D**S
发帖数: 24887 | 1 China's shadow banking system is out of control and under mounting stress as
borrowers struggle to roll over short-term debts, Fitch Ratings has warned.
Fitch warned that wealth products worth $2 trillion of lending are in
reality a "hidden second balance sheet" for banks, allowing them to
circumvent loan curbs and dodge efforts by regulators to halt the excesses.
By Ambrose Evans-Pritchard
The agency said the scale of credit was so extreme that the country would
find it very hard to grow its wa... 阅读全帖 |
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发帖数: 1 | 2 https://www.zhihu.com/question/380469661
如题哈, 还没见报, 但是已经爆了
建议修改题目为“业绩大幅回撤”，而不是爆仓。
__________________________________________________
看过经典港剧《大时代》的朋友，可能记得刘青云饰演的方展博在股市的第一次成名之
作，是“火烧连环船”，大破陈万贤。（不禁再次感慨神剧）
桥水一直使用的Risk Parity策略，看起来无懈可击，但实际上和连环船一样，整体抗
风险能力很强，但是由于反复叠加杠杆，一旦敌方火力够猛，一艘船起火，那么整个舰
队都将付之一炬。
从目前看到的信息来看，负责点火的，貌似是沙特。周瑜打黄盖，愿打愿挨；沙俄闹沙
特，重挫原油。由于原油价格下跌，沙特需要资金维持国家财政，再加上美国疫情暴发
，股市看起来没那么好，就想起来从美国赎回资金，而由于达里奥的天才销售能力，沙
特有很多资金在桥水里面，也有很多钱在类似桥水的Risk Parity里面。
但是仅有沙特这个黄盖，是不会那么夸张的，因为缺一个东西，东风。但是疫情在美国
启动的时点，几乎和沙特点火时... 阅读全帖 |
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l****z
发帖数: 29846 | 3 雷曼兄弟破产时，风险与资产比是31：1，而今天德国主要银行的风险与资产比是32：1
，这些银行目前持有大量希腊债务
Sovereign Debt Crisis Won't End Until Global Financial Collapse
In the past, there certainly have been governments that have gotten into
trouble with debt, but what we are experiencing now is the first truly
global sovereign debt crisis. There has never been a time in recorded
history when virtually all of the governments of the world were drowning in
debt all at the same time. This sovereign debt crisis is never going to end
until there ... 阅读全帖 |
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P*********0
发帖数: 4321 | 4 The Bible on the Poor
or, Why God is a liberal
The Bible contains more than 300 verses on the poor, social justice, and God
's deep concern for both. This page contains a wide sample of them, and some
reflections. It's aimed at anyone who takes the Bible seriously.
As you read these passages, you will very likely feel a good deal of
resistance (possibly at first manifesting itself as indifference). American
churches have departed strongly from Biblical values in these areas, and
even created a r... 阅读全帖 |
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w*********s
发帖数: 2136 | 5 Rothschilds Stage Revolutions in Tunisia and Egypt To Kill Islamic Banks In
Emerging North African Markets
PwP Exclusive ©Feb 9 2011
Background: Tunisia has undergone increasing economic liberalization over
the last decade: In the 2010-2011 World Economic Forum’s Global
Competitiveness Report, it was ranked as the most competitive country in
Africa, as well as the 32nd most economically competitive country globally.
North Africa’s large Muslim populations are a vast business opportunity
... 阅读全帖 |
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w*********s
发帖数: 2136 | 6 Rothschilds Stage Revolutions in Tunisia and Egypt To Kill Islamic Banks In
Emerging North African Markets
PwP Exclusive ©Feb 9 2011
Background: Tunisia has undergone increasing economic liberalization over
the last decade: In the 2010-2011 World Economic Forum’s Global
Competitiveness Report, it was ranked as the most competitive country in
Africa, as well as the 32nd most economically competitive country globally.
North Africa’s large Muslim populations are a vast business opportunity
... 阅读全帖 |
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v**********m
发帖数: 5516 | 7 China Cuts Interest Rates for First Time Since 2008
By Bloomberg News - Jun 7, 2012 9:20 AM ET
Timothy Bitsberger on China, Global Central Banks
China cut borrowing costs for the first time since 2008 and loosened
controls on banks’ lending and deposit rates, stepping up efforts to combat
a deepening slowdown as Europe’s debt crisis threatens global growth.
