案例分析例子-雷曼兄弟的案例分析 Introduction 经济代写

Introduction

介绍

雷曼兄弟的案例分析 The case identifies the reasons why Lehman Brothers, being one of the best investment banks, became victim to the subprime mortgage

The case that I have selected to analyze and comment upon is that of the Lehman Brothers.

The case identifies the reasons why Lehman Brothers, being one of the best investment banks, became victim to the subprime mortgage issue, and eventually had to file for bankruptcy. It is also very importance to note the various factors why this happened. When the bubble burst in the US economy, the primary reason was that loans were provided to any and everybody without proper documentation. Many people defaulted on making their payments, and due to this, the company went into immense debt.

Even though the government could have bailed the bank out of its debt. Before it filed for bankruptcy, however, it did not. The economy at that time started declining, many companies faced similar issues that of Lehman Brothers. and the main reason that banks failed was because there was no proper check and balance before loans were given to the borrowers.

Lehman’s operations were subject to supervision by a number of governmental and industry organizations, including its primary regulator, the SEC, the Chicago Mercantile Exchange (CME).  Which regulated certain derivatives, the Office of Thrift Supervision.  Which supervised Lehman’s thrift subsidiary, and the New York Federal Reserve Bank (NYFED) (Wiggins, Pointec, Metrick, 2014). Once the company files for bankruptcy, many questions were raised regarding the efficiency of the oversight by the aforementioned agencies. Even though the NYFED and SEC stepped up the investigation of other banks after the collapse of Bear Stearns, and they received reports regarding Lehman Brothers liquidity, liabilities. And leverage, neither of them took actions that could have prevented this outcome. Perhaps, they never expected this to happen, however, many preventive measures could have been taken, yet they weren’t.

我选择分析和评论的案例是雷曼兄弟的案例。

该案查明了作为最好的投资银行之一的雷曼兄弟成为次级抵押贷款问题的受害者并最终不得不申请破产的原因。注意到发生这种情况的各种因素也非常重要。当美国经济泡沫破灭时，主要原因是在没有适当文件的情况下向所有人提供贷款。许多人拖欠付款，因此，公司负债累累。

尽管政府本可以帮助银行摆脱债务。然而，在它申请破产之前，它并没有。当时经济开始下滑，很多公司都面临着雷曼兄弟类似的问题。而银行倒闭的主要原因是在向借款人发放贷款之前没有适当的制衡。雷曼兄弟的案例分析

雷曼兄弟的业务受到许多政府和行业组织的监管，包括其主要监管机构美国证券交易委员会、芝加哥商品交易所 (CME)。其中监管某些衍生品的，是节俭监管办公室。其中监管雷曼兄弟的储蓄子公司和纽约联邦储备银行 (NYFED)（Wiggins、Pointec、Metrick，2014 年）。公司申请破产保护后，上述机构的监管效率受到诸多质疑。尽管在贝尔斯登倒闭后，NYFED 和 SEC 加强了对其他银行的调查，并且他们收到了有关雷曼兄弟流动性、负债的报告。和杠杆作用，他们都没有采取可以阻止这种结果的行动。或许，他们万万没想到会发生这种事，然而，本来可以采取很多预防措施的，但他们没有。

In my opinion, the aforementioned agencies should have raised the alarm much in advance so that this outcome could have been prevented.

I would be applying virtue ethics in this scenario, which states that an action is right if and only if it is what a virtuous agent would, characteristically.  Do in the circumstances (Virtue Ethics). The right action should have been taken.  And it was unethical for both the companies involved in assessing the performance of the bank to refrain from taking the right actions. Even the government could have intervened and prevented things from turning out the way they did. Yet, there wasn’t any action taken, until it was too late, and even then.  There was no proactive support for Lehman Brothers from the involved parties.

在我看来，上述机构应该提前发出警报，以便可以防止这种结果。雷曼兄弟的案例分析

在这种情况下，我将应用美德伦理学，它指出，当且仅当一个行为是正确的，当且仅当它具有美德的行为特征时。 在这种情况下做（美德伦理）。 应该采取正确的行动。 参与评估银行业绩的两家公司都避免采取正确的行动，这是不道德的。 即使是政府也可以进行干预并阻止事情发展成他们所做的那样。 然而，没有采取任何行动，直到为时已晚，即使如此。 相关各方没有对雷曼兄弟的积极支持。

References

Case Study: The Collapse of Lehman Brothers, retrieved 2-2-2018 from;

https://www.investopedia.com/articles/economics/09/lehman-brothers-collapse.asp

Rosalind Hurthouse, Virtue Ethics and Human Nature, retrieved 2-2-2018 from;

http://www.humesociety.org/hs/issues/v25n1-2/hursthouse/hursthouse-v25n1-2.pdf

Rosalind Z. Wiggins, Thomas Piontek, Andrew Metrick, 2014, The Lehman Brothers Bankruptcy, retrieved 2-2-2018 from;

http://som.yale.edu/sites/default/files/files/001-2014-3A-V1-LehmanBrothers-A-REVA.pdf

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