ʻO nā kālepa kālepa nā hale kūʻai o nā lawelawe kālā i ka honua.
ʻO nāʻoihana hoʻolālā a me nā uniona kālepa e like me nā hale kūʻai kūikawā i hōʻano hou i kā lākou mau laina o kaʻoihana eʻoi aku kaʻoiʻoihana no ka māhele kūʻai.
ʻOiai uaʻikeʻia nāʻaha kālā i nā hale hoʻokūkū, aia kekahi maheleʻano nui: kahi hoʻopiʻi mālama. Ua uhiʻia nā pā kālā a me nā kālepaʻoihana kalepa e FDIC, ua uhiʻia nā uniona hōʻai'ē e NCUA, akā ua uhiʻiaʻelua i ka palena hoʻokahi no kēlā me kēia hale kālā.
Nā Hui Hoʻonaʻauao
ʻO kahiʻoihana hoʻolālā he hale kālā i hoʻokumuʻia i kaʻaeʻana i nā waihona kālā o nā mea kūʻai a hana i nā moraki home. Heʻuʻuku nāʻoihana o nā'ōpana, nā pūʻulu āpau aʻaʻole hiki iā lākou ke kākoʻo a iʻole nā kumuwaiwai o kahiʻaha'āina nui. ʻO nāʻano kumu o nāʻoihana hoʻoponopono waiwai,ʻo ia nā'ake kālepa me nā hui mālama palekana a me nā hōʻai'ē.
Hoʻonui pinepine ka hoʻokūkū o nā hoʻokūkū i nā kālā (ʻoi aku ka uku ) ma mua o ka hanaʻana i nā kumukūʻai o nā'āina kūikawā a hiki i nā kumukūʻai kumukūʻai maʻamau mai nā hui e like me Federal Home Loan Banks.
ʻO nāʻoihanaʻoihana iʻoi aku ke kaiaulu ma mua o nāʻanoʻokoʻa o nāʻoihana waiwai a makemake e kau nui aku i nā mea kūʻai ma mua o nāʻoihana. Ma ke kānāwai, he 65% o kā lākou haʻawina hāʻawi kālā i laikiniʻia i loko o nā loina kākoʻo. Ma muli o ka hoʻonuiʻiaʻana o nā lawelawe kālā, ua hiki i nāʻenehana hoʻolālā ke hāʻawi i nā lawelawe hou aku i nāʻoihana.
Hōʻawi nā mea kūʻai i nā mea kūʻai i ka nui o nā mea hoʻolaha likeʻole e hiki iāʻoe ke loaʻa ma kahi kāleka, e like me ke nānāʻana i nā moʻokāki, nā waihona mālama kālā, a me nā palapala hōʻoia o ka waihona kālā, a me nā hōkei kālā e like me ka home a me nā ukana a me nā kāleka kāleka.
Mōʻaukala
Ua wehe muaʻia nā hale kūʻai o ka Hui Kūloko ma waena o ka hoʻololi waiwai a me ka hopena o ka Industrial Revolution. ʻO ka hopenaʻaʻole lākou ka mea nui loa. ʻO ko lākou pahuhopu nui ka hāʻawiʻana i nā kānaka hana i kahi paʻa e waiho ai i kekahi kālā no ka "ua ua."ʻO ka hapa nui ka mea i hoʻokumuʻia a mālamaʻia e nā poʻe o ka lehulehu i maopopo i keʻano o ka waiwai kālā a uaʻoluʻolu e kōkua i ka poʻe hana. .
Ua kūʻai nā miliona o nāʻAmelika i ka wā o ka wā ma hope o ko lākou kūʻaiʻana i nā hale me nā loina mai nā hakakā; ma ka manawa hoʻokahi ma ka lā hope, e hana ana lākou i ka hapanui o nā moraki ma ka US. Ua hoʻololiʻia me ka loli o kaʻoihana lawelawe kālā, a ua ukaliʻia e ka nalu o nā hāʻuleʻana ma nā makahiki 1980.
ʻO ka pōmaikaʻi
Mai kaʻikeʻana o nā mea kūʻai,ʻoi nui ka lanakila ma nā pāʻani:ʻoi aku ka hoihoi ma ka kūʻaiʻana o nā mea kūʻai.
Nā Manaʻo
ʻO kēia mau lā, ua hoʻopiliʻia nā laina i waena o nā hoʻolālā. ʻO nā lālā hoʻolimalima a me nā hōʻai'ē e hoʻoneʻe hou ana i ka hāʻawi kālāʻana a me ke kūkuluʻana, aʻo ka heluna nui e hoʻololi ana i nāʻauhau kūikawā.
Eia kekahi, he nui nā mea maikaʻi i ka hoʻohanaʻiaʻana, me ka hoʻohaʻahaʻa o ke kānāwai, i hoʻopauʻia ma luna o nā makahiki, i hala loa aku nei e ke kānāwai palekana kālā Dodd-Frank. ʻO kaʻoihana hoʻolālā ikaika loa. Hiki i ka paʻakikī paʻakikī keʻimi ma ka wā e hiki mai ana.