Crisi finanziarie. Banche predatrici o clienti predatori?

Dopo la crisi dei mutui si è cominciato a dipingere il mostro. La banca è un mostro ideale, ricettacolo di avidità e frodi.

Peccato che la maggior parte delle sofferenze siano dovute proprio ad uno scarso controllo dei prestatori rispetto ad informazioni lacunose fornite dai destinatari dei mutui.

Se solo le banche imparassero un po' meglio a tutelare i propri interessi...

"...There has been plenty of talk about “predatory lending,” but “predatory borrowing” may have been the bigger problem. As much as 70 percent of recent early payment defaults had fraudulent misrepresentations on their original loan applications, according to one recent study. The research was done by BasePoint Analytics, which helps banks and lenders identify fraudulent transactions; the study looked at more than three million loans from 1997 to 2006, with a majority from 2005 to 2006. Applications with misrepresentations were also five times as likely to go into default..."