A storm of thinking about bank earnings triggered by the Nobel Prize in Economics

2021/10/0517:01:17 international 2847

I believe you already know that the 2021 Novo Bell Prize will be issued from October 4th to 11th local time at Sweden capital Stockholm . In 2021, the Nobel Prize winner's bonus is 10 million Swedish Krona (approximately 7.37 million yuan).

In addition to the Physiology, Medicine, Physics, etc., I noticed that the last one was October 11, 11:45 local time in Sweden, Nobel Prize in Economics was promulgated, see This economics award can not help but think of my father. My father has been working in Beijing. He can be said to have witnessed the prosperity and rise of Beijing. At the same time, he has also witnessed the bitterness and bitterness of Beijing. Helpless, because my father started trading stocks when Duan Duan was a child, when Duan Duan was seven years old, that is, nearly 10 years, my father lost 800,000 yuan, and my mother did not go home for a whole week. Since then, my father has The pressure is turning over and rising step by step, and therefore it has an indissoluble bond with finance

A storm of thinking about bank earnings triggered by the Nobel Prize in Economics - DayDayNews

Not long ago, my father asked me, do you know what the bank’s profitability is in this digital age? Without thinking, I said, isn’t it just lending to collect interest? Father shook his head, and then told me, in this increasingly digital age, haven’t you noticed that people seldom bring cash out of the house? People go to the bank. Take loans, spend money on loans, and so on. In the end, what you get to your account is just a series of numbers. You didn’t get real money, but you should be able to notice that the bank always accepts armed escort cash. For example, a certain student Today, the bank has reached 20 million in cash, which means that there is an additional 20 million in the bank’s account. If only 20 million is used,Today, there are two thousand people in the bank who went to this bank to get a loan of 10,000 yuan. Will the bank’s 20 million be less? Obviously not. These two thousand people borrowed 10,000 yuan. I believe 99.9%. Nine people received payments through bank cards, so what they got was just a string of numbers, and the 20 million that the bank received basically did not cost, which means that the bank can not only lend to these two thousand people, He can even use 20 million to lend to 4,000 or even 10,000 people, and the bank charged several times more interest, but his 20 million was basically unchanged.

A storm of thinking about bank earnings triggered by the Nobel Prize in Economics - DayDayNews

After listening to this I thought about it for a long, long time. At that time, I really felt the horror of people who play finance. Just follow a speech I listened to recently, analyzing Jack Ma’s "leverage" fundraising. The thinking mode of these big Gs in the financial circle is not bad. Called horror

This is the first time that Duan Duan has published an article. Some places may not be well written. I hope that friends who can read this article can point out the shortcomings and express their views in the comment area. Thank you

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