Securitization Essays

Unit 6: Criminalization and Securitization In the lecture, I think that when individuals deviate from the social norm, there will be a lot of criticism, opposition, and hate. Even though violating social norms don't have legal outcomes, it can impact a person’s social interactions because it can make people feel uncomfortable when they are surrounded by them and can also label them as abnormal or weird. For example, there are no laws about homosexual people walking down the street holding hands

Securitization of the environment, or anything for that matter, changes the instruments and the people who use these instruments available to deal with the new security threat. These personnel usually take the form of the long entrusted state security actor; the military. Environmentalists have long protested the linkage of the environment and security, arguing environmental security directly refers to the military’s capacity to apply themselves to the ocean of environmental issues. The purpose of

Several authors highlighted the role of racism in the process of securitization of migration (Huysmans 2000; Ibrahim 2005; Togral 2011). According to Maggie Ibrahim, the securitization of migration can be examined as “discourse through which relations of power are exercised” and is “racism’s most modern form” (Ibrahim 2005, pp.163-164). Certainly, the antagonism directed towards migrants is based on the beliefs that the host country views his or her race and/or culture as superior, thus excluding

A securitization transaction is widely used by the organizations in order to prevent any potential risk happen in their organizations. According to Senanayake (2010) on her books is Asset-backed securitization and the financial crisis stated that, securitization is the process of individual loan packaging and other debt instruments. Where the packaging process will be transfer as a security to improve a rating or credit status. While Davidson et al. (2003) stated that securitization is a process

this essay is to utilize the theory of “securitization” as developed by the “Copenhagen School of Security Studies” in explaining how the issue under investigation, terrorism as a security issue in Peru, was securitized by identifying the securitizer, the main securitizing speech act, the referent object that was claimed to be threatened, the extraordinary measures taken to protect it and describe the reaction of the audience. The theory of securitization was developed by the Copenhagen School, mainly

is a securities exchange that acts as a market where stock buyers connect with stock sellers. (r) Briefly explain mortgage securitization and how it contributed to the global economic crisis. Mortgage securitization is a back-up system for mortgage that allows mortgage loans to be sole and the money that is received to be use to make more loans. Mortgage securitization contributed to the global economic crisis when mortgages reset and borrowers defaulted. This made the values of CDOs rise and

In Behind the Backlash: Muslims Americans After 9/11, Lori Peek explains the post 9/11 backlash against Muslim communities in the United States. She did so by interviewing Muslim American men and women after the terrorist attacks over a time frame of two years, most of the sample being from New York and a small sample from Colorado. She found that individuals felt prejudice and discrimination before 2001 and ignorant stereotypes about Islam. However, they expressed that after 9/11 they felt more

The Harley Davidson 2009 year-end financial results indicate a net loss of about 55.1 million. The main reason for this is the restructuring costs expected in the 2009 securitization. The restructuring costs savings affect the company currently, but will yield profit by 2012, since the company will have stabilized its new mode of quality operations. Additionally, the company recorded a net loss in the sale of Buell motorcycles and MV Agusta. The two brands are losing market in the current economy

According to McCulley (2009), financing has got creative through the rise of securitization vehicles which has got momentum just before the financial crisis. Now the term represents a broader range of entities and activities. Moreover, ‘market-based financing’ instead of ‘shadow banking’ is preferred by some authorities and market participants. The term ‘shadow banking’ is sometimes deemed as too pejorative to characterize such an important and extensive part of the financial system despite the risks

The Role of Securitization Securitization is the process through which an issuer creates a financial instrument by combining other financial assets and then marketing different tiers of the repackaged instruments to investors. Mortgage-backed securities are a perfect example of securitization. By combining mortgages into one large pool, the issuer can divide the large pool into smaller pieces based on each individual mortgage's inherent risk of default and then sell those smaller pieces to investors

Explain the process of secutitization and credit default swaps. How did these instruments contribute to the large credit bubble before the Credit Crunch? What is the role of credit rating agencies in this process? Credit default swaps is a form of insurance policy on investments to insure the issuer of a bond in case of a default/bust. There are two risks with bonds/share/investement: default risk/catastrophe and price risk (can go up and down). When the investor of the bond decides to hold on to

mortgages available through Federal Housing Administration (FHA) and Veterans Administration (VA) loans, as well as by creating Fannie Mae, Freddie Mac, and related entities. This site briefs the user about information of housing finance and the securitization of mortgages (2008 Financial Crisis & Global Recession 2015). FHA and VA mortgages require lower down payments and offer lower interest rates than conventional mortgages due to a government guarantee on the former. This enables lower income individuals

more efficient through the securitization process whereby they would bundle many loans into a loan pool which was held by a shell company who used the borrower’s repayments as a revenue stream to create bonds which they could then sell on to investors. These bonds been backed by the underlying mortgages became known as Mortgaged Backed Securities (M.B.S) and were given different ratings related to the level of risk associated with a default on the loan. Securitization not only spread the risk but

“Climate change is often depicted as one of the major threats facing our entire planet and [as] a profound security issue” (as cited in Methmann & Roth, 2012: 42). Climate change is not only science and environmental issue, but also a political and security problem. Human projects have negatively impacted the biosphere at a significant cost. Climate change as a threat is no longer in question - this is a serious security problem. The discourse surrounding climate change should move past the climate-security

not ceased. The ‘securitization’ of an issue, according to the Copenhagen school, is a process applied through an actor (in this case, United States government) that deems a subject matter (in this case, organized crime and trafficking) to be a security risk towards an entity (in this case, human security and national security). In 1971 president Richard Nixon declared the ‘war on drugs’, and named it "public enemy number one", which generated the last process of securitization, an audience. The

Regulations are constantly being enforced on businesses to prevent backroom dealings to benefit a select few involved rather than the American population. This has been the case throughout United States history to keep the people’s best interests in control. The financial crisis of 2008 was devastating to the American economy and financial sector, and in the years following, regulations were set in place to prevent any future crises from occurring. One of these regulations was the Dodd-Frank Wall

to investors. This securitization food chain linking all together with investors all over the world. Now home owners pay their mortgage money, it went to investors all over the world and lenders don't care about whether borrower can repay. So they started making riskier loans. From 2004 onwards FBI warned about excessive activities of fake supporting loan documentations and other fraudulent activities. Hundreds of billions of dollars per year flowing through securitization

Beginning in the summer of 2006, the collapse of the housing bubble in the United States led to a worldwide financial crisis that we are still seeing the affects of today. The main factor that caused the collapse of the housing bubble and subsequently lead to the financial crisis of 2008, also know as the Great Recession, was precarious lending practices in the form of subprime mortgages (Tan and Cheong 1; Goswami et al. 77; Morrow 751), which lead to extreme levered losses. Although many policies

Common American understandings of the meaning of hijab are related to a foreign cultural threat. There was a clear relationship between safety and wearing a hijab, this resulted in some women to stop wearing it after 9/11. A hijab carried a religious meaning, this factor played a role in the way Americans viewed women wearing it. Muslim women were aware that they were potential targets of attack, they were aware of the shift in public attitudes toward their apparel. Cainkar interviewed Muslim women

released to the FNMA and FHLMC, GNMA, and other investors. The Licensee purchases mortgage servicing rights (MSRs) from market participants and performs servicing activities on behalf of investors, including the FNMA, FHLMC, GNMA, and private-label securitizations (non-agency). The Licensee also provides servicing for mortgage servicing rights acquired from third parties or contributed by affiliates. Caliber Home Loans, Inc. has warehouse lines of credit agreements with Credit Suisse (950,000,000), Citibank