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君线
2021-06-27
这篇文章不错，转发给大家看
@君线:
$Heat Biologics, Inc.(HTBX)$
ok
君线
2020-08-07
1[贱笑]
@锐问:打遍硅谷无敌手的TikTok，美国打压下何去何从？
君线
2020-05-22
$瑞幸咖啡(LK)$
垃圾，
君线
2020-04-07
可能性比较大
君线
2020-04-04
$景顺抵押资本(IVR)$
持有
君线
2020-03-31
👍👍👍
美股本轮暴跌，对美国普通人有多大影响？
君线
2020-03-23
$Heat Biologics, Inc.(HTBX)$
ok
君线
2020-03-23
$Heat Biologics, Inc.(HTBX)$
ok
君线
2020-03-23
$格尔夫波特能源(GPOR)$
xxxx
君线
2020-03-23
$苹果(AAPL)$
好
君线
2020-03-22
耐心等待牛市
去老虎APP查看更多动态
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","text":"1[贱笑]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/944195443","repostId":"945844991","repostType":1,"repost":{"id":945844991,"gmtCreate":1596535375813,"gmtModify":1704212561110,"author":{"id":"3520134464145345","authorId":"3520134464145345","name":"锐问","avatar":"https://static.tigerbbs.com/af67035e05acd3d551a6474ea3df0455","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3520134464145345","authorIdStr":"3520134464145345"},"themes":[],"title":"打遍硅谷无敌手的TikTok，美国打压下何去何从？","htmlText":"作者｜林波编辑｜周欣“在大多数美国投资者眼里，其实字节早已取代百度成为BAT中的新的B了”，某美国本土投资人在接受《锐问》时认为，字节是第一家实打实做到全球化（尤其在发达国家市场）的中国互联网企业。在张一鸣的《全员信》中，他如此写道，“TikTok已经成为了全球文化的一部分，它是用户的窗户，画布和桥梁。”绝对领域的第一从商业上来说，《锐问》采访的多位美国投资人都认为，TikTok是相当成功的中国产品。扎克伯格对TikTok或明或暗的针对，也已经让人感觉到他的“害怕”。“Facebook<a target=\"_blank\" href=\"https://laohu8.com/S/FB\">$Facebook(FB)$</a> 在许多方面落后于谷歌、亚马逊和苹果等竞争对手。美国最受欢迎的消息服务是iMessage。增长速度最快的应用是TikTok。最受用户欢迎的视频应用是YouTube。增长速度最快的广告平台是亚马逊。规模最大的广告平台是谷歌。”在7月29日，美国科技四巨头反垄断听证会上，扎克伯格“委屈”说道。在听证会上，扎克伯格是唯一一个称“中国公司窃取技术证据确凿”的美国互联网高管。事实上，比TikTok更早时间的2013年，Facebook就推出了短视频应用Instagram Video。这款产品主要是应对Twitter旗下短视频产品Vine，后者被视为短视频的开山鼻祖。但这两款产品均没有成功。反而被来自中国上海的一个团队推出的音乐短视频musical.ly赶超。2017年底，字节跳动推出的抖音海外版TikTok以10亿美元收购musical.ly，此后，TikTok迅速扩张。玩法创意方面，海外产品的吸引力普遍不及TikTok。从技术方面来说，硅谷巨头可能也比不上TikTok。头条本身积累的个性推荐算法，是TikTok能够远远领先的关键。“依托于头条在全球最大人口","listText":"作者｜林波编辑｜周欣“在大多数美国投资者眼里，其实字节早已取代百度成为BAT中的新的B了”，某美国本土投资人在接受《锐问》时认为，字节是第一家实打实做到全球化（尤其在发达国家市场）的中国互联网企业。在张一鸣的《全员信》中，他如此写道，“TikTok已经成为了全球文化的一部分，它是用户的窗户，画布和桥梁。”绝对领域的第一从商业上来说，《锐问》采访的多位美国投资人都认为，TikTok是相当成功的中国产品。扎克伯格对TikTok或明或暗的针对，也已经让人感觉到他的“害怕”。“Facebook<a target=\"_blank\" href=\"https://laohu8.com/S/FB\">$Facebook(FB)$</a> 在许多方面落后于谷歌、亚马逊和苹果等竞争对手。美国最受欢迎的消息服务是iMessage。增长速度最快的应用是TikTok。最受用户欢迎的视频应用是YouTube。增长速度最快的广告平台是亚马逊。规模最大的广告平台是谷歌。”在7月29日，美国科技四巨头反垄断听证会上，扎克伯格“委屈”说道。在听证会上，扎克伯格是唯一一个称“中国公司窃取技术证据确凿”的美国互联网高管。