Enlarge image China Cuts Interest Rates to Boost Growth as Inflation Eases
Members of China's military police force stand guard outside the ... 阅读全帖 |
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h**********9
发帖数: 3252 | 8
"QE itself disincentivizes lending by making it less profitable. As the Fed
buys bonds through QE, bond prices rise and yields are held lower than they
would be otherwise. Banks make profits by borrowing money at short-term
rates and lending at longer-term rates, making a spread on the difference.
With short-term interest rates pegged at zero, lower long-term rates flatten
the yield curve and thus reduce the profit banks make on new loans, so they
’re less inclined to lend aggressively. Ending ... 阅读全帖 |
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d******5
发帖数: 4273 | 9 新浪科技讯 北京时间12月11月早间消息，《金融时报》援引消息人士的说法称，
热门P2P网贷公司Lending Club已经确定了IPO(首次公开招股)发行价。这一价格为15美
元，高于此前公布的12至14美元的发行价区间。
消息人士称，Lending Club的IPO吸引了投资者的超额认购。该公司将出售5800万
股股份，融资8.7亿美元，而市值将超过54亿美元。
在出现超额认购的情况下，承销商有权从Lending Club购买额外的股份，使得这一
IPO的规模超过10亿美元。
Lending Club的支持者包括摩根士丹利前掌门人约翰·麦克(John Mack)和美国前
财政部长拉里·萨默斯(Larry Summers)。目前，该公司已成为全球最大的P2P网贷公司。
Lending Club股票将于本周四在纽约股票交易所上市交易，代码为“LC”。此次
IPO的主承销商包括摩根士丹利和高盛。(维金) |
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x****u
发帖数: 87 | 10 选一个money and banking的课程，学期论文给了几个possibilities, 各位牛人看看哪
个好
写，好找资料的，这里先谢过了。
redit and Lending in Texas: Right Here, Right Now - What is the status
of lending in Texas, 2008-2009? Commercial lending? Personal Lending?
Micro lending? Etc.....report on what the recent/current credit climate
is like in Texas and why...plus future outlook....
Employment Opportunity in Texas: Right Here, Right Now - What is job
availability, new job creation, loss of jobs, unemployment like in the
Lone Star State 2008-2 |
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w********2
发帖数: 632 | 11 Publication Cover
Journal
The Journal of Slavic Military Studies
Volume 19, 2006 - Issue 2
Journal homepage
186
Views
0
CrossRef citations
3
Altmetric
Original Articles
British “Lend-Lease” Tanks and the Battle for Moscow, November–December
1941—A Research Note
Alexander Hill
Pages 289-294 | Published online: 21 Sep 2006
Download citation https://doi.org/10.1080/13518040600697811
Select Language▼
Translator disclaimer
Full Article Figures & data Citations Metrics Reprints & Permis... 阅读全帖 |
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w*********g
发帖数: 30882 | 12 中国的人民币不久就会在金砖五国流通了
2012-03-07 21:20:55
http://www.ft.com/intl/cms/s/0/3e46ac04-67fd-11e1-978e-00144fea
China offers other Brics renminbi loans
by Henny Sender and Joe Leahy, Financial Times, 7 March 2012
China intends to extend renminbi loans to other Brics nations, in another
step towards the internationalisation of its currency.
The China Development Bank will sign a memorandum of understanding in New
Delhi with its Brazilian, Russian, Indian and South African counterparts on
March 29, say peo... 阅读全帖 |
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f******d
发帖数: 2394 | 13 当监管愈加严厉，当被裁的和被冷处理的首先是本应该拿生意的合伙人和董事总经理时
，远离金融行业会是一件长远来看正确的事情。只有某国还在不遗余力地搞“金融创新
”，忽悠不了外国人的钱，忽悠本国屁民也有那么难么？还真难。因为本国屁民没钱。
拥有50万人民币以上存款的帐户才占总帐户的0.7%。资产不算么？央行笑而不语。全世
界都在去杠杆，除了某国。
GE to Exit Most Finance as $26.5 Billion of Real Estate Sold
General Electric Co. plans to exit the bulk of its lending business,
including a $26.5 billion sale of most of its real estate, as Chief
Executive Officer Jeffrey Immelt refocuses the company on its industrial
roots.
