2010即將來臨之際,富爸爸集團對明年的看法: 
「這將是人類歷史上一次大事件的元年」

「天下沒有白吃的午餐」
「凡是出來混的,總有一天要還的」
「財富未曾消失過,只是會換手而已」
這幾句話真是千古不變的真理!! 
 

 

惠譽信評:中國銀行

業掩飾逐步攀升信貸風險

 
(法新社北京18日電) 惠譽信評 (Fitch Ratings)今天提出
警告,中國銀行業為配合政府資本要求規定,透過金融行動
將貸款問題推卸至決算表上,卻讓「隱藏的信貸風險與日俱
增」。
惠譽在報告中指出,這樣的作法恐導致引發類似美國次貸危
機的環境出現。在這波危機期間,由於房價下跌,讓銀行界
蒙受抵押擔保證券 (MBS)重大損失。
惠譽表示,銀行出售貸款給金融機構,或在大量未公告交易
中將貸款重新包裝成為財富管理產品。
分析師說,這些挪出空間讓新貸款擴增並鬆緩資本和資金流
動壓力的交易,可能導致銀行業未償貸款(outstanding loans)
明顯減少。
中國銀行業今年上半年新增貸款高達7.4兆元人民幣,三月
更創下1.89兆元人民幣新增貸款單月新高紀錄。
 



標普調降希臘信評

投信:不影響歐股長多

「歐股長多」?
說這種話的人真的搞不清楚經濟是如何驅動的。
管你科技多發達、製程多先進、產品多麼良好
只要沒有「
跟你買,你就沒輒。
企業想要獲利、股市房地產想要上漲、
都需要大量的「
」。

任何人都知道歐洲人的出生率是世界倒數幾個地方,
這不是一、兩年,甚至五、十年能扭轉過來的。
現在的歐洲經濟,還在靠既有的品牌
(法國酒、義大利時尚名包,德國名車、瑞士名錶等)
來彌補全球消費力下降的事實。

這也是為什麼富爸爸集團比較看好印度,
而非中國的原因。
因為印度的語言、與西方接觸的規矩與經驗,
都比中國豐富太多了;
同時印度沒有實行過「一胎化」的政策,
因此長線看來,所有外資都比較看好印度。

喜歡中國的人或許五至十年會有賺頭,
但是長遠看來中國人太會欺負台灣人了,
而且看人口數的未來發展,
中國將在二十年後遇到瓶頸,印度則不會。
如果你長期投資是為了自己二十年後的退休,
高科技股、綠色產業、與醫療保健等產業,
印度絕對比中國好。
(蘇聯、巴西人也多,但歷史經驗比較會亂。)



(中央社記者許湘欣台北18日電)針對標準普爾調降希臘
信用評等一事,投信業者認為,希臘等國家的債務問題引起
經濟危機可能性不高,企業信心指數(IFO)與歐股指數仍在
上升軌道,歐股多頭格局尚未結束。
標準普爾將希臘信評從「A-」降為「BBB+」,並表明不排
除未來再降。
匯豐歐洲精典基金經理人楊曜維表示,在金融危機後,歐洲
很多國家都實施經濟刺激政策,因此,造成債務比例增加。
雖然整體歐元區債務高於過去標準,預估2010年是負債高峰
,要到2011年起整體負債比例才會逐步下滑,不過,他認為
,希臘等政府債務危機影響是局部的,在全球或區域範圍引
起新一輪危機的可能性不高。
希臘被調降評等事件,雖然對當地股市造成影響,但對整體
歐洲股市影響不大。

 

富爸爸出力不夠?

杜拜會債權人恐談不攏

英歐曝險仍高


爽,歐洲國王們這次踢到鐵板了。
(因為石油輸出國加組織比較親美)

 
 財經中心/綜合報導
杜拜金融風暴沒完沒了!雖然有個有錢大哥「阿布達比」撐
腰,不過,救濟金額可能只足以填補整體曝險規模的1成,
剩下的得看今(21)日杜拜世界與世界各國數百名銀行債主的
債務協商結果,而英國媒體擔心的是,杜拜融資架構太複雜
,今日談了老半天,也很難提出完整的償還方案,最終還是
苦了曝險最多的英國歐洲。

 

