為什么一些美國(guó)銀行面臨倒閉的風(fēng)險(xiǎn)？
Why Some Of America’s Banks Are At Risk Of Failing | CNBC Marathon
譯文簡(jiǎn)介
硅谷銀行、簽名銀行及瑞士信貸的相繼崩塌，殘酷揭示了備受信賴的金融機(jī)構(gòu)可能在一夕間崩潰，導(dǎo)致數(shù)百億美元資產(chǎn)陷入危局。FDIC數(shù)據(jù)顯示，自2001年以來(lái)美國(guó)已有超過(guò)550家銀行倒閉。這些金融機(jī)構(gòu)的崩塌根源何在？又將給美國(guó)經(jīng)濟(jì)帶來(lái)怎樣的連鎖反應(yīng)？
正文翻譯
CNBC專題報(bào)道深入剖析導(dǎo)致銀行破產(chǎn)的成因及其對(duì)美國(guó)整體經(jīng)濟(jì)構(gòu)成的威脅。過(guò)去五年間，花旗集團(tuán)股價(jià)累計(jì)跌幅超過(guò)30%。2021年，首席執(zhí)行官簡(jiǎn)·弗雷澤宣布重大戰(zhàn)略轉(zhuǎn)型，退出美國(guó)以外14個(gè)消費(fèi)金融市場(chǎng)，全力押注財(cái)富管理業(yè)務(wù)。這種戰(zhàn)略調(diào)整已被美國(guó)銀行、富國(guó)銀行等多家大型金融機(jī)構(gòu)效仿。
全美范圍內(nèi)，數(shù)百家中小型區(qū)域性銀行正承受巨大壓力，面臨破產(chǎn)風(fēng)險(xiǎn)。根據(jù)克拉羅斯集團(tuán)對(duì)約4000家美國(guó)銀行的分析，其中282家機(jī)構(gòu)因商業(yè)地產(chǎn)風(fēng)險(xiǎn)敞口和利率攀升導(dǎo)致的潛在虧損而陷入困境，絕大多數(shù)風(fēng)險(xiǎn)銀行屬于小型社區(qū)銀行范疇。
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全美范圍內(nèi)，數(shù)百家中小型區(qū)域性銀行正承受巨大壓力，面臨破產(chǎn)風(fēng)險(xiǎn)。根據(jù)克拉羅斯集團(tuán)對(duì)約4000家美國(guó)銀行的分析，其中282家機(jī)構(gòu)因商業(yè)地產(chǎn)風(fēng)險(xiǎn)敞口和利率攀升導(dǎo)致的潛在虧損而陷入困境，絕大多數(shù)風(fēng)險(xiǎn)銀行屬于小型社區(qū)銀行范疇。
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No bank is in trouble. Small banks will be bought out by large banks and large banks will be bailed out by the government.
沒有銀行會(huì)真正陷入危機(jī)。小銀行會(huì)被大銀行收購(gòu)，而大銀行最終會(huì)得到政府的救助。
I suspect that the only ones who are always and truly in danger are the customers and employees of these banks
我懷疑真正長(zhǎng)期處于危險(xiǎn)中的，永遠(yuǎn)只有銀行的客戶和普通員工。
Why arent they talking about how tax payers bailed them out in 2008 followed by bonuses for the C Suite? They should fail
為什么沒人提2008年納稅人救了銀行之后，高管們卻拿巨額獎(jiǎng)金的事？這些銀行就該倒閉。
Citibank is mostly a credit card company and with credit card companies making a 50% profit above cost there should be no excuses about failing
花旗本質(zhì)上就是個(gè)信用卡公司，而信用卡行業(yè)的利潤(rùn)率高達(dá)成本的50%，這種情況下還經(jīng)營(yíng)不善就太說(shuō)不過(guò)去了。
In The US profit is always privatized and debit/failure always socialized!!
在美國(guó)，利潤(rùn)永遠(yuǎn)歸私人所有，債務(wù)和失敗卻總讓全社會(huì)買單！
Bailing out banks who have mismanaged running a business is not capitalism. The American people should not be bailing out multimillionaires and billionaires when they make bad bets
救助經(jīng)營(yíng)不善的銀行根本不是資本主義。美國(guó)民眾不該為那些下錯(cuò)賭注的億萬(wàn)富翁擦屁股。
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My major concern is how I can protect and preserve my wealth in savings against the various harmful economic forces, regardless of what the high and mighty economic talking heads discuss at economic seminars. What are the instruments I can buy to help meet my goal?
