Name: 銀行不想讓您知道的關於金錢的 5 件事 (5 Things About Money That Banks Don't Want You To Know)
Uploaded: 2025-08-06T18:27:28.000Z
Duration: 16 min 42 s

過去簡單式

So, I googled how much money is there in the world.

於是，我上網搜索了一下世界上到底有多少錢。

Because there is like a little over 8 trillion dollars.

因為那裡好像有 8 萬億美元多一點。

But the total GDP of the United States, or the size of the US economy is 30 trillion dollars.

但美國的 GDP 總量，即美國經濟規模是 30 萬億美元。

Well, it turns out that the 8 trillion dollars refers to the amount of physical cash that exists, such as cash and coins.

原來，8 萬億美元指的是現金和硬幣等實物現金的數量。

If you account the money that you have in your banks for day to day uses, such as the money that you use to pay for a Netflix subscription, then that is called M1 money.

如果您將銀行中用於日常使用的資金（例如用於支付 Netflix 訂閱費的資金）記入賬戶，那麼這些資金就被稱為 M1 資金。

And it quickly grows up to 50 trillion dollars.

But it doesn't include like your savings account, the money that you keep in a fixed deposit.

但它不包括你的儲蓄賬戶，也不包括你存放在定期存款中的錢。

If you include all of that, then it's called broad money, or M2.

如果將所有這些都包括在內，則稱為廣義貨幣，或 M2。

And it quickly grows to 123 trillion dollars.

Why is there such a huge gap between the real amount of money that we have in the economy and the total amount of money that exists in the system?

為什麼我們經濟中的實際貨幣量與系統中存在的貨幣總量之間存在如此巨大的差距？

Because if you convert 123 trillion dollars into real cash and coins, then it is going to cause massive inflation, the likes that we have simply become worthless.

因為如果把 123 萬億美元兌換成真正的現金和硬幣，那麼就會引起大規模通貨膨脹，我們的錢就會變得一文不值。

And that's the first thing that banks don't want you to know.

這是銀行不想讓你知道的第一件事。

These are just simply digits in the computers.

這些只是計算機中的簡單數字。

I mean, it was real money when money was gold, or at least when the dollar was packed to gold.

我的意思是，當錢是金子的時候，或者至少當美元和金子捆綁在一起的時候，那才是真正的錢。

But ever since money is not real, it doesn't exist.

但既然錢不是真實的，它就不存在。

Here's my favorite way of how banks create money out of nothing.

下面是我最喜歡的銀行無中生有的方法。

Let's say you have $10,000 and you go to a Citibank, open a savings account, and you deposit your $10,000 into a Citibank for a rainy day.

假設你有 1 萬美元，你去花旗銀行開了一個儲蓄賬戶，然後將 1 萬美元存入花旗銀行，以備不時之需。

God knows what happened so that you have an extra money in case you decide to retire and you have some money to pay the rent.

天知道發生了什麼，這樣你就有了一筆額外的錢，萬一你決定退休，你就有一些錢來支付房租。

The next day when you wake up, you pull out your phone and you still see your $10,000.

第二天，當你醒來時，拿出手機，你仍然能看到你的 10,000 美元。

A week passes, you pull out your phone and you check your Citibank application and you see that you have your $10,000 in your savings account.

一週過去了，你拿出手機，查看花旗銀行的申請表，發現你的儲蓄賬戶裡有 10,000 美元。

But what the bank isn't telling you is that your money is not there in the bank.

但銀行沒有告訴你的是，你的錢並不在銀行裡。

Yes, you can pull out your phone and check your savings account and you can see your money in the bank, but it's not there.

是的，你可以掏出手機查看你的儲蓄賬戶，你可以看到銀行裡的錢，但錢並不在那裡。

The bank can make the application show you whatever the bank wants.

銀行可以讓申請表顯示銀行想要的任何內容。

So if you show up to the bank, the money isn't actually there.

是以，如果你出現在銀行，錢其實並不在那裡。

And that's why when everybody shows to a bank pulling out their money from their savings account, the bank fails.

這就是為什麼當每個人都去銀行從儲蓄賬戶裡取錢時，銀行就會倒閉。

Everybody wanted to withdraw their money at the same time.

The bank did not have the money and Silicon Valley bank declared bankruptcy.

銀行沒有錢，硅谷銀行宣佈破產。

If tomorrow everybody shows up to the Citibank and tries to withdraw their money, what do you think Citibank is going to do?

