璐儿妈的个人主页 - 老虎社区

璐儿妈

璐儿妈

暂无个人介绍

IP属地：海外

143关注

4粉丝

8主题

0勋章

2020-07-30

甘老师：豆油能看到哪

@Ivan_甘灿荣:紧绷的弹簧--美豆粕

02-19

$老虎证券(TIGR)$ 百度财报？还值得拥有吗

01-30

愿蛇年的我们，财运如蛇行千里，稳健而持久

01-29

$微型NQ100指数2503(MNQ2503)$

01-21

$微黄金主连 2502(MGCmain)$

2024-12-31

$Faraday Future(FFIE)$

2024-10-30

$微黄金主连 2412(MGCmain)$

2024-07-15

$微型WTI原油2408(MCL2408)$

2024-06-26

$微黄金主连 2408(MGCmain)$

2023-01-13

．。你是你你你／．．…．

近三年损失30亿美元！高盛新成立的消费金融部门亏损惊人

2021-02-10

老虎证券

抱歉，原内容已删除

去老虎APP查看更多动态

{"i18n":{"language":"zh_CN"},"userPageInfo":{"id":"3552996064284295","uuid":"3552996064284295","gmtCreate":1589902389974,"gmtModify":1612967476821,"name":"璐儿妈","pinyin":"lemluerma","introduction":"","introductionEn":"","signature":"","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","hat":null,"hatId":null,"hatName":null,"vip":1,"status":2,"fanSize":4,"headSize":143,"tweetSize":11,"questionSize":0,"limitLevel":999,"accountStatus":4,"level":{"id":1,"name":"萌萌虎","nameTw":"萌萌虎","represent":"呱呱坠地","factor":"评论帖子3次或发布1条主帖（非转发）","iconColor":"3C9E83","bgColor":"A2F1D9"},"themeCounts":8,"badgeCounts":0,"badges":[],"moderator":false,"superModerator":false,"manageSymbols":null,"badgeLevel":null,"boolIsFan":false,"boolIsHead":false,"favoriteSize":0,"symbols":null,"coverImage":null,"realNameVerified":null,"userBadges":[{"badgeId":"976c19eed35f4cd78f17501c2e99ef37-1","templateUuid":"976c19eed35f4cd78f17501c2e99ef37","name":"博闻投资者","description":"累计交易超过10只正股","bigImgUrl":"https://static.tigerbbs.com/e74cc24115c4fbae6154ec1b1041bf47","smallImgUrl":"https://static.tigerbbs.com/d48265cbfd97c57f9048db29f22227b0","grayImgUrl":"https://static.tigerbbs.com/76c6d6898b073c77e1c537ebe9ac1c57","redirectLinkEnabled":0,"redirectLink":null,"hasAllocated":1,"isWearing":0,"stamp":null,"stampPosition":0,"hasStamp":0,"allocationCount":1,"allocatedDate":"2025.09.03","exceedPercentage":null,"individualDisplayEnabled":0,"backgroundColor":null,"fontColor":null,"individualDisplaySort":0,"categoryType":1102},{"badgeId":"e50ce593bb40487ebfb542ca54f6a561-3","templateUuid":"e50ce593bb40487ebfb542ca54f6a561","name":"偶像虎友","description":"加入老虎社区1500天","bigImgUrl":"https://static.tigerbbs.com/8b40ae7da5bf081a1c84df14bf9e6367","smallImgUrl":"https://static.tigerbbs.com/f160eceddd7c284a8e1136557615cfad","grayImgUrl":"https://static.tigerbbs.com/11792805c468334a9b31c39f95a41c6a","redirectLinkEnabled":0,"redirectLink":null,"hasAllocated":1,"isWearing":0,"stamp":null,"stampPosition":0,"hasStamp":0,"allocationCount":1,"allocatedDate":"2024.06.28","exceedPercentage":null,"individualDisplayEnabled":0,"backgroundColor":null,"fontColor":null,"individualDisplaySort":0,"categoryType":1001},{"badgeId":"02aa7f16703b4ce4ace6f1a7665789cc-1","templateUuid":"02aa7f16703b4ce4ace6f1a7665789cc","name":"知识体验官","description":"观看学堂课程满5节","bigImgUrl":"https://static.tigerbbs.com/fb5ae275631fb96a92d475cdc85d2302","smallImgUrl":"https://static.tigerbbs.com/c2660a1935bd2105e97c9915619936c3","grayImgUrl":null,"redirectLinkEnabled":0,"redirectLink":null,"hasAllocated":1,"isWearing":0,"stamp":null,"stampPosition":0,"hasStamp":0,"allocationCount":1,"allocatedDate":"2024.05.09","exceedPercentage":null,"individualDisplayEnabled":0,"backgroundColor":null,"fontColor":null,"individualDisplaySort":0,"categoryType":2006},{"badgeId":"228c86a078844d74991fff2b7ab2428d-3","templateUuid":"228c86a078844d74991fff2b7ab2428d","name":"投资合伙人虎","description":"证券账户累计交易金额达到100万美元","bigImgUrl":"https://static.tigerbbs.com/fbeac6bb240db7da8b972e5183d050ba","smallImgUrl":"https://static.tigerbbs.com/436cdf80292b99f0a992e78750ac4e3a","grayImgUrl":"https://static.tigerbbs.com/506a259a7b456f037592c3b23c779599","redirectLinkEnabled":0,"redirectLink":null,"hasAllocated":1,"isWearing":0,"stamp":null,"stampPosition":0,"hasStamp":0,"allocationCount":1,"allocatedDate":"2021.12.28","exceedPercentage":"93.99%","individualDisplayEnabled":0,"backgroundColor":null,"fontColor":null,"individualDisplaySort":0,"categoryType":1101},{"badgeId":"518b5610c3e8410da5cfad115e4b0f5a-1","templateUuid":"518b5610c3e8410da5cfad115e4b0f5a","name":"实盘交易者","description":"完成一笔实盘交易","bigImgUrl":"https://static.tigerbbs.com/2e08a1cc2087a1de93402c2c290fa65b","smallImgUrl":"https://static.tigerbbs.com/4504a6397ce1137932d56e5f4ce27166","grayImgUrl":"https://static.tigerbbs.com/4b22c79415b4cd6e3d8ebc4a0fa32604","redirectLinkEnabled":0,"redirectLink":null,"hasAllocated":1,"isWearing":0,"stamp":null,"stampPosition":0,"hasStamp":0,"allocationCount":1,"allocatedDate":"2021.12.21","exceedPercentage":null,"individualDisplayEnabled":0,"backgroundColor":null,"fontColor":null,"individualDisplaySort":0,"categoryType":1100},{"badgeId":"35ec162348d5460f88c959321e554969-3","templateUuid":"35ec162348d5460f88c959321e554969","name":"传说交易员","description":"证券或期货账户累计交易次数达到300次","bigImgUrl":"https://static.tigerbbs.com/656db16598a0b8f21429e10d6c1cb033","smallImgUrl":"https://static.tigerbbs.com/03f10910d4dd9234f9b5702a3342193a","grayImgUrl":"https://static.tigerbbs.com/0c767e35268feb729d50d3fa9a386c5a","redirectLinkEnabled":0,"redirectLink":null,"hasAllocated":1,"isWearing":0,"stamp":null,"stampPosition":0,"hasStamp":0,"allocationCount":1,"allocatedDate":"2021.12.21","exceedPercentage":"93.11%","individualDisplayEnabled":0,"backgroundColor":null,"fontColor":null,"individualDisplaySort":0,"categoryType":1100}],"userBadgeCount":6,"currentWearingBadge":null,"individualDisplayBadges":null,"crmLevel":3,"crmLevelSwitch":0,"location":"海外","starInvestorFollowerNum":0,"starInvestorFlag":false,"starInvestorOrderShareNum":0,"subscribeStarInvestorNum":44,"ror":null,"winRationPercentage":null,"showRor":false,"investmentPhilosophy":null,"starInvestorSubscribeFlag":false},"baikeInfo":{},"tab":"hot","tweets":[{"id":404988681925216,"gmtCreate":1739898586305,"gmtModify":1739898588046,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/TIGR\">$老虎证券(TIGR)$</a> 百度财报？还值得拥有吗","listText":"<a href=\"https://laohu8.com/S/TIGR\">$老虎证券(TIGR)$</a> 百度财报？还值得拥有吗","text":"$老虎证券(TIGR)$ 百度财报？还值得拥有吗","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/404988681925216","isVote":1,"tweetType":1,"viewCount":1701,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":397957602316808,"gmtCreate":1738179785409,"gmtModify":1738179790720,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"愿蛇年的我们，财运如蛇行千里，稳健而持久","listText":"愿蛇年的我们，财运如蛇行千里，稳健而持久","text":"愿蛇年的我们，财运如蛇行千里，稳健而持久","images":[{"img":"https://static.tigerbbs.com/df28e318aaff9ae068f7ca809c778ed9","width":"1290","height":"2796"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/397957602316808","isVote":1,"tweetType":1,"viewCount":1256,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"CN","totalScore":0},{"id":397587981533616,"gmtCreate":1738089650961,"gmtModify":1738089652223,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/FUT/MNQ2503\">$微型NQ100指数2503(MNQ2503)$</a>&nbsp;","listText":"<a href=\"https://laohu8.com/FUT/MNQ2503\">$微型NQ100指数2503(MNQ2503)$</a>&nbsp;","text":"$微型NQ100指数2503(MNQ2503)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/397587981533616","isVote":1,"tweetType":1,"viewCount":1635,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":395063084327368,"gmtCreate":1737461155406,"gmtModify":1737461156362,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/FUT/MGCmain\">$微黄金主连 2502(MGCmain)$&nbsp;</a>&nbsp;","listText":"<a href=\"https://laohu8.com/FUT/MGCmain\">$微黄金主连 