In the broadest restructuring since the GE Capital... 阅读全帖 |
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发帖数: 1 | 14 12 月 1 日 又看了一则新闻， 呵呵
刚看了一则新闻关于麦当劳转卖的新闻，对于中国的食品安全，我总是千百个担忧，有
必要好好看一看接手人的背景及相关信息。接手麦当劳不容易啊。我不评论啊，只是观
看。你们撒的毒气越多，电磁波攻击的越强，我阅读的效果就越好。呵呵。
A consortium led by private-equity firm Carlyle Group (CG.O) and Chinese
conglomerate Citic Group Corp has neared a deal to buy McDonald's Corp's (
MCD.N) stores in China and Hong Kong for up to $3 billion, a source with
direct knowledge of the matter said.
The deal is likely to be signed before Christmas, the source said.
Reuters had reported in October that U.S... 阅读全帖 |
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O***O
发帖数: 1854 | 15 虽然早就麻木了，但是还是被2万亿美元（14万亿人民币）吓了一跳。
14万亿什么意思？按文中解释，1/5的现有常规贷款总量。这还不算影子银行，据说另
占1/4到1/3。加起来占了差不多50%，几乎全在房地产里。如果房价一旦涨势放缓---稳
定在高位都不行，整个银行体系（不仅仅是某家或者某几家大银行）要出事。局面比几
年前的希腊（12%）、西班牙（10%）、现在的意大利（8%）不知高到哪里去。
到时候央行一定会救援。所以银行系统崩是不会崩的。代价是货币总量（M2)翻倍。
人民币汇率则面对三个选择：急贬到14，跟全世界打贸易战；缓贬到14，全部外储拱手
让出；维持7，制造业死光。
再说一遍：以上不叫中共经济崩溃，叫“L”型新常态。中共更不会崩。中国经济越差
，中共在习包子手下统治越稳。
========================
http://fortune.com/2016/12/08/china-banks-hiding-trillion-loans/
China’s banks are masking loans as investments through an account... 阅读全帖 |
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l****z
发帖数: 29846 | 16 Wednesday, 11 Jan 2012 11:09 AM
Organized crime has tightened its grip on the Italian economy during the
economic crisis, making the Mafia the country's biggest "bank" and squeezing
the life out of thousands of small firms, according to a report.
Extortionate lending by criminal groups had become a "national emergency,"
said the report by anti-crime group SOS Impresa.
Organized crime now generated annual turnover of about 140 billion euros ($
178.89 billion) and profits of more than 100 billion ... 阅读全帖 |
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x****u
发帖数: 12955 | 17
You are really ignorant on the issue.
The problem with sub-prime mortgage default is because a lot of mortgage
lenders stopped really verifying incomes. The government law only asked the
bank to make sub-prime loans to people who don't have enough down payment
and/or credit history, it never asked the bank to ignore the basic lending
standard.
The higher default risk carried by sub-prime loans was never the issue,
because it's higher interest rate, fees and mortgage insurance requirement
alre... 阅读全帖 |
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p*****w
发帖数: 1206 | 18 Did you know?
你知道吗？
本田旗下的本田金融是第一家由于歧视性贷款定价导致被起诉的车企拥有的银行
据英国路透社12月3日报道，美国执法机构正准备以歧视性贷款定价为由控告本田汽车
美国金融分支机构——本田美国金融公司，该公司可能因此遭到罚款。
据美国证券交易委员会与本田美国金融公司共同发布的文件显示，由于该金融公司
涉嫌向部分借贷者收取更高的利率，形成了贷款价格歧视，美国司法部及消费者金融保
护局已经批准对该公司提起执法诉讼。
除了要求本田美国金融公司修改相关定价政策及行为外，美国执法机构还将对该公
司进行罚款或向其索要消费者救济(consumer relief)。但如果该公司愿意与之达成和
解协议，美国执法机构将推迟执行该诉讼。该公司则在文件中表示，正积极配合执法机
构以寻求双方都同意的解决方案。
案件最后结果
Honda Motor Co.'s U.S. finance arm and three major U.S. banks have agreed to
settle class-action lawsuits filed by black customers w... 阅读全帖 |
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z*****s
发帖数: 428 | 19 Auto lending includes direct lending and indirect lending.
Direct means that you apply auto loan directly from bank/credit union while
indirect is you apply through dealer.
The banks/CUs compete with each other at each dealer so that dealer will
likely to "send" your application to them. But how to win a dealer, they
have several ways.