事实上，比TikTok更早时间的2013年，Facebook就推出了短视频应用Instagram Video。这款产品主要是应对Twitter旗下短视频产品Vine，后者被视为短视频的开山鼻祖。但这两款产品均没有成功。反而被来自中国上海的一个团队推出的音乐短视频musical.ly赶超。2017年底，字节跳动推出的抖音海外版TikTok以10亿美元收购musical.ly，此后，TikTok迅速扩张。玩法创意方面，海外产品的吸引力普遍不及TikTok。从技术方面来说，硅谷巨头可能也比不上TikTok。头条本身积累的个性推荐算法，是TikTok能够远远领先的关键。“依托于头条在全球最大人口","text":"作者｜林波编辑｜周欣“在大多数美国投资者眼里，其实字节早已取代百度成为BAT中的新的B了”，某美国本土投资人在接受《锐问》时认为，字节是第一家实打实做到全球化（尤其在发达国家市场）的中国互联网企业。在张一鸣的《全员信》中，他如此写道，“TikTok已经成为了全球文化的一部分，它是用户的窗户，画布和桥梁。”绝对领域的第一从商业上来说，《锐问》采访的多位美国投资人都认为，TikTok是相当成功的中国产品。扎克伯格对TikTok或明或暗的针对，也已经让人感觉到他的“害怕”。“Facebook$Facebook(FB)$ 在许多方面落后于谷歌、亚马逊和苹果等竞争对手。美国最受欢迎的消息服务是iMessage。增长速度最快的应用是TikTok。最受用户欢迎的视频应用是YouTube。增长速度最快的广告平台是亚马逊。规模最大的广告平台是谷歌。”在7月29日，美国科技四巨头反垄断听证会上，扎克伯格“委屈”说道。在听证会上，扎克伯格是唯一一个称“中国公司窃取技术证据确凿”的美国互联网高管。事实上，比TikTok更早时间的2013年，Facebook就推出了短视频应用Instagram Video。这款产品主要是应对Twitter旗下短视频产品Vine，后者被视为短视频的开山鼻祖。但这两款产品均没有成功。反而被来自中国上海的一个团队推出的音乐短视频musical.ly赶超。2017年底，字节跳动推出的抖音海外版TikTok以10亿美元收购musical.ly，此后，TikTok迅速扩张。玩法创意方面，海外产品的吸引力普遍不及TikTok。从技术方面来说，硅谷巨头可能也比不上TikTok。头条本身积累的个性推荐算法，是TikTok能够远远领先的关键。“依托于头条在全球最大人口","images":[{"img":"https://static.tigerbbs.com/1690c63e6ff204d9203c830d96351910","width":"0","height":"0"},{"img":"https://static.tigerbbs.com/25094c1e9a63df37bface369960c1a3a","width":"0","height":"0"},{"img":"https://static.tigerbbs.com/e382df6705059f252a584309e1c893d5","width":"0","height":"0"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/945844991","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":6,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":2387,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":953377045,"gmtCreate":1590149144787,"gmtModify":1704192011053,"author":{"id":"3547198378167328","authorId":"3547198378167328","name":"君线","avatar":"https://static.tigerbbs.com/5bafaf1146c4ecbd802b6530dc367656","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3547198378167328","authorIdStr":"3547198378167328"},"themes":[],"htmlText":"<a 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href=\"https://laohu8.com/S/IVR\">$景顺抵押资本(IVR)$</a>持有","listText":"<a