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  • Banks are the backbone of any economy. Even the fed is actually a bank, but unlike any

    銀行是任何經濟體的支柱。甚至美聯儲實際上也是一家銀行,但不同於任何

  • 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 surviveThats 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。

Banks are the backbone of any economy. Even the fed is actually a bank, but unlike any

銀行是任何經濟體的支柱。甚至美聯儲實際上也是一家銀行,但不同於任何

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A2 初級 中文 銀行 貸款 利率 信用卡 債務 美元

銀行不想讓你知道的關於金錢的5個真相 (5 Truths About Money That Banks Don’t Want You To Know)

  • 36 4
    Summer 發佈於 2021 年 05 月 09 日
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