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司法書士佐田康典の業務お疲れ日誌(汗) » 消費者金融のCDS(クレジットデフォルトスワップ)

消費者金融のCDS(クレジットデフォルトスワップ)

 最近アコム等の消費者金融CDSの保証料率が乱高下しています。
9月26日~27日にかけて急上昇し、今は落ち着いています。
CDSは、倒産リスクを金融商品にした、はっきりいって信じられないような債権です。
倒産リスクが高いCDSほど、高値で取引されます。
倒産すると、保証料率以上の券面額が手に入るからです。
 消費者金融に限らず、金融業界はこのようなばくちと言っていいような商品を
売り買いして、莫大な利益をあげたり、損失を出したりしています。
レイクや、アコムは銀行の傘下に入り、銀行取引の一環として再び
ローン事業拡大に踏み出そうとしています。
 しかし、本当に怖いのは、欧州危機、とりわけ、ギリシャ危機です。
ギリシャの、国債のCDSを欧州の銀行がかなりの額で発行しているので、
実際、ギリシャがデフォルトに陥れば、欧州の金融機関は危機的状況に陥るでしょう。
それに伴って、ポルトガル、スペイン、ベルギーも連鎖的にデフォルトの危険性が
叫ばれるでしょう。フランだって、超債務国家です。欧州銀行のデクシアが破綻しただけでは済まないでしょう。
 一応、ECBやIMFがギリシャに融資の決定をしたようです。当面、
デフォルトは避けられたのでしょうが、安心できるような状況ではありません。
今後も何度となく、危機的状況に陥るでしょう。問題の先送りでしかありません。
 何故、こういうことに司法書士として注意しているかと言うと、消費者金融に対する過払い金の請求に影響が出てくるからです。
 もしかりに、ギリシャがデフォルトに陥ると、金融業界全体が資金調達コストの影響を受け、母体の金融機関も安穏とはいかないでしょう。
 第2のリーマンショックが目前の状況では、過払い金の帰趨も危ういものだと、日々感じています。

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