JPMorgan Chase & Co. said on Friday it agreed to pay $4.5 billion to settle claims by investors who lost money on mortgage-backed securities before the collapse of the U.S. housing market.
摩根大通15日表示，同意支付45億美元，以了結(jié)機(jī)構(gòu)投資者提出的指控。美國(guó)房地產(chǎn)市場(chǎng)崩盤(pán)前夕，這些機(jī)構(gòu)投資者因購(gòu)買(mǎi)不良抵押貸款證券而遭受損失。(路透社)
The bank reached the agreement with 21 institutional investors in 330 residential mortgage-backed securities trusts issued by JPMorgan and Bear Stearns，which it took over during the financial crisis，according to the bank and lawyers for the investors.
摩根大通與21家機(jī)構(gòu)投資者達(dá)成了此項(xiàng)協(xié)議。據(jù)摩根大通和投資者律師方介紹，這些投資者共購(gòu)買(mǎi)了摩根大通及其在金融危機(jī)期間收購(gòu)的貝爾斯登投資銀行發(fā)行的330種住房抵押貸款證券信托產(chǎn)品。(路透社)
That preliminary settlement was valued at about $6bn. The difference in the final deal is explained by the absence of securities sold by Washington Mutual，the bank acquired by JPMorgan during the crisis.
此前達(dá)成的初步和解方案為支付60億美元，其與最終協(xié)議的差額在于，協(xié)議未包括同樣由摩根大通于金融危機(jī)期間收購(gòu)的華爾街互惠銀行出售的證券。(《金融時(shí)報(bào)》)
The 21 investors include BlackRock Inc， Metlife Inc，Allianz SE’s Pacific Investment Management Company，the TCW Group and Bayerische Landesbank. The deal still has to be accepted by seven trustees overseeing the securities holdings，the parties said.
達(dá)成協(xié)議的21家機(jī)構(gòu)投資者包括黑石集團(tuán)、大都會(huì)人壽保險(xiǎn)、太平洋投資管理公司、美國(guó)西部信托公司、德國(guó)巴伐利亞州銀行等。當(dāng)事方稱(chēng)，這項(xiàng)協(xié)議還須征得監(jiān)管以上證券的7家信托公司的同意。(路透社)
The deal helps JPMorgan put behind it a major piece of mortgage litigation related to the financial crisis，albeit at the cost of further billions of dollars. It comes as a separate broader deal with the US government over bad mortgages，which could see JPMorgan pay $13bn in total，is still being thrashed out.
盡管又額外支付了幾十億美元，但這項(xiàng)協(xié)議有助于摩根大通解決與金融危機(jī)相關(guān)的抵押貸款訴訟案的一個(gè)重要部分。此前，摩根大通還與美國(guó)政府就不良抵押貸款達(dá)成了一項(xiàng)更廣泛的協(xié)議，要求前者支付總計(jì)130億美元的罰金，該項(xiàng)協(xié)議目前仍在研究中。(《金融時(shí)報(bào)》)
As part of the $13 billion deal，$4 billion will resolve U.S. government claims that JPMorgan misled mortgage finance giants Fannie Mae and Freddie Mac about risky mortgage-backed securities.
在這項(xiàng)130億美元的和解協(xié)議中，40億美元用以了結(jié)美國(guó)政府關(guān)于摩根大通誤導(dǎo)房利美和房地美購(gòu)買(mǎi)高風(fēng)險(xiǎn)抵押貸款證券的指控。(《華爾街日?qǐng)?bào)》)
2011年9月，聯(lián)邦住房金融局向包括摩根大通在內(nèi)的17家金融機(jī)構(gòu)正式提起訴訟，指控其向房利美和房地美出售總數(shù)額高達(dá)1960億美元的不良住房抵押貸款證券。目前，花旗、瑞銀等多家銀行已與聯(lián)邦住房金融局達(dá)成和解，而摩根大通可能支付的130億美元，或?qū)⒊蔀槊绹?guó)歷史上單個(gè)金融機(jī)構(gòu)向美國(guó)政府支付的最高數(shù)額罰金。
Still to be decided is whether the Justice Department will file criminal charges against JPMorgan in the mortgage securities debacle. An investigation is underway by the U.S. Attorney’s office in Sacramento，Calif.
目前懸而未決的另一件事是，美國(guó)司法部是否會(huì)就抵押貸款證券一案對(duì)摩根大通提起刑事訴訟。美國(guó)加州薩克拉門(mén)托市的檢察官辦公室正在進(jìn)行相關(guān)調(diào)查。(《華爾街日?qǐng)?bào)》)
Mounting legal costs pushed JPMorgan to a rare loss in this year’s third quarter，the first under CEO Jamie Dimon’s leadership. The bank reported Oct. 11 that it set aside $9.2 billion in the July-September quarter to cover the string of legal cases against the bank.
持續(xù)攀升的訴訟費(fèi)使得摩根大通在今年第三季度遭受罕見(jiàn)的損失，這也是首席執(zhí)行官杰米·戴蒙任內(nèi)該銀行遭遇的首次虧損。摩根大通10月11日發(fā)布財(cái)報(bào)顯示，公司在7月至9月的這一季度中，共撥出92億美元，用以解決其牽涉的一系列法律案件。(《華爾街日?qǐng)?bào)》)
受罰款、業(yè)務(wù)萎縮等影響，摩根大通今年第三季度虧損3.8億美元。這是這家美國(guó)最大銀行自2004年以來(lái)第一次出現(xiàn)季度虧損。