Как починить сломанный американский рынок жилья

НЬЮ-ЙОРК. Отличительным признаком недееспособной рыночной экономики является устойчивый уровень безработицы. В Соединенных Штатах сегодня один из шести рабочих, кто хотел бы найти работу на полный рабочий день, не может ее найти.

Рынок жилья является еще одной аномалией: существуют сотни тысяч бездомных (более полутора миллионов американцев проводили хотя бы одну ночь в приютах в 2009 году), в то время как сотни тысяч домов остаются незанятыми.

Действительно, кредиторы все чаще вступают во владение имуществом должника. Два миллиона американцев потеряли свои дома в 2008 году и еще 2,8 миллионов в 2009 году, но ожидается, что это количество будет даже больше в 2010 г. Наши финансовые рынки сработали плохо – хорошо работающие “рациональные” рынки не субсидируют людям, которые не могут или не желают возвращать – однако те, кто управлял этими рынками, были вознаграждены за это, как будто они были финансовыми гениями.

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