我最關(guān)心的是，如何保護(hù)儲(chǔ)蓄資產(chǎn)不受各種經(jīng)濟(jì)沖擊的影響——不管那些高高在上的經(jīng)濟(jì)學(xué)家在論壇上扯什么。有什么金融工具能幫我實(shí)現(xiàn)這個(gè)目標(biāo)？
What a beauty!! Has a market cap of $155 billion today but got $450 billion to get bailed out probably 18 years ago.
真諷刺！現(xiàn)在市值1550億美元的公司，18年前卻拿了4500億美元救助金。
This bank crisis is so far from being over. Anyone who has been around for longer than 12 years, knows a credit crisis isn't over in two weeks. Makes me laugh seeing folks thinking this was all over so quickly. We are seeing a credit contraction that is gonna lead to a major contraction.
這場(chǎng)銀行危機(jī)遠(yuǎn)未結(jié)束。經(jīng)歷過(guò)12年前危機(jī)的人都懂，信貸危機(jī)不可能兩周就解決?？吹接腥擞X得風(fēng)波已過(guò)真是可笑，當(dāng)前的信貸緊縮必將引發(fā)更大衰退。
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Nowadays investors should rather shift their attention mainly to under-the-radar stocks, considering recent rollercoaster nature of the market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered. I don't know where to go here out of devastation.
鑒于市場(chǎng)劇烈震蕩，投資者該關(guān)注冷門股了。我27萬(wàn)美元的投資組合中，35%是曾經(jīng)風(fēng)光現(xiàn)在暴跌的股票，完全不知道該怎么辦。
Rolling back Bank oversight regulations... Was and is unconscionable.
撤銷銀行監(jiān)管法規(guī)這種事，過(guò)去和現(xiàn)在都喪盡天良。
If you can get first-hand information, compare bank debt with personal and corporate borrowing: debt default data. The loans of enterprises also need to be repaid. The money must be used in the company, for salaries, equipment, production site rent, and research and development. Ultimately, the company must make profits from projects rather than rely on loans to maintain itself.
拿到第一手?jǐn)?shù)據(jù)的話，應(yīng)該對(duì)比銀行債務(wù)與個(gè)人企業(yè)借款的違約率。企業(yè)貸款同樣需要償還，資金必須用于發(fā)工資、買設(shè)備、付場(chǎng)地租金和研發(fā)。歸根結(jié)底，企業(yè)要靠項(xiàng)目盈利，而不是靠貸款續(xù)命。
I was hired by citigroup in 2011 and 2 days after i was hired they told all of us that they were closing the branch and said "sorry kid...." Work at TD Bank now and been there for 15 years and love it.
2011年我被花旗錄用，結(jié)果上崗兩天就通知要關(guān)閉分行，還假惺惺說(shuō)"抱歉啊小朋友..."?，F(xiàn)在在道明銀行工作15年了，非常滿意。
Cut CEO compensation and you'll save alot of smaller corporations. Greed is killing America.
把CEO薪資砍了，能救活多少小企業(yè)？貪婪正在毀掉美國(guó)。
Fragile huh? No bailouts for big banks, sorry. Corporations need to stop waiting for a welfare handout and start using those bootstraps they recommend for the rest of us.
說(shuō)大銀行脆弱？抱歉，別想再拿救助金。企業(yè)該學(xué)會(huì)自己解決問題，就像他們總建議老百姓"自力更生"那樣。
Trump said he wanted to loosen financial regulations.. Do we not remember what happened in the 1920s or 2007?
特朗普說(shuō)要放松金融監(jiān)管... 我們是忘了1929年和2007年的教訓(xùn)嗎？
Old infrastructure, too many ancients workers and toxic culture
基礎(chǔ)設(shè)施老化、員工老齡化嚴(yán)重，還有有毒的企業(yè)文化。
Merrill Lynch was tossed as my last company's 401(k) management group due to their fee structure and overall inability to pick proper stock picks for us as a client group. Overall, my fellow employees either saw no growth or faced categories of losses as large as 22% in a single year. Keep in mind that we're talking about a generally rising overall Dow/S&P
美林證券之前負(fù)責(zé)我們公司的401(k)計(jì)劃，后來(lái)因?yàn)槭召M(fèi)不合理和選股能力太差被換掉了。同事們的賬戶要么零增長(zhǎng)，有的甚至一年虧22%——要知道那幾年道指和標(biāo)普可是整體上漲的。
Oh wow, banks are in trouble of falling... like this haven't happened before
哇哦，銀行又要倒閉了耶... 這種事以前可從來(lái)沒發(fā)生過(guò)呢
Start using Credit unxs. More personable and most give back funding directly to the local community!!
改用信用合作社吧！服務(wù)更人性化，而且資金直接回流本地社區(qū)。
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If Citi is really that important, it should be a public institution owned by the government.