2502(MGCmain)$&nbsp;</a>&nbsp;","text":"$微黄金主连 2502(MGCmain)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/395063084327368","isVote":1,"tweetType":1,"viewCount":1340,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":387258774536416,"gmtCreate":1735576332917,"gmtModify":1735576333930,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/FFIE\">$Faraday Future(FFIE)$&nbsp;</a>&nbsp;","listText":"<a href=\"https://laohu8.com/S/FFIE\">$Faraday Future(FFIE)$&nbsp;</a>&nbsp;","text":"$Faraday Future(FFIE)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/387258774536416","isVote":1,"tweetType":1,"viewCount":1522,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":365613004951568,"gmtCreate":1730261515457,"gmtModify":1730261516649,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/FUT/MGCmain\">$微黄金主连 2412(MGCmain)$&nbsp;</a>&nbsp;","listText":"<a href=\"https://laohu8.com/FUT/MGCmain\">$微黄金主连 2412(MGCmain)$&nbsp;</a>&nbsp;","text":"$微黄金主连 2412(MGCmain)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/365613004951568","isVote":1,"tweetType":1,"viewCount":1613,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":327706889179152,"gmtCreate":1721008310029,"gmtModify":1721008310848,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/FUT/MCL2408\">$微型WTI原油2408(MCL2408)$</a>&nbsp;","listText":"<a href=\"https://laohu8.com/FUT/MCL2408\">$微型WTI原油2408(MCL2408)$</a>&nbsp;","text":"$微型WTI原油2408(MCL2408)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/327706889179152","isVote":1,"tweetType":1,"viewCount":2145,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":320993678872864,"gmtCreate":1719397743333,"gmtModify":1719407855891,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/FUT/MGCmain\">$微黄金主连 2408(MGCmain)$</a>&nbsp;","listText":"<a href=\"https://laohu8.com/FUT/MGCmain\">$微黄金主连 2408(MGCmain)$</a>&nbsp;","text":"$微黄金主连 2408(MGCmain)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/320993678872864","isVote":1,"tweetType":1,"viewCount":1427,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":626916228,"gmtCreate":1673623434164,"gmtModify":1673623575401,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"．。你是 &nbsp; 你 &nbsp; &nbsp;你 你／．．…．","listText":"．。你是 &nbsp; 你 &nbsp; &nbsp;你 你／．．…．","text":"．。你是 你 你 你／．．…．","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/626916228","repostId":"1187472513","repostType":2,"repost":{"id":"1187472513","kind":"news","pubTimestamp":1673621042,"share":"https://www.laohu8.com/m/news/1187472513?lang=&edition=full","pubTime":"2023-01-13 22:44","market":"us","language":"zh","title":"近三年损失30亿美元！高盛新成立的消费金融部门亏损惊人","url":"https://stock-news.laohu8.com/highlight/detail?id=1187472513","media":"华尔街见闻","summary":"在转型消费金融的过程中，高盛付出了惨痛代价。","content":"<html><head></head><body><p>作者：赵颖</p><p>“华尔街之王”玩不转消费贷，在这一业务上亏损越来越大。</p><p>周五，高盛在美国证券交易委员会披露的8-K文件显示，<b>其平台解决方案部门（Fintech和消费金融业务）在2022年1-9月份，税前亏损超过12亿美元，而且每季度亏损都在加速。</b></p><p>文件显示，从2020年初到9月底，平台解决方案部门亏损累计达30亿美元。当下周最新一季度的数据发布后，<b>预计三年累计损失将接近40亿美元。从信贷损失准备金数额的来看，去年损失将达到20亿美元。</b></p><p>这一业务最新源于高盛CEO所罗门的“零售银行梦”，2016年高盛推出消费者银行业务Marcus，向零售消费者提供贷款、储蓄和存单等产品，还通过与苹果公司的合作向消费者提供信用卡Apple Card。</p><p>然而，高盛消费金融业务发展过程十分坎坷，领导层更替、监管调查、亏损大幅攀升。由于持续飙升的成本和建立新业务线困难重重，高盛在去年10月推出史上最大规模重组，分拆消费金融业务。</p><p>高盛把四大业务部门合并为三个，投资银行和交易业务、资产管理和财富管理以及平台解决方案部门（包括零售银行中面向企业客户的业务、Fintech 平台投资业务、专业贷款机构 GreenSky 以及其与苹果公司（Apple Card）、通用汽车的合作业务）。</p><p>其中，投资银行和交易业务可能是唯一盈利的业务。</p><p><b>此外，媒体援引</b><b>知情人士</b><b>指出，平台解决方案部门2021年报告的10亿美元税前亏损主要与Apple Card有关</b>，他们表示2022年约20亿美元亏损是由Apple Card和分期贷款平台GreenSky导致的。</p><p>高盛的整体消费者业务最初曾预计将在去年年底实现收支平衡，知情人士称，平台解决方案部门的高管们现在预测，该部门可能在2025年的某个时候实现这一目标，但最终情况尚未确定。