受全球疫情影響,美國(guó)和全球的不平等性已經(jīng)達(dá)到了新的高度。不過(guò)不要擔(dān)心,只要有游艇,你還是可以得到所需的貸款。
《金融時(shí)報(bào)》(the Financial Times)的一則新聞報(bào)道稱(chēng),銀行巨頭瑞士信貸(Credit Suisse)已經(jīng)將一些“超高凈值”客戶(hù)的貸款與游艇和私人飛機(jī)掛鉤。如今,銀行將把這些以游艇作為抵押物的貸款出售給大型對(duì)沖基金。
《金融時(shí)報(bào)》的報(bào)道稱(chēng),自2014年以來(lái),這家借貸銀行一直在拓展其游艇抵押借貸業(yè)務(wù)。去年,這家銀行以游艇抵押的未償貸款金額已經(jīng)超過(guò)了10億美元。
然而,這一不同尋常的業(yè)務(wù)在近些年來(lái)變得搖搖欲墜,而且這些貸款也出現(xiàn)了大量的違約。2017年和2018年,瑞士信貸的游艇貸和飛機(jī)貸出現(xiàn)了12筆違約,其中約三分之一源于美國(guó)對(duì)俄羅斯財(cái)閥的制裁。
為了減少與這些貸款相關(guān)的一些風(fēng)險(xiǎn),這家銀行向多家對(duì)沖基金尋求幫助,將規(guī)模20億美元的“飛機(jī)、游艇、房產(chǎn)和/或金融資產(chǎn)”擔(dān)保貸款的一部分證券化。該交易的投資者講演材料顯示,為減少與貸款相關(guān)的高違約風(fēng)險(xiǎn),瑞士信貸給出了11%的利率。
就在瑞士信貸采取這一舉措之際,全球財(cái)富的不平等性已經(jīng)達(dá)到了新高。最近的聯(lián)合國(guó)報(bào)告顯示,不斷上升的財(cái)富不平等性如今影響了全球超過(guò)三分之二的民眾,而且還將繼續(xù)擴(kuò)大至超過(guò)全球70%的人口。從全球?qū)用鎭?lái)看,一名成年人的平均收入為23380美元,而當(dāng)前全球最富有的10%人口則拿走了52%的收入。
全球半數(shù)最窮人口的收入僅占全球總收入的8%。全球不平等實(shí)驗(yàn)室(World Inequality Lab)發(fā)布的《全球不平等報(bào)告》稱(chēng),說(shuō)到以資產(chǎn)形式持有的財(cái)富(其中包括游艇和私人飛機(jī)),全球半數(shù)最窮人口的持有量?jī)H占全球總量的2%,而最富有的10%人口則持有76%的財(cái)富。
全球第二大富豪杰夫·貝索斯最近以5億美元的天價(jià),購(gòu)買(mǎi)了一艘大型風(fēng)帆游艇。這筆錢(qián)足以支付21386人的全球年均收入。(財(cái)富中文網(wǎng))
譯者:馮豐
審校:夏林
受全球疫情影響,美國(guó)和全球的不平等性已經(jīng)達(dá)到了新的高度。不過(guò)不要擔(dān)心,只要有游艇,你還是可以得到所需的貸款。
《金融時(shí)報(bào)》(the Financial Times)的一則新聞報(bào)道稱(chēng),銀行巨頭瑞士信貸(Credit Suisse)已經(jīng)將一些“超高凈值”客戶(hù)的貸款與游艇和私人飛機(jī)掛鉤。如今,銀行將把這些以游艇作為抵押物的貸款出售給大型對(duì)沖基金。
《金融時(shí)報(bào)》的報(bào)道稱(chēng),自2014年以來(lái),這家借貸銀行一直在拓展其游艇抵押借貸業(yè)務(wù)。去年,這家銀行以游艇抵押的未償貸款金額已經(jīng)超過(guò)了10億美元。
然而,這一不同尋常的業(yè)務(wù)在近些年來(lái)變得搖搖欲墜,而且這些貸款也出現(xiàn)了大量的違約。2017年和2018年,瑞士信貸的游艇貸和飛機(jī)貸出現(xiàn)了12筆違約,其中約三分之一源于美國(guó)對(duì)俄羅斯財(cái)閥的制裁。
為了減少與這些貸款相關(guān)的一些風(fēng)險(xiǎn),這家銀行向多家對(duì)沖基金尋求幫助,將規(guī)模20億美元的“飛機(jī)、游艇、房產(chǎn)和/或金融資產(chǎn)”擔(dān)保貸款的一部分證券化。該交易的投資者講演材料顯示,為減少與貸款相關(guān)的高違約風(fēng)險(xiǎn),瑞士信貸給出了11%的利率。
就在瑞士信貸采取這一舉措之際,全球財(cái)富的不平等性已經(jīng)達(dá)到了新高。最近的聯(lián)合國(guó)報(bào)告顯示,不斷上升的財(cái)富不平等性如今影響了全球超過(guò)三分之二的民眾,而且還將繼續(xù)擴(kuò)大至超過(guò)全球70%的人口。從全球?qū)用鎭?lái)看,一名成年人的平均收入為23380美元,而當(dāng)前全球最富有的10%人口則拿走了52%的收入。
全球半數(shù)最窮人口的收入僅占全球總收入的8%。全球不平等實(shí)驗(yàn)室(World Inequality Lab)發(fā)布的《全球不平等報(bào)告》稱(chēng),說(shuō)到以資產(chǎn)形式持有的財(cái)富(其中包括游艇和私人飛機(jī)),全球半數(shù)最窮人口的持有量?jī)H占全球總量的2%,而最富有的10%人口則持有76%的財(cái)富。