如果花旗真的重要到不能倒，就該收歸國(guó)有。
The success and failure of American banks, I.e periodic growth and decline is Absolutely Inevitable now, because now they Depend a lot, probably mainly on speculative capital in particular, as well as capital from outside, it's clear and Inevitable now complete.
美國(guó)銀行業(yè)的興衰周期如今已不可避免，因?yàn)樗鼈儑?yán)重依賴投機(jī)性資本和外來(lái)資金，這種模式注定要崩盤。
Just one person's view here. My bank used to have 6 branches in a 20-30 mile radius. Now, 2 and a 1 stand alone drive through atms. 4 gone in 2 years. Other banks have closed as well. 1 was turned into a restaurant. (sadly that failed in under 8 months).
說(shuō)個(gè)真實(shí)情況：我家附近20-30英里原有6家銀行網(wǎng)點(diǎn)，現(xiàn)在只剩2家加1個(gè)獨(dú)立ATM。兩年關(guān)了4家，其他銀行也在收縮。有家網(wǎng)點(diǎn)改成了餐廳（結(jié)果8個(gè)月就倒閉了）。
there will be more bank failures as the new administration will impose less regulation
新政府放松監(jiān)管后，會(huì)有更多銀行倒閉。
Citi bought the company I worked for in 2000. I quit two months later. No regrets.
2000年花旗收購(gòu)了我們公司，我兩個(gè)月后就辭職了，從不后悔。
To think there was a time when banks were stores for money. Maybe I'm naive, but the fact that these cronies legitimately changed nothing about their greed shows that they never deserved to succeed
銀行曾經(jīng)只是存錢的地方？可能我太天真了。但既得利益者毫無(wú)悔改的貪婪證明他們根本不配成功。
Less systemic when most communities went to credit unxs when big banks Gauged the customers lol
大銀行瘋狂宰客時(shí)，大家都轉(zhuǎn)向信用合作社，系統(tǒng)性風(fēng)險(xiǎn)自然就小了嘛（笑）
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Maybe the banks can start making coffee at home and stop buying avocado toast
銀行高管們或許該學(xué)學(xué)在家煮咖啡，別再吃牛油果吐司裝小資了
the problem is they lean on their muscle to enforce payment on just ok financial products, not actually raising the quality of their products
問題在于他們靠強(qiáng)勢(shì)催收來(lái)掩蓋平庸的金融產(chǎn)品，而不是提升產(chǎn)品質(zhì)量
Citibank stole the gold of the Ha?ti central bank how that has been forgotten ????
花旗銀行盜取海地央行黃金的事怎么就被遺忘了？？
The problem is that our representatives don't work for us. We are just tools that are used to make profit. Our representatives work for the rich and the corporations. We are not the priority. Making sure the corporations continue to make huge profits is their priority. If they pass legislation that just happens to benefit us then that is just a by product of the legislation. There will always be a main part of whatever legislation they pass that will benefit the rich and corporations in some way. It doesn't matter which party. Both the Democrats and Republicans are owned by them. They are both terrible for the people of the United States. And have been for a very long time.
根本問題是政客不為民眾服務(wù)。我們只是他們牟利的工具，他們真正服務(wù)的是富豪和企業(yè)。所謂"惠及民眾"的政策只是副產(chǎn)品，每條法規(guī)的核心必有利于權(quán)貴。兩黨都一樣——民主黨共和黨都被收買了，長(zhǎng)久以來(lái)都在禍害美國(guó)人民。
Regular people (through taxes or absorbing effects of inflation due to bailout money from government) will bail out Banks.
最終買單的總是老百姓（通過(guò)稅款或救助金引發(fā)的通脹）。
Commercial real estate I love this asset type, work with it every day.
商業(yè)地產(chǎn)是我最愛的資產(chǎn)類別，天天都在研究。
The deposited money goes to the CEO pocket not a safe.
存款根本沒進(jìn)保險(xiǎn)箱，全塞CEO口袋里了。
I worked as a director of finance for Chase for 6 years about a decade ago. Here is the short and sweet mantra of the SVPs and EVPs based on the political climate. Republicans in power: Spend spend spend. Fuel your growth with debt! Your gains will outweigh your debts, and you'll be able to pay it off in no time! Democrats in power: We need some oversight and regulation in the banking sector. Spending is fine, but you need sustainable debt. And that's why the American taxpayers will always bail out banks.
