other bank, it creates money. But what if I told you that every bank has

其他銀行，它創造貨幣。但如果我告訴你，每家銀行都有

the right to create money? Theoretically, you can start a bank and start

創造貨幣的權利？理論上，你可以開辦一家銀行，開始

creating money, but there is an easier way. Why waste so much money first starting a bank

創造金錢，但有一個更簡單的方法。為什麼要浪費這麼多錢先開一家銀行

when you can start a cryptocurrency and become a crypto-billionaire overnight. 

當你可以啟動一個加密貨幣，並在一夜之間成為加密貨幣的億萬富翁。

At least that's what has been happening lately. If cryptocurrencies seem to you like a scam,

至少這就是最近發生的事情。如果加密貨幣在你看來是一個騙局。

then you probably don't know much about the banks. So, here in this video, we are going

那麼你可能對銀行了解不多。是以，在這個視頻中，我們將

to take a look at 5 truths about money that banks don't want you to know because if everyone

來看看銀行不想讓你知道的關於金錢的5個真相，因為如果每個人都知道

would know that, that might be the end of the banking system. Or as Henry ford said:

會知道，這可能是銀行系統的末日。或者像亨利-福特說的那樣。

It is well enough that people of the nation do not understand our banking and monetary

國家的人民不瞭解我們的銀行和貨幣，這已經很好了。

system, for if they did, I believe there would be a revolution before tomorrow morning.

因為如果他們這樣做，我相信在明天早上之前就會有一場革命。

 So if you are ready, give this video a thumbs up and make sure to checkout our secondly

是以，如果你準備好了，請為這段視頻豎起大拇指，並確保查看我們的第二部分。

channel called - bloom where we also post videos about investing and money but also

頻道，名為--綻放，我們也在這裡發佈關於投資和金錢的視頻，但也有

about other things that you will find interesting. If you enjoy this channel, you will definitely

關於其他事情，你會發現很有趣。如果你喜歡這個頻道，你一定會

find our second channel interesting. So go ahead and subscribe, and now let's get back

發現我們的第二個頻道很有趣。是以，請繼續訂閱，現在讓我們回到

to the video.  


到視頻。

Keeping your money in a bank is a scam!

把錢存在銀行是個騙局!

Let me ask you a question, how much interest would you earn if you deposit your savings

讓我問你一個問題，如果你把你的儲蓄存入銀行，你能獲得多少利息？

in a bank. At first glance, it seems like at least a few percent for it to make any

在一家銀行。乍一看，似乎至少要有幾個百分點才能使其產生任何

sense, right? However, if you look at the numbers, it's

意，對嗎？然而，如果你看一下數字，它是

far from that. The top banks, such as the City bank, offer

遠非如此。頂級銀行，如城市銀行，提供

literally less than 0.5 percent. There are banks that offer a higher rate, but they are

從字面上看，低於0.5%。有的銀行提供更高的利率，但它們是

still than 1 percent, especially since interest rates are at the bottom now.

仍然超過1%，特別是因為現在的利率處於底部。

Think about it. Your money grows by 0.5 percent while inflation is 2.5 percent. The intrinsic

想一想吧。你的錢增長了0.5%，而通貨膨脹率為2.5%。本質上的

value of your wealth is literally decreasing every single year. You are far better off

你的財富的價值實際上每年都在減少。你的情況要好得多

spending that money today than keep it in a bank. The purchasing power of your money

今天花這些錢比把它放在銀行裡要好。你的錢的購買力

in a few years is going to be far less than it's now. And when inflation is skyrocketing

幾年後將遠遠低於現在的水準。而當通貨膨脹急劇上升的時候

as it's now, for example, asset prices such as homes, stocks rise exponentially, as we

比如說，像現在這樣，房屋、股票等資產價格成倍上漲，因為我們

have seen happening in the last year or so. A bank is a place to park your money and not

在過去一年左右的時間裡，我們看到了這種情況。銀行是一個停放你的錢的地方，而不是

to make money. 


來掙錢。

Every bank has the right to create money out of thin air.