href=\"https://laohu8.com/S/IVR\">$景顺抵押资本(IVR)$</a>持有","text":"$景顺抵押资本(IVR)$持有","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":2,"repostSize":0,"link":"https://laohu8.com/post/921046494","isVote":1,"tweetType":1,"viewCount":3711,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":923907361,"gmtCreate":1585668985653,"gmtModify":1704358634477,"author":{"id":"3547198378167328","authorId":"3547198378167328","name":"君线","avatar":"https://static.tigerbbs.com/5bafaf1146c4ecbd802b6530dc367656","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3547198378167328","authorIdStr":"3547198378167328"},"themes":[],"htmlText":"👍👍👍","listText":"👍👍👍","text":"👍👍👍","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/923907361","repostId":"1125106172","repostType":4,"repost":{"id":"1125106172","kind":"news","pubTimestamp":1585661998,"share":"https://www.laohu8.com/m/news/1125106172?lang=&edition=full","pubTime":"2020-03-31 21:39","market":"us","language":"zh","title":"美股本轮暴跌，对美国普通人有多大影响？","url":"https://stock-news.laohu8.com/highlight/detail?id=1125106172","media":"财报易","summary":"美国股市大跌，对持有金融资产比例极高的富人冲击较大，但是他们负债率很低，完全可以抵抗冲击。","content":"<p><b>我们把财富占有量排名前1%（top 1%）的称为「富人」，把排名后50%（1st to 50th）的称为「穷人」。</b>按照这个标准，我们可以看到，在资产端，截至2019年10月这1%的富人持有了超过36万亿美元的资产，占比超过30%。而50%的穷人，则仅仅拥有不到8万亿美元，占比约6%。而且可以看出，随时间这种差距日益扩大。</p>\n<p><img src=\"https://static.tigerbbs.com/9bb954868b8cbe80bbd6e619e6c1868f\"></p>\n<p>图1：美国富人vs穷人资产规模与占比</p>\n<p>美国家庭资产主要由金融资产和实物资产构成，非金融资产占比超过70%。1%富人金融资产总额约，32万亿，占比35%，而50%的「穷人」则仅仅有2万亿左右的金融资产，占比2%左右。贫富差距极大，而且这个差距似乎还将继续扩大。而在房地产实物资产上，富人和穷人的差距似乎没那么大，两者总额大约都在4万亿美元，占比也基本相当。<b>看来区别穷人和富人的不在于房子而是金融资产，国内有房子的土豪们可能要借鉴下。从这一点也可看出我大A股的未来是多么美好。</b></p>\n<p><img src=\"https://static.tigerbbs.com/b946dea6d984dce24b26518823fd6f03\"></p>\n<p>图2：美国富人vs穷人金融资产规模与占比</p>\n<p><img src=\"https://static.tigerbbs.com/d07b7635807964433db41bc781b93b92\"></p>\n<p>图3：美国富人vs穷人房地产产规模与占比</p>\n<p>如此看来股市大跌对穷人的资产影响较小，对富人的财富影响更多。如果这些资产还是借钱买来的就更可怕了，所以我们要看看负债结构。</p>\n<p>之前说过，总体看美国人民负债率不高（资产负债率12.25%）。没分析数据前，我一直认为发达国家富人的富裕是建立在借钱上的，但是截至2019年10月份，数据显示，1%的美国富人不过借了8千亿美元，占所有负债的4.8%，而50%的穷人才是借钱大户，借了5万多亿，占了37%。这个数字基本等于穷人持有的房地产价值4万亿水平。</p>\n<p>美国富人看来是真富，和我们国家很多长袖善舞、靠拆东墙补西墙的「负翁」比还是强大的很。如此看来，股市大跌虽然对他们的金融资产会带来缩水，但远远不用担心。</p>\n<p><img src=\"https://static.tigerbbs.com/3c5bae494dfd7a42e5e35f173a541a30\"></p>\n<p>图4：美国富人vs穷人负债规模与占比</p>\n<p><br><b>综上述，美国股市大跌，对持有金融资产比例极高的富人冲击较大，但是他们负债率很低，完全可以抵抗冲击。从历史趋势来看，就像巴菲特一样，这次大跌还给他们提供了抄底优质资产的机会，短熊长牛的美国股市给他们大比例持有的金融资产增值奠定了坚实的基础。</b></p>\n<p>而对于大部分穷人而言，因为持有金融资产比例不高，股市大跌对资产端的影响也不大。当然，如果股市大跌之后伴随经济萧条，带来大面积失业，无法支付高负债的利息，则可能对他们生活带来负面冲击，比如2008年金融危机时期的房屋大面积止赎。</p>\n<p>最后说一点，从美国经验可以看出，由于少持有金融资产，贫富差距越来越大，正所谓你不理财，财不理你。可是，一旦持有金融资产，承受的风险巨大，如果流动性控制不好，反而损失更大，所以有人说你若理财，财就离你。对于普通人，真是面临两难！