十年前我在摩根大通當(dāng)了六年財(cái)務(wù)總監(jiān)。高管們的策略很簡(jiǎn)單：共和黨執(zhí)政就瘋狂舉債擴(kuò)張，覺得收益能覆蓋債務(wù)；民主黨上臺(tái)就假裝需要監(jiān)管和可持續(xù)債務(wù)。所以納稅人永遠(yuǎn)在救銀行。
In some cases it costs $1600. a month for a living space that is no more than two rooms. Real Estate investing has become a very profitable industry. Lenders have gone after the profits overextending themselves with massive Real Estate portfolios. It is not only residential, whole areas of cities are being and have been developed for sports stadiums, retail, restaurants, entertainment. It's called gambling.
現(xiàn)在兩居室月租都要1600刀了。房地產(chǎn)投資成了暴利行業(yè)，貸款機(jī)構(gòu)為追逐利潤(rùn)過(guò)度擴(kuò)張地產(chǎn)組合。不僅是住宅，整片城區(qū)都被開發(fā)成體育場(chǎng)、商場(chǎng)、餐廳和娛樂區(qū)——根本是在賭博。
Geez, this is scary. I hope the U.S. gets the reasonable and competent leadership necessary to deal with that, right? Right?
天，太可怕了。美國(guó)會(huì)迎來(lái)有能力處理這些問題的領(lǐng)導(dǎo)層吧？會(huì)的吧？？
The US has too many banks, it has a residential banking system for the average joe which is only interested in extracting more fees from existing customers rather than growing the customer base. The net result is that the residential banking system for the average joe is 20+ years behind the times compared to other major international economies. As for Citibank, it will be viewed as one of the classic examples of value destruction
美國(guó)銀行數(shù)量過(guò)剩，面向普通人的零售銀行系統(tǒng)只想著從現(xiàn)有客戶身上榨取費(fèi)用，而不是拓展客源。結(jié)果就是，相比其他經(jīng)濟(jì)體，我們的零售銀行系統(tǒng)落后了20多年。至于花旗，遲早會(huì)成為價(jià)值毀滅的經(jīng)典案例。
Just borrow money from the bank and dont pay it back. Its the bank that will fail and not you. Debt is an illusion. Dont ever feel bad to borrow and spend money.
只管從銀行借錢別還，反正倒閉的是銀行不是你。債務(wù)都是幻覺，借錢消費(fèi)不用愧疚。
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Trump's Q.E.II is on the way. Banks and the stock market will soar along with raging inflation. However, the inflation spread for workers is already untenable burdened with the national debt and low wages.
特朗普的第二輪量化寬松要來(lái)了。銀行和股市會(huì)暴漲，通脹也會(huì)飆升。但工薪階層在國(guó)債壓力和低工資下，根本扛不住通脹。
Either way, the working-poor (tax-payers)will pay for this disaster again.
無(wú)論如何，窮忙族（納稅人）會(huì)再次為這場(chǎng)災(zāi)難買單。
we don't need that many banks , crypto is the future and we should strive to make a more decentralised financial systems , more power to be held on the people or community .
我們不需要這么多銀行。加密貨幣才是未來(lái)，應(yīng)該建立去中心化金融系統(tǒng)，讓權(quán)力回歸民眾和社區(qū)。
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FDIC insurance should be an option offered to and paid for by individual depositors.
聯(lián)邦存款保險(xiǎn)公司保險(xiǎn)應(yīng)該設(shè)為可選服務(wù)，由儲(chǔ)戶自費(fèi)購(gòu)買。
The Bank Owners will control our Money !! and the way we spend it !! and the way we Live !! !
銀行老板會(huì)控制我們的錢、消費(fèi)方式，甚至生活方式??！
This whole situation just creates a further debasement of the currency and loss of continued purchasing power. The system as it stands is insolvent and has been for many years.
這種情況只會(huì)加速貨幣貶值和購(gòu)買力流失?，F(xiàn)行金融體系早已資不抵債多年。
Somehow consumers who just want a bank account to save their money and pay bills are responsible for Citi Bank buying a bunch a bad mortgages.... riiiiight........
普通儲(chǔ)戶只想存錢付賬單，卻要為花旗亂買次級(jí)房貸背鍋... 真有道理啊
not sure about citi strategy to get back in the wealth market. better to build on where they are strong (corporate solutions) then weak divisions.
不看好花旗重返財(cái)富管理市場(chǎng)的策略。他們應(yīng)該專注強(qiáng)項(xiàng)（企業(yè)解決方案），而不是折騰弱勢(shì)部門。
So, just to summarize...my two thousand dollars in the bank account is safe?