如果明天所有人都去花旗銀行取錢，你認為花旗銀行會怎麼做？

They don't have the money, they will declare bankruptcy and that will be the end of that.

他們沒有錢，就會宣佈破產，這就是結局。

Bank failures are a very normal thing and every single year there is a good number of banks that constantly go into failure and declare bankruptcy.

銀行倒閉是一件非常正常的事情，每年都有相當數量的銀行不斷倒閉和宣佈破產。

Simply because the money that you keep in the bank is no longer there in the bank.

原因很簡單，因為你存在銀行裡的錢已經不在銀行裡了。

But wait a second, where does the money go when I actually keep it in the bank?

但是，等一下，如果我真的把錢存入銀行，錢會去哪裡呢？

You see, banks are not a charity organization.

Their job isn't to provide you for a safe place to park your money and withdraw it in case you want.

他們的工作並不是為你提供一個安全的地方來存放你的錢，並在你需要的時候提取出來。

Banks are businesses whose sole purpose is to make as much money as possible.

銀行是以儘可能多地賺錢為唯一目的的企業。

We take your money and we invest it and we make a lot of money while you believe that you have a place to park your money.

我們把你的錢拿去投資，然後賺大錢，而你卻認為你的錢有地方存放。

And then they also pay you a miserable tiny little interest just to make you feel good.

為了讓你感覺良好，他們還會付給你少得可憐的利息。

Because you don't know how to invest your money.

因為你不知道如何投資你的錢。

In fact, if you look at the entire society, there is like the top 10% of the society that actually knows how to invest, which is why they consistently keep investing and they make a lot of money.

事實上，放眼整個社會，真正懂得投資的人就像社會的前 10%，這也是為什麼他們始終堅持投資並賺了很多錢的原因。

Which is why banks have plenty of fish to catch.

這就是為什麼銀行有很多魚可釣。

So there is like 90% of the population whose money the banks can use in order to take and invest and make a ton of money.

是以，有 90% 的人的錢可以被銀行用來投資，賺大錢。

Banks are not allowed by law to invest all of your money.

法律不允許銀行將您的所有資金用於投資。

They have to keep 10% of your money in the bank just in case if you show up tomorrow and you want to withdraw some of your money.

他們必須在銀行裡留存 10%的錢，以防你明天出現時想取錢。

Which is why they keep a fraction of your money and invest 90% of that.

這就是為什麼他們會保留你的一小部分資金，並將其中的 90% 用於投資。

So when you went to the bank and you deposited your $10,000, the bank took $9,000 out of those savings and invested it or gave it as a credit card debt.

是以，當你去銀行存入 10,000 美元時，銀行會從你的存款中拿出 9,000 美元進行投資，或將其作為信用卡債務。

And what is the average interest rate on credit cards?

So if you check the total amount of credit card debt in the US, it's about 1.2 trillion dollars.

是以，如果您查看一下美國的信用卡債務總額，大約為 1.2 萬億美元。

So the banks are roughly making around 324 billion dollars of pure cash just from credit card interest.

是以，僅從信用卡利息中，銀行就能賺取約 3240 億美元的純現金。

And we did not even include car loans, personal loans, student loans, and mortgages.

這還不包括汽車貸款、個人貸款、學生貸款和抵押貸款。

Do you see how quickly that number adds up and how much real money banks are making?

你知道這個數字加起來有多快，銀行賺了多少真金白銀嗎？

So technically, your $10,000 is still there in the bank, but it's not because $9,000 was invested by loaning it to someone else, which makes the total amount of money in the system right now $19,000.

是以，從技術上講，你的 10,000 美元仍然存在銀行裡，但它並不存在，因為 9,000 美元已經通過借給他人進行了投資，這使得目前系統中的資金總額為 19,000 美元。

And that's the second thing that banks don't want you to know.

這就是銀行不想讓你知道的第二件事。

Only a fraction of your money is kept in the bank while everything else is invested.

只有一小部分資金存入銀行，其他資金都用於投資。

And it's not you who is getting the benefits of those investments, it's the bank that is profiting using your money investing it while you get a tiny fraction, maybe less than 1% in most cases.

從這些投資中獲益的不是你，而是利用你的錢進行投資並從中獲利的銀行，而你只能得到很小一部分，大多數情況下可能不到 1%。

Let's say the bank loans that $9,000 to your neighbor who is a mechanic.

