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主题:【原创】四面楚歌之美国篇 美国未来之大变局(之一) -- 井底望天

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家园 对于私人出资3%的疑问?

外链出处

上面是财政部的方案链接。里面举了一个例子

Sample Investment Under the Legacy Loans Program

Step 1: If a bank has a pool of residential mortgages with $100 face value that it is seeking to divest, the bank would approach the FDIC.

Step 2: The FDIC would determine, according to the above process, that they would be willing to leverage the pool at a 6-to-1 debt-to-equity ratio.

Step 3: The pool would then be auctioned by the FDIC, with several private sector bidders submitting bids. The highest bid from the private sector ?in this example, $84 ?would be the winner and would form a Public-Private Investment Fund to purchase the pool of mortgages.

Step 4: Of this $84 purchase price, the FDIC would provide guarantees for $72 of financing, leaving $12 of equity.

Step 5: The Treasury would then provide 50% of the equity funding required on a side-by-side basis with the investor. In this example, Treasury would invest approximately $6, with the private investor contributing $6.

Step 6: The private investor would then manage the servicing of the asset pool and the timing of its disposition on an ongoing basis ?using asset managers approved and subject to oversight by the FDIC.

按照上面的例子,FDIC会提供6比1比例的贷款,而这个1里面,财政部又会出一半的钱。所以最后私人投资者出7.14%,财政部出7.14%,FDIC出85.72%。

不知道我这么理解对不对?

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