美政府批准房利美與

房地美主管數百萬薪酬


p2.JPG
 
美國官員今天公布美國聯邦國民抵押貸款協會(Fannie Mae,房利美)與美國聯邦住宅貸款抵押公司(Freddie Mac,房地美)這兩大貸款巨擘高階主管價值數百萬美元的酬勞後,政府在壓低高階主管薪酬上,倒退了一步。

根據兩大公司監管人員提交的文件,房利美執行長威廉斯(Michael Williams)與房地美執行長哈德曼(Charles Haldeman)每人每年可賺得最高達600萬美元酬勞,儘管其中有一部分是取決於公司業績。

房利美其他6位高階主管及房地美的其他4位主管,可以依照業績賺逾100萬美元。
兩家公司的監管人員表示,依照這套新工資,高層主管獲得的報酬較兩公司置於政府「接管」下之前,低了40%。鑒於美國爆發房市危機,美國政府於2008年9月把房利美、房地美交由「管理人」掌管。

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  • .
  • Military force guarantee petro-standard USD.
  • 數豆子的人
  • 杜魯門,甘迺迪,詹森,柯林頓的時代想推全民健保,都不了了之.
    歐巴馬推銷成功了. 國王人馬果然不同凡響.
    看來美國暫時帳面上還挖東牆補西牆.
    等到算總帳的那一天再一起還吧.
  • 異想天開
  • 黑天鵝們有沒有可能協調好同一個禮拜一起出現 ? 畢其功於一役 ?
    到時後紐約,倫敦,東京,法蘭克福,巴黎,蘇黎世,芝加哥,阿姆斯特丹,杜拜,雪梨,約翰尼斯堡一起大放假一段不短的時間.
    然後...與...就過著幸福快樂的日子.
  • cheloan(威辰)
  • 發生什麼事了??

    剛剛再上一次http://www.truthin08.org/
    美國國債我記得我前幾天看到的數字大概12.4兆
    我會記住這個數字是因為我自己發了一篇噗浪在罵非凡新聞只在跑馬燈底下顯示白宮發言人說歐巴馬即將簽署將國債上限提高到12.4兆
    但是這個網站的國債鐘直接跳升???
    現在直接跳升成16兆???
    truth國債我記得是78兆
    但是剛過年就變成87兆???
    有格友或立天老師知道發失什麼事情嗎???
  • bean counter
  • USA national debt = USD 12.2 T
    USA total debt = USD 56 T
    USA total unfuned debt (social security + medicare + mediaid) = USD 99.2 T
    total devariatives by OTC = USD 650 T
    worldwide GDP = USD 62 T
    in Dec. 2009. (one of information)
    The number maybe jump sharply and suddenly in last day of quarter due to public bond should be sold out before end of quarter in order to avoid de jure default.
  • 書呆子
  • 陽光底下沒有新鮮事

    1792年2月謠傳法國即將進攻英國,終於引發了英國全國性的銀行擠兌風潮。
    為避免銀行系統陷於危機,英國議會(內閣制)發布命令暫停英格蘭銀行(央行)紙幣對真實金銀的兌換權。

    金本位也是會偶而關閉黃金兌換窗口的.
    看來不要只罵美國,因為英法荷西德日等列強都有政府違約的記錄,美國只是學習其它國家的經驗而已.
  • 懶人
  • Fed Told AIG to Limit Swaps Disclosure

    Jan. 7 (Bloomberg) -- The Federal Reserve Bank of New York, then led by Timothy Geithner, told American International Group Inc. to withhold details from the public about the bailed-out insurer’s payments to banks during the depths of the financial crisis, e-mails between the company and its regulator show.

    AIG said in a draft of a regulatory filing that the insurer paid banks, which included Goldman Sachs Group Inc. and Societe Generale SA, 100 cents on the dollar for credit-default swaps they bought from the firm. The New York Fed crossed out the reference, according to the e-mails, and AIG excluded the language when the filing was made public on Dec. 24, 2008. The e-mails were obtained by Representative Darrell Issa, ranking member of the House Oversight and Government Reform Committee.

