大海航行靠舵手  萬維博文風向靠的是西岸同志來導航

https://www.weibo.com/1667064171/I99WMjiLq?type=comment

http://blog.creaders.net/u/8994/201910/359010.html

作者：西岸 留言時間：2019-10-28 14:28:03

這些數據里只有第一項，外債，有實際意義，其他都沒有意義。比如美國一般講債務，指的是政府債務，不是指私人和企業債務，想想美國僅學生貸款和信用卡債務就多大？都到了可能導致整個銀行系統毀滅的地步，因為這些債務都屬於銀行債務。基本上任何企業債務，和很多個人債務（比如房貸）都是銀行債務，因為都是企業通過銀行貸款運作的，哪怕企業有盈利，也不意味相應的貸款銀行沒有相關的債務，只要企業還沒還錢，銀行就有相應的債務，因為銀行的錢並不是自己的，而是用儲戶的錢投資，在沒有ROI之前都是債務。包括你這裡的對中國各個銀行的描述，也都是這種概念。

所以，用這裡的這種描述，任何經濟發展快的國家，也就是資金流轉量大和信貸發達，都是巨大負債國了。這種描述根本就沒有任何意義。

第二，任何國家的內債一般客觀上是可以不還的，只有外債無法逃避，具體解釋過很多次了，不多說了。

第三，中國有一個其他國家不具備的優勢，就是對於三角債可以很容易通過政府的調節而消掉債務。三角債是還債時間差導致的，錢在那裡，只不過不在應該在的地方，這是很容易通過一個中央機制解決的。

寫這類文章的人明顯是對債務的本質不清楚。

作者：kkllyy 回復 西岸  留言時間：2019-10-29 08:09:48

人家西方國家欠國內的債是要付利息的，你中共企業或政府欠的債

要還利息嗎？還不起怎麼辦？

作者：一冰 留言時間：2019-10-29 03:49:03

資料翔實，問題是誰借給他們的債？是國際銀行，還是國內百姓的存款？

作者：creaders10 回復 西岸  留言時間：2019-10-28 18:52:20

你這說得也太容易了。 按這邏輯, 外債也無實際意義， 可以不還的。 

你欠我， 我欠他， 最後一筆勾銷。

作者：天雅 留言時間：2019-10-28 16:50:17

如果是私人和私企債務，其實並不可怕。問題是，大陸真的是私企嗎? 

房子的房貸，付完後，70年的使用權是否也到期了? 或已過期了?

Credit card balances carried from month to month continue to inch up, reaching $435.9 billion halfway through 2019, according to NerdWallet’s annual analysis of U.S. household debt. That’s an increase of more than 5% over last year. And for Americans carrying that debt, the impact is significant.

The average U.S. household with credit card debt has an estimated $6,8291 in revolving balances, or balances carried from one month to the next, the analysis found. This pernicious type of debt, which often comes with high interest rates that make it a challenge to pay off, can feel inescapable. About 1 in 11 (9%) Americans who have credit card debt say they don’t think they will ever be completely free of credit card debt, according to a NerdWallet survey conducted by The Harris Poll.2

以下中文一律為谷歌同學一秒鐘完工譯文：

根據 NerdWallet 對美國家庭債務的年度分析，每個月持有的信用卡餘額繼續增加，到2019年中旬達到4359億美元。 比去年增加了5％以上。 對於承擔這些債務的美國人來說，影響是巨大的。

分析發現，美國平均有信用卡債務的家庭的循環欠款約為 6,829 美元，即從一個月到下一個月的餘額。 這種高風險的債務通常伴隨着高利率，使其難以還清，這是一種不可避免的債務。 根據哈里斯民意調查（The Harris Poll）進行的NerdWallet調查，有信用卡債務的美國人中約有十分之一（9％）表示他們認為自己永遠不會完全擺脫信用卡債務。

New York (CNN Business)America's debt load is about to hit a record. The combination of cheap money and soaring debt helped fuel the decade-long economic expansion and bull market, but America's gluttony of loans could work against it if its fragile economic balance shifts.

In the first quarter of 2019, the United States' total public- and private-sector debt amounted to nearly $70 trillion, according to research by the Institute of International Finance. Federal government debt and liabilities of private corporations excluding banks both hit new highs.

Debt in itself isn't bad. Borrowing can help governments and businesses grow by funding important projects and services that make the economy stronger. And right now, the United States can still deal with its debt burden. The economy, about $21 trillion in size, remains healthy, and the Federal Reserve is preparing to cut interest rates and make debt even cheaper. But America's near-record liabilities could be dangerous down the road.