这不仅是美国人民也是中国人民所面临的困境。</p>","source":"lsy1585661912099","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>美股本轮暴跌，对美国普通人有多大影响？</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n美股本轮暴跌，对美国普通人有多大影响？\n</h2>\n\n<h4 class=\"meta\">\n\n\n2020-03-31 21:39 北京时间 <a href=https://mp.weixin.qq.com/s/jWDHx4qhpu1hoVLVFWi4YA><strong>财报易</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>我们把财富占有量排名前1%（top 1%）的称为「富人」，把排名后50%（1st to 50th）的称为「穷人」。按照这个标准，我们可以看到，在资产端，截至2019年10月这1%的富人持有了超过36万亿美元的资产，占比超过30%。而50%的穷人，则仅仅拥有不到8万亿美元，占比约6%。而且可以看出，随时间这种差距日益扩大。\n\n图1：美国富人vs穷人资产规模与占比\n美国家庭资产主要由金融资产和实物资产...</p>\n\n<a href=\"https://mp.weixin.qq.com/s/jWDHx4qhpu1hoVLVFWi4YA\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/96819b78df36696eeccbf03ebd7c466d","relate_stocks":{".DJI":"道琼斯"},"source_url":"https://mp.weixin.qq.com/s/jWDHx4qhpu1hoVLVFWi4YA","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1125106172","content_text":"我们把财富占有量排名前1%（top 1%）的称为「富人」，把排名后50%（1st to 50th）的称为「穷人」。按照这个标准，我们可以看到，在资产端，截至2019年10月这1%的富人持有了超过36万亿美元的资产，占比超过30%。而50%的穷人，则仅仅拥有不到8万亿美元，占比约6%。而且可以看出，随时间这种差距日益扩大。\n\n图1：美国富人vs穷人资产规模与占比\n美国家庭资产主要由金融资产和实物资产构成，非金融资产占比超过70%。1%富人金融资产总额约，32万亿，占比35%，而50%的「穷人」则仅仅有2万亿左右的金融资产，占比2%左右。贫富差距极大，而且这个差距似乎还将继续扩大。而在房地产实物资产上，富人和穷人的差距似乎没那么大，两者总额大约都在4万亿美元，占比也基本相当。看来区别穷人和富人的不在于房子而是金融资产，国内有房子的土豪们可能要借鉴下。从这一点也可看出我大A股的未来是多么美好。\n\n图2：美国富人vs穷人金融资产规模与占比\n\n图3：美国富人vs穷人房地产产规模与占比\n如此看来股市大跌对穷人的资产影响较小，对富人的财富影响更多。如果这些资产还是借钱买来的就更可怕了，所以我们要看看负债结构。\n之前说过，总体看美国人民负债率不高（资产负债率12.25%）。没分析数据前，我一直认为发达国家富人的富裕是建立在借钱上的，但是截至2019年10月份，数据显示，1%的美国富人不过借了8千亿美元，占所有负债的4.8%，而50%的穷人才是借钱大户，借了5万多亿，占了37%。这个数字基本等于穷人持有的房地产价值4万亿水平。\n美国富人看来是真富，和我们国家很多长袖善舞、靠拆东墙补西墙的「负翁」比还是强大的很。如此看来，股市大跌虽然对他们的金融资产会带来缩水，但远远不用担心。\n\n图4：美国富人vs穷人负债规模与占比\n综上述，美国股市大跌，对持有金融资产比例极高的富人冲击较大，但是他们负债率很低，完全可以抵抗冲击。从历史趋势来看，就像巴菲特一样，这次大跌还给他们提供了抄底优质资产的机会，短熊长牛的美国股市给他们大比例持有的金融资产增值奠定了坚实的基础。\n而对于大部分穷人而言，因为持有金融资产比例不高，股市大跌对资产端的影响也不大。当然，如果股市大跌之后伴随经济萧条，带来大面积失业，无法支付高负债的利息，则可能对他们生活带来负面冲击，比如2008年金融危机时期的房屋大面积止赎。\n最后说一点，从美国经验可以看出，由于少持有金融资产，贫富差距越来越大，正所谓你不理财，财不理你。可是，一旦持有金融资产，承受的风险巨大，如果流动性控制不好，反而损失更大，所以有人说你若理财，财就离你。对于普通人，真是面临两难！