簡(jiǎn)單總結(jié)一下......我存在銀行里的兩千美元是安全的對(duì)吧？
Lol. Like we worry about banksters. They are the most catered to and protected group in country
笑死，我們才不擔(dān)心那些銀行家呢。他們可是全美國(guó)最受優(yōu)待和保護(hù)的特殊群體。
Maybe focusing in MEI and not DEI could improve their financial situation
或許把精力放在MEI（多元經(jīng)濟(jì)倡議）而不是DEI（多元化、公平與包容）上，反而能改善他們的財(cái)務(wù)狀況。
OUR LIFES ARE FALLING APART OUR COUNTRY IS FALLING APART I DONT KNOW HOW WE ARE GOING TO SURVIVE,, IM SCARED AND EVERY THING THAT IS HAPPENING IS RUINING MY MENTAL HEALTH AND PHYSICAL HEALTH..
我們的生活正在崩潰！我們的國(guó)家正在崩潰！我不知道該怎么活下去！我害怕極了！發(fā)生的一切正在摧毀我的心理健康和身體健康??！
Easy to find yourself in trouble when youve got a safety blanket. Time for bonuses and stock buy backs!
有了政府兜底的安全網(wǎng)，當(dāng)然容易惹上麻煩?，F(xiàn)在又到了發(fā)獎(jiǎng)金和股票回購(gòu)的時(shí)候啦！
Different products are more successful in different environment. When policy changes the environments some traditions systems suffer and it can be hard to pivot if you are locked in with certain clients. Instability kills banks that is all it is.
不同金融產(chǎn)品在不同環(huán)境下表現(xiàn)各異。當(dāng)政策改變環(huán)境時(shí)，那些依賴特定客戶群體的傳統(tǒng)體系就會(huì)遭殃，轉(zhuǎn)型變得異常困難。說(shuō)到底，不穩(wěn)定就是銀行的催命符。
Why did J. Diamond just get a raise to 39 million in compensation for 2025 as announced during Davos.
憑什么杰米·戴蒙（J. Diamond）在達(dá)沃斯論壇上宣布自己2025年的薪酬要漲到3900萬(wàn)美元？
No worries. American taxpayers are always ready to bail them out. The working class gets screwed over and over again.
別擔(dān)心，美國(guó)納稅人永遠(yuǎn)準(zhǔn)備著給他們擦屁股。只不過(guò)工人階級(jí)又要被反復(fù)壓榨罷了。
Why so much time on Citi in this content? They put themselves into decline with excess investment in sub-prime mortgages, followed by treating many customers poorly. They dont seem at risk of failure, buy-out yes, but not failure.
為什么視頻里花這么多篇幅講花旗？他們自己搞次級(jí)房貸過(guò)度投資導(dǎo)致衰落，后來(lái)又對(duì)客戶服務(wù)差勁?？雌饋?lái)他們倒不至于破產(chǎn)，被收購(gòu)有可能，但破產(chǎn)不至于。
This glimpse into how the sausage is made sickens me .
這種窺見金融業(yè)黑箱操作的過(guò)程真讓我反胃。
the competition for money-laundering is fierce...
洗錢業(yè)務(wù)的競(jìng)爭(zhēng)可太激烈了......
Stock market are rally, so people forget about financial crisis in the past.
股市一漲，人們就忘了過(guò)去的金融危機(jī)。
My community bank is on Cardano: I can store my volatile and stable assets on-chain. I can lend them out and earn real yield on the interest borrowers pay the protocol. I get utility and a secure eco-system of growing fintech apps. I guess I am an early adopter of decentralization. It will continue to evolve and I believe soon, the problems of storing value using centralized rails will be a thing of the past ( atleast for the retail user ).
我的社區(qū)銀行接入了Cardano區(qū)塊鏈：我可以把波動(dòng)性和穩(wěn)定性資產(chǎn)都儲(chǔ)存在鏈上，還能通過(guò)借貸協(xié)議賺取真實(shí)收益。我獲得了實(shí)用性和不斷發(fā)展的安全金融科技生態(tài)?？磥?lái)我是去中心化的早期采用者。這個(gè)領(lǐng)域會(huì)持續(xù)進(jìn)化，相信很快，依賴中心化渠道儲(chǔ)存價(jià)值的難題將成為歷史（至少對(duì)散戶來(lái)說(shuō)）。
Let them fail no bailouts let the free market be free
讓他們倒閉，別救市，讓自由市場(chǎng)真正自由！
why? there are federal reserve, advanced technology with military in america
怕什么？美國(guó)有美聯(lián)儲(chǔ)、先進(jìn)科技和軍隊(duì)撐腰啊。
Shouldnt there anyways be some banks at risk of failing? Its every American bank supposed to exist perpetually until the end of time?
難道本來(lái)不該有些銀行面臨倒閉風(fēng)險(xiǎn)嗎？難道每家美國(guó)銀行都該永生不滅？
In other words, people trust banks ONLY to the point they can get their money back! Got it!