One is to pay dealer an incentive to get application, another way is to
allow dealer to mark up the apr. That means the bank may only get 3% rate
while you are pa... 阅读全帖 |
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发帖数: 1 | 20 啊，就是crowdfunding类的。现在很热门啊。：）
不过争议也很大啦。而且regulation uncertainty也有。比如做大了，投资人到几百以
上，SEC就会介入，要求公司有proper filing和disclosure等。所以每个项目基本都很
小。将来如果出事，不知道美国的金融监管会不会kill this business.
另外，我个人是不看好lending club的。lending club这个概念其实就是导致上个经济
危机的sub-prime lending。结果现在有专业知识和相对充足资金的大机构不让做sub
prime业务了，反倒让个人投资者自己来投sub prime. 我觉得还挺讽刺和可笑的。。。
lending club的股票也是一路下滑，第一大股东陈天桥估计郁闷死了。
crowd funding类我觉得放个几千块玩玩还可以。在这里想讨论的是100k以上资金量的
投资，所以也没有提及reward checking, 信用卡开户等。 |
|
发帖数: 1 | 21 啊，就是crowdfunding类的。现在很热门啊。：）
不过争议也很大啦。而且regulation uncertainty也有。比如做大了，投资人到几百以
上，SEC就会介入，要求公司有proper filing和disclosure等。所以每个项目基本都很
小。将来如果出事，不知道美国的金融监管会不会kill this business.
另外，我个人是不看好lending club的。lending club这个概念其实就是导致上个经济
危机的sub-prime lending。结果现在有专业知识和相对充足资金的大机构不让做sub
prime业务了，反倒让个人投资者自己来投sub prime. 我觉得还挺讽刺和可笑的。。。
lending club的股票也是一路下滑，第一大股东陈天桥估计郁闷死了。
crowd funding类我觉得放个几千块玩玩还可以。在这里想讨论的是100k以上资金量的
投资，所以也没有提及reward checking, 信用卡开户等。 |
|
s*********k
发帖数: 15 | 22 这也能被猜出来， 太厉害了， 我ld就说给太多细节一下子就猜出来了， 不过不给公
司名字大家也没法给实际意见。 毕竟社交startup跟金融完全不是一个概念。
是Orchard Platform， 我最近在Lending Club投了钱， 觉得在股票债卷达到巅峰的时
刻， P2P Lending潜力很大。 很多对冲基金已经进入了这个领域， 在P2P Lending这
个行业， 适合institution的工具很少。 Orchard就是希望变成这个领域的Advent，
FactSet， 甚至Bloomberg/Reuters。 现在这个领域基本上是一片空白。
让我害怕的是Lending Club上市以后跌了四成， 当然脸书当年也是如此。 |
|
G***r
发帖数: 181 | 23 再多问大侠一个问题，为什么我的loan package里面有Truth-in-lending addendum和
GFE，有人只有GFE没有Truth-in-lending addendum呢，我理解为Truth-in-lending
addendum是计算APR用的，但是Truth-in-lending addendum里面有几项:
d、Final Appraisal inspect:$100 我理解为买新房所以额外交的inspection费
g、Closing/Escrow/Settlement: $2134
h、Escrow/Loan tie in fee: $200 这项不太理解
i、Recording fee - Assignment: $21 这项是不是escrow charge的?因为GFE里面有9.
Government recording charges: $150了
j、Courier/Msngr -3rd party: $100 文件快递费
以上5项共计$2555都是GFE里面没有的，但是我在close的时候需要支付的对吗？
这我不是比只给GFE的同学又硬生生多... 阅读全帖 |
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a********e
发帖数: 5779 | 24 这里给大家解释一下lendingclub(我最近比较烦，多码点字攒一下人品，你们有觉着我
写的好的送我几个包子吧）
Lendingclub 基本原理是一个人要借10000刀，36个月还清。可能有最多400个investor
借给他，毎个investor最少借出25刀（一个note), 这样相当于借款人向400个人借了钱
。每个月借款人要向investor还本付息。36个月后全部还清。这个是分期付款而不是CD
. CD是到期后一次性还本，这个每月还本加利息。
同样对于investor来说，如果你投资$10000，你不是把钱借给一个borrower，而且最多
借给400个borrower, 每个borrower每月分别给你还本付息。如果一个borrower
default, 你只损失了$25的一部分或全部，这就是把小投资者搞的跟银行一样分散风险
。每个月你从这400个borrower收回一些本金和利息，如果帐面超过$25, 你可以把$25
再贷给一个新的borrower.
