Lub tuam txhab Tshooj 11 daim ntawv thov kev lag luam poob rau hnub Friday yog lwm qhov kev txhim kho hauv kev lag luam nyiaj txiag uas cuam tshuam cov lag luam lag luam thiab siv cov lus nug rau cov tuam txhab nyiaj txiag kev noj qab haus huv.
Tom qab cov ntaub ntawv poob nyiaj poob qis thaum muaj kev sib kis, lawv puas rov qab los?
Nyob rau lub Ib Hlis, cov neeg tau txais kev pabcuam tshiab thiab cov ntaub ntawv ua lag luam tau nce 19% nyob rau tib lub sijhawm xyoo tas los rau 31,087. Thaum Lub Ob Hlis, lawv tau nce 18% rau 31,889.
Cov ntaub ntawv tau muab tso ua ke los ntawm Epiq Bankruptcy, kev lag luam kev lag luam kev lag luam ntawm Epiq, lub tuam txhab kev pabcuam kev cai lij choj, thiab American Bankruptcy Institute, lub koom haum tshaj lij rau kws lij choj, tus accountants, kws txiav txim plaub, xibfwb thiab lwm tus hauv kev lag luam poob nyiaj txiag.
"'Kev ua lag luam muaj zog yog pab tau rau tib neeg. Qhov txiaj ntsig zoo tshaj yog kev ua lag luam uas them nyiaj rau tib neeg cov nyiaj hli uas ua rau muaj kev nce nqi thiab ua rau cov nuj nqis nce ntxiv.'"
Cov kev lag luam poob qis tau txo qis thaum lub sijhawm COVID-19 kis thoob qhov txhia chaw. Muaj 387,721 tag nrho cov nyiaj poob haujlwm xyoo tas los, nqis los ntawm 413,616 hauv 2021, 544,463 hauv 2020 thiab 774,940 xyoo 2019, raws li cov ntaub ntawv cais los ntawm American Bankruptcy Institute.
Tab sis cov nuj nqis no yog qhov deb deb ntawm qhov Kev Txom Nyem Loj Loj ntawm 1,593,081 kev poob lag luam hauv xyoo 2010.
Tightening credit nkag tau thiab nce cov paj laum rau cov lag luam thiab cov neeg siv khoom yuav ua rau lawv rov qab sai sai, cov kws paub txog kev lag luam tau hais.
Al Togut, tus koom tes ntawm Togut, Segal & Segal, lub tuam txhab kev cai lij choj tshwj xeeb hauv tuam txhab lag luam tau hais tias "Koj tab tom pom cov tuam txhab muaj mob hnyav, nws tsis tuaj yeem zam tau,"
Cov tuam txhab uas xav tias yuav nrhiav kev tiv thaiv kev lag luam tau txais txiaj ntsig los ntawm cov nyiaj tau los hauv cov nyiaj txiag, Togut ntxiv. Liquidity hais txog qhov yooj yim npaum li cas nws nkag mus rau cov nyiaj ntsuab, thiab / lossis yuav thiab muag cov khoom muaj nqis.
"Qhov ntawd tsis yog hais tias lawv tsis xav tau kev txhim kho, vim lawv ua. Thiab hnub txiav txim yuav los, ”Togut ntxiv.
Pamela Foohey, tus xibfwb ntawm Cardozo Tsev Kawm Ntawv Kev Cai Lij Choj uas nws qhov tshwj xeeb suav nrog cov neeg siv khoom lag luam poob nyiaj, hais txog Togut cov kev xav, hais tias "hnub txiav txim siab" tseem tuaj rau cov neeg siv khoom.
Tab sis qhov ntawd yuav siv sijhawm. Cov neeg siv khoom feem ntau suav tias kev lag luam poob yog qhov kawg, thiab tawm tsam kom them rov qab cov nuj nqis rau ob lossis peb xyoos ua ntej tig mus rau lub tsev hais plaub poob nyiaj, nws hais.
Cov feem pua tsis ntev los no tau nce ntawm tus lej ntawm cov neeg mob yuav ua rau "tseem ceeb," Foohey tau hais, tab sis qhov ntawd yog vim lawv tau nce tus lej qis thiab tseem qis dua qib ua ntej kis thoob qhov txhia chaw.
