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The central banks
<http://economictimes.indiatimes.com/Features/Financial_Times/Central_banks_move_in_with_bail-out_packs/rssarticleshow/3614010.cms#>,
world over, are pumping money into their financial systems in an attempt to
contain the crisis that is now prevalent in the glo
bal financial economy. The fear of it spreading to the real economy is
prompting all countries to act swiftly and put out the fires. UK's Prime
Minister took the lead in proposing to recapitalise banks. European Union
followed suit and the US is addressing the acute liquidity issues that banks
are facing right now.


cWhy do banks need money ?

The central banks' and government's cash infusions are attractive to banks
because they are having trouble sourcing funds. Losses on mortgage-related
securities have depleted banks' capital in the US and Europe. The value of
these securities had eroded due to falling home prices, rising defaults and
foreclosures.

Due to the steep fall in the value of these securities, the banks had to
reflect the marked-to-market losses in their books and balance sheets. This
nearly eroded their capital and some of them have gone bankrupt too due to
this reason. Without sufficient capital, banks have been reluctant to lend,
causing substantial damage to the real economy and depressing economic
activity. The uncertainty over how much damage the US mortgage-based
investments<http://economictimes.indiatimes.com/Features/Financial_Times/Central_banks_move_in_with_bail-out_packs/rssarticleshow/3614010.cms#>will
cause has made banks increasingly reluctant to lend. They felt it was
safer to hold on to cash rather than lend to companies that could go
bankrupt tomorrow.


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