Lending club对每个borrower规定了ABCDEFG7个等级的利率，从5.x%-25.x%不等，这个
利... 阅读全帖 |
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z****n
发帖数: 5870 | 25 我最近在First Lending找Linda做的。感觉不错。推荐一下
First Lending
9555 Lebanon Road, Suite 901, Frisco, TX 75035
512-308-3958 (C) | 214-395-2302 (C) | 214-291-7188 (F)
L***[email protected] | www.first-lending.com |
|
s*********k
发帖数: 15 | 26 这也能被猜出来， 太厉害了， 我ld就说给太多细节一下子就猜出来了， 不过不给公
司名字大家也没法给实际意见。 毕竟社交startup跟金融完全不是一个概念。
是Orchard Platform， 我最近在Lending Club投了钱， 觉得在股票债卷达到巅峰的时
刻， P2P Lending潜力很大。 很多对冲基金已经进入了这个领域， 在P2P Lending这
个行业， 适合institution的工具很少。 Orchard就是希望变成这个领域的Advent，
FactSet， 甚至Bloomberg/Reuters。 现在这个领域基本上是一片空白。
让我害怕的是Lending Club上市以后跌了四成， 当然脸书当年也是如此。 |
|
k**u
发帖数: 698 | 27 By COREY BOLES
WASHINGTON—The Senate voted to implement a major shakeup of the student
loan industry Thursday, in a move that will lead to the most dramatic
changes in the way college loans will be made since the Clinton era.
Under the proposal, all private lenders will be banned from originating
student loans, with the federal Department of Education stepping in to
become the sole provider of loans through a government-backed program.
The overhaul bill still needs to clear the U.S. House once m... 阅读全帖 |
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S*********n
发帖数: 4050 | 28 关于经济危机的起源，是regulation还是deregulation.
认为是regulation造成经济危机的请提供资料。TeddyBear请出手。
============================================
Officially the Great Recession started in December 2007, long before most
Americans on Main Street realized what was about to happen. And according to
the NBER, the Great Recession ended in July 2009, which most Americans on
Main Street cynically laughed at knowing full well their recession was not
over at that time.
There is a lot of blame to go around for the Great Recessio... 阅读全帖 |
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m**********n
发帖数: 27535 | 29 NEW YORK (Reuters) – Confidential diplomatic cables from the U.S. embassies
in Beijing and Hong Kong lay bare China's growing influence as America's
largest creditor.
As the U.S. Federal Reserve grappled with the aftershocks of financial
crisis, the Chinese, like many others, suffered huge losses from their
investments in American financial firms -- from Lehman Brothers to the
Primary Reserve Fund, the money market fund that broke the buck.
The cables, obtained by WikiLeaks, show that escalating... 阅读全帖 |
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y***o
发帖数: 145 | 30 当然有正据， 否则为什么会指责他呢？那么多的客人， 朋友告诉妈妈这个法官在窃听
她的电话， 没有的话， 不需要无中生有， 谁干吗要陷害别人呢？please those
three emails below so you can see why he is doing that: thanks.
这个法官不仅窃听， 而且已经都拉fbi LOS ANGELES, no one to investigate. here
is another email for you to review, you can also request to attorney
general office, or to DEPT OF JUSTICE. or ask guys from LA, they all know
that and they were approached by this judge's troop.
----- Forwarded Message -----
From: Winnie Tin
To: John Perroni iii 阅读全帖 |
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y***u
发帖数: 7039 | 31 Does History Follow Rothschild Mesiah Script?
by Henry Makow Ph.D.
