为什么一些美国银行面临倒闭的风险？
Why Some Of America’s Banks Are At Risk Of Failing | CNBC Marathon
译文简介
硅谷银行、签名银行及瑞士信贷的相继崩塌，残酷揭示了备受信赖的金融机构可能在一夕间崩溃，导致数百亿美元资产陷入危局。FDIC数据显示，自2001年以来美国已有超过550家银行倒闭。这些金融机构的崩塌根源何在？又将给美国经济带来怎样的连锁反应？
正文翻译
CNBC专题报道深入剖析导致银行破产的成因及其对美国整体经济构成的威胁。过去五年间，花旗集团股价累计跌幅超过30%。2021年，首席执行官简·弗雷泽宣布重大战略转型，退出美国以外14个消费金融市场，全力押注财富管理业务。这种战略调整已被美国银行、富国银行等多家大型金融机构效仿。
全美范围内，数百家中小型区域性银行正承受巨大压力，面临破产风险。根据克拉罗斯集团对约4000家美国银行的分析，其中282家机构因商业地产风险敞口和利率攀升导致的潜在亏损而陷入困境，绝大多数风险银行属于小型社区银行范畴。
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全美范围内，数百家中小型区域性银行正承受巨大压力，面临破产风险。根据克拉罗斯集团对约4000家美国银行的分析，其中282家机构因商业地产风险敞口和利率攀升导致的潜在亏损而陷入困境，绝大多数风险银行属于小型社区银行范畴。
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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.
没有银行会真正陷入危机。小银行会被大银行收购，而大银行最终会得到政府的救助。
I suspect that the only ones who are always and truly in danger are the customers and employees of these banks
我怀疑真正长期处于危险中的，永远只有银行的客户和普通员工。
Why arent they talking about how tax payers bailed them out in 2008 followed by bonuses for the C Suite? They should fail
为什么没人提2008年纳税人救了银行之后，高管们却拿巨额奖金的事？这些银行就该倒闭。
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
花旗本质上就是个信用卡公司，而信用卡行业的利润率高达成本的50%，这种情况下还经营不善就太说不过去了。
In The US profit is always privatized and debit/failure always socialized!!
在美国，利润永远归私人所有，债务和失败却总让全社会买单！
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
救助经营不善的银行根本不是资本主义。美国民众不该为那些下错赌注的亿万富翁擦屁股。
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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?
我最关心的是，如何保护储蓄资产不受各种经济冲击的影响——不管那些高高在上的经济学家在论坛上扯什么。有什么金融工具能帮我实现这个目标？
What a beauty!! Has a market cap of $155 billion today but got $450 billion to get bailed out probably 18 years ago.
真讽刺！现在市值1550亿美元的公司，18年前却拿了4500亿美元救助金。
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.
这场银行危机远未结束。经历过12年前危机的人都懂，信贷危机不可能两周就解决。看到有人觉得风波已过真是可笑，当前的信贷紧缩必将引发更大衰退。
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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.
鉴于市场剧烈震荡，投资者该关注冷门股了。我27万美元的投资组合中，35%是曾经风光现在暴跌的股票，完全不知道该怎么办。
Rolling back Bank oversight regulations... Was and is unconscionable.
撤销银行监管法规这种事，过去和现在都丧尽天良。
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.
拿到第一手数据的话，应该对比银行债务与个人企业借款的违约率。企业贷款同样需要偿还，资金必须用于发工资、买设备、付场地租金和研发。归根结底，企业要靠项目盈利，而不是靠贷款续命。
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年我被花旗录用，结果上岗两天就通知要关闭分行，还假惺惺说"抱歉啊小朋友..."。现在在道明银行工作15年了，非常满意。
Cut CEO compensation and you'll save alot of smaller corporations. Greed is killing America.
把CEO薪资砍了，能救活多少小企业？贪婪正在毁掉美国。
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.
说大银行脆弱？抱歉，别想再拿救助金。企业该学会自己解决问题，就像他们总建议老百姓"自力更生"那样。
Trump said he wanted to loosen financial regulations.. Do we not remember what happened in the 1920s or 2007?
特朗普说要放松金融监管... 我们是忘了1929年和2007年的教训吗？
Old infrastructure, too many ancients workers and toxic culture
基础设施老化、员工老龄化严重，还有有毒的企业文化。
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
美林证券之前负责我们公司的401(k)计划，后来因为收费不合理和选股能力太差被换掉了。同事们的账户要么零增长，有的甚至一年亏22%——要知道那几年道指和标普可是整体上涨的。
Oh wow, banks are in trouble of falling... like this haven't happened before
哇哦，银行又要倒闭了耶... 这种事以前可从来没发生过呢
Start using Credit unxs. More personable and most give back funding directly to the local community!!