</p><p>与此同时，面对巨额亏损的压力，高盛CEO所罗门正在寻求其他方式来缩减支出，本周高盛拉开史上最大规模裁员的序幕、并考虑将投行部门员工奖金池缩减至少40%后，同时启动了金融危机以来最大规模的降本计划，矛头直指新技术部门、消费部门等各方面指出，评估从购置私人飞机到差旅、会议乃至外部供应商的各项费用。</p></body></html>","source":"live_wallstreetcn","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>近三年损失30亿美元！高盛新成立的消费金融部门亏损惊人</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近三年损失30亿美元！高盛新成立的消费金融部门亏损惊人\n</h2>\n\n<h4 class=\"meta\">\n\n\n2023-01-13 22:44 北京时间&nbsp;&nbsp;&nbsp;<a href=https://wallstreetcn.com/articles/3679833><strong>华尔街见闻</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>作者：赵颖“华尔街之王”玩不转消费贷，在这一业务上亏损越来越大。周五，高盛在美国证券交易委员会披露的8-K文件显示，其平台解决方案部门（Fintech和消费金融业务）在2022年1-9月份，税前亏损超过12亿美元，而且每季度亏损都在加速。文件显示，从2020年初到9月底，平台解决方案部门亏损累计达30亿美元。当下周最新一季度的数据发布后，预计三年累计损失将接近40亿美元。从信贷损失准备金数额的来看...</p>\n\n<a href=\"https://wallstreetcn.com/articles/3679833\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/1b3684302211042d481cacf9066fbcca","relate_stocks":{"GS":"高盛"},"source_url":"https://wallstreetcn.com/articles/3679833","is_english":false,"share_image_url":"https://static.laohu8.com/cc96873d3d23ee6ac10685520df9c100","article_id":"1187472513","content_text":"作者：赵颖“华尔街之王”玩不转消费贷，在这一业务上亏损越来越大。周五，高盛在美国证券交易委员会披露的8-K文件显示，其平台解决方案部门（Fintech和消费金融业务）在2022年1-9月份，税前亏损超过12亿美元，而且每季度亏损都在加速。文件显示，从2020年初到9月底，平台解决方案部门亏损累计达30亿美元。当下周最新一季度的数据发布后，预计三年累计损失将接近40亿美元。从信贷损失准备金数额的来看，去年损失将达到20亿美元。这一业务最新源于高盛CEO所罗门的“零售银行梦”，2016年高盛推出消费者银行业务Marcus，向零售消费者提供贷款、储蓄和存单等产品，还通过与苹果公司的合作向消费者提供信用卡Apple Card。然而，高盛消费金融业务发展过程十分坎坷，领导层更替、监管调查、亏损大幅攀升。由于持续飙升的成本和建立新业务线困难重重，高盛在去年10月推出史上最大规模重组，分拆消费金融业务。高盛把四大业务部门合并为三个，投资银行和交易业务、资产管理和财富管理以及平台解决方案部门（包括零售银行中面向企业客户的业务、Fintech 平台投资业务、专业贷款机构 GreenSky 以及其与苹果公司（Apple Card）、通用汽车的合作业务）。其中，投资银行和交易业务可能是唯一盈利的业务。此外，媒体援引知情人士指出，平台解决方案部门2021年报告的10亿美元税前亏损主要与Apple Card有关，他们表示2022年约20亿美元亏损是由Apple Card和分期贷款平台GreenSky导致的。高盛的整体消费者业务最初曾预计将在去年年底实现收支平衡，知情人士称，平台解决方案部门的高管们现在预测，该部门可能在2025年的某个时候实现这一目标，但最终情况尚未确定。与此同时，面对巨额亏损的压力，高盛CEO所罗门正在寻求其他方式来缩减支出，本周高盛拉开史上最大规模裁员的序幕、并考虑将投行部门员工奖金池缩减至少40%后，同时启动了金融危机以来最大规模的降本计划，矛头直指新技术部门、消费部门等各方面指出，评估从购置私人飞机到差旅、会议乃至外部供应商的各项费用。","news_type":1,"symbols_score_info":{"GS":0.9}},"isVote":1,"tweetType":1,"viewCount":2829,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":381678659,"gmtCreate":1612966555571,"gmtModify":1703767588737,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"老虎证券","listText":"老虎证券","text":"老虎证券","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/381678659","repostId":"1126709563","repostType":4,"isVote":1,"tweetType":1,"viewCount":2733,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":942344221,"gmtCreate":1596097499163,"gmtModify":1704210953358,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"甘老师：豆油能看到哪","listText":"甘老师：豆油能看到哪","text":"甘老师：豆油能看到哪","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/942344221","repostId":"948997615","repostType":1,"repost":{"id":948997615,"gmtCreate":1595213649929,"gmtModify":1707368927397,"author":{"id":"3534312224764596","authorId":"3534312224764596","name":"Ivan_甘灿荣","avatar":"https://static.tigerbbs.com/88507b8eb15a6e315e004663e5c9e31a","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3534312224764596","authorIdStr":"3534312224764596"},"themes":[],"title":"紧绷的弹簧--美豆粕","htmlText":"外盘农产品投资里有很多品种，除了三大主要谷物：美豆、美玉米、美小麦外，还有大豆的副产品美豆粕和美豆油。所以投资CME农产品期货其实从策略上有很多选择，也存在类似股市投资中的轮动效应。 豆粕是大豆的副产物，大豆压榨后会有两个副产品，其一是豆油，主要用作食用油和生物能源（将豆油加工成生物柴油，变成柴油车燃料，比例根据各国政策而定）；其二就是豆粕，主要用途是作为植物蛋白添加在养殖饲料中，由于其是最廉价的植物蛋白来源，所以几乎所有养殖饲料中均会添加，属于刚性需求。而压榨过程中，100吨大豆会压榨出87吨豆粕和18吨豆油，所以豆粕的价格是影响大豆价格的主要构成，或者简单说，只要大豆涨价，豆粕就没有不涨的道理，只是启动时间和幅度会受豆油的价格情况而变得不固定，不像美豆价格那么好判断。 自6月份开始，我就建议大家买入农产品，虽然中间有所波折，但到目前大部分品种都曾有10%的波幅。从这个过程大家也明白，农产品是个喜欢挖坑的品种，和其它品种不同，追高很容易产生较大的回撤（当然这只是底部盘整过程的表现，上涨时的回调不会那么深），所以我一直强调大家对期货杠杆的把控。其实期货投资的逻辑比起股票要简单，核心逻辑来来去去就那么几个因素，真正困难的是对杠杆的把握，毕竟做习惯股票的人的思维总喜欢满仓，这个在期货中大亏的人，往往都是这个原因造成的，当然了大赚也是需要靠大仓位实现的，所以对仓位的把控就是成熟期货投资人的体现（先不说赚大钱，起码损失可控）。 