    The New York Fed took over negotiations between AIG and the banks in November 2008 as losses on the swaps, which were contracts tied to subprime home loans, threatened to swamp the insurer weeks after its taxpayer-funded rescue. The regulator decided that Goldman Sachs and more than a dozen banks would be fully repaid for $62.1 billion of the swaps, prompting lawmakers to call the AIG rescue a “backdoor bailout” of financial firms.

    “It appears that the New York Fed deliberately pressured AIG to restrict and delay the disclosure of important information,” said Issa, a California Republican. Taxpayers “deserve full and complete disclosure under our nation’s securities laws, not the withholding of politically inconvenient information.”

    Geithner Had ‘No Role’

    “Secretary Geithner played no role in these decisions,” Meg Reilly, a Treasury spokeswoman, said in an e-mail. “He was recused from working on issues involving specific companies, including AIG,” after his nomination for Treasury secretary on Nov. 24, 2008. Geithner “began to insulate himself weeks earlier in anticipation of his nomination,” she said in a separate statement.

    Geithner, who was tapped by President Barack Obama, took the Treasury job in January, 2009. Mark Herr, a spokesman for New York-based AIG, declined to comment.

    Issa requested the e-mails from AIG Chief Executive Officer Robert Benmosche in October after Bloomberg News reported that the New York Fed ordered the crippled insurer not to negotiate for discounts in settling the swaps. The decision to pay the banks in full may have cost AIG, and thus taxpayers, at least $13 billion, based on the discount the insurer was seeking.

    The e-mail exchanges between AIG and the New York Fed over the insurer’s disclosure of the transactions show that the regulator pressed the company to keep details out of the public eye. Issa’s comments add to criticism from Republican lawmakers, including Senator Chuck Grassley of Iowa and Representative Roy Blunt of Missouri, who wrote letters in the past two months demanding information from Geithner, 48, about the costs of the AIG bailout.

    E-mail ‘Troubling’

    Barney Frank, a Massachusetts Democrat and chairman of the House Financial Services Committee, said the e-mail exchanges were “troubling” and that he supports holding congressional hearings to review them.

    AIG’s Dec. 24, 2008, filing was challenged privately by the U.S. Securities and Exchange Commission, which polices the adequacy of disclosures by publicly traded firms. The agency said in a letter to then-CEO Edward Liddy six days later that AIG should provide a Schedule A, which lists collateral postings for the swaps and names the bank counterparties that purchased them from the company. The Schedule A was disclosed about five months later in a filing.

    Securities Lawyers

    “Our position has always been that if AIG’s securities lawyers determine that AIG is legally obligated to make a particular filing or disclosure, then that is what AIG must do,” Thomas Baxter, general counsel for the New York Fed, said in a statement. He said it was appropriate for the New York Fed, as party to deals outlined in the filings, “to provide comments on a number of issues, including disclosures, with the understanding that the final decision rested with AIG’s securities counsel.”

    Kathleen Shannon, an AIG deputy general counsel, wrote to the insurer’s executives in a March 12, 2009, e-mail about the conflicting demands from the New York Fed and SEC.

    “In order to make only the disclosure that the Fed wants us to make,” Shannon wrote, “we need to have a reasonable basis for believing and arguing to the SEC that the information we are seeking to protect is not already publicly available.”

    Deutsche Bank

    Under pressure from lawmakers, AIG disclosed the names of the counterparties, which included Deutsche Bank AG and Merrill Lynch & Co., on March 15. The disclosure said AIG made more than $27 billion in payments without identifying the securities tied to the swaps or listing the value of individual purchases by each bank, details the Fed wanted to keep out, according to the March 12 e-mail from AIG’s Shannon.

    Earlier that month, Fed Vice Chairman Donald Kohn testified to Congress that disclosure of the counterparties would harm AIG’s ability to do business. The insurer agreed to turn over a stake of almost 80 percent in connection to its bailout.

    The e-mails span five months starting in November 2008 and include requests from the New York Fed to withhold documents and delay disclosures. The correspondence includes e-mails between AIG’s Shannon and attorneys at the New York Fed and its law firm, Davis Polk & Wardwell LLP. Tom Orewyler, a spokesman for Davis Polk in New York, declined to comment as did Shannon.

    According to Shannon’s e-mails obtained by Issa, the New York Fed suggested that AIG refrain in a filing from mentioning so-called synthetic collateralized debt obligations, which bundled derivative contracts rather than actual loans.