每個銀行都有權利憑空創造貨幣。

If i would tell you that banks do create money, you probably won't believe me because the

如果我告訴你，銀行確實創造了貨幣，你可能不會相信我，因為

only bank that's allowed to create money is the fed. It's the source of the dollar and

唯一被允許創造貨幣的銀行是美聯儲。它是美元的來源和

the only institution that has the right to that printing machine. However, the banking

是唯一有權使用該印刷機的機構。然而，銀行

system works in such a way that every bank in the country or, in fact, the world is allowed

該系統的工作方式是，允許全國或事實上全世界的每家銀行

to create money to a certain degree based on how much money people have deposited in

在一定程度上根據人們的存款數量來創造貨幣。

that bank.

那家銀行。

Let's say you deposit a thousand dollars in bank - A. what do you think that bank is going

假設你在銀行存入一千美元--A.你認為該銀行會怎麼做？

to do that with money. There is no point in keeping it, they wouldn't even be able to

要用錢來做這個。保留它是沒有意義的，他們甚至不可能

pay you your miserable 0.5 percent, so the bank lends your money to someone else who

賠給你那可憐的0.5%，所以銀行把你的錢借給別人，而後者

wants to buy a car, for example, or a house and collects interest which is often much

例如，想買車或買房，並收取利息，這通常是很高的價格。

higher than 0.5 percent that it pays you. An average credit card interest is 20 percent.

高於它支付給你的0.5%。一個平均的信用卡利息是20%。

That's literally dozens of times higher than what the bank pays you. The point is that

這簡直比銀行付給你的錢高几十倍。關鍵是

the bank isn't going to tell you to whom it will lend your money. Whenever you check your

銀行不會告訴你它將把你的錢借給誰。每當你檢查你的

account, the bank is going to show you that your money is still there and you can withdraw

帳戶，銀行就會顯示你的錢還在那裡，你可以提取

it whenever you want, so if your money is still there in the bank, where did the bank

所以，如果你的錢還在銀行裡，銀行在哪裡呢？

take the money to lend to someone else? That's known as fractional reserve banking.

把錢拿去借給別人？這就是所謂的部分儲備銀行。

Banks are allowed to keep just 10 percent of the deposits and lend the rest. For every

銀行只被允許保留10%的存款，其餘的放貸。對於每一個

one thousand dollars you despot in the bank, the bank creates another 900 dollars and lends

你在銀行裡專款一千美元，銀行就會再創造出九百美元並借給你。

it to someone else, which brings the total amount to $1900. The bank created 900 dollars

它給了別人，這使得總金額達到1900美元。銀行創造了900美元

out of thin air. It's not as difficult as you might think since there are just digits

稀薄的空氣。這並不像你想象的那樣困難，因為只有幾個數字。

in the computer. 


在計算機中。

3. You can make money by borrowing from banks and investing elsewhere 


3.你可以通過向銀行借錢和在其他地方投資來賺錢

In July 2012, Mark Zuckerberg financed his 5.95 million dollars Palo Alto home, that's

2012年7月，馬克-扎克伯格為他在帕洛阿爾託的房子融資595萬美元，這就是

3 miles away from facebook's headquarters with a 30-year Mortgage.

離facebook總部3英里遠，有30年的抵押貸款。

At that time, he was 28 years old and the world's 40th -wealthiest person, worth an

當時，他28歲，是世界上第40位最富有的人，身價達1.5億美元。

estimated $15.6 billion. The question is, why would you get into debt

估計為156億美元。問題是，你為什麼要負債？

when you have billions of dollars and can easily afford it? If he wanted, he could easily

當你擁有數十億美元並能輕易負擔得起的時候？如果他願意，他可以輕鬆地

buy a dozen $6 million homes, in cash, without batting an eye. So why get a mortgage?

買一打600萬美元的房子，用現金，眼睛都不眨一下。那麼，為什麼要辦理抵押貸款呢？

The answer is - it's Free Money! Sounds unreal, I understand. Who would give

答案是--這是免費的錢!聽起來不真實，我理解。誰會給

you free money when you are already a billionaire? I mean, why would anyone give anyone else

當你已經是一個億萬富翁時，你還能得到免費的錢嗎？我的意思是，為什麼有人會給別人

free money unless it's charity? It all has to do with interest rates. Remember

免費的錢，除非是慈善機構？這一切都與利率有關。請記住

when we talked about banks giving such a low ROI that it doesn't worth keeping your money

當我們談到銀行的投資回報率如此之低，以至於不值得保留你的錢時。

there since it doesn't even beat inflation, so you are losing money? Well, in this scenario,

因為它甚至沒有跑贏通貨膨脹，所以你在虧錢？嗯，在這種情況下。

it's the other way around.