既然农产品喜欢挖坑，所以在投资过程中，哪个没涨，或者哪个涨得少的品种就应该是我们重点关注的品种。譬如说现在的美豆粕。 自6月份到现在，美豆涨了5%，美小麦涨了3%，美玉米几乎没涨，美豆粕也没涨。所以如果美豆保持这个价格，那么意味着美豆粕最少仍有5%的上涨空间，美豆若持续上涨，那么幅度更大，所以当前的美豆粕是个抄底的时机。从轮动的角度来说，把获利的仓位移至美豆","listText":"外盘农产品投资里有很多品种，除了三大主要谷物：美豆、美玉米、美小麦外，还有大豆的副产品美豆粕和美豆油。所以投资CME农产品期货其实从策略上有很多选择，也存在类似股市投资中的轮动效应。 豆粕是大豆的副产物，大豆压榨后会有两个副产品，其一是豆油，主要用作食用油和生物能源（将豆油加工成生物柴油，变成柴油车燃料，比例根据各国政策而定）；其二就是豆粕，主要用途是作为植物蛋白添加在养殖饲料中，由于其是最廉价的植物蛋白来源，所以几乎所有养殖饲料中均会添加，属于刚性需求。而压榨过程中，100吨大豆会压榨出87吨豆粕和18吨豆油，所以豆粕的价格是影响大豆价格的主要构成，或者简单说，只要大豆涨价，豆粕就没有不涨的道理，只是启动时间和幅度会受豆油的价格情况而变得不固定，不像美豆价格那么好判断。 自6月份开始，我就建议大家买入农产品，虽然中间有所波折，但到目前大部分品种都曾有10%的波幅。从这个过程大家也明白，农产品是个喜欢挖坑的品种，和其它品种不同，追高很容易产生较大的回撤（当然这只是底部盘整过程的表现，上涨时的回调不会那么深），所以我一直强调大家对期货杠杆的把控。其实期货投资的逻辑比起股票要简单，核心逻辑来来去去就那么几个因素，真正困难的是对杠杆的把握，毕竟做习惯股票的人的思维总喜欢满仓，这个在期货中大亏的人，往往都是这个原因造成的，当然了大赚也是需要靠大仓位实现的，所以对仓位的把控就是成熟期货投资人的体现（先不说赚大钱，起码损失可控）。 既然农产品喜欢挖坑，所以在投资过程中，哪个没涨，或者哪个涨得少的品种就应该是我们重点关注的品种。譬如说现在的美豆粕。 自6月份到现在，美豆涨了5%，美小麦涨了3%，美玉米几乎没涨，美豆粕也没涨。所以如果美豆保持这个价格，那么意味着美豆粕最少仍有5%的上涨空间，美豆若持续上涨，那么幅度更大，所以当前的美豆粕是个抄底的时机。从轮动的角度来说，把获利的仓位移至美豆","text":"外盘农产品投资里有很多品种，除了三大主要谷物：美豆、美玉米、美小麦外，还有大豆的副产品美豆粕和美豆油。所以投资CME农产品期货其实从策略上有很多选择，也存在类似股市投资中的轮动效应。 豆粕是大豆的副产物，大豆压榨后会有两个副产品，其一是豆油，主要用作食用油和生物能源（将豆油加工成生物柴油，变成柴油车燃料，比例根据各国政策而定）；其二就是豆粕，主要用途是作为植物蛋白添加在养殖饲料中，由于其是最廉价的植物蛋白来源，所以几乎所有养殖饲料中均会添加，属于刚性需求。而压榨过程中，100吨大豆会压榨出87吨豆粕和18吨豆油，所以豆粕的价格是影响大豆价格的主要构成，或者简单说，只要大豆涨价，豆粕就没有不涨的道理，只是启动时间和幅度会受豆油的价格情况而变得不固定，不像美豆价格那么好判断。 自6月份开始，我就建议大家买入农产品，虽然中间有所波折，但到目前大部分品种都曾有10%的波幅。从这个过程大家也明白，农产品是个喜欢挖坑的品种，和其它品种不同，追高很容易产生较大的回撤（当然这只是底部盘整过程的表现，上涨时的回调不会那么深），所以我一直强调大家对期货杠杆的把控。其实期货投资的逻辑比起股票要简单，核心逻辑来来去去就那么几个因素，真正困难的是对杠杆的把握，毕竟做习惯股票的人的思维总喜欢满仓，这个在期货中大亏的人，往往都是这个原因造成的，当然了大赚也是需要靠大仓位实现的，所以对仓位的把控就是成熟期货投资人的体现（先不说赚大钱，起码损失可控）。 既然农产品喜欢挖坑，所以在投资过程中，哪个没涨，或者哪个涨得少的品种就应该是我们重点关注的品种。譬如说现在的美豆粕。 自6月份到现在，美豆涨了5%，美小麦涨了3%，美玉米几乎没涨，美豆粕也没涨。所以如果美豆保持这个价格，那么意味着美豆粕最少仍有5%的上涨空间，美豆若持续上涨，那么幅度更大，所以当前的美豆粕是个抄底的时机。从轮动的角度来说，把获利的仓位移至美豆","images":[{"img":"https://static.tigerbbs.com/cb632dc7a11069b1a695b87988bc2267","width":"970","height":"1090"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/948997615","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":2,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":4239,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3527667803686145","authorId":"3527667803686145","name":"社区成长助手","avatar":"https://static.tigerbbs.com/2b7c7106b5c0c8b0037faa67439d898f","crmLevel":1,"crmLevelSwitch":0,"idStr":"3527667803686145","authorIdStr":"3527667803686145"},"content":"终于等到了您的初发帖[比心][比心]发帖时关联相关股票或者相关话题，可以获得更多曝光哦～如果您想创作优质文章，请查看老虎社区创作指引","text":"终于等到了您的初发帖[比心][比心]发帖时关联相关股票或者相关话题，可以获得更多曝光哦～如果您想创作优质文章，请查看老虎社区创作指引","html":"终于等到了您的初发帖[比心][比心]发帖时关联相关股票或者相关话题，可以获得更多曝光哦～如果您想创作优质文章，请查看老虎社区创作指引"}],"imageCount":0,"langContent":"CN","totalScore":0}],"hots":[{"id":942344221,"gmtCreate":1596097499163,"gmtModify":1704210953358,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"甘老师：豆油能看到哪","listText":"甘老师：豆油能看到哪","text":"甘老师：豆油能看到哪","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/942344221","repostId":"948997615","repostType":1,"repost":{"id":948997615,"gmtCreate":1595213649929,"gmtModify":1707368927397,"author":{"id":"3534312224764596","authorId":"3534312224764596","name":"Ivan_甘灿荣","avatar":"https://static.tigerbbs.com/88507b8eb15a6e315e004663e5c9e31a","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3534312224764596","authorIdStr":"3534312224764596"},"themes":[],"title":"紧绷的弹簧--美豆粕","htmlText":"外盘农产品投资里有很多品种，除了三大主要谷物：美豆、美玉米、美小麦外，还有大豆的副产品美豆粕和美豆油。所以投资CME农产品期货其实从策略上有很多选择，也存在类似股市投资中的轮动效应。 豆粕是大豆的副产物，大豆压榨后会有两个副产品，其一是豆油，主要用作食用油和生物能源（将豆油加工成生物柴油，变成柴油车燃料，比例根据各国政策而定）；其二就是豆粕，主要用途是作为植物蛋白添加在养殖饲料中，由于其是最廉价的植物蛋白来源，所以几乎所有养殖饲料中均会添加，属于刚性需求。