全球第二大富豪杰夫·貝索斯最近以5億美元的天價(jià),購(gòu)買(mǎi)了一艘大型風(fēng)帆游艇。這筆錢(qián)足以支付21386人的全球年均收入。(財(cái)富中文網(wǎng))
譯者:馮豐
審校:夏林
Inequality in the U.S. and worldwide has reached new heights, exacerbated by a global pandemic but don’t worry—your yacht might just cover whatever loans you need
Banking giant Credit Suisse has tied some of its loans to “ultra-high-net-worth” customers to their yachts and private jets, according to a new report by the Financial Times. Now it’s selling those yacht-backed loans to big hedge funds.
The lending company has expanded its lending against yachts since 2014, according to the FT report. The company’s outstanding loans on yachts exceeded $1 billion last year.
But the unusual business has become precarious in recent years and defaults on those loans have abounded. Credit Suisse saw 12 defaults on its yacht and aircraft loans in 2017 and 2018, and about a third of those came from U.S. sanctions against Russian oligarchs, according to the FT.
In an attempt to offload some of the risk associated with those loans, the bank appealed to a group of hedge funds to securitize a portion of their $2 billion in loans backed by “jets, yachts, real estate and/or financial assets.” They offered an 11% interest rate to mitigate the high-risk of default associated with them, according to an investor presentation for the deal.
The move comes as wealth inequality has reached new highs around the world. Rising inequality now affects more than two-thirds of people worldwide, and is growing for more than 70% of the global population, according to a recent UN report. At a global level the average income for an adult is $23,380, and the richest 10% of the global population currently take home 52% of the income.
The poorest half of the global population earn just 8% of the total global income. And when it comes to wealth held in assets (which would include yachts and private jets) the poorest half of the global population owns just 2% of the global total, and the richest 10% own 76% of all wealth, according to The World Inequality Report, produced by the World Inequality Lab.
Jeff Bezos, the world’s second wealthiest man, recently purchased a large sailing yacht for an eye-popping $500 million—enough to pay the average annual global salary of 21,386 people.