The Money changers
Arthur Hailey
Bantam Books by Arthur Hailey
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AIRPORT
THE FINAL DL\GNOSIS
- HOTEL
IN HIGH PLACES
THE MONEYCHANGERS
RUNWAY ZERO-EIGHT (with John Castle)
Moneychangers
3~. A' mu "e
ARTHUR HAILEY
This low-pricod Bantam Book
has been completely reset in a type
designed for easy reading, and was printed
from new plates. It contai the complete
text of the original hard-cover edition.
NOT ONII WORD WAS HBBN OMrl~D.
TNB MONBYt=ANGl~S
A Bantam Book / published by arrangement with
Doubleday L Company, Inc.
PRINTING HISTORY
Doubleday edition published March 1975
2nd printing
March 1975
3rd printing
March 1975
4th printing
May 1975
5th printing
IUIY 1975
6th printing
August 1975
7th printing i ~1975
Bantam edition / January 1976
All rights reserved.
Copyright @) 1975 by Arthur Halley.
This book may not be reproduced in whole or in part by
mimeograph or any other mea , without permi ion
For information addre : Doubleday & Company, Inc.
277 Park Avenue, New York, N. Y. 10017
Published simultaneously in the 17nited States and Canada
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PRINTED IN TUB UNITED STATES OF AMBRICA
If thou art rich, thou'rt
poor; For, like an a whose back
with ingots bows, Thou bear'st thy
heavy riches but a journey,
And death unloads thee.
Shake eare, Measure for Measure
Poul-cank'ring rust the hidden
treasure frets, But gold that's put
to use more gold begets.
Venus and Adonis
- hi: ~
Moneychangers
I~EI~Elr '
EI~EI' ~
- Part One
1' .13~Gl HEIR ~G~
Long afterward, many
would remember those
two days in the
first week of
October with
vividne and
anguish.
It was on Tuesday
of that week that
old Ben Ro elli,
president of First
Mercantile American
Bank and grandson of
the bank's founder,
made an
a ouncement
startling and
somber which
reverberated through
every segment of the
bank and far beyond.
And the next day,
Wednesday, the
bank's "flagship"
downtown branch dis-
covered the presence
of a thief begi ing
a series of events
which few could have
foreseen, and ending
in financial
wreckage, human
tragedy, and death.
The bank
president's
a ouncement
occurred without
warrung; remarkably,
there were no
advance leaks. Ben
Ro elli had
telephoned a few of
his senior
executives early in
the morning,
catching some at
home at breakfast,
others soon after
their arrival at
work. There were a
few, too, who were
not executives,
simply longtime
employees whom old
Ben thought of as
his friends.
To each, the
me age was the
same: Please be in
the Headquarters
Tower boardroom at
11 A.M.
Now all except Ben
were a embled in
the boardroom,
twenty or so,
talking quietly in
grou , waiting. All
were standing; no
one chose to be
first to pull a
chair back from the
gleaming directors'
table, longer than a
squash court, which
seated forty.
A voice cut sharply
acro the talk.
"Who authorized
Heads turned.
Roscoe Heyward,
executive
vice-president and
comptroller, had
addre ed a
white-coated waiter
4 ARTHUR HAILEY
from the senior officers' dining
room. The man had come in with
decanters of sherry which he was
pouring into gla es.
Heyward, austere, Olympian in FMA
Bank, was a zealous teetotaler. He
glanced pointedly at his watch in a
gesture which said clearly: Not only
drinking, but this early. Several who
had been reaching out for the sherry
withdrew their hands.
"Mr. Ro elli's i tructio ,
sir," the waiter stated. "And he
e ecially ordered the best sherry."
A stocky figure, fashionably
dre ed in light gray, turned and
said easily, "Whatever time it is,
no se e pa ing up the best."
Alex Vandervoort, blue-eyed and
fair-haired with a touch of gray at
the temples, was also an executive
vicepresident. Genial and informal,
his easygoing, "with-it" ways belied
the tough decisivene beneath. The
two men
Heyward and
Vandervoort represented the second
management echelon immediately below
the presidency and, while each was
seasoned and capable of
co-operation, they were, in many
ways, rivals. Their rivalry, and
differing viewpoints, permeated the
bank, giving each a retinue of
su orters at lower levels.
