iki sirket henüz içine bulundukları zor durumdan kurtarılamamıstır.

Keywords

Fannie Mae Freddie Mac Kalitesiz Đpotek Krizi Finansal Kriz

How Can The Securitisation Companies Fannie Mae and Freddie Mac be Rescued?

Year 2011, Issue: 51, 41 - 62, 01.07.2011

Hüseyin Yılmaz

Abstract

Fannie Mae and Freddie Mac are two Government Sponsored Enterpreneurs in the U.S.A. Their mission is to increase the liquidity at the housing financing market. They buy mortgages from the credit institutions, securitise them, and sell in the markets. After the subprime mortgage crisis, the two enterpreneurs’ financial powers decreased. They could not collect their receipts because the homeowners could not pay their payments. The homeowners could not pay because of decreasing home prices. The two company’s market values started to decrease and they are still continuing to be so. In September 2008, they were taken over by the government to be rescued. The U.S Treasury provided them financing via buying their securities. They could not be rescued from the hardships they met yet.

Keywords

Fannie Mae Freddie Mac Subprime Mortgage Crisis Financial Crisis

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Details

Other ID JA62JS35BG
Journal Section Research Article
Authors

Hüseyin Yılmaz This is me

Publication Date July 1, 2011
Submission Date July 1, 2011
Published in Issue Year 2011 Issue: 51

Cite

APA Yılmaz, H. (2011). How Can The Securitisation Companies Fannie Mae and Freddie Mac be Rescued?. The Journal of Accounting and Finance(51), 41-62.
AMA Yılmaz H. How Can The Securitisation Companies Fannie Mae and Freddie Mac be Rescued?. The Journal of Accounting and Finance. July 2011;(51):41-62.
Chicago Yılmaz, Hüseyin. “How Can The Securitisation Companies Fannie Mae and Freddie Mac be Rescued?”. The Journal of Accounting and Finance, no. 51 (July 2011): 41-62.
EndNote Yılmaz H (July 1, 2011) How Can The Securitisation Companies Fannie Mae and Freddie Mac be Rescued?. The Journal of Accounting and Finance 51 41–62.
IEEE H. Yılmaz, “How Can The Securitisation Companies Fannie Mae and Freddie Mac be Rescued?”, The Journal of Accounting and Finance, no. 51, pp. 41–62, July 2011.
ISNAD Yılmaz, Hüseyin. “How Can The Securitisation Companies Fannie Mae and Freddie Mac be Rescued?”. The Journal of Accounting and Finance 51 (July 2011), 41-62.
JAMA Yılmaz H. How Can The Securitisation Companies Fannie Mae and Freddie Mac be Rescued?. The Journal of Accounting and Finance. 2011;:41–62.
MLA Yılmaz, Hüseyin. “How Can The Securitisation Companies Fannie Mae and Freddie Mac be Rescued?”. The Journal of Accounting and Finance, no. 51, 2011, pp. 41-62.
Vancouver Yılmaz H. How Can The Securitisation Companies Fannie Mae and Freddie Mac be Rescued?. The Journal of Accounting and Finance. 2011(51):41-62.