这不仅是美国人民也是中国人民所面临的困境。","news_type":1,"symbols_score_info":{".DJI":0.9}},"isVote":1,"tweetType":1,"viewCount":922,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":920147043,"gmtCreate":1584967170782,"gmtModify":1704356314663,"author":{"id":"3547198378167328","authorId":"3547198378167328","name":"君线","avatar":"https://static.tigerbbs.com/5bafaf1146c4ecbd802b6530dc367656","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3547198378167328","authorIdStr":"3547198378167328"},"themes":[],"htmlText":"<a 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21:39","market":"us","language":"zh","title":"美股本轮暴跌，对美国普通人有多大影响？","url":"https://stock-news.laohu8.com/highlight/detail?id=1125106172","media":"财报易","summary":"美国股市大跌，对持有金融资产比例极高的富人冲击较大，但是他们负债率很低，完全可以抵抗冲击。","content":"<p><b>我们把财富占有量排名前1%（top 1%）的称为「富人」，把排名后50%（1st to 50th）的称为「穷人」。</b>按照这个标准，我们可以看到，在资产端，截至2019年10月这1%的富人持有了超过36万亿美元的资产，占比超过30%。而50%的穷人，则仅仅拥有不到8万亿美元，占比约6%。而且可以看出，随时间这种差距日益扩大。</p>\n<p><img src=\"https://static.tigerbbs.com/9bb954868b8cbe80bbd6e619e6c1868f\"></p>\n<p>图1：美国富人vs穷人资产规模与占比</p>\n<p>美国家庭资产主要由金融资产和实物资产构成，非金融资产占比超过70%。1%富人金融资产总额约，32万亿，占比35%，而50%的「穷人」则仅仅有2万亿左右的金融资产，占比2%左右。贫富差距极大，而且这个差距似乎还将继续扩大。而在房地产实物资产上，富人和穷人的差距似乎没那么大，两者总额大约都在4万亿美元，占比也基本相当。<b>看来区别穷人和富人的不在于房子而是金融资产，国内有房子的土豪们可能要借鉴下。从这一点也可看出我大A股的未来是多么美好。</b></p>\n<p><img src=\"https://static.tigerbbs.com/b946dea6d984dce24b26518823fd6f03\"></p>\n<p>图2：美国富人vs穷人金融资产规模与占比</p>\n<p><img src=\"https://static.tigerbbs.com/d07b7635807964433db41bc781b93b92\"></p>\n<p>图3：美国富人vs穷人房地产产规模与占比</p>\n<p>如此看来股市大跌对穷人的资产影响较小，对富人的财富影响更多。如果这些资产还是借钱买来的就更可怕了，所以我们要看看负债结构。</p>\n<p>之前说过，总体看美国人民负债率不高（资产负债率12.25%）。没分析数据前，我一直认为发达国家富人的富裕是建立在借钱上的，但是截至2019年10月份，数据显示，1%的美国富人不过借了8千亿美元，占所有负债的4.8%，而50%的穷人才是借钱大户，借了5万多亿，占了37%。这个数字基本等于穷人持有的房地产价值4万亿水平。</p>\n<p>美国富人看来是真富，和我们国家很多长袖善舞、靠拆东墙补西墙的「负翁」比还是强大的很。如此看来，股市大跌虽然对他们的金融资产会带来缩水，但远远不用担心。</p>\n<p><img src=\"https://static.tigerbbs.com/3c5bae494dfd7a42e5e35f173a541a30\"></p>\n<p>图4：美国富人vs穷人负债规模与占比</p>\n<p><br><b>综上述，美国股市大跌，对持有金融资产比例极高的富人冲击较大，但是他们负债率很低，完全可以抵抗冲击。从历史趋势来看，就像巴菲特一样，这次大跌还给他们提供了抄底优质资产的机会，短熊长牛的美国股市给他们大比例持有的金融资产增值奠定了坚实的基础。</b></p>\n<p>而对于大部分穷人而言，因为持有金融资产比例不高，股市大跌对资产端的影响也不大。当然，如果股市大跌之后伴随经济萧条，带来大面积失业，无法支付高负债的利息，则可能对他们生活带来负面冲击，比如2008年金融危机时期的房屋大面积止赎。</p>\n<p>最后说一点，从美国经验可以看出，由于少持有金融资产，贫富差距越来越大，正所谓你不理财，财不理你。可是，一旦持有金融资产，承受的风险巨大，如果流动性控制不好，反而损失更大，所以有人说你若理财，财就离你。对于普通人，真是面临两难！这不仅是美国人民也是中国人民所面临的困境。</p>","source":"lsy1585661912099","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>美股本轮暴跌，对美国普通人有多大影响？</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; 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}\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n美股本轮暴跌，对美国普通人有多大影响？