April 17, 2014
This period cartoon illustrates the crowned heads of Europe -- the
ostensible rulers of the day -- bowing before Lionel Rothschild on his
throne of mortgages, loans and cash. In fact, this was the reality of the
day, the effective fruition of the age-old Jewish dream of a New World Order
-- a Jewish Utopia -- in which all other peoples of the planet would bow
down and worship the Jewish people, the new rulers of th... 阅读全帖 |
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b*****d
发帖数: 61690 | 32 新金融琅琊榜
作者：董云峰
美联储克利夫兰银行的最新报告认为，P2P类似于掠夺性贷款，并通过数据分析证
伪了P2P的三大神话：P2P让消费者能够为信用卡债务重新融资；P2P可以帮助客户提高
信用评分；P2P将获得信贷的机会扩大到那些传统银行服务不足的人。
报告并称，P2P市场出现问题的迹象正在显现，P2P贷款的违约率正在以惊人的速度
增长，类似于2007年次贷危机前夕。在此基础上，克利夫兰联储呼吁重新审视有关P2P
监管法律和政策。
整理：新金融琅琊榜
美联储克利夫兰银行最近发布报告《关于P2P借贷的三个神话》（Three Myths
about Peer-to-Peer Loans），很可能是近年来针对P2P行业最具杀伤力的一份报告。
报告开头指出，P2P贷款于2006年来到美国，个人投资者通过在线平台直接向个人
借款人借款。十年来，该行业发展迅猛，如今被广泛认为是当今金融市场最先进的消费
金融创新。
网贷从业者和政策制定者认为，P2P市场给消费者带来了独特的好处。他们提及最
多的三个好处是：首先，P2P贷款让消费者能够为信用卡债务重新融资；其次，P2P贷款
可以帮助客户建立信用记录... 阅读全帖 |
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M******a
发帖数: 6723 | 33 【 以下文字转载自 Mod_CHN_Hist 讨论区 】
发信人: Mayingba (吳鐘學), 信区: Mod_CHN_Hist
标 题: 奉天兵工厂
发信站: BBS 未名空间站 (Sun Jan 28 20:29:57 2018, 美东)
https://wwiiafterwwii.wordpress.com/2017/04/03/mukden-arsenal-after-wwii/
Mukden Arsenal after WWII
April 3, 2017 jwh19752 Comments
(Zhang's Gate, the old entrance to Mukden Arsenal)
For people interested in Japanese firearms of WWII, the name Mukden Arsenal
is familiar. The history of the facility after Japan's defeat is less well
known. Under various names, it did surv... 阅读全帖 |
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w********2
发帖数: 632 | 34 A recent book by Albert Weeks, Russia's Life-Saver: Lend-Lease Aid to the U.
S.S.R. in World War II, is a scholarly evaluation of Lend-Lease to Russia
that looks at Russian archival material and suggests Lend-Lease was far more
important to Soviet survival than the Soviets were willing to admit during
the Cold War. |
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T**********1
发帖数: 2406 | 35 Spend more than you earn is somebody else's fault?
Not to mention banks were forced to lend to the un-credit-worthy by the
community organizers and government regulators.
Wall street are at fault if they don't lend, like now.
Wall street are at fault if they do lend, like before.
And Wall Steet greed caused the 过度消费。
真是 叫花子造谣不用打钞稿。 |
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K******S
发帖数: 10109 | 36 Key figures in the matter were Attorney General Janet Reno and her Deputy,
none other than Eric Holder. They aggressively intimidated banks with
threats of prosecution, lawsuits, stiff fines, and regulatory roadblocks to
expansion and mergers. They paid little attention to actual lending
practices and underwriting criteria, focusing instead on the end results in
terms of percentages of minority loans approved. It mattered not whether the
lenders were actually discriminating on the basis of race ... 阅读全帖 |
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l****z
发帖数: 29846 | 37 CRA “Clearly Did” Lead To Risky Loans
February 9, 2013 by Rodney Graves
Democratic apologists hardest hit, Wizbang readers least surprised.
A new study by National Bureau of Economic Research confirms that the
aggressive expansion of the “Community Reinvestment Act” did indeed result
in the high risk loans which precipitated the economic crisis of 2008.