而压榨过程中，100吨大豆会压榨出87吨豆粕和18吨豆油，所以豆粕的价格是影响大豆价格的主要构成，或者简单说，只要大豆涨价，豆粕就没有不涨的道理，只是启动时间和幅度会受豆油的价格情况而变得不固定，不像美豆价格那么好判断。 自6月份开始，我就建议大家买入农产品，虽然中间有所波折，但到目前大部分品种都曾有10%的波幅。从这个过程大家也明白，农产品是个喜欢挖坑的品种，和其它品种不同，追高很容易产生较大的回撤（当然这只是底部盘整过程的表现，上涨时的回调不会那么深），所以我一直强调大家对期货杠杆的把控。其实期货投资的逻辑比起股票要简单，核心逻辑来来去去就那么几个因素，真正困难的是对杠杆的把握，毕竟做习惯股票的人的思维总喜欢满仓，这个在期货中大亏的人，往往都是这个原因造成的，当然了大赚也是需要靠大仓位实现的，所以对仓位的把控就是成熟期货投资人的体现（先不说赚大钱，起码损失可控）。 既然农产品喜欢挖坑，所以在投资过程中，哪个没涨，或者哪个涨得少的品种就应该是我们重点关注的品种。譬如说现在的美豆粕。 自6月份到现在，美豆涨了5%，美小麦涨了3%，美玉米几乎没涨，美豆粕也没涨。所以如果美豆保持这个价格，那么意味着美豆粕最少仍有5%的上涨空间，美豆若持续上涨，那么幅度更大，所以当前的美豆粕是个抄底的时机。从轮动的角度来说，把获利的仓位移至美豆","listText":"外盘农产品投资里有很多品种，除了三大主要谷物：美豆、美玉米、美小麦外，还有大豆的副产品美豆粕和美豆油。所以投资CME农产品期货其实从策略上有很多选择，也存在类似股市投资中的轮动效应。 豆粕是大豆的副产物，大豆压榨后会有两个副产品，其一是豆油，主要用作食用油和生物能源（将豆油加工成生物柴油，变成柴油车燃料，比例根据各国政策而定）；其二就是豆粕，主要用途是作为植物蛋白添加在养殖饲料中，由于其是最廉价的植物蛋白来源，所以几乎所有养殖饲料中均会添加，属于刚性需求。而压榨过程中，100吨大豆会压榨出87吨豆粕和18吨豆油，所以豆粕的价格是影响大豆价格的主要构成，或者简单说，只要大豆涨价，豆粕就没有不涨的道理，只是启动时间和幅度会受豆油的价格情况而变得不固定，不像美豆价格那么好判断。 自6月份开始，我就建议大家买入农产品，虽然中间有所波折，但到目前大部分品种都曾有10%的波幅。从这个过程大家也明白，农产品是个喜欢挖坑的品种，和其它品种不同，追高很容易产生较大的回撤（当然这只是底部盘整过程的表现，上涨时的回调不会那么深），所以我一直强调大家对期货杠杆的把控。其实期货投资的逻辑比起股票要简单，核心逻辑来来去去就那么几个因素，真正困难的是对杠杆的把握，毕竟做习惯股票的人的思维总喜欢满仓，这个在期货中大亏的人，往往都是这个原因造成的，当然了大赚也是需要靠大仓位实现的，所以对仓位的把控就是成熟期货投资人的体现（先不说赚大钱，起码损失可控）。 既然农产品喜欢挖坑，所以在投资过程中，哪个没涨，或者哪个涨得少的品种就应该是我们重点关注的品种。譬如说现在的美豆粕。 自6月份到现在，美豆涨了5%，美小麦涨了3%，美玉米几乎没涨，美豆粕也没涨。所以如果美豆保持这个价格，那么意味着美豆粕最少仍有5%的上涨空间，美豆若持续上涨，那么幅度更大，所以当前的美豆粕是个抄底的时机。从轮动的角度来说，把获利的仓位移至美豆","text":"外盘农产品投资里有很多品种，除了三大主要谷物：美豆、美玉米、美小麦外，还有大豆的副产品美豆粕和美豆油。所以投资CME农产品期货其实从策略上有很多选择，也存在类似股市投资中的轮动效应。 豆粕是大豆的副产物，大豆压榨后会有两个副产品，其一是豆油，主要用作食用油和生物能源（将豆油加工成生物柴油，变成柴油车燃料，比例根据各国政策而定）；其二就是豆粕，主要用途是作为植物蛋白添加在养殖饲料中，由于其是最廉价的植物蛋白来源，所以几乎所有养殖饲料中均会添加，属于刚性需求。而压榨过程中，100吨大豆会压榨出87吨豆粕和18吨豆油，所以豆粕的价格是影响大豆价格的主要构成，或者简单说，只要大豆涨价，豆粕就没有不涨的道理，只是启动时间和幅度会受豆油的价格情况而变得不固定，不像美豆价格那么好判断。 自6月份开始，我就建议大家买入农产品，虽然中间有所波折，但到目前大部分品种都曾有10%的波幅。从这个过程大家也明白，农产品是个喜欢挖坑的品种，和其它品种不同，追高很容易产生较大的回撤（当然这只是底部盘整过程的表现，上涨时的回调不会那么深），所以我一直强调大家对期货杠杆的把控。其实期货投资的逻辑比起股票要简单，核心逻辑来来去去就那么几个因素，真正困难的是对杠杆的把握，毕竟做习惯股票的人的思维总喜欢满仓，这个在期货中大亏的人，往往都是这个原因造成的，当然了大赚也是需要靠大仓位实现的，所以对仓位的把控就是成熟期货投资人的体现（先不说赚大钱，起码损失可控）。 既然农产品喜欢挖坑，所以在投资过程中，哪个没涨，或者哪个涨得少的品种就应该是我们重点关注的品种。譬如说现在的美豆粕。 自6月份到现在，美豆涨了5%，美小麦涨了3%，美玉米几乎没涨，美豆粕也没涨。所以如果美豆保持这个价格，那么意味着美豆粕最少仍有5%的上涨空间，美豆若持续上涨，那么幅度更大，所以当前的美豆粕是个抄底的时机。从轮动的角度来说，把获利的仓位移至美豆","images":[{"img":"https://static.tigerbbs.com/cb632dc7a11069b1a695b87988bc2267","width":"970","height":"1090"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/948997615","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":2,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":4239,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3527667803686145","authorId":"3527667803686145","name":"社区成长助手","avatar":"https://static.tigerbbs.com/2b7c7106b5c0c8b0037faa67439d898f","crmLevel":1,"crmLevelSwitch":0,"idStr":"3527667803686145","authorIdStr":"3527667803686145"},"content":"终于等到了您的初发帖[比心][比心]发帖时关联相关股票或者相关话题，可以获得更多曝光哦～如果您想创作优质文章，请查看老虎社区创作指引","text":"终于等到了您的初发帖[比心][比心]发帖时关联相关股票或者相关话题，可以获得更多曝光哦～如果您想创作优质文章，请查看老虎社区创作指引","html":"终于等到了您的初发帖[比心][比心]发帖时关联相关股票或者相关话题，可以获得更多曝光哦～如果您想创作优质文章，请查看老虎社区创作指引"}],"imageCount":0,"langContent":"CN","totalScore":0},{"id":404988681925216,"gmtCreate":1739898586305,"gmtModify":1739898588046,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/TIGR\">$老虎证券(TIGR)$</a> 百度财报？还值得拥有吗","listText":"<a href=\"https://laohu8.com/S/TIGR\">$老虎证券(TIGR)$</a> 百度财报？还值得拥有吗","text":"$老虎证券(TIGR)$ 百度财报？