    ‘No Mention of the Synthetics’

    The filing “reflects your client’s desire that there be no mention of the synthetics in connection with this transaction,” Shannon wrote to Davis Polk on Dec. 2, 2008. “They will not be mentioned at all.”

    AIG had about $9.8 billion of swaps protecting the synthetic holdings as of September 2008, the company said on Dec. 10, 2008. Goldman Sachs said in a press release last month that it was among banks that had losses on synthetic CDOs.

    As part of a bailout that swelled to $182.3 billion, AIG and the Fed created Maiden Lane III, a taxpayer-funded facility designed to remove mortgage-linked swaps from the insurer’s books. Shannon told the New York Fed on Nov. 24, 2008, that AIG executives wanted to publicly disclose details about Maiden Lane the next day.

    “Do you think it might be feasible to hold off on the Maiden Lane III 8K and press release until next week?” Brett Phillips, a New York Fed lawyer wrote in an e-mail that day. “The thinking is that the Maiden Lane III closing will be a less transparent event, and it might be better to narrow the gap between AIG’s announcement and the New York Fed’s publication of term sheet summaries.”

    ‘Guided By Your Counsel’

    “Given the significance of the transaction, AIG would be best served by filing tomorrow,” Shannon wrote. “We will of course be guided by your counsel.” The document outlining the Maiden Lane agreement was posted on Dec. 2, 2008.

    In at least one instance, AIG pushed for documents to be disclosed and then released the information.

    “We believe that the agreements listed in the index (i.e., the Master Investment and Credit Agreement and the Shortfall Agreement) do not need to be filed,” Peter Bazos, a Davis Polk lawyer wrote on Nov. 25, 2008. “Please let us know your thoughts in this regard.”

    AIG’s Shannon replied that “the better practice and better disclosure in this complex area is to file the agreements currently rather than to delay.” The agreements were included in the Dec. 2 filing.

    More details of the negotiations over swaps payments emerged in November 2009 when Neil Barofsky, the special inspector in charge of policing the Troubled Asset Relief Program, assessed the Fed’s role in the bailout.

    ‘Entitled to Know’

    “Federal Reserve officials provided AIG’s counterparties with tens of billions of dollars they likely would have not otherwise received,” Barofsky wrote in a Nov. 17 report. “The default position, whenever government funds are deployed in a crisis to support markets or institutions, should be that the public is entitled to know what is being done with government funds.”

    The New York Fed may eventually recoup its loan to Maiden Lane III, the vehicle that obtained CDOs from the banks after paying to cancel the swaps, Barofsky wrote. According to a New York Fed report, the value of securities and cash held in Maiden Lane III climbed 4.5 percent to $23.5 billion in the three months ended Sept. 30.

    AIG’s first rescue was an $85 billion credit line from the New York Fed in September 2008. The bailout was expanded three times and is valued at $182.3 billion. That includes a $60 billion Fed credit line, an investment of as much as $69.8 billion from the Treasury and up to $52.5 billion for Maiden Lane facilities to buy mortgage-linked assets owned or backed by the company.

    - by Hugh Son in New York at Bloomberg

    Last Updated: January 7, 2010
  • LKK
  • 人口紅利

    人口紅利在2012年將達到比例的高峰 不過總數量還能增長到2017年 2017年後就開始坐溜滑梯

    青壯人口在工廠和辦公室和市場 衝衝衝的衝勁 將轉變為老人退休村的慈祥景色


    日本老人安養中心設備一流 日本人很守法 但是連洗衣工人都不足 
    少子化後 誰家的少爺千金會願意去以洗衣服為終身事業 大家都要作人上人  
    所以日本主流只好默許第三世界留日學生到3K行業打工  只要 不鬧事 不出意外 沒有刑事犯罪 連續打工最多十一個月(一年以上算長期)
    日本主流媒體也很有默契的淡化處理

    真要認真要求某些行業全用本地日本人 也不是說不行  只要有人付帳單  
    那這些主流社會的老父母的安養費由誰來付帳單  
    醫院的非醫療性質的雜務由誰來付帳單 
    政府補助最後還是由青壯就業人口納稅來負擔

    現在的日本老化現象 就是我們的未來