這是另一種方式。

The inflation rate in the US is 2.5 to 3 percent, so any money you borrow that is below the

美國的通貨膨脹率是2.5%到3%，所以你借的任何錢都低於

inflation rate is considered free money. Zuckerburger's mortgage rate was just a little

通貨膨脹率被認為是免費的錢。扎克伯格的抵押貸款利率只有一點點

over 1.05 percent. If you do the math, the bank is the loser

超過1.05%。如果你計算一下，銀行是失敗者

since the mortgage rate is below the inflation. You don't have to be the genius to do the

因為抵押貸款利率低於通貨膨脹率。你不必是天才，也可以做到這一點。

math. For the sake of example, let's say you borrow 1 million dollars at the rate of 1.05

數學。為了舉例說明，假設你以1.05的利率借了100萬美金

percent. The average rate of return on a savings account is 2.4 percent before the pandemic

百分比。大流行之前，儲蓄賬戶的平均回報率為2.4%。

and now less than 1 percent but lets just stick to 2.4 percent. Meaning that Even if

而現在還不到1%，但我們還是堅持2.4%。這意味著，即使

you deposit that million-dollar in another bank, you end up making 24 000 dollars a year

你把這一百萬美元存入另一家銀行，你最終每年能賺到24000美元。

while you only have to make a monthly payment of 10500 (1.05%) to the bank that lent you

而你只需每月向貸款給你的銀行支付10500元（1.05%）。

that money. Imagine if you do that with a hundred million

這筆錢。想象一下，如果你用一個億的資金來做這件事

dollars, or how about a billion dollars!

美元，或者10億美元如何！？

When you can borrow for free, there's no point in tying up your own money when you can use

當你可以免費借貸時，如果你能用自己的錢，就沒有必要把自己的錢捆綁起來。

that money for more profitable things. Of course, when we are talking about small

這些錢用於更有利可圖的事情。當然，當我們在談論小型

amounts of money, this might not make sense because the difference isn't that big. However,

如果你的錢多，這可能沒有意義，因為差別沒有那麼大。然而。

when it comes to large sums, playing around 1, 2, or half a percent could potentially

當涉及到大額資金時，在1％、2％或5％左右玩耍有可能會

mean dozens of thousands of dollars if not hundreds.

意味著幾萬塊錢，如果不是幾十塊錢的話。


 4. The richer you are, the lower the rate

4.你越富有，比率越低

you get

你得到

Remember that banks are not charity organisations but are businesses like any other who's job

請記住，銀行不是慈善機構，而是與其他企業一樣的企業，他們的工作是什麼？

is to maximise profit. They have shareholders to whom they are accountable. And if their

是為了實現利潤最大化。他們有對其負責的股東。而如果他們的

business model isn't profitable, they are not going to survive—Thats why they are

商業模式不盈利，他們就無法生存--這就是他們為什麼要這樣做。

much more comfortable lending money to a rich guy than a poor guy.

把錢借給有錢人比借給窮人要舒服得多。

When you are a billionaire, for example, the bank can sleep peacefully because no one is

例如，當你是一個億萬富翁時，銀行可以安然入睡，因為沒有人

worried that you might default on your loan, and in case if something happens, in case

擔心你會拖欠貸款，萬一發生什麼事，萬一

you can't make your monthly payments, you can easily sell part of your business to pay

你無法支付你的每月付款，你可以輕鬆地出售你的部分業務來支付

back your mortgage, that makes loaning money to you almost risk-free.

支持你的抵押貸款，這使得貸款給你幾乎沒有風險。

In fact, that's how the banking system evolved over the centuries, where banks would only

事實上，這就是幾個世紀以來銀行系統的演變過程，銀行只會

work with nobility, with people who had money or assets that constantly generate income

與貴族合作，與擁有金錢或資產的人合作，不斷創造收入

such as land. Compare that to an average employee who could

諸如土地等。與一個普通僱員相比，他們可以

get sick or might not be able to work or just lose his job. If you are barely making ends

生病或可能無法工作或只是失去工作。如果你勉強維持生計

meet, loaning money to you is extremely risky. I know that it's easy to criticize banks for

遇見，把錢借給你是非常有風險的。我知道，責備銀行很容易，因為

that but think about it. Would you feel comfortable loaning money to

但想想看。你會覺得把錢借給

a friend who barely makes any money or a friend who has a business? Probably the latter, no

一個幾乎不賺錢的朋友還是一個有生意的朋友？可能是後者，不

matter how harsh does it sounds.

