Cold wind swept the major U.S. credit enterprises suffer.

Worsening the plight of U.S. consumers have begun to re-hit corporate profits. .From the chip maker to the carpet company, many companies rely on consumer spending again and again issued a profit warning, showing that the credit crisis is rapidly spreading to the real estate and banking the mainstream of American business. .<P> Integrated media reports, the credit crunch and real estate collapse of the wind over the past year mainly affects low-income persons, including credit card issuing companies, but American Express, iPod manufacturer Apple, and passenger ships operating company Royal Caribbean Cruises have recently been published .profit warning, indicating effect is expanding, it is worrying in this year's two major shopping season - the holidays back to school season and how strong the force. .</ P> <P> American Express put out the previous quarter due to credit loss reserves, net income fell 38%, is the most bearish investors disappointed. .The company said that as the slowdown in U.S. economic growth this year, earnings per share growth of 4-6% target will not be reached. .American Express customers are usually wealthy than the average credit card holder, if even its customers to reduce expenses and can not pay the card fee, other banks lower-income customers could be even worse. .</ P> <P> industries in technology, Apple, although the annual third-quarter profit beat market expectations, but the fear of early warning quarter profit below Wall Street estimates, as after-hours trading to kill disk center of gravity. .Although Apple has always been very conservative on the forecast, the company forecast fourth quarter of the year is still well below analyst expectations. .</ P> <P> another semiconductor maker Texas Instruments Incorporated (Texas Instruments) The alarming figures forecast, the company forecast earnings per share for the third quarter of 41-47 cents a share, on revenue of 32.6-35.4 billion U.S. dollars, are .lower than analysts expected earnings of 51 cents per share and 35.7 million in revenue. .</ P> <P> back to school sales coincided with the third quarter, Texas Instruments has always been the peak season. .Charter Equity Research analyst John Dryden said: "This is TI and the semiconductor industry is very worrying signal." Dryden said that while demand for wireless communication chip cooling performance of the company fell just means that some, but the analog chip weakness .may have a negative impact on the industry. ."When it comes to analog chips, there are thousands of companies involved." </ P> <P> As disposable income with higher income situations, the world's second largest passenger ferry operating company Royal Caribbean in the previous quarter due to fuel .prices, profits down 33% to $ 84,700,000, or 40 cents per share. .The company's fuel costs increased by 55%, plans to lay off 400 to cut costs. .</ P>.