New Study Finds CRA ‘Clearly’ Did Lead To Risky Lending
By Paul Sperry
Investors Business Daily
Democrats and the media insist the... 阅读全帖 |
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发帖数: 1 | 38 去年十月，CFPB (Consumer Financial Protection Bureau) 在奥巴马任命的局长
Richard Cordray 推动下通过了一项法规，规定短期借贷 (payday lending) 行业在贷
款时，必须评估贷款人的偿债能力，限制贷款次数，以及规范借方从贷方银行账户直接
扣款的行为。去年十一月底，川普任命的新任局长 Mick Mulvaney 上任，上任不久，
就把这项规定“无限期停止”。
短期高利贷行业是针对底层低收入人民的一种 predatory lending，他们无节制地借钱
给穷人，当穷人付不起时，就提高利率，并直接从银行账户扣款，所以这种贷款常被称
为 debt trap。这种高利贷的平均利率高达 400% APR，常使得贷款人的银行账户被关
闭，或被收取高额的维护费。去年十一月底 CFPB 新任局长 Mick Mulvaney 上任不久
，就废止了这项规定。
CFPB 是个独立运作的消费者保护单位，宗旨是保护消费者被银行、信用卡公司、短期
借贷公司等金融机构剥削。Mulvaney 长期以来就极力反对这个单位的存在，他说它是
"sad a... 阅读全帖 |
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发帖数: 1 | 39 华裔赌徒邸千（45岁东北人）借钱不还 在美国华人社区流窜诈骗
邸千，一位来自中国大连市的45岁男子，在美国居住了二十多年，因为沉湎赌博而倾家
荡产，妻离子散，于是不停地搬家，到处向人借钱不还，租房欠缴租金，还经常报警诬
陷债主和房东。邸千骗钱的手段之一，就是吹嘘自己的“辉煌历史”，并将一份履历表
作为“道具”。
以下《中国游泳教练工作简历及主要成绩》由邸千同志自己编写，内容的真实性存疑，
未经大连市体育局等单位审核。
中国游泳教练工作简历及主要成绩
姓名：邸千 性别：男 出生年月：1971年2月21日
家庭住址：大连市中山区中南路亿成花园8号楼2单元501室
邮政编码：116001 电话：15322033666
简历：
1979年----1983年哈尔滨市兆麟小学校
1983年----1986年大连市辽宁师范大学附属中学 中学
1986年----1989年大连市辽宁师范大学附属中学 高中
1989年----1993年大连大学师范学院体育系体育教育专业
1993年----2007年大连市体育局体育运动学校游泳教练
2008年----日本神户大学青少年游泳教练员培训班学习
2009年---... 阅读全帖 |
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s********i
发帖数: 17328 | 40 US default means it won't pay its debt. Just because it is super power, nobody can do anything. Just like FED printing money, nobody can stop it. just as you lend money to mafia, if mafia decide to default, what can you do? best way is NOT to lend to mafia if you can. if you have to lend, then there is no way to hide.
past |
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z****7
发帖数: 880 | 41 http://www.portfolio.com/views/blogs/market-movers/2007/11/19/h
How Can Index Funds Beat the Market?
Ben Stein loves Dimensional Fund Advisors. They "run the most amazingly
successful, low-cost, unmanaged but somehow deep-value index funds I have
ever found," he says, adding that "their returns are amazing, and they
charge almost nothing." It's a bit weird: how can an index fund have "
amazing" returns? Surely the whole point of an index fund is that it's more
or less the same as the underlying ... 阅读全帖 |
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a***r
发帖数: 146 | 42 Bullish outlook on European and emerging market stocks, as well as
commodities.
By Jurrien Timmer, co-manager of Fidelity Global Strategies Fund, Fidelity
Viewpoints – 12/19/2012
It has been a year of confusion, of tail risks anticipated and averted,
fiscal cliffs, and quantitative easing (QE). It has been a year of a housing
recovery in the United States and a growth recession in China. It has been
a year when the eurozone stared into the abyss. It has been a year of an
against-all-odds rally i... 阅读全帖 |
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p********r
发帖数: 1980 | 43 I don't think we are at bubble yet. But if the mass media keeps talking
about it (they probably will) and the lending standard gets loose, then
people who bought in 05-06 and foreclosed since then are very capable of
creating another bubble.
Lending standard is the key. The qualified borrower pool is diminishing so
we had an investor-led recovery so far, but if that fades away. Would FED
try to pump more money into the system by lowering the lending standard?
