Jak napravit porouchaný americký trh nemovitostí

NEW YORK – Spolehlivou známkou nefunkční tržní ekonomiky je přetrvávající nezaměstnanost. V dnešních Spojených státech nemůže najít práci na plný úvazek každý šestý člověk, který o ni má zájem. Je to ekonomika s obrovskými nenaplněnými potřebami a současně s ohromnými nevyužitými zdroji.

Trh nemovitostí je další americkou anomálií: v zemi existují statisíce lidí bez domova (v roce 2009 strávilo více než 1,5 milionu Američanů nejméně jednu noc v útulku), zatímco statisíce domů zejí prázdnotou.

Růst počtu propadlých hypoték se zrychluje. V roce 2008 přišly o domov dva miliony Američanů, v roce 2009 to bylo dalších 2,8 milionu a očekává se, že v roce 2010 bude toto číslo ještě vyšší. Naše finanční trhy fungovaly strašlivě – dobře fungující „racionální“ trhy nepůjčují lidem, kteří nemohou nebo nechtějí splácet –, a přesto byli lidé určující podobu těchto trhů odměňováni, jako by to byli finanční géniové.

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