\n</h2>\n\n<h4 class=\"meta\">\n\n\n2020-03-31 21:39 北京时间 <a href=https://mp.weixin.qq.com/s/jWDHx4qhpu1hoVLVFWi4YA><strong>财报易</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>我们把财富占有量排名前1%（top 1%）的称为「富人」，把排名后50%（1st to 50th）的称为「穷人」。按照这个标准，我们可以看到，在资产端，截至2019年10月这1%的富人持有了超过36万亿美元的资产，占比超过30%。而50%的穷人，则仅仅拥有不到8万亿美元，占比约6%。而且可以看出，随时间这种差距日益扩大。\n\n图1：美国富人vs穷人资产规模与占比\n美国家庭资产主要由金融资产和实物资产...</p>\n\n<a href=\"https://mp.weixin.qq.com/s/jWDHx4qhpu1hoVLVFWi4YA\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/96819b78df36696eeccbf03ebd7c466d","relate_stocks":{".DJI":"道琼斯"},"source_url":"https://mp.weixin.qq.com/s/jWDHx4qhpu1hoVLVFWi4YA","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1125106172","content_text":"我们把财富占有量排名前1%（top 1%）的称为「富人」，把排名后50%（1st to 50th）的称为「穷人」。按照这个标准，我们可以看到，在资产端，截至2019年10月这1%的富人持有了超过36万亿美元的资产，占比超过30%。而50%的穷人，则仅仅拥有不到8万亿美元，占比约6%。而且可以看出，随时间这种差距日益扩大。\n\n图1：美国富人vs穷人资产规模与占比\n美国家庭资产主要由金融资产和实物资产构成，非金融资产占比超过70%。1%富人金融资产总额约，32万亿，占比35%，而50%的「穷人」则仅仅有2万亿左右的金融资产，占比2%左右。贫富差距极大，而且这个差距似乎还将继续扩大。而在房地产实物资产上，富人和穷人的差距似乎没那么大，两者总额大约都在4万亿美元，占比也基本相当。看来区别穷人和富人的不在于房子而是金融资产，国内有房子的土豪们可能要借鉴下。从这一点也可看出我大A股的未来是多么美好。\n\n图2：美国富人vs穷人金融资产规模与占比\n\n图3：美国富人vs穷人房地产产规模与占比\n如此看来股市大跌对穷人的资产影响较小，对富人的财富影响更多。如果这些资产还是借钱买来的就更可怕了，所以我们要看看负债结构。\n之前说过，总体看美国人民负债率不高（资产负债率12.25%）。没分析数据前，我一直认为发达国家富人的富裕是建立在借钱上的，但是截至2019年10月份，数据显示，1%的美国富人不过借了8千亿美元，占所有负债的4.8%，而50%的穷人才是借钱大户，借了5万多亿，占了37%。这个数字基本等于穷人持有的房地产价值4万亿水平。\n美国富人看来是真富，和我们国家很多长袖善舞、靠拆东墙补西墙的「负翁」比还是强大的很。如此看来，股市大跌虽然对他们的金融资产会带来缩水，但远远不用担心。\n\n图4：美国富人vs穷人负债规模与占比\n综上述，美国股市大跌，对持有金融资产比例极高的富人冲击较大，但是他们负债率很低，完全可以抵抗冲击。从历史趋势来看，就像巴菲特一样，这次大跌还给他们提供了抄底优质资产的机会，短熊长牛的美国股市给他们大比例持有的金融资产增值奠定了坚实的基础。\n而对于大部分穷人而言，因为持有金融资产比例不高，股市大跌对资产端的影响也不大。当然，如果股市大跌之后伴随经济萧条，带来大面积失业，无法支付高负债的利息，则可能对他们生活带来负面冲击，比如2008年金融危机时期的房屋大面积止赎。\n最后说一点，从美国经验可以看出，由于少持有金融资产，贫富差距越来越大，正所谓你不理财，财不理你。可是，一旦持有金融资产，承受的风险巨大，如果流动性控制不好，反而损失更大，所以有人说你若理财，财就离你。对于普通人，真是面临两难！这不仅是美国人民也是中国人民所面临的困境。","news_type":1,"symbols_score_info":{".DJI":0.9}},"isVote":1,"tweetType":1,"viewCount":922,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":920144888,"gmtCreate":1584967094444,"gmtModify":1704356313289,"author":{"id":"3547198378167328","authorId":"3547198378167328","name":"君线","avatar":"https://static.tigerbbs.com/5bafaf1146c4ecbd802b6530dc367656","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3547198378167328","idStr":"3547198378167328"},"themes":[],"htmlText":"<a 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