假設銀行把這 9000 美元貸給了你的鄰居，他是一名機械師。

But it isn't exactly safe to walk around with $9,000 in your pocket.

但是，口袋裡揣著 9000 美元到處走並不安全。

You can get robbed, you can get stopped, and who doesn't want an extra $9,000.

你可能會被搶劫，你可能會被攔截，誰不想多賺 9000 美元呢？

So your neighbor who is a mechanic takes $9,000 and comes back and opens a savings account in the exact same bank and deposits that $9,000 in the exact same bank.

你的鄰居是個技工，他拿了 9000 美元回來，在同一家銀行開了一個儲蓄賬戶，並把 9000 美元存入了同一家銀行。

What do you think the bank does with this extra $9,000?

你認為銀行會如何處理這額外的 9000 美元？

Again, the banks are not there to protect their money.

同樣，銀行也不是為了保護他們的錢。

They take that $9,000, keep a fraction of it, which is 10% and loan 90% of that or $8,100 to someone else who needs it at a much higher interest rate.

他們拿走 9,000 美元，保留其中的一部分，即 10%，然後以更高的利率將其中的 90% 或 8,100 美元借給需要這筆錢的其他人。

Let's say the bank loans that $8,100 to Jimmy who wants to buy a car.

假設銀行把這 8100 美元貸給了想買車的吉米。

So he takes that $8,100, he goes to his friend who is selling his used Toyota and gives him that $8,100.

於是，他拿著那 8100 美元，去找賣二手豐田車的朋友，把那 8100 美元給了他。

His friend who just sold him the car to Jimmy can walk around with $8,100.

剛剛把車賣給吉米的朋友可以帶著 8100 美元到處走動。

So he takes that money and he goes to the exact same bank and he opens a savings account and he deposits that $8,100 into that bank account.

於是，他拿著這筆錢去了那家銀行，開了一個儲蓄賬戶，把 8100 美元存進了那個銀行賬戶。

Now, what do you think the bank is going to do with that $8,100?

現在，你認為銀行會怎麼處理那 8100 美元？

The bank is going to keep a fraction of that, which is 10% and will loan everything else to someone else to make more money.

銀行會保留其中的一部分，即 10%，然後把其他的都借給別人，以賺取更多的錢。

And the cycle repeats over and over and over, where at the end of the day, the $10,000 that you deposited in JP Morgan or in this particular bank is going to turn into at least $100,000 if not more than that.

週而復始，到最後，你存入摩根大通或這家特定銀行的 1 萬美元將變成至少 10 萬美元，甚至更多。

And that's why there is just around 8 trillion dollars of money within the system in pure cash that refers to real physical money and 123 trillion dollars of total money in the system.

這就是為什麼系統內只有約 8 萬億美元的純現金（指真實的實物貨幣）和 123 萬億美元的貨幣總量。

And that's why most money simply doesn't exist, it was simply over and over.

這就是為什麼大多數錢根本就不存在的原因，它只是過了又過。

Now, there is more money within the system chasing the exact same amount of goods and services within the system.

現在，系統內有更多的資金在追逐完全相同數量的商品和服務。

And that's the third thing that banks don't want you to know.

這就是銀行不想讓你知道的第三件事。

Banks are taking your money and creating more money using the fractional reserve banking, creating inflation in the process, driving the prices of goods and services higher and higher that devalues your initial amount of money that you deposited in the bank.

銀行拿著你的錢，利用部分準備金創造更多的錢，在這個過程中製造通貨膨脹，使商品和服務的價格越來越高，使你最初存入銀行的錢貶值。

And in the process, banks are making more money.

在這個過程中，銀行賺到了更多的錢。

Well, the money that you deposited in the bank becomes less valuable over time. 20 years passes and you decide to retire.

那麼，您存入銀行的錢會隨著時間的推移變得越來越不值錢。20 年過去了，您決定退休。

So you go to the exact same bank and you're asking, can I please have my $10,000 because I decided to retire?

所以，你去了那家銀行，你問，我能不能拿到我的1萬美元，因為我決定退休了？

Yes, of course you can have your $10,000.

是的，你當然可以擁有你的 1 萬美元。

But now your $10,000 can buy significantly less things.

但現在，你的 1 萬美元能買的東西大大減少了。

Just like the dollar lost 70% of its value over the last 20 years.

就像美元在過去 20 年裡貶值了 70%一樣。