房利美和房地美的道德困局

纽黑文——美国政府对抵押贷款巨人房利美和房地美公司的接管相当于为上述机构的债主提供了巨额援助,随着住宅价格继续下降,这些债主的损失像气球一样迅速地膨胀起来。但随着政府目前完全担保房利美和房地美所欠下的债务,其债权人有限的资金无法足额支付的部分将不得不由美国的纳税人来买单。

全世界最受公认的资本主义国家为什么会出现这样的救助?难道脆弱的资本主义原则没有隐含这样的理念:那就是相信房地产泡沫并投资房利美和房地美的人必须接受自己的损失?无辜的纳税人现在要为他们的错误买单到底公平不公平?

如果目前金融危机的道德问题清晰明确,上述问题的答案本来应该不言自明。但事实却不是这样。

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