【謝田時間】1.負增長是中共文字遊戲 其實就是下降！ 2. 四大國有壟斷銀行，淨利潤為何大幅下降？中國存款四年達58兆表示什麼？ 3. 銀行淨利潤下滑 民眾存款是否安全？ 4.中共大量購買黃金目的？

Hello, Professor Xie. Hello, Sherry. Hello, everyone. Recently, I saw a report that the four major banks in China announced the financial data for the first quarter of this year and showed that net profit and negative growth appeared collectively. I saw an analysis saying that this is very rare in history. That is to say, the four major banks are finally going to be hollowed out. What do you think? First of all, I really don't like to use the word net profit and negative growth. It's not negative growth, it's net profit decline, it's a decline. Because the CCP is good at playing this word game. It calls that growth, growth. In fact, when it goes down, when it goes down, when it falls, it's called negative growth. It's still deceiving people in terms of words. So I definitely won't use this negative growth. The four major banks are now going down in net profit. Net profit has decreased significantly. This is indeed very rare. The very rare reason is not because of the four major banks of the CCP how capable they are or how well they operate. It's because we know that the four major banks of China are controlled by the government. It is monopolistic. But in fact, when there is a monopoly market, it is very easy to make a profit, and you can get huge profits. So it has always been the bottom of the government. After the bottom of the government makes more money, it can provide a lot of profits to the CCP's wealthy class. With the power of monopoly, it can avoid the impact of competitors. So the profit should be very, very abundant. But now it seems that in the first quarter of this year, the four major banks have all gone down. This is indeed very rare. This shows that China's economy has fallen to such a serious level which has led to a decrease in the income of the banks. But the four major banks of China, whether it's banks or state-owned banks, they are a bit like the CCP's bureaucratic system. It is also a very large organization. They are also very vulnerable. They don't dare to make a profit easily. So once the income goes down, once the profit goes down, they can't control it. So is it true that the four major banks are finally going to go down? I don't think they will go down soon. Some of them, as I just said, are state-owned banks, monopolistic state-owned banks. The government can still do something about it. It will have the desire to protect them, support them, and so on. Whether it's from finance or other ways to fill their gaps, it won't let them go down. Because I saw a report a while ago, which is also a recent report, which says that China's family deposit has reached 5.8 billion yuan in four years. Where did this money go? Does this have anything to do with the so-called negative growth in bank profits? This is two things. First of all, China's family deposit is now very strong. In fact, it looks like savings, savings increase should be a good thing. But in fact, it's not good for the economy. It also means that these money they don't invest in it, don't invest in production, don't start a business, but save it. In fact, the reaction is that the Chinese people, the Chinese people are not optimistic about the economic prospects. They are not confident. They feel that there is no opportunity to invest, and they don't want to do business. There is no way to do business. If there is no opportunity to make money, they are worried that the economy will decline faster in the future. Then they have to save it. This is the first point. That is to say, savings, from top to bottom, everyone is actively saving, everyone is worried about the future. The second point is China's family deposit. I remember some analysis showed that it is not if you sum it up, let's say it's 5.8 billion yuan, right? If we calculate it in terms of 1 billion people, one person is an average of 50,000 yuan, 50,000 yuan of savings, 50,000 to 60,000 yuan of savings. In fact, we know that his real savings is actually the huge savings of a small number of people. A large number of people, middle- and low-income people in China actually have no savings. Because the low-income people in China are 2,000 to 3,000 yuan a month. This is the case for hundreds of millions of people in China. Maybe 80% to 70% of people are like this. These people can't rely on 3,000 yuan a month to save a lot of money. So the number of savings is actually the money of the top officials of the CCP. Where did this money go? This money is still there. This money is still in the bank. But this money is not the income of the bank, nor is it the profit of the bank. Some of you may not know what this asset-debt table is about. These savings are actually a liability of the bank. Because this money is stored in it. For the bank, this is not the money of the bank. All these depositors have the right to take out the money. For the bank, this is actually not an asset, but a liability. So how does the bank pay for this debt? It depends on how the bank pays for it. The bank has to take out these funds and put them in a loan. The loan is a loan. Whether it's a car loan, a house loan, a credit card loan, or an industrial loan. After putting it out, after receiving interest, this part of the interest income is the income of the bank. So no matter how much money it saves, it has nothing to do with the growth of the profit of the bank. And now the profit of the bank is decreasing, decreasing significantly. The reason is that it's a loan. It can't be loaned out. Although it's worth 580,000 yuan, it can't be loaned out because no one is going to borrow money. Because no one thinks that now that it has borrowed money, it can go to do business and successfully earn money before repaying the loan. If it doesn't repay the loan, when it doesn't borrow money, when the bank doesn't lend money, the bank can't earn interest. Then the profit of the bank will decrease. So the amount of savings of this money is very high. The profit of the bank is decreasing. This is completely two different things. I saw someone say that the current situation is that you just said that the profit of the bank is decreasing. What action do you think the CCP will take to change this phenomenon? The CCP has already taken some measures to prevent this phenomenon. For example, we see that it's lowering interest rates, lowering interest rates, and asking these major banks to lower loan conditions, to encourage people to buy a house, rent a house, borrow money to buy a house. I remember it was reported before, it was even absurd to say that the CCP is encouraging college students to borrow money