Subprime Mortgage

The current global credit crunch started with subprime mortgages.

Banks lent money to people, often with a higher value of the properties which they intended to use the loans for. Loans were offered at attrative fixed rates and not long after that, reverted to the market-floating rates after a few years. The interest rates rose and the prices of properties slumped, making the customers who borrowed the loans, not being able to pay back the creditors resulting in defaults. The number of defaultors rose and banks could not receive the back the money which they rent. Reserves of cash fell low and the banks were squeezed.

国行追随世界减息潮

随着BNM宣布把OPR降低２５个基点至３。２５％后，银行也相继将BLR降低２５基点至６。５％。

手套业

手套业主要原料乳胶价格走势

手套业原料天然气价格走势

金融海啸，大马能置身之外吗？

美国欧洲金融大地震，大马能置身其外吗？

• 全球对原产品如原棕油，原油等等需求放缓，原产品价格暴跌。原产品对大马出口贡献可观。

棕油和相关产品，占大马总出口值的9.9%，是大马第二大出口商品。08年首9个月录得RM50.9 billion，由于价格暴涨，需求量上升，棕油取得７４。２％的成长，写下RM37.5 billion的出口值。这段其间，棕油每吨平均售价为RM3,155.2。

让我们来看看棕油过去一年的走势, 随着棕油价格受全球原产品价格蹦盘后，也在７月上演滑铁炉,看来大马很难不受影响。

石油，我国第三大出口产品，占了总出口值6.8%，也因之前石油价格水涨船高而取得52.5%增长，达RM34.7 billion。平均价值为每吨RM2,478（上涨50.1%）和总出口量上涨至12.6 million，或增长1.6%。

再让我们看看石油价格在过去一年的走。

大马是一个石油净出口国，国油（PETRONAS）贡献了政府大部份税收，过去几年石油价格水涨船高为大马带来可观收入，现在石油价格蹦盘又会对大马带来什么程度的影响呢？

• 经济低迷，失业率暴增导致全球消费下降，影响大马出口业务。大马极其依赖出口多于内需。