还值得拥有吗","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/404988681925216","isVote":1,"tweetType":1,"viewCount":1701,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":397957602316808,"gmtCreate":1738179785409,"gmtModify":1738179790720,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"愿蛇年的我们，财运如蛇行千里，稳健而持久","listText":"愿蛇年的我们，财运如蛇行千里，稳健而持久","text":"愿蛇年的我们，财运如蛇行千里，稳健而持久","images":[{"img":"https://static.tigerbbs.com/df28e318aaff9ae068f7ca809c778ed9","width":"1290","height":"2796"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/397957602316808","isVote":1,"tweetType":1,"viewCount":1256,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"CN","totalScore":0},{"id":397587981533616,"gmtCreate":1738089650961,"gmtModify":1738089652223,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/FUT/MNQ2503\">$微型NQ100指数2503(MNQ2503)$</a>&nbsp;","listText":"<a href=\"https://laohu8.com/FUT/MNQ2503\">$微型NQ100指数2503(MNQ2503)$</a>&nbsp;","text":"$微型NQ100指数2503(MNQ2503)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/397587981533616","isVote":1,"tweetType":1,"viewCount":1635,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":395063084327368,"gmtCreate":1737461155406,"gmtModify":1737461156362,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/FUT/MGCmain\">$微黄金主连 2502(MGCmain)$&nbsp;</a>&nbsp;","listText":"<a href=\"https://laohu8.com/FUT/MGCmain\">$微黄金主连 2502(MGCmain)$&nbsp;</a>&nbsp;","text":"$微黄金主连 2502(MGCmain)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/395063084327368","isVote":1,"tweetType":1,"viewCount":1340,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":387258774536416,"gmtCreate":1735576332917,"gmtModify":1735576333930,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/FFIE\">$Faraday Future(FFIE)$&nbsp;</a>&nbsp;","listText":"<a href=\"https://laohu8.com/S/FFIE\">$Faraday Future(FFIE)$&nbsp;</a>&nbsp;","text":"$Faraday Future(FFIE)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/387258774536416","isVote":1,"tweetType":1,"viewCount":1522,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":365613004951568,"gmtCreate":1730261515457,"gmtModify":1730261516649,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/FUT/MGCmain\">$微黄金主连 2412(MGCmain)$&nbsp;</a>&nbsp;","listText":"<a href=\"https://laohu8.com/FUT/MGCmain\">$微黄金主连 2412(MGCmain)$&nbsp;</a>&nbsp;","text":"$微黄金主连 2412(MGCmain)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/365613004951568","isVote":1,"tweetType":1,"viewCount":1613,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":327706889179152,"gmtCreate":1721008310029,"gmtModify":1721008310848,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/FUT/MCL2408\">$微型WTI原油2408(MCL2408)$</a>&nbsp;","listText":"<a href=\"https://laohu8.com/FUT/MCL2408\">$微型WTI原油2408(MCL2408)$</a>&nbsp;","text":"$微型WTI原油2408(MCL2408)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/327706889179152","isVote":1,"tweetType":1,"viewCount":2145,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":320993678872864,"gmtCreate":1719397743333,"gmtModify":1719407855891,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/FUT/MGCmain\">$微黄金主连 2408(MGCmain)$</a>&nbsp;","listText":"<a href=\"https://laohu8.com/FUT/MGCmain\">$微黄金主连 2408(MGCmain)$</a>&nbsp;","text":"$微黄金主连 2408(MGCmain)$","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/320993678872864","isVote":1,"tweetType":1,"viewCount":1427,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":626916228,"gmtCreate":1673623434164,"gmtModify":1673623575401,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"．。你是 &nbsp; 你 &nbsp; &nbsp;你 你／．．…．","listText":"．。你是 &nbsp; 你 &nbsp; &nbsp;你 你／．．…．","text":"．。你是 你 你 你／．．…．","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/626916228","repostId":"1187472513","repostType":2,"repost":{"id":"1187472513","kind":"news","pubTimestamp":1673621042,"share":"https://www.laohu8.com/m/news/1187472513?lang=&edition=full","pubTime":"2023-01-13 22:44","market":"us","language":"zh","title":"近三年损失30亿美元！