Financial crisis calls finance storm again, it is the major finance index that points to one country or multilateral money market and financial system, if orgnaization of capital fund of short-term interest rate, money, negotiable securities, estate, finance closes down,count, quick aggravation.
Speak of financial crisis, what we are familiar with most is reached the United States between 1933 1929 from what acquire in textbook great depression. This great depression is almost extinct the capital that the United States can use at Europe to invest originally. The developed country such as Ying Fade day also spread later. 8 years when still have publicity additionally second borrow the crisis, that sweeps across financial storm of the whole world.
Will experience from the angle of our individual, it is the bank does not have money probably, the stock falls greatly, authority is very much begin unemployment, the asset in the hand may be met considerably shrink...
Circumstance of the closest stock market not beautiful, international condition also is unstable calm, small make up can't help associating, if produce financial crisis again really, how should be we answered? How to do ability to allow the money in the hand won't considerably shrink?
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- - is financial crisis what kind of? - -
Financial crisis calls finance storm again, it is the major finance index that points to one country or multilateral money market and financial system, if orgnaization of capital fund of short-term interest rate, money, negotiable securities, estate, finance closes down,count, quick aggravation.
Financial crisis divides again it is two kinds: Inflation and deflationary.
The problem that inflation faces is prices shoot up, money cannot buy a thing, 1 yuan of things that can buy are likely before a few yuan want below inflationary circumstance. For instance Venezuela of present latin america country is this kind of circumstance.
And deflationary it is commonly it is a money be like a large number of afflux estate take up capital time invests longerly, and other substance economy obtains fund very hard, a lot of companies go broke because of lacking capital, and the financial system such as the bank because cannot call in,loan obtains cash to flow and also appear the crisis.
The basis behaves a form, financial crisis can be divided it is 4 kinds.
? Monetary crisis calls exchange rate the crisis again, it is to show money of one home products devalues considerably, cause capital flight, the money that creates one state is current the domain appears severe disorder, make original exchange rate system tends even break down.
? Debt crisis is to point to one country to economic situation changes and manage not to be pooh-poohed to bring about because of its insolvent expire external debt, cause foreign capital to smoke escape, the case with financial exasperate environment. Debt crisis happens in borrow normally the developing country of a large number of external debt.
? Bank crisis 1) bad assets takes bank system the scale of total assets exceeds 10% ; 2) the problem that bank system appears brings about many bank nationalization; 3) produce bank a run on a bank, or it is the government adopted an emergency measures, if freeze deposit, lengthen bank holiday or execute deposit to assure in the round etc. Bank crisis creates credit constrictive, reduced the credit of whole banking system, cause acuteness finance and society queasy.
? The financial asset value such as the stock that expression of capital market crisis is capital market to go up fluctuates strongly, undersell of investor panic sex is exited eagerly.
Crisis of the banking a few years ago basically is equal at bank crisis, be deepened as finance and money market is mixed with each passing day, appear with the form of monetary crisis more now.
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- - can hold cash answer financial crisis? - -
Face monetary crisis and debt crisis, money of one home products devalues quickly, inflationary tall look forward to, no matter devalue like deposit or hold cash, at this moment the basiccest investment strategy is, trade ready money rapidly avoid risk capital.
Avoid risk capital is the stock market, collect the capital fund beyond the venture capital such as city. Those who point to is as vicissitude of the market, the price won't be fluctuant a too big kind of relatively stable assets.
Avoid risk capital has dollar, gold, oil commonly, nonferrous metal, heavy goods.
Face bank crisis and capital market crisis, market liquidity appears big question, the country can increase interest rate to draw deposit, adopt all sorts of measure to be bank reveal all the details, there still is 1 million ready money on your hand by chance, because this moment is financial crisis, the investment channel that all making money is in condition of be out of pocket, you take 1 million cash impossibly to invest at that time.
But no matter which are planted,economic crisis erupts. Much ready money is being had in your hand is lucky thing.
If be inflation, for instance stock, fund affirms what can drop to be in a complete mess, the hard currency in helper of this kind of circumstance for instance gold is most fight drop.
If be deflationary, market fund is in short supply, current appear big question, the country can increase interest rate to draw deposit, so the cash in your hand also is very valuable, want to be put in the bank to be able to earn very high interest rate only.
When what each industries drop is about the same, all sorts of asset are in a very low price when, the ready money that takes out you lays in investment to go in, earn firmly so almost.
For instance 2008 the stock market after financial crisis, want a bit better company to drop to the history almost only at that time low, that is to buy these year it is good to believed to also break up multiple.
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- - how does each phase answer financial crisis? - -
If be in phase of financial crisis initial stage, what should divide separate out to cause the happening of financial crisis first is logistic.
Be like now, world each country has the potential risk that produces financial crisis, and because the United States is added,all these is breath those who cause, no matter the United States is intended,still be innocently, but all these is concerned with it.
The dollar is in appreciate, the money that be not the United States is in devalue, we are OK that now the RMB in handle trades a dollar first.
And in domestic venture what is the largest trade, it is the trade with the largest bubble -- building city, and although the stock market is very desolate also now, but for contrast, the risk is true now not quite.
If be the metaphase phase in financial crisis, that is about to buy gold. Gold is the optimal choice of pair of strong crises, this passes test and verify 100 thousand times, gold of troubled times collect this word also does not say in vain.
If true confident word, also can invest one part to become empty period power, home also opens period advantageous position now, the risk is a bit big nevertheless.
If arrived the evening phase of crisis of be in harmony, it is building city, stock market without giving thought to at this moment, still be futures the bottom area that is in the history, what need most now is cash, go oneself most familiar market is bought went.
Of bottom of have rendered great service buy a house, buy a share, won't buy exponential fund, those who remain making money with respect to sit back and wait is.
What should point out nevertheless is, each phase of financial crisis are not very easy distinguish, early days does not have too great sense; Metaphase can feel prices rises, money is bad to earned; To evening it is large quantities of business failure, worker unemployment, prices falls greatly but as before not much the person is bought.
So, if produce the word of financial crisis, should distinguish first be in that phase, can manage clear even the logic that this financial crisis produces.
Every time the outbreak of financial crisis means also is different. Like 8 years of United States second borrow the crisis to cause financial crisis, 97 years Asian banking crisis begins from the money, but appreciate with the dollar have buy not clear concern.
So, the integral train of thought that answers financial crisis is, first dollar, again gold, finally is to change a cash to copy a copy. Arrive again to gold as to the dollar the switch opportunity of cash, be about to rely on work force of the individual, but want only on old thinking it is this process, keeping a cost do not have too big question.