改用信用合作社吧！服务更人性化，而且资金直接回流本地社区。
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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，就该收归国有。
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.
美国银行业的兴衰周期如今已不可避免，因为它们严重依赖投机性资本和外来资金，这种模式注定要崩盘。
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).
说个真实情况：我家附近20-30英里原有6家银行网点，现在只剩2家加1个独立ATM。两年关了4家，其他银行也在收缩。有家网点改成了餐厅（结果8个月就倒闭了）。
there will be more bank failures as the new administration will impose less regulation
新政府放松监管后，会有更多银行倒闭。
Citi bought the company I worked for in 2000. I quit two months later. No regrets.
2000年花旗收购了我们公司，我两个月后就辞职了，从不后悔。
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
银行曾经只是存钱的地方？可能我太天真了。但既得利益者毫无悔改的贪婪证明他们根本不配成功。
Less systemic when most communities went to credit unxs when big banks Gauged the customers lol
大银行疯狂宰客时，大家都转向信用合作社，系统性风险自然就小了嘛（笑）
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Maybe the banks can start making coffee at home and stop buying avocado toast
银行高管们或许该学学在家煮咖啡，别再吃牛油果吐司装小资了
the problem is they lean on their muscle to enforce payment on just ok financial products, not actually raising the quality of their products
问题在于他们靠强势催收来掩盖平庸的金融产品，而不是提升产品质量
Citibank stole the gold of the Haïti central bank how that has been forgotten ????
花旗银行盗取海地央行黄金的事怎么就被遗忘了？？
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.
根本问题是政客不为民众服务。我们只是他们牟利的工具，他们真正服务的是富豪和企业。所谓"惠及民众"的政策只是副产品，每条法规的核心必有利于权贵。两党都一样——民主党共和党都被收买了，长久以来都在祸害美国人民。
Regular people (through taxes or absorbing effects of inflation due to bailout money from government) will bail out Banks.
最终买单的总是老百姓（通过税款或救助金引发的通胀）。
Commercial real estate I love this asset type, work with it every day.
商业地产是我最爱的资产类别，天天都在研究。
The deposited money goes to the CEO pocket not a safe.
存款根本没进保险箱，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当了六年财务总监。高管们的策略很简单：共和党执政就疯狂举债扩张，觉得收益能覆盖债务；民主党上台就假装需要监管和可持续债务。所以纳税人永远在救银行。
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.
现在两居室月租都要1600刀了。房地产投资成了暴利行业，贷款机构为追逐利润过度扩张地产组合。不仅是住宅，整片城区都被开发成体育场、商场、餐厅和娱乐区——根本是在赌博。
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。美国会迎来有能力处理这些问题的领导层吧？会的吧？？
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
美国银行数量过剩，面向普通人的零售银行系统只想着从现有客户身上榨取费用，而不是拓展客源。结果就是，相比其他经济体，我们的零售银行系统落后了20多年。至于花旗，迟早会成为价值毁灭的经典案例。
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.
只管从银行借钱别还，反正倒闭的是银行不是你。债务都是幻觉，借钱消费不用愧疚。
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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.
特朗普的第二轮量化宽松要来了。银行和股市会暴涨，通胀也会飙升。但工薪阶层在国债压力和低工资下，根本扛不住通胀。
Either way, the working-poor (tax-payers)will pay for this disaster again.
无论如何，穷忙族（纳税人）会再次为这场灾难买单。
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 .
我们不需要这么多银行。加密货币才是未来，应该建立去中心化金融系统，让权力回归民众和社区。
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FDIC insurance should be an option offered to and paid for by individual depositors.
联邦存款保险公司保险应该设为可选服务，由储户自费购买。
The Bank Owners will control our Money !! and the way we spend it !! and the way we Live !! !
银行老板会控制我们的钱、消费方式，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.
这种情况只会加速货币贬值和购买力流失。现行金融体系早已资不抵债多年。
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........
普通储户只想存钱付账单，却要为花旗乱买次级房贷背锅... 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.
不看好花旗重返财富管理市场的策略。他们应该专注强项（企业解决方案），而不是折腾弱势部门。
So, just to summarize...my two thousand dollars in the bank account is safe?
简单总结一下......我存在银行里的两千美元是安全的对吧？
Lol. Like we worry about banksters. They are the most catered to and protected group in country
笑死，我们才不担心那些银行家呢。他们可是全美国最受优待和保护的特殊群体。
Maybe focusing in MEI and not DEI could improve their financial situation
或许把精力放在MEI（多元经济倡议）而不是DEI（多元化、公平与包容）上，反而能改善他们的财务状况。
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..