What would you do if all the potenti... 阅读全帖 |
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V****o
发帖数: 210 | 46 我说的贷款，主要是指那些高利息的贷款，例如有些学费的loan, 信用卡的loan,向房
子、车子2%-3%应该还好了， 不过这也要看你对市场的预计，如果预计将来1-2年是熊
市，那还不如提前还款、或者手握cash了。
0.紧急生活费，就是万一失业了，或者家里有什么事情没有收入了，至少能够cover 6
个月到1年的开销，比如生活费、贷款、月供等等了。
1, roth ira
2.定投，我不知道你说的investment account是roth ira还是401K的，还是普通的
investing account, 帐号都是分开的，以前没有investment account，估计要重新开
个，简单的话就做定投投资了，根据每个月能够结余多少，每个月1次或2次定投买spy
和tlt ETF 基金，这两个基金的expense ratio都比较低的。 都是大盘的，不用太担心
的，因为长期看来股市都是上涨的。情况好时候，spy多放点，情况不好的时候，tlt多
放些。不要想着抄底，暴涨，那是隔壁stock版做得事情，其实每年能稳定的7%-8%的回
报，长期复利下来也是很客观的了。
3.lendi... 阅读全帖 |
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V****o
发帖数: 210 | 47 我说的贷款，主要是指那些高利息的贷款，例如有些学费的loan, 信用卡的loan,向房
子、车子2%-3%应该还好了， 不过这也要看你对市场的预计，如果预计将来1-2年是熊
市，那还不如提前还款、或者手握cash了。
0.紧急生活费，就是万一失业了，或者家里有什么事情没有收入了，至少能够cover 6
个月到1年的开销，比如生活费、贷款、月供等等了。
1, roth ira
2.定投，我不知道你说的investment account是roth ira还是401K的，还是普通的
investing account, 帐号都是分开的，以前没有investment account，估计要重新开
个，简单的话就做定投投资了，根据每个月能够结余多少，每个月1次或2次定投买spy
和tlt ETF 基金，这两个基金的expense ratio都比较低的。 都是大盘的，不用太担心
的，因为长期看来股市都是上涨的。情况好时候，spy多放点，情况不好的时候，tlt多
放些。不要想着抄底，暴涨，那是隔壁stock版做得事情，其实每年能稳定的7%-8%的回
报，长期复利下来也是很客观的了。
3.lendi... 阅读全帖 |
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a********e
发帖数: 5779 | 48 我从LC上市之前一个月开始投lending club（2014年底）. 投进五万，然后从2015年底
开始往外取钱(不再滚动投入）几乎每个星期都withdraw money.。起初半年显示Return
11%,12%现在lending club 显示return 5.3%. So far 取了33000，lending club 还
有21000多点的钱仍然出借中。这个两年总共收益才8%，感觉你只能不停的滚动投入才
能维持广告宣传的return. 而且变现太困难了。坏帐率也高。我自己买note, 不到2000
个note, 已经有200坏帐了。还不如lc 刚上市时买stock赚的好
: 定投SP500也不错~ 我也准备今年开始降低LC和Prosper的投资比例~
: 去年LC经历了丑闻和管理层清洗，今年以来股价也巨幅波动，意味着公司的商业
模式和
: 运营还是存在不稳定因素，总觉得投资比例过高后心理有点不踏实~ 不过我还是
会持有
: 一些，只是想优化整个portfolio的风控~
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t*******e
发帖数: 127 | 49
感谢大家的回复。事实上现在还没拿到Offer，只是觉得可能有戏，如果浪费大家的感
情还请见谅。
回答这位大牛的问题：
- 我比较看好p2p lending business。 lending club之前炒的的确过火了，从股价的
下跌可以看出来。但这个business model很好，也得到了监管部门的肯定，相信以后肯
定会慢慢蚕食部分银行的lending业务。
- 接触不多，还不确定，但从glassdoor上看score有4.1，所以应该比现在的公司好（
3.3）
- experience and more exposure to business side。现在的干的活就是螺丝钉，比
较适合大妈。唯一有吸引的是现在的老板承诺今年会帮助我Promote到manager，如果真
的实现的话，那还真是挺顺风顺水的。prosper待几年大概就会更了解这类startup是如
何运作的，以后真要自己创业的话，也可以积累一些经验。
- 如果公司前景暗淡，IPO无望，那就换工作或者卷铺盖回国。
现在就看能不能拿到offer和pkg怎么样了。好的话，我应该是倾向于去小公司锻炼的。 |
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t*******e
发帖数: 127 | 50 近期申请过的就不要重复申请了，刚帮一个同学推了结果HR告知此人已存在系统里。
-------------------------------------------------------------
感兴趣的朋友请将职位，resume和personal experience以第三人称简单写几句发到
[email protected]
/* */
公司：Prosper Marketplace
公司类型：Peer-to-Peer Lending
地点：San Francisco
职位列表：https://www.prosper.com/about/jobs
移民政策：没有H1B可能会被HR直接拒，入职后公司给办绿卡
公司现在发展非常快，近期招人会很多，engineer和data analytics相关的机会都很多
。engineer方面比较看重java。Risk方面比较注重data analytics能力，有consumer
lending/banking经验的会更有竞争力一些。
公司给的薪水很不错，上市前景好，毕竟有Lending club和on deck的成功经验，而
p... 阅读全帖 |
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