不管它聽起來多麼刺耳。

So if you want to get a lower mortgage rate, a lower credit card rate, just better terms

是以，如果你想獲得更低的抵押貸款利率，更低的信用卡利率，只是更好的條件

when borrowing money, you have to do better financially first.

借錢時，你必須先在財務上做得更好。

Banks also offer such a low mortgage rate to establish strong relationships with rich

銀行提供如此低的抵押貸款利率也是為了與富人建立牢固的關係

people s o that when they would need a bigger loan, they would come to them. It's a win-win

是以，當他們需要更大的貸款時，他們會來找他們。這是一個雙贏的局面。

situation. Technologies such as blockchain or cryptocurrencies

情況。區塊鏈或加密貨幣等技術

are promising to change that and democratise banking, and they will probably to a certain

承諾改變這種狀況，使銀行業務民主化，而且他們可能會在一定程度上

extend. In fact, banking has been democratised to the point where everyone has access to

延伸。事實上，銀行業務已被民主化，以至於每個人都能獲得

financial services. Compare that to a hundred years ago!

金融服務。與一百年前相比!

5. Credit Cards are bank's nuclear weapons

5.信用卡是銀行的核武器

70% of Americans with credit card debt admit they can't pay it off this year. Think for

70%有信用卡債務的美國人承認他們今年無法還清債務。想一想

a moment about what does that means! Your credit card debt isn't like your mortgage.

請稍等片刻，瞭解這意味著什麼!你的信用卡債務並不像你的抵押貸款。

It isn't like 3.5 percent a year. It's probably like 20 percent!

這不像是每年3.5%的水準。這可能是20%的比例!

If you can't pay your credit card debt on time now, what makes you think that you can

如果你現在不能按時償還你的信用卡債務，你憑什麼認為你可以

pay it a few months later when that debt has grown much bigger. In other words, 70 percent

幾個月後，當這個債務增長得更大時，再去支付它。換句話說，70%的人

of Americans are about to fall into the debt trap.

的美國人即將落入債務陷阱。

Over half of those surveyed, 56 percent, say they've had credit card debt for at least

超過一半的受訪者（56%）表示，他們至少已經有了信用卡債務。

a year. And most will continue to carry it for years to come. Almost 20 percent estimate

一年的時間。而且大多數人將在未來幾年內繼續攜帶它。近20%的人估計

it will take them more than three years to pay off their debt, while roughly 8 percent

他們需要三年以上的時間才能還清債務，而大約8%的人

say they don't know when they'll be able to pay it down.

說他們不知道什麼時候能把錢付清。

And that's how banks usually make fortunes because most people spend without thinking

這就是銀行通常發財的方式，因為大多數人不假思索地消費。

about how they will pay it back. They are used to a certain standard of living, and

關於他們將如何償還的問題。他們已經習慣了一定的生活標準，並且

they are ready to keep it even if they can't afford it. That's why banks keep calling you

他們準備保留它，即使他們買不起。這就是為什麼銀行不斷給你打電話

to sell you a brand new credit card. Don't get me wrong, using credit cards responsibly

來向你推銷一張全新的信用卡。不要誤會我的意思，負責任地使用信用卡

is great to build your credit score, but if you are not financially responsible, then

對建立你的信用分數是很好的，但如果你在財務上不負責任，那麼

you shouldn't get yourself into that debt trap.

你不應該讓自己陷入這種債務陷阱。

If you have enjoyed this video, you will most definitely enjoy this custom playlist that

如果你喜歡這個視頻，你一定會喜歡這個定製的播放列表，它是

I have created specifically for you that has our most popular videos on business, investing,

我專門為你創建了有我們最受歡迎的商業、投資方面的視頻。

and the stock market that can potentially change your life.

和股票市場，有可能改變你的生活。

And now give this video the thumbs up that it deserves, and make sure to subscribe if

現在給這個視頻豎起應有的大拇指，並確保訂閱，如果

you haven't done that yet. Thanks for watching and until next.

你還沒有做到這一點。謝謝你的觀看，直到下一次。