Thursday, July 17, 2008

美版「八萬五」的標準答案

最近,房利美Fannie Mae同房貸美Freddie Mac分別出事,要政府大手筆打救。大家可能會話:「又出事仲咁嚴重!咁喺美帝生活緊嘅人咪好慘?」咁啱早幾日,我同去完美國上course嘅《蘋果批》高明輝傾起呢個話題。

孫:「美國人家係咪一片愁雲慘霧?」

高:「我唔直接答你,我用例子答。有個美國仔AW帶我去美國一個小鎮買SMS電話卡,點知嗰頭比較荒僻,冇得單買卡,要連手機一齊買,價錢仲要同齋買卡差唔多。我即刻話:『It doesn't make sense for me to buy a cell phone. I have it!』AW就話:『This is America!WE WASTE!』」

聯儲局大把銀紙印


孫:「呵呵呵……今次房利美同房貸美出事,以二戰之後嚟計,通常一有呢類危機,美元滙率會上升同美國國債長息都會下跌,因為啲人爭住兌換可以保值嘅美元同美國國債。不過今次就冇,仲見到美元下跌。」

高:「其實問題出喺聯儲局度,畀得太大隨意性佢印銀紙。打伊拉克冇錢?印銀紙囉!醫療制度開大個頭冇錢?印銀紙囉!次按出事,銀行券商冇錢?印銀紙囉!原先冇事嘅銀行或券商,見到輸得唔夠大鑊政府唔救,會點做?結果蔓延開去,個個都不負責任,反正輸得多有政府救。政府銀紙越印越多,印得多,大家對佢都冇晒信心,因為個個都要救,都唔知你救得邊個。」

孫:「如果美元本身都唔值錢,廢除美元,咁美國政府抽稅用咩貨幣?」

濫發鈔票逃避問題

高:「假設冇中央銀行,就連最對政府最冇信心嘅美國人都會忍唔住問句:政府唔印銀紙,咁點算?」如果呢條問題問一個美國人,佢可能唔識答,但任何一個香港人都可以答你:「唓!香港咪又係3間上市商業銀行發鈔。滙率一直相安無事。」

諗美國抽稅用咩貨幣,不如諗美國效法香港,開放發鈔制度。譬如話,任何銀行拎住若干金銀實貨,就可以印一美元,銀行要有成本咁印銀紙。咁聯儲局濫發鈔票嘅問題會「唔存在」,抽稅貨幣問題亦都「唔存在」。

孫:「你同我一樣,都對聯儲局睇得好灰喎!」

高:「最近港台有個小學通識問答比賽,其中一條問題問『形容一個人有逃避問題嘅性格,會用咩政策去形容』,有位香港小朋友答『八萬五』,傳為一時佳話。如果呢條問題有美國版,美國小朋友一定會話:『係聯儲局!』

1 comment:

  1. Maintenance used to be one of the biggest hurdles for anyone wanting to start flying RC helicopters. Thankfully, electric RC rc helicopters tremendously decreased the amount of repairs required. These little wonders were specifically designed to keep the amount of fixing necessary to minimum. Therefore, repairs can usually be made with just the bare hands or with only one screw driver. Even more impressive is the fact that these types of helicopter rarely need repairing at all. They can survive most types of crashes without any problem. Open Tee 2 is the best portable golf game on the market, and I suspect I'll be carrying myps around a lot more because of it. Three stars. With an average led flashlights life span of up to 50,000-plus hours, White led lights operate reliably year-after-year. The solid-state design renders tactical flashlights impervious to electrical and mechanical shock, vibration, frequent switching and environmental fluctuation. Integrated current-limited resistors prevent short-circuiting

    ReplyDelete