Now Alex took two gla es of
sherry, pa ing one to Edwina
D'Orsey, brunette and statuesque,
FMA's ranking woman executive.
Edwina saw Heyward glance toward
her, disa roving. Well, it made
little difference, she thought.
Roscoe knew she was a loyalist in
the Vandervoort camp.
"Thank you, Alex," she said, and
took the gla .
There was a moment's te ion, then
others followed the example.
Roscoe Heyward's face tightened
angrily. He a eared about to say
something more, then changed his
At the boardroom doorway the
vice-president for Security, Nolan
Wainwright, a towering, Othello-like
figure and one of two black
executives present, raised his
voice. "Mrs. D'Orsey and
gentlemen Mr. Ro elli."
The hum of conversation sto ed.
Ben Ro elli stood there, smiling
slightly, as his eyes
THEONEYC~NGERS S
pa ed over the group. As always, his
a earance seemed to strike a median
point between a benevolent father figure
and the strong solidity of one to whom
thousands of fellow citize entrusted
money for safekeeping. He looked both
parts, and dre ed them: in
statesman-banker black, with the
inevitable vest, acro its front a thin
gold chain and fob. And it was
striking~how closely this man resembled
the first Ro elli~iova i who had
founded the -bank in the basement of a
grocery store a century ago. It was
Giovaurfl's patrician head, with flowing
silver hair and full mustache, which the
bank reproduced on pa ooks and
travelers checks as a symbol of probity,
and whose bust adorned Ro elli Plaza
down below.
The here-and-now Ro elli had the
silver hair and mustache, almost as
luxuriant. Fashion acro a century had
revolved full circle. But what no
reproduction showed was the family drive
which all Ro ellis had po e ed and
which, with ingenuity and boundle energy, raised First Mercantile American
to its present eminence. Today, though,
in Ben Ro elli the usual liveline seemed mi ing. He was~walking with the
aid of a cane; no one present had seen
him do so before.
Now he reached out, as if to pull one
of the heavy directors' chairs toward
him. But Nolan Wainwright, who - was
nearest, moved more quickly. The
security chief swung the chair-around,
its high back to the boardroom table.
With a murmur of thanks the president
settled into it.
Ben Ro elli waved a hand to the
others. 'qthis is i formal. Won't take
long. If you like, pull chairs around.
Ah, thank you." The last-remark was to
the waiter from whom he accepted a gla of sherry. The man went out, closing the
boardroom doors behind him.
Someone moved a chair for Edwina
D'Orsey, and a few others seated
themselves, but most remained standing.
If was Alex Vandervoort who said,
"We're obviously here to celebrate." He
motioned with his sherry gla . 'The
question is_ what?"
Ben Ro elli again smiled fleetingly.
'A wish this were a celebration, Alex.
It's~simply an-occasion when I thought
6 ARIlIUR HA~I!Y
a drink might help." He paused, and
suddenly a new te ion permeated the
room. It was evident to everyone now
that this was no ordinary meeting.
Faces mirrored uncertainty, concern.
"I'm dying," Ben Ro elli said.
"My doctors tell me I don't have
long. I thought all of you should
know." He raised his own gla ,
contemplated it, and took a sip of
sherry.
Where the boardroom had been quiet
before, now the silence was inte e.
No one moved or oke. Exterior
sounds intruded faintly; the muted
ta ing of a typewriter, an
air-conditioning hum; somewhere
outside a whining jet plane climbed
above the city.
Old Ben leaned forward on his
cane. "Come now, let's not be
embarra ed. We're all old friend it's why I called you here. And, oh
yes, to save anyone asking, what
I've told you is definite; if I
thought there was a chance it
wa 't, I'd have waited longer. The
other thing you may be wondering the
trouble is lung cancer, well
advanced I'm told. It's probable I
won't see Christmas." He paused and
suddenly all the frailty and fatigue
showed. More softly he added, "So
now that you know, and as and when
you choose, you can pa the word to
others."
Edwina D'Orsey thought: there
would be no choosing the time. The
moment the boardroom emptied, what
they had just heard would read
through the bank, and be" yond, like
prairie fire. The news would affect
many some emotionally, others more
prosaically. But mostly she was
dazed and se ed the reaction of
others was the same.
"Mr. Ben," one of the older men
volunteered. Pop Mon. roe was a
senior clerk in the-trust
department, and his voice was
wavering. "Mr. Ben, I gue you
floored us good. I reckon nobody
knows what the hell to say."
There was a murmur, almost a
groan, of a ent and sympathy.
Above it, Roscoe Heyward injected
smoothly, "What we can say, and
must" there was a hint of reproof in
the comptroller's voice, as if
others should have waited to allow
him to eak first "is that while
this terrible news has shocked and
saddened us, we pray there may be
THE MONEYCHANGERS 7
way and hope in the matter of time.
Doctors' opinio , as most of us know,
are seldom exact. And medical science
can achieve a great deal in halting,
even curing . . ."
"Roscoe, I said I'd been over all
that," Ben Ro ell! said, betraying
his first trace of testine . "And as
to doctors, I've had the best.
Wouldn't you expect me to?"
"Yes, I would," Heyward said. "But we
should remember there is a higher
power than doctors and it must be the
duty of us all" he glanced pointedly
around the room "to pray to God for
mercy, or at least more time than you
believe."
The older man said wryly, "I get the
impre ion God has already made up his
Alex Vandenoort o erved, "Ben, we're
all u et. I'm e ecially sorry for
something I said earlier."
"About celebrating? Forget it! you
didn't know." The old man chuckled.
"Besides, why not? I've had a good
life; not everyone does, so surely
that's a cause to celebrate." He
patted his suit- coat pockets, then
looked around him. "Anybody have a
cigarette? Those doctors cut me off."
Several packs a eared. Roscoe
Heyward queried, "Are you sure you
should?"
Ben Ro elli looked at him
sardonically but failed to a wer. It
was no secret that while the older man
re ected Heyward's talents as a
banker, the two had never achieved a
personal closene .
Alex Vandervoort lighted the
cigarette which the bank president
took. Alex's eyes, like others in the
room, were moist.
"At- a time like this there are some
things to be glad of," Ben said.
"Being given a little warning is one,
the chance to tie loose ends." Smoke
from his cigarette curled around him.
"Of course, on the other side,
there're regrets for the way a few
things went. You sit and think about
those, too."
No one had to be told of one
regret Ben Ro elli had Do heir. An
only son had been killed in action in
World War II; more recently a
promising grandson had died
amid the se ele waste of Vietnam.
8 ARTHUR HANEY
A fit of coughing seized the old
man. Nolan Wainwright, who was
nearest, reached over, accepted the
cigarette from shaking fingers and
stu ed it out. Now it became
evident how weakened Ben Ro elli
really was, how much the effort of
today had tired him.
Though no one knew it, it was the
last time he would be present at the
They went to him individually,
shaking his hand gently, groping for
words to say. When Edwina D'Orsey's
turn came, she ki ed him lightly OQ
the cheek and he winked.
Roscoe Heyward was one of the first
to leave the boardroom. The
executive vice-president-oomptroller
had two urgent objectives, resulting
from what he had just learned.
One was to e ure a smooth
tra ition of authority after Ben
Ro elli's death. The second
objective was to e ure his own
a ointment as president and chief
executive.
Heyward was already a strong
candidate. So was Alex Vandervoort
and po ibly, within the bank
itself, Alex had the larger
following. However, on the board of
directors, where it counted most,
Heyward believed his own su ort was
greater.
Wise in the ways of bank politics
and with a disciplined, steely mind,
Heyward had begun pla ing his cam-
paign, even while this morning's
boardroom se ion was in progre .
Now he headed for his office suite,
paneled rooms with deep beige
broadloom and a breathtaking view of
the city far below. Seated at his
desk, he summoned the senior of his
two secretaries, Mrs. Callaghan, and
gave her rapid-fire i tructio .
THE MONEYCHANGERS 9
The first was to reach by telephone all
outside directors, whom Roscoe Heyward
would talk to, one by one. He had a list
of directors on the desk before him. Apart
from the ecial phone calls, he was not
to be disturbed.
Another i truction was to close the
outer office door as she left in itself
unusual since FMA executives o ened an
open-door tradition, begun a century ago
and stolidly upheld by Ben Ro elli. That
was one tradition which had to go.
Privacy, at~this moment, was e ential.
Heyward had been quick to o ene at this
morning's se ion that only two members of
First Mercantile American's board, other
than the senior management officers, were
present. Both directors were personal
friends of Ben Ro elli obviously the
reason they had been called in. But it
meant that fifteen members of the board
were uninformed, so far, of the impending
death. Heyward would make sure that all
fifteen received the news personally from
He calculated two probabilities:
First, the facts were
so sudden and shattering that there would
be an i tinctive
alliance between anyone receiving the
news and whoever
conveyed it. Second, some directors might
resent not having been informed in
advance, particularly before some
of FMA's rank and file who heard the
a ouncement in
the boardroom. Roscoe Heyward intended to
capitalize
on this resentment.
A buzzer sounded. He took the first call
and began to talk. Another call followed,
and another. Several directors were out of
the city but Dora Callaghan, an
experienced, loyal aide, was tracking them
A half hour after he began phoning,
Roscoe Heyward was informing the Honorable
Harold Austin earnestly, "Here at the
bank, of course, we're overwhelmingly emo-
tional and distre ed. What Ben told us
simply does notseem po ible or real."
"Dear God!" The other voice on the
telephone still reflected the dismay
expre ed moments earlier. "And to have to
let people know personally!" Harold Austin
was one of the city's pillars, third
generation old family, and long ago he
served a single term in Congre hence the
10 ARTHUR HAILEY
title "honorable," a usage he
encouraged. Now he owned the state's
largest advertising agency and was
a veteran director of the bank with
strong influence on the board.
The comment about a personal
a ouncement gave Heyward the
opening he needed. "I understand
exactly what you mean about the
method of letting this be known, and
frankly it did seem unusual. What
concerned me most is that the
directors were not informed first.
I felt they should have been. But
since they weren't, I co idered it
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新用户？“钱生钱”英文怎么说？
悬赏分：5
解决时间：2007-5-25 00:12
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最佳***
钱能生钱
[解释]：
money begets money;
money breeds money;
money gets money
[参考词典]：汉英综合大词典
--------------------------------------------------------------------------------
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use money to produce money
to produce more money with money
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2007-5-14 23:35
Money makes money!
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楼上完全正确! Money makes money!
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bread makes bread
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2011 Baiduhttp://www.bagsdesignersale.com |
| 查看文章 once paid the monthly housing money
2010-08-22
joke though a bit exaggerated, but in fact it not also true? Some people say that being the case? Why do Chinese people have to buy a house? Mad buying? Why? Education is not the result of o curantism, as if 60 years, advocating that people have to buy The Big Three: watches, sewing machines, bicycles can be co idered a succe ful married wife. 70s advocate one must buy a new four parts: TV, refrigerator, washing machine, telephone equipment can be co idered is to succeed as a wife have children, remember that a few thousand dollars to i tall a telephone, but ah (per capita income of le than 200 of the town ), while Beijing Shanghai is more of a time when te of thousands, have to take the human number line to buy, and buy a house today, how can the similarities? -
all the shit today scholars began to fool the people of this set of the old trick: White-collar family of new standards, succe ful people choose X New X Road, Central, small apartment, X ring X Road, commercial and residential type. After you receive hundreds of thousands, have to charge you a monthly rent (the new property fee), bank interest, and a variety of all sorts of excuses to raise interest rates, policies and so on and so on. In short you are not afraid to death, not afraid to die you miserable! Ye on how ha y people fooled, and 100 on the tire of it? I am really angry and get it all wet!
Thus, long-term employment began to make trouble, and the landlord a little nervous, hurriedly asked cou elors how to do? Advisers said: They must notify the permanent house to be dro ed in price, do not buy, rent to live it, just rented it to them our pen, the result, so many years, long-term employment have all the money gone, also rental housing, forever! -
99% of white-collar workers in China and their families will face bankruptcy. And is bound to bankrupt! Run away! This may ha en in the next 2-10 years. You can try to doubt this figure. But it must ha en, not alarmist. 'As I predicted the Chinese state-owned enterprises must unemployed workers, as in that time no one believed. But it does ha en. Because in China, a developing country, with its inevitable to keep inflation and reform measures in exchange for economic development. Every time, the pain brought about by the reform by the common people to afford. When both the countryside and mountainous areas of the educated youth were confused, or large state-owned enterprises reform and opening up have brought about a large number of laid-off workers when they go bankrupt. If they can have a certain forward-looking, then I think they may leave a little for their own posterior. However, due to over-confident and over-confident life will not file mutation, thus causing the tragedy of their lives. -
of course some people will say: You do not even have a house to buy, ecify the node can not be married. I thought to myself: I am not, you think you have ah? Some people say that is not worth renting, rent, or others finished, hey, you think to buy a house for decades also loa paid off is your, ah ... ...
buy a house or preparing to buy a house have white-collar family home prices will colla e as the colla e occurred, that would be a slow proce . As short as two years or as long as ten years. But this is an irreversible trend. Therefore, China has 99% of urban white-collar family that not alarmist talk of a bankruptcy! Today you pay for each housing distribution to the bank for the government money is for real estate eculators fill holes, only a small part of the room is real money. Environment for a change tomorrow, you do not have much money to fill holes when the market and banks will be kicked back home, for a number of new people to then make up. Do not believe? Wait and see Bai! - PS: Why do I say that 99% of this number, because according to my understanding, once a monthly salary of 99% over 5000 people started to buy a house, or even to buy 3000,4000. What lovers do not understand that life will continue to buy badly. I just feel sad for them. Of course, if you are the 1% of the wise men, and more to persuade them to save it. Better Together alone. -
Chinese are the four big when -
second when: Employment -
described China's real estate has a famous joke is written like this: -
third when: Education -
- well-known economist in Hong Kong - Lang
when someone finally exclaiming: educated youth of the year, when people feel there is no way out after being laid off, no one can sit ignored, only thrown into the street Perso who have ridiculed the song was also heroic in life, start over time. Have you ever thought of! They also have the same scenery and white-collar today! Income and status they had let the people around envy? Have you ever thought 20 years later! Like you would like them thrown into the street deserted? !
Some say Hey! You do not know of unemployment i urance, pe ion i urance, XX I urance What? Oh, I drift in Beijing, N years, the i urance paid many te of thousands about it, but when the Pao Duantui unemployment and no one gave me Sha i urance, but many i urance policies have been frozen that I have to pay off, and I could Also ... ... it's not anger, do you think you really 60 years old to old-age i urance can get it? The sky has not lost money! Today's older we get the pe ion is earned! Today 30-40 year-olds usually have several brothers and sisters! Mea that, today, 60 years old can get old-age i urance is because there are 5 people for an old man! After we get old of this generation is the one for the two of us old people! The money come from? Did not come! If you are able to live to 90 years of age is estimated to receive a number of old-age i urance, hey You take care of it. But even so, parents are still mad for their children to state-owned units in a variety of enterprises to send, my side will always have such examples. I am home a distant relative, a friend dragged to find relatio , ending 70 thousand dollars through an open recruitment to the traffic police team sent his son to dry on the contract of the police. Get 800 a month. Competition results in the third year was down to the brush. Family crying, I said, a good brush, you earn a lifetime ban on those that do not return to 70000, and quickly wash before sleep, change out small busine es and then Minato money go! Probably can earn. -
when I graduated, I led my uncivil language is holding the money, the Department sent me to XX. I saw the man re o ible for hiring that virtue, they could not help the nausea, Zaiyi Kan salary, uncivilized language, I'm the white dry for 10 years is not only back the cost of neither eat nor drink. So I had that guy a private threat, scared the portly chief no longer afraid to admit I X. I just have to have: ru ing away from home. -
I wanted to do not understand? Chinese ye on the so foolish? Chinese characters do such a superstition? Wake up, little line of thinking is not normal? Before doing worthwhile to not do the math? -
there are those young, small white-collar workers who find work best to pay a higher point, do not want to i urance, medical i urance and Sha, and then save up your money most i urance will need it. -
buy a house mean? Mea that you have a house of their own. Yes, you are such a thought, but in China, and you can not have this house, you only rented it. Because the house is yours, not your land, but land use rights for 70 years (70 years from now it was back during the War, who saw time in the house?). House, usually about 30 years old renovation or demolition will be met. Buy a house that you end the money, but can only be renting the actual results. Of course this is not the worst. The worst is when a few years later, you find that fooled! A group of hooliga broke into your house with their life savings to buy the painting on a big Separation of Chinese! Then all of your po e io as if garbage is still out of doors, regardle of your pleading and even in the new apers to you by a notorious nail house, any time you abuse the public will know the meaning of de air! -
fourth-largest when: a car -
a diploma worth? A diploma worth? A diploma worth? Printing costs two dollars a day the top. How much salary a teacher? Hey, two students a semester tuition enough! A cla book printing cost? Two students enough! How much rent in a cla a semester? Hey two students enough. ! Hey! Education in China receive so much money you Pingsha! ? -
Hey! The people are! Why should we be deceived? Because the small ruling cla told us it was admitted scholar honor. Oh I'm sorry I was wrong, was only admitted to the University of honor. But people do not ever think about why the glory? Why honor ... ... and how the University of scholar is not waste! -
you know who your child is teaching Why? Usually can not adapt to the Chinese people will become a community of teachers, for example. A while ago I as a project between several universities to find graduate students to do procedures. Results are very few people stupid, do not you co ider you have to abandon the work before, but to a paper obviously has a elling, not to change, so you find even told you seriously, is this is not his fault , is that you give is wrong. Little se e of re o ibility,
, one would co ider whether it is to do things and do things or to do one thing and do something. I was very calm to reason with them: you must learn to think for others to think about what results you want others to do things again. Otherwise unable to survive in society. The results of a few said: we do not go to the community, we are very good examination results, schools should we stayed as a teacher. Say that again we had nothing wrong, how do you arrange how we do, do not you arranged for us not to do. This is our dignity and principles. I said: If you go to gatekeepers, the bo is not arranged locked storage when you arrive you do not lock it? You scared me? After your child is under the guidance of people like to learn and grow. What you are a ured? -
wonder now read the University of cohabitation, ski ing cla es, fighting, suicide ... ... but the parents are still willing to end money to send their children to school, and ent a lifetime money. -
Chinese people crazy? Buy a car? Why buy a car? ? ? Of course, you not only have money to end, you love how to buy how to buy, buy a car buy a house, anyway, how rising oil prices is also enough of your money, house demolition you should not feel bad. But most people do? -
I had a colleague living North Second Ring Road, where the company Xizhimen. Most of the subway to work every day the most hours. Xiali may have to buy a second-hand, every morning at 8 o'clock on the road Duzhe, then moved to the company bit by bit. Hey, have a lot of parking fees a month. Can people feel themselves to open the car as high a bit. Do not say to open a Xiali that I have not seen to open Audi who is who worship the three knock 9. In addition to look a little silly than others outside their own no other function. -
Another time, I met the girl a month income to 4000, loa to buy cars in the program. I then asked her: the little girl, I've got to do busine , their work on time, Metro and convenient to buy a car do? Like a long time, it is estimated could not think of any reason came and said: sometimes go to the supermarket to buy things right, hit another car that is not worth close to a point, then walk away for that. So, drive yourself to it! I almost did not hear nasty. You drive to the supermarket buy i tant noodles do not feel sick Why? Equi ed with cellular phones to incommunicado, is incommunicado for! Do not think buying a car can prove anything. -
example, I now own busine , very busy day, a place about 4-5 run to see a lot of customers. But I do not buy a car, why? I hit that car with the move to, kick down the left, no place to worry about parking, do not worry about hanging a touch, and without fear of being thieves tied up, regardle of rain has hung the wind driver. If bumped a traffic jam can get off the subway. Year also more than 10,000 pieces RMB! Buy a car! Parking fees had to more than 10,000 a year! What is not silly? -
Do not buy a car do not buy a car
said, there are countle people who can be mad and to loa to buy? Die in their own future must not suffer too like! Buy it, buy a finished raising interest rates has not it? Oil prices are not crazy? Parking is expe ive is not? Regret not? A road on a new car value plunges also only sell not sell? ? -
tell you that oil prices have to rise. Must be the same as oil prices rose to and dollars. Hei hei! You take the old U.S. 1