說(shuō)白了，人們信任銀行的程度僅限于"能拿回錢"！懂了！
Small banks collapsing is a consequence of their work or deliberate action to concentrate the banking in just a few?
小銀行倒閉是他們自身經(jīng)營(yíng)不善的結(jié)果，還是有人故意推動(dòng)銀行業(yè)集中化的手段？
Their customer service sucks. All offshore and clueless. You don't get "rich people " that way.
他們的客服爛透了，全是外包的糊涂蟲?？窟@種服務(wù)可留不住"有錢客戶"。
Why are there so many commercial real estate loans stressing these small banks? Why does the population keep increasing at such a rate that housing can't keep up? Meanwhile, we keep talking about low fertility in developed nations? Are we BSing or over compensating with lenient immigration policies that favor corporations that lie and say there aren't enough qualified candidates when what they really want are international hires that are cheaper, just glad to have the potential green card dangled in front of them, willing to work overtime and tolerate abusive behavior from management?
為什么這么多商業(yè)地產(chǎn)貸款拖累小銀行？為什么人口增長(zhǎng)快得連住房都跟不上？與此同時(shí)，我們總說(shuō)發(fā)達(dá)國(guó)家生育率低？我們是在自欺欺人，還是用寬松移民政策過(guò)度補(bǔ)償——那些公司嘴上說(shuō)缺人才，實(shí)際就想招更便宜的外籍員工？這些人被綠卡誘惑著，甘愿加班忍受管理層虐待？
With California up in frxs real estate loans will definitely go up
加州房地產(chǎn)問題頻發(fā)，房貸違約率肯定要飆升。
We told yall.another recession is going to hit us. End of story.
早就警告過(guò)你們，新一輪衰退要來(lái)了。沒別的結(jié)局。
Companies exist to enrich upper management, anything else is trivial.
公司存在的意義就是讓高管發(fā)財(cái)，其他都是次要的。
Don't trust anything Mike Mayo says. He works for Wells Fargo which has a PROVEN track record of defraud its own customers.
別信邁克·梅奧說(shuō)的任何話。他為富國(guó)銀行工作，而這家銀行可是有欺詐客戶的實(shí)錘記錄的。
An actual financial analysis from cnbc instead of just fear mongering? I looked when it was 10 minutes and thought okay we are dunking on citi, thats fine, but I get 30 more minutes? My take is that credit cards and auto loans are gonna fail, short santander
CNBC居然做了正經(jīng)金融分析而不是制造恐慌？開頭10分鐘覺得他們?cè)诤诨ㄆ爝€行，結(jié)果后面還有30分鐘？要我說(shuō)信用卡和車貸要崩，做空桑坦德銀行吧。
People are so ignorant about the 2008 governent bailout of the banks. It was a win for the American tax payers as the government made a big profit from the bailout money. It was one of the best financial move the US government made in decades.
人們對(duì)2008年銀行救助計(jì)劃太無(wú)知了。這其實(shí)是納稅人的勝利，因?yàn)檎ㄟ^(guò)救助資金賺了大錢。這是美國(guó)政府幾十年來(lái)最成功的金融操作之一。
stop living BEYOND your means. STOP the overspending and pay down your debt.
別再入不敷出了！停止過(guò)度消費(fèi)，趕緊還債！
原創(chuàng)翻譯：龍騰網(wǎng) http://top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處
Good. Its time for us to become our own banks through insurances and other entities
好事。是時(shí)候通過(guò)保險(xiǎn)和其他機(jī)構(gòu)讓自己成為自己的銀行了。
原創(chuàng)翻譯：龍騰網(wǎng) http://top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處
If you're too big to fail, you're too big to exist. It's that simple.
"大而不能倒"就意味著"大而不該存在"，道理就這么簡(jiǎn)單。
So if someone have money city groups, he need to swich bank asap
所以誰(shuí)要是把錢存在花旗集團(tuán)，得趕緊換銀行了。
They will fail then say hey WE GOT CRYPTO! boom elephant is back in the room.
等他們破產(chǎn)了就會(huì)喊"我們有加密貨幣啦！"，然后房間里的大象又回來(lái)了。
Citi has the same old culture and will not win in the market anytime soon.
花旗還是那套老企業(yè)文化，短期內(nèi)別想打贏市場(chǎng)。
Man that one guy needs to invest in a $30 Nexigo webcam and a 15 min training session on speaking using your indoor voice and why you need to stop shouting as your default volume.
老兄，那個(gè)嘉賓真該花30美元買個(gè)Nexigo攝像頭，再花15分鐘學(xué)學(xué)怎么用正常音量說(shuō)話——?jiǎng)e動(dòng)不動(dòng)就吼叫。
Well if banks fail I can go to WALL ST and never bee thirsty with my LIFE STRAW drink like a dog from the toilet bowl.