Hom kev lag luam
Kev lag luam lag luam feem ntau rau tib neeg yog Tshooj 7 kev lag luam poob nyiaj txiag, kev lag luam ntawm cov khoom muaj nqis los them cov nuj nqis, thiab Tshooj 13 kev lag luam poob nyiaj, uas tso siab rau cov phiaj xwm them rov qab.
Tshooj 11 kev lag luam poob nyiaj - uas yog qhov SVB Nyiaj Txiag ua - ua rau cov lag luam rov tsim kho lawv cov nuj nqis.
Tshooj 13 kev npaj them nqi rau ib tus neeg yog zoo li Tshooj 11 txoj kev npaj rau kev lag luam, Foohey piav qhia. Cov xwm txheej tshiab tau poob dua hauv 2021 thiab 2022. Xyoo tas los, muaj kwv yees li 380,000 tus neeg raug foob tshiab, suav nrog crypto pauv FTX.
Tus naj npawb ntawm cov neeg nrhiav kev tiv thaiv kev lag luam los ntawm Tshooj 13 cov phiaj xwm them rov qab xyoo tas los tau dhia ntau dua 30% xyoo dhau los, raws li American Bankruptcy Institute.
"Tus naj npawb ntawm cov neeg nrhiav kev tiv thaiv kev lag luam los ntawm Tshooj 13 cov phiaj xwm them rov qab xyoo tas los tau dhia ntau dua 30% xyoo dhau los, raws li American Bankruptcy Institute. "
Ob leeg Togut thiab Foohey hais tias kev lag luam poob nyiaj ntau yog qhov teeb meem thaum thiab tsis if.
Rau cov neeg siv khoom hauv qab kev hnav thiab tsim kua muag ntawm kev nce nqi, Foohey tau hais tias kev lag luam ua haujlwm tam sim no tsuas tuaj yeem pab cov tsev neeg txom nyem nyiaj txiag feem ntau tuav mus ntev. Thiab tib neeg tsuas tuaj yeem khaws ntau daim npav rho nyiaj, nws hais ntxiv.
“Kev ua lag luam muaj zog yog pab tau rau tib neeg. Qhov txiaj ntsig zoo dua yog kev ua lag luam ua lag luam uas them cov nyiaj hli rau tib neeg uas ua rau muaj kev nce nqi thiab ua rau cov nuj nqis nce ntxiv, "nws hais.
Hnub Friday yav tav su, cov khoom lag luam poob qis hauv kev ntxhov siab.
Dow Jones Muaj Nruab Nrab
DJIA,
Ua tiav Friday poob 384 ntsiab lus, lossis 1.2%, kom kaw ntawm 31,861. S&P 500
SPX,
poob 43 ntsiab lus, lossis 1.1%, kom tiav ntawm 3,916. Lub Nasdaq Composite
COMP,
poob 86 cov ntsiab lus, lossis 0.7%, thiab kaw ntawm 11,630.
"Cov txheej txheem Tshooj 11 yuav tso cai rau SVB Cov Pab Pawg Nyiaj Txiag khaws cia tus nqi raws li nws ntsuas cov kev hloov pauv tswv yim rau nws cov lag luam thiab cov khoom muaj txiaj ntsig, tshwj xeeb tshaj yog SVB Capital thiab SVB Securities," William Kosturos, SVB Financial Group tus thawj coj rov tsim kho tshiab, tau hais hauv nqe lus.
SVB Financial Group tsis koom nrog Silicon Valley Bank lawm. Tom qab California cov tswj hwm kaw Silicon Valley Bank thiab Tsoom Fwv Teb Chaws Cov Nyiaj Pov Hwm Pov Hwm tau coj nws mus rau hauv kev txais, lub txhab nyiaj ua tiav, Silicon Valley Bridge Bank, nyob rau hauv FDIC txoj cai.
New York cov tswj hwm rau hnub Sunday kuj tau kaw Kos Npe Lub Tuam Txhab thiab FDIC coj nws mus rau hauv kev txais nyiaj.
Tau qhov twg los: https://www.marketwatch.com/story/judgment-day-is-coming-svb-financial-group-files-for-chapter-11-more-businesses-and-consumers-are-also-filing- for-bankruptcy-efcf261?siteid=yhoof2&yptr=yahoo