紐約（CNN商業）美國的債務負擔即將達到創紀錄水平。 廉價貨幣和不斷飆升的債務相結合，助長了長達十年的經濟擴張和牛市，但如果脆弱的經濟平衡發生變化，美國大量的貸款可能會對它不利。

根據國際金融研究所的研究，2019年第一季度，美國的公共部門和私營部門債務總額達到近70萬億美元。 聯邦政府的債務和私人公司（不包括銀行）的負債均創下新高。

債務本身也不錯。 借款可以通過資助使經濟更強大的重要項目和服務來幫助政府和企業發展。 現在，美國仍然可以處理其債務負擔。 經濟規模約為21萬億美元，仍保持健康狀態，美聯儲（Fed）準備降低利率並使債務更便宜。 但是，美國近乎創紀錄的債務在未來可能是危險的。

The financial position of the United States includes assets of at least $269.6 trillion (1576% of GDP) and debts of $145.8 trillion (852% of GDP) to produce a net worth of at least $123.8 trillion (723% of GDP)[a] as of Q1 2014.

The U.S. increased the ratio of public and private debt from 152% GDP in 1980 to peak at 296% GDP in 2008, before falling to 279% GDP by Q2 2011. The 2009-2011 decline was due to foreclosures and increased rates of household saving. There were significant declines in debt to GDP in each sector except the government, which ran large deficits to offset deleveraging or debt reduction in other sectors.[2]

As of 2009, there was $50.7 trillion of debt owed by US households, businesses, and governments, representing more than 3.5 times the annual gross domestic product of the United States.[3] As of the first quarter of 2010, domestic financial assets totaled $131 trillion and domestic financial liabilities $106 trillion.[4] Tangible assets in 2008 (such as real estate and equipment) for selected sectors© totaled an additional $56.3 trillion.[6]

美國的財務狀況包括至少269.6萬億美元的資產（占GDP的1576％）和145.8萬億美元的債務（占GDP的852％），以產生至少123.8萬億美元的淨資產（占GDP的723％）[a]截至2014年第一季度。

美國的公共債務和私人債務比率從1980年的152％增加到2008年的296％的峰值，然後在2011年第二季度降至279％。2009-2011年的下降是由於止贖和家庭儲蓄率的提高。除政府部門外，每個部門的債務對GDP的下降均顯着下降，政府的赤字較大，以抵消其他部門的去槓桿化或債務減少。[2]

截至2009年，美國家庭，企業和政府的債務總額為50.7萬億美元，是美國年度國內生產總值的3.5倍以上。[3]截至2010年第一季度，國內金融資產總額為131萬億美元，國內金融負債為106萬億美元。[4] 2008年，特定部門的有形資產（如房地產和設備）©總計為56.3萬億美元。[6]

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 小喜鵲攔路打劫 視頻

Andrea Giuffredi graduated in Trumpet at the Nicolini Conservatory of Piacenza in 1985. Since 1983 he has been performing as first trumpet in the major Italian opera and symphonic institutions, the RAI Orchestra of Turin and Milan, the city Theatre in Florence, the Regio Theatre in Parma, La Scala Theatre in Milan, the symphonic Orchestra Arturo Toscanini of Emilia Romagna, and the Toscanini Philharmonic . He played with conductors like Riccardo Muti, Zubin Metha and Seiji Ozawa in the major concert halls worldwide. He performed as solo trumpet accompanied by I Solisti Veneti, Sicily’s Symphonic Orchestra, the symphonic Orchestra Arturo Toscanini of Emilia Romagna, Tirana Radio Symphony Orchestra, Krasnoyarsk Symphony Orchestra and Salzburg Chamber Soloist. He performed sound tracks by Ennio Morricone, Nino Rota and classical pieces with a melodic and cantabile Italian style. He held masterclasses all over the world, among others: CTG China Trumpet Guild at the Nanchang University, at Denver University in the US, at Tirana Conservatory, at Beijing Central Conservatory at Lieksa Brass Week in Finland, at Kalavrita Brass Festival (Greece) and in several conservatories in Italy. He performed as first trumpet at Pavarotti & Friends 2000 with George Michael, Luciano Pavarotti and Enrique Iglesias. In 2006 he performed as first trumpet in the tour conducted by Ennio Morricone and La Scala Philharmonic Orchestra. He currently is professor of trumpet at the International Music Academy of Milan.