我们的生活正在崩溃！我们的国家正在崩溃！我不知道该怎么活下去！我害怕极了！发生的一切正在摧毁我的心理健康和身体健康！！
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网，当然容易惹上麻烦。现在又到了发奖金和股票回购的时候啦！
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.
不同金融产品在不同环境下表现各异。当政策改变环境时，那些依赖特定客户群体的传统体系就会遭殃，转型变得异常困难。说到底，不稳定就是银行的催命符。
Why did J. Diamond just get a raise to 39 million in compensation for 2025 as announced during Davos.
凭什么杰米·戴蒙（J. Diamond）在达沃斯论坛上宣布自己2025年的薪酬要涨到3900万美元？
No worries. American taxpayers are always ready to bail them out. The working class gets screwed over and over again.
别担心，美国纳税人永远准备着给他们擦屁股。只不过工人阶级又要被反复压榨罢了。
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.
为什么视频里花这么多篇幅讲花旗？他们自己搞次级房贷过度投资导致衰落，后来又对客户服务差劲。看起来他们倒不至于破产，被收购有可能，但破产不至于。
This glimpse into how the sausage is made sickens me .
这种窥见金融业黑箱操作的过程真让我反胃。
the competition for money-laundering is fierce...
洗钱业务的竞争可太激烈了......
Stock market are rally, so people forget about financial crisis in the past.
股市一涨，人们就忘了过去的金融危机。
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 ).
我的社区银行接入了Cardano区块链：我可以把波动性和稳定性资产都储存在链上，还能通过借贷协议赚取真实收益。我获得了实用性和不断发展的安全金融科技生态。看来我是去中心化的早期采用者。这个领域会持续进化，相信很快，依赖中心化渠道储存价值的难题将成为历史（至少对散户来说）。
Let them fail no bailouts let the free market be free
让他们倒闭，别救市，让自由市场真正自由！
why? there are federal reserve, advanced technology with military in america
怕什么？美国有美联储、先进科技和军队撑腰啊。
Shouldnt there anyways be some banks at risk of failing? Its every American bank supposed to exist perpetually until the end of time?
难道本来不该有些银行面临倒闭风险吗？难道每家美国银行都该永生不灭？
In other words, people trust banks ONLY to the point they can get their money back! Got it!
说白了，人们信任银行的程度仅限于"能拿回钱"！懂了！
Small banks collapsing is a consequence of their work or deliberate action to concentrate the banking in just a few?
小银行倒闭是他们自身经营不善的结果，还是有人故意推动银行业集中化的手段？
Their customer service sucks. All offshore and clueless. You don't get "rich people " that way.
他们的客服烂透了，全是外包的糊涂虫。靠这种服务可留不住"有钱客户"。
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?
为什么这么多商业地产贷款拖累小银行？为什么人口增长快得连住房都跟不上？与此同时，我们总说发达国家生育率低？我们是在自欺欺人，还是用宽松移民政策过度补偿——那些公司嘴上说缺人才，实际就想招更便宜的外籍员工？这些人被绿卡诱惑着，甘愿加班忍受管理层虐待？
With California up in frxs real estate loans will definitely go up
加州房地产问题频发，房贷违约率肯定要飙升。
We told yall.another recession is going to hit us. End of story.
早就警告过你们，新一轮衰退要来了。没别的结局。
Companies exist to enrich upper management, anything else is trivial.
公司存在的意义就是让高管发财，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.
别信迈克·梅奥说的任何话。他为富国银行工作，而这家银行可是有欺诈客户的实锤记录的。
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居然做了正经金融分析而不是制造恐慌？开头10分钟觉得他们在黑花旗还行，结果后面还有30分钟？要我说信用卡和车贷要崩，做空桑坦德银行吧。
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.
人们对2008年银行救助计划太无知了。这其实是纳税人的胜利，因为政府通过救助资金赚了大钱。这是美国政府几十年来最成功的金融操作之一。
stop living BEYOND your means. STOP the overspending and pay down your debt.
别再入不敷出了！停止过度消费，赶紧还债！
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Good. Its time for us to become our own banks through insurances and other entities
好事。是时候通过保险和其他机构让自己成为自己的银行了。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
If you're too big to fail, you're too big to exist. It's that simple.
"大而不能倒"就意味着"大而不该存在"，道理就这么简单。
So if someone have money city groups, he need to swich bank asap
所以谁要是把钱存在花旗集团，得赶紧换银行了。
They will fail then say hey WE GOT CRYPTO! boom elephant is back in the room.
等他们破产了就会喊"我们有加密货币啦！"，然后房间里的大象又回来了。
Citi has the same old culture and will not win in the market anytime soon.
花旗还是那套老企业文化，短期内别想打赢市场。
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，那个嘉宾真该花30美元买个Nexigo摄像头，再花15分钟学学怎么用正常音量说话——别动不动就吼叫。
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.