要是銀行倒閉了，我就去華爾街用生命吸管像狗一樣喝馬桶水——反正不會(huì)渴死。
They were bailed out!!!! No sympathy as many of us suffered for over a decade trying to find employment..the only saving grace is this didnt happen in the modern day where AI would have made things even worse for many of us.
他們被救市了?。?！我們這些人可是花了十多年找工作，所以別指望我同情他們。唯一慶幸的是這事沒發(fā)生在AI讓就業(yè)更慘的現(xiàn)在。
DOUBLE tax treaty networks are becoming serious prospective success things!
雙重征稅協(xié)定網(wǎng)絡(luò)正在成為重要的潛在成功因素！
The current administration says that the we will no longer use money.. we will use crypto.. so I would be surprised if they decide not to rescue to banks this time around.
現(xiàn)政府說(shuō)我們以后不用貨幣了......改用加密貨幣......所以如果他們這次不救銀行我才覺得奇怪呢。
Oh my God they failed because of their own confidence. Can you report on something not all fluff
天吶，他們失敗居然是因?yàn)檫^(guò)度自信？你們能不能報(bào)道點(diǎn)有實(shí)質(zhì)內(nèi)容的東西？
People are moving their money into more secure like crypto
人們正把資金轉(zhuǎn)移到更安全的地方，比如加密貨幣。
原創(chuàng)翻譯：龍騰網(wǎng) http://top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處
This would not be an issue if fractional reserve banking was illegal rather than encouraged
如果禁止而不是鼓勵(lì)部分準(zhǔn)備金銀行制度，這根本不成問題。
原創(chuàng)翻譯：龍騰網(wǎng) http://top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處
Her we go again just at another Republican gets in. Who could have guessed it?
又來(lái)這套，剛好趕上共和黨上臺(tái)。這誰(shuí)能料到呢？（反諷）
This is why Warren Buffet cashed out huge positions. He wants to help the banks again, and make
這就是為什么巴菲特清倉(cāng)大甩賣。他又想幫銀行，然后......
the little guy is paying over 30% credit card interest...shame on you ***
普通人要付超過(guò)30%的信用卡利息......你們真不要臉（臟話被屏蔽）
原創(chuàng)翻譯：龍騰網(wǎng) http://top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處
I've been saying this for awhile now, but now that CNBC is saying it. I guess it's time to believe the opposite.
這話我說(shuō)了好久了，不過(guò)既然CNBC都這么說(shuō)，看來(lái)該信相反的了。
原創(chuàng)翻譯：龍騰網(wǎng) http://top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處
They always land on their feet, courtesy of the White House
他們總能安全著陸，多虧白宮兜底。
Evidently you dont know what youre talking about!!! The FEDERAL RESERVE BANKING CORPORATION CAN AT ANYTIME TAKE ALL THE PROFITS OUT OF THE WORLD STOCK MARKETS AND STAY SOLVENT! YOUR INTELLIGENCE IS NOT NOTEWORTHY OF A PODCAST!
顯然你根本不懂?。。∶缆?lián)儲(chǔ)隨時(shí)能從全球股市抽走所有利潤(rùn)還能保持償付能力！你這點(diǎn)智商也配上播客？！
Which prime broker is holding the excrement bags from naked short sells of many US companies? I bet that bank is going to be the one that needs that sweet sweet FED bail out.
哪家主要經(jīng)紀(jì)商在替那些做空美國(guó)公司的機(jī)構(gòu)兜底？我打賭這家銀行馬上需要美聯(lián)儲(chǔ)的甜蜜救助了。
WTF does the fed perform bank stress tests for? What a waste of money. DOGE should investigate!
美聯(lián)儲(chǔ)搞銀行壓力測(cè)試有毛用？純屬浪費(fèi)錢。狗狗幣團(tuán)隊(duì)都該來(lái)查查！
Or as the rest of the world knows it, Billionaires Slush fund....
或者按世界其他地方的叫法——億萬(wàn)富翁的洗錢基金......
Fail and jail. Corrupt Wall Street gambling. No balls Government oversight. No monopoly and trust busting. Shame, Shame and Shame.
讓銀行破產(chǎn)，把高管送進(jìn)監(jiān)獄。華爾街的腐敗賭博行為必須被清算，政府監(jiān)管機(jī)構(gòu)卻毫無(wú)作為。既不打擊壟斷也不拆分財(cái)團(tuán)，真是可恥至極，一而再再而三地令人蒙羞。
it's very simple. just because fractional reserve banking says you can keep as low 10% in cash, doesn't mean you have to. if CEOs were smart, they would keep more than that in reserves.
if I were running a bank, and had less than 30% that would keep me up at night.