to buy a house. That's absurd. Many college students rely on their parents' money to help or rely on scholarships to study at a university. How can you let them carry a debt to buy a house? The CCP has reached the point where it can't be stopped. The CCP has already taken some actions. What actions will it take in the future? As I said earlier, the profit of the bank, the source of income of the bank is interest. The difference in interest is that it has now received 5.8 billion in savings. You have to give these customers savings, you have to give them interest. This interest is as low as possible. But the bank wants to use this money as a loan to borrow money from people, to borrow money from companies, to borrow money from people who buy houses, to borrow money from people who buy cars, or to borrow money from people who use credit cards. This interest is relatively high. The difference between these two interests is the profit of the bank. If the bank wants its profit to grow, its income to grow, it can only be like this. First of all, the economy is good. The economy needs to recover. If the economy develops, there will be more companies to lend money. Then there will be more companies to borrow money. When the business develops, the economy develops, the bank's loan increases, the bank's income will increase. The problem now is that people are generally not confident in China's economy in the future. China's three cars, all three cars are out of stock. Now the new three cars, the new production capacity, we all know that. The electric car has just been launched. It will soon face sanctions from the United States. So now its new production capacity cannot develop. The economy cannot develop. That is to say, business activities cannot increase, loans cannot increase, and the bank's profit and income will not be able to increase. In addition, in China, the negative growth of this kind of profit What does this have to do with the corruption of the Chinese bank? Corruption is definitely there. It has always been there. When the bank's profit is declining, the bank is about to go bankrupt. There will still be corruption. When making money, corruption may not be so easy to find. Or he doesn't care if he finds it. When the profit starts to decline, or he loses money, when the bank is in danger, they will deduct every penny. At this time, the behavior of corruption may be refined and may be easy to find. They have so many connections. In addition, I just reported that the gold reserves of the Central Bank of China have increased significantly. Do you think that this kind of gold reserve has anything to do with the bank's profit? This has nothing to do with it. First of all, the profit of the bank is what I just mentioned, the four major professional banks, their business operations. They have to make money through loans. They may also make money through some investment banks. As for gold reserves, in fact, in China, in the past ten years, they have been desperately purchasing gold to increase China's gold reserves. Now China has increased its gold reserves This is just a report. China's current total gold seems to be 24 million tons. 24 million tons of gold. This figure is ranked among the top three or top five The United States probably has 8,000 to 9,000 tons of gold. Why does China increase its gold reserves? I think there are several reasons. First of all, it knows that it has spent a lot of money on banknotes, banknotes need gold to guarantee. It is also worried that the RMB will collapse. The CCP is also worried that China's banking system may be replaced by the global financial system Because China's economy relies a lot on foreign exchange, China's economy relies on import-export trade. Countries that rely on trade must participate in the global financial alliance system, that is, the SWIFT. Only in this way can the U.S., European Union, and even the RMB circulate. However, we see that the U.S. sanctions against Russia include removing Russia from the SWIFT. Therefore, it is very difficult for the Russians to operate and use foreign exchange. It is impossible. If China continues to support Russia, it is possible that it will attack Taiwan and the South China Sea. The U.S. is now threatening the CCP to kick China out of the SWIFT. If it is kicked out, China will not be able to access these foreign exchange systems. Then it may only use gold to trade with other countries to buy things that need to be purchased. This is the reason why China has increased gold reserves. Basically, the CCP is increasing gold to protect its RMB, to reduce the risk of being kicked out of the SWIFT, to prepare for the possibility of being further isolated by the international community. In addition, I see netizens asking the following question. Is it safe for people when the bank's overall profits are declining? If you look at it from the surface, the Chinese people's savings are similar to the US FDIC. The FDIC is the Federal Savings Insurance Company. It can guarantee that every American can get insurance even if the bank goes bankrupt. Your money is safe. The CCP has also adopted a similar thing. There is also a FDIC insurance. On the surface, the savings are safe. So the Chinese people don't have to worry about this. But there is one thing to worry about. We have seen a lot of such examples. In addition to the bank's money, the bank's director, manager, employee, and partner have turned it into a financial product. This financial product has now gone bankrupt. The Chinese people suddenly realized that their savings were gone. They were quietly turned into financial products without their knowledge. So the Chinese people should not trust these state-owned banks. They should not trust the employees of these banks. They should take a good look at whether their money is still there. Don't let them misuse it. I think the Chinese people should know that the CCP regime will soon collapse. It won't last long. If the CCP regime collapses, its currency will also collapse. So even if your savings have not been misused, and have not become financial products, as long as you put it in the CCP's bank, and buy it on the day of the CCP, you will find that your savings are all gone. So what is the best way? As I mentioned earlier, buy gold. It is said that there are a lot of fake gold in China. Yes. So you have to buy real gold. I think if you really want to buy gold, there are many ways. There are many ways to identify the real gold. Whether it is gold coins or gold bars, if you really want to buy it, you can cut it off. If you cut it in half, you can see it. There are other ways to check. You can still find some evidence.