要是银行倒闭了，我就去华尔街用生命吸管像狗一样喝马桶水——反正不会渴死。
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.
他们被救市了！！！我们这些人可是花了十多年找工作，所以别指望我同情他们。唯一庆幸的是这事没发生在AI让就业更惨的现在。
DOUBLE tax treaty networks are becoming serious prospective success things!
双重征税协定网络正在成为重要的潜在成功因素！
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.
现政府说我们以后不用货币了......改用加密货币......所以如果他们这次不救银行我才觉得奇怪呢。
Oh my God they failed because of their own confidence. Can you report on something not all fluff
天呐，他们失败居然是因为过度自信？你们能不能报道点有实质内容的东西？
People are moving their money into more secure like crypto
人们正把资金转移到更安全的地方，比如加密货币。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
This would not be an issue if fractional reserve banking was illegal rather than encouraged
如果禁止而不是鼓励部分准备金银行制度，这根本不成问题。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Her we go again just at another Republican gets in. Who could have guessed it?
又来这套，刚好赶上共和党上台。这谁能料到呢？（反讽）
This is why Warren Buffet cashed out huge positions. He wants to help the banks again, and make
这就是为什么巴菲特清仓大甩卖。他又想帮银行，然后......
the little guy is paying over 30% credit card interest...shame on you ***
普通人要付超过30%的信用卡利息......你们真不要脸（脏话被屏蔽）
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
I've been saying this for awhile now, but now that CNBC is saying it. I guess it's time to believe the opposite.
这话我说了好久了，不过既然CNBC都这么说，看来该信相反的了。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
They always land on their feet, courtesy of the White House
他们总能安全着陆，多亏白宫兜底。
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!
显然你根本不懂！！！美联储随时能从全球股市抽走所有利润还能保持偿付能力！你这点智商也配上播客？！
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.
哪家主要经纪商在替那些做空美国公司的机构兜底？我打赌这家银行马上需要美联储的甜蜜救助了。
WTF does the fed perform bank stress tests for? What a waste of money. DOGE should investigate!
美联储搞银行压力测试有毛用？纯属浪费钱。狗狗币团队都该来查查！
Or as the rest of the world knows it, Billionaires Slush fund....
或者按世界其他地方的叫法——亿万富翁的洗钱基金......
Fail and jail. Corrupt Wall Street gambling. No balls Government oversight. No monopoly and trust busting. Shame, Shame and Shame.
让银行破产，把高管送进监狱。华尔街的腐败赌博行为必须被清算，政府监管机构却毫无作为。既不打击垄断也不拆分财团，真是可耻至极，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.
道理很简单，虽然部分准备金制度允许银行只保留10%的现金，但这不代表必须这么做。如果CEO们够聪明，就应该持有更多储备金。换作是我经营银行，准备金率低于30%的话，绝对会让我夜不能寐。
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
我衷心祝愿所有亿万富翁和千万富翁都安好。我们需要他们活着，如果他们需要救助，我随时愿意伸出援手。愿上帝保佑美国和特朗普。
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.
这视频12小时前刚发布，数据怎么就已经过时了？随着莉娜·可汗下台和特朗普当选总统，并购潮即将爆发。美联储去年降息75个基点，现在却说利率要上涨？确实疫情后利率有所回升，但当时降息是为了刺激经济。包括我在内的大多数分析师预计今年还会再降息两次，每次至少50个基点。这视频看起来像是半年前制作的，现在才上传。
Banks get another bailout. CEOS & all boards get Bills $$ In bonuses. Same old story & taxpayer cost.
银行又拿到救助金，CEO和董事会成员照旧领高额奖金。老套路了，最后买单的还是纳税人。
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!
有客户还能倒闭？这种说法太荒谬了。说明他们过度参与市场赌博且亏损严重，简直愚蠢。银行服务本质上就是无本生意，每笔贷款都是白赚的钱。看看他们现在说要抛弃穷困群体、只服务富人，这种懒惰行径真是人类的悲哀。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Move all your monetary value onto the blockchain!!
赶紧把你所有的资产都转移到区块链上吧！！
Individuals should group together and make bank runs every day
老百姓应该联合起来，每天都去银行挤兑！
this is why chase bank only offers 0.2% accounts While others offer 4%
I will go for the 0.2%
这就是为什么大通银行只给0.2%的存款利率，而别家能给到4%。不过我还是选大通的0.2%。
Less systemic when most communities went to credit unxs when big banks Gauged the customers lol
自从大银行疯狂收割客户后，多数人都转向信用合作社，系统性风险反而降低了吧，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!
显然你根本不懂自己在说什么！！！美联储银行集团随时能从全球股市抽走所有利润并保持偿付能力！你这点智商根本不配上播客节目！