高盛新成立的消费金融部门亏损惊人","url":"https://stock-news.laohu8.com/highlight/detail?id=1187472513","media":"华尔街见闻","summary":"在转型消费金融的过程中，高盛付出了惨痛代价。","content":"<html><head></head><body><p>作者：赵颖</p><p>“华尔街之王”玩不转消费贷，在这一业务上亏损越来越大。</p><p>周五，高盛在美国证券交易委员会披露的8-K文件显示，<b>其平台解决方案部门（Fintech和消费金融业务）在2022年1-9月份，税前亏损超过12亿美元，而且每季度亏损都在加速。</b></p><p>文件显示，从2020年初到9月底，平台解决方案部门亏损累计达30亿美元。当下周最新一季度的数据发布后，<b>预计三年累计损失将接近40亿美元。从信贷损失准备金数额的来看，去年损失将达到20亿美元。</b></p><p>这一业务最新源于高盛CEO所罗门的“零售银行梦”，2016年高盛推出消费者银行业务Marcus，向零售消费者提供贷款、储蓄和存单等产品，还通过与苹果公司的合作向消费者提供信用卡Apple Card。</p><p>然而，高盛消费金融业务发展过程十分坎坷，领导层更替、监管调查、亏损大幅攀升。由于持续飙升的成本和建立新业务线困难重重，高盛在去年10月推出史上最大规模重组，分拆消费金融业务。</p><p>高盛把四大业务部门合并为三个，投资银行和交易业务、资产管理和财富管理以及平台解决方案部门（包括零售银行中面向企业客户的业务、Fintech 平台投资业务、专业贷款机构 GreenSky 以及其与苹果公司（Apple Card）、通用汽车的合作业务）。</p><p>其中，投资银行和交易业务可能是唯一盈利的业务。</p><p><b>此外，媒体援引</b><b>知情人士</b><b>指出，平台解决方案部门2021年报告的10亿美元税前亏损主要与Apple Card有关</b>，他们表示2022年约20亿美元亏损是由Apple Card和分期贷款平台GreenSky导致的。</p><p>高盛的整体消费者业务最初曾预计将在去年年底实现收支平衡，知情人士称，平台解决方案部门的高管们现在预测，该部门可能在2025年的某个时候实现这一目标，但最终情况尚未确定。</p><p>与此同时，面对巨额亏损的压力，高盛CEO所罗门正在寻求其他方式来缩减支出，本周高盛拉开史上最大规模裁员的序幕、并考虑将投行部门员工奖金池缩减至少40%后，同时启动了金融危机以来最大规模的降本计划，矛头直指新技术部门、消费部门等各方面指出，评估从购置私人飞机到差旅、会议乃至外部供应商的各项费用。</p></body></html>","source":"live_wallstreetcn","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>近三年损失30亿美元！高盛新成立的消费金融部门亏损惊人</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近三年损失30亿美元！高盛新成立的消费金融部门亏损惊人\n</h2>\n\n<h4 class=\"meta\">\n\n\n2023-01-13 22:44 北京时间&nbsp;&nbsp;&nbsp;<a href=https://wallstreetcn.com/articles/3679833><strong>华尔街见闻</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>作者：赵颖“华尔街之王”玩不转消费贷，在这一业务上亏损越来越大。周五，高盛在美国证券交易委员会披露的8-K文件显示，其平台解决方案部门（Fintech和消费金融业务）在2022年1-9月份，税前亏损超过12亿美元，而且每季度亏损都在加速。文件显示，从2020年初到9月底，平台解决方案部门亏损累计达30亿美元。当下周最新一季度的数据发布后，预计三年累计损失将接近40亿美元。从信贷损失准备金数额的来看...</p>\n\n<a href=\"https://wallstreetcn.com/articles/3679833\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/1b3684302211042d481cacf9066fbcca","relate_stocks":{"GS":"高盛"},"source_url":"https://wallstreetcn.com/articles/3679833","is_english":false,"share_image_url":"https://static.laohu8.com/cc96873d3d23ee6ac10685520df9c100","article_id":"1187472513","content_text":"作者：赵颖“华尔街之王”玩不转消费贷，在这一业务上亏损越来越大。周五，高盛在美国证券交易委员会披露的8-K文件显示，其平台解决方案部门（Fintech和消费金融业务）在2022年1-9月份，税前亏损超过12亿美元，而且每季度亏损都在加速。文件显示，从2020年初到9月底，平台解决方案部门亏损累计达30亿美元。当下周最新一季度的数据发布后，预计三年累计损失将接近40亿美元。从信贷损失准备金数额的来看，去年损失将达到20亿美元。这一业务最新源于高盛CEO所罗门的“零售银行梦”，2016年高盛推出消费者银行业务Marcus，向零售消费者提供贷款、储蓄和存单等产品，还通过与苹果公司的合作向消费者提供信用卡Apple Card。然而，高盛消费金融业务发展过程十分坎坷，领导层更替、监管调查、亏损大幅攀升。由于持续飙升的成本和建立新业务线困难重重，高盛在去年10月推出史上最大规模重组，分拆消费金融业务。高盛把四大业务部门合并为三个，投资银行和交易业务、资产管理和财富管理以及平台解决方案部门（包括零售银行中面向企业客户的业务、Fintech 平台投资业务、专业贷款机构 GreenSky 以及其与苹果公司（Apple Card）、通用汽车的合作业务）。其中，投资银行和交易业务可能是唯一盈利的业务。此外，媒体援引知情人士指出，平台解决方案部门2021年报告的10亿美元税前亏损主要与Apple Card有关，他们表示2022年约20亿美元亏损是由Apple Card和分期贷款平台GreenSky导致的。高盛的整体消费者业务最初曾预计将在去年年底实现收支平衡，知情人士称，平台解决方案部门的高管们现在预测，该部门可能在2025年的某个时候实现这一目标，但最终情况尚未确定。与此同时，面对巨额亏损的压力，高盛CEO所罗门正在寻求其他方式来缩减支出，本周高盛拉开史上最大规模裁员的序幕、并考虑将投行部门员工奖金池缩减至少40%后，同时启动了金融危机以来最大规模的降本计划，矛头直指新技术部门、消费部门等各方面指出，评估从购置私人飞机到差旅、会议乃至外部供应商的各项费用。","news_type":1,"symbols_score_info":{"GS":0.9}},"isVote":1,"tweetType":1,"viewCount":2829,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":381678659,"gmtCreate":1612966555571,"gmtModify":1703767588737,"author":{"id":"3552996064284295","authorId":"3552996064284295","name":"璐儿妈","avatar":"https://static.tigerbbs.com/a647a2742d98020bd4389d89e8466bff","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3552996064284295","authorIdStr":"3552996064284295"},"themes":[],"htmlText":"老虎证券","listText":"老虎证券","text":"老虎证券","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/381678659","repostId":"1126709563","repostType":4,"isVote":1,"tweetType":1,"viewCount":2733,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"lives":[]}