12大银行遭遇首宗Libor操纵集体诉讼_时事

12大银行遭遇首宗Libor操纵集体诉讼

A 65-year-old woman whose home was repossessed is taking on some of the world’s leading banks in the first known class action lawsuit claiming alleged Libor manipulation made mortgage repayments for thousands of Americans more expensive than they should have been.

一位住所因欠款被收回的65岁妇女向全球主要银行发起已知的首个集体诉讼，指责这些银行对伦敦银行间同业拆借利率(Libor)的操纵行为导致数以千计美国人的抵押贷款偿付金额高于应有水平。

The subprime mortgages of Annie Bell Adams and her four co-lead plaintiffs were securitised into Libor-based collateralised debt obligations and sold by banks to investors.

安妮·贝尔·亚当姆斯(Annie Bell Adams)以及其他四位共同参与诉讼的原告的抵押贷款，被银行通过证券化打包为基于Libor的债务抵押债券(Collateralised Debt Obligations，简称CDO)，并出售给投资者。

The class action, filed in New York, alleges that traders at 12 of the biggest banks in Europe and North America – including Barclays, Bank of Americaand UBS– were incentivised to manipulate the London interbank offered rate to a higher rate on certain dates on which adjustable mortgage interest rates were reset. This resulted in homeowners paying more between 2000 and 2010, according to the complaint.

这项于纽约提起的集体诉讼指控，欧洲和美国12家主要银行的交易员——包括巴克莱(Barclays)、美国银行(Bank of America)以及瑞银(UBS)在内——被激励在设定浮动抵押贷款利率的某些特定日子操纵Libor升至较高水平。该诉讼声称，利率操纵行为导致房屋所有人在2000至2010年间的偿付金额高于正常水平。