道理很簡(jiǎn)單，雖然部分準(zhǔn)備金制度允許銀行只保留10%的現(xiàn)金，但這不代表必須這么做。如果CEO們夠聰明，就應(yīng)該持有更多儲(chǔ)備金。換作是我經(jīng)營(yíng)銀行，準(zhǔn)備金率低于30%的話，絕對(duì)會(huì)讓我夜不能寐。
I hope all billionaires and millionaires are doing well. We need them to survive i will bail them out if they need it God bless America and Trump
我衷心祝愿所有億萬(wàn)富翁和千萬(wàn)富翁都安好。我們需要他們活著，如果他們需要救助，我隨時(shí)愿意伸出援手。愿上帝保佑美國(guó)和特朗普。
How was this video released 12hrs ago and the info is so out dated already. M&A is about to skyrocket with Lina Khan gone and Trump in the presidency. The Fed lowered rates by 75 basis points last year and they are saying rates are going up?! Yes they are up since Covid but they were low because of desperation to stimulate the economy. Most analysts, myself included expect another 2 rate cuts this year as well of at least 50bp. This video looks like it was created 6 months ago and just now uploaded.
這視頻12小時(shí)前剛發(fā)布，數(shù)據(jù)怎么就已經(jīng)過(guò)時(shí)了？隨著莉娜·可汗下臺(tái)和特朗普當(dāng)選總統(tǒng)，并購(gòu)潮即將爆發(fā)。美聯(lián)儲(chǔ)去年降息75個(gè)基點(diǎn)，現(xiàn)在卻說(shuō)利率要上漲？確實(shí)疫情后利率有所回升，但當(dāng)時(shí)降息是為了刺激經(jīng)濟(jì)。包括我在內(nèi)的大多數(shù)分析師預(yù)計(jì)今年還會(huì)再降息兩次，每次至少50個(gè)基點(diǎn)。這視頻看起來(lái)像是半年前制作的，現(xiàn)在才上傳。
Banks get another bailout. CEOS & all boards get Bills $$ In bonuses. Same old story & taxpayer cost.
銀行又拿到救助金，CEO和董事會(huì)成員照舊領(lǐng)高額獎(jiǎng)金。老套路了，最后買單的還是納稅人。
absurd to think a bank cannot stay afloat as long as it has customers. Shows they are gambling too much in the markets and losing too much. Just stupid. bank services are free income basically. every loan is free money for the bank. look at them saying they want to move away from the poor and needy and cater to the rich only. so lazy and sad for humanity!
有客戶還能倒閉？這種說(shuō)法太荒謬了。說(shuō)明他們過(guò)度參與市場(chǎng)賭博且虧損嚴(yán)重，簡(jiǎn)直愚蠢。銀行服務(wù)本質(zhì)上就是無(wú)本生意，每筆貸款都是白賺的錢?？纯此麄儸F(xiàn)在說(shuō)要拋棄窮困群體、只服務(wù)富人，這種懶惰行徑真是人類的悲哀。
原創(chuàng)翻譯：龍騰網(wǎng) http://top-shui.cn 轉(zhuǎn)載請(qǐng)注明出處
Move all your monetary value onto the blockchain!!
趕緊把你所有的資產(chǎn)都轉(zhuǎn)移到區(qū)塊鏈上吧?。?/b>
Individuals should group together and make bank runs every day
老百姓應(yīng)該聯(lián)合起來(lái)，每天都去銀行擠兌！
this is why chase bank only offers 0.2% accounts While others offer 4%
I will go for the 0.2%
這就是為什么大通銀行只給0.2%的存款利率，而別家能給到4%。不過(guò)我還是選大通的0.2%。
Less systemic when most communities went to credit unxs when big banks Gauged the customers lol
自從大銀行瘋狂收割客戶后，多數(shù)人都轉(zhuǎn)向信用合作社，系統(tǒng)性風(fēng)險(xiǎn)反而降低了吧，哈哈。
Evidently you dont know what youre talking about!!! The FEDERAL RESERVE BANKING CORPORATION CAN AT ANYTIME TAKE ALL THE PROFITS OUT OF THE WORLD STOCK MARKETS AND STAY SOLVENT! YOUR INTELLIGENCE IS NOT NOTEWORTHY OF A PODCAST!
顯然你根本不懂自己在說(shuō)什么！??！美聯(lián)儲(chǔ)銀行集團(tuán)隨時(shí)能從全球股市抽走所有利潤(rùn)并保持償付能力！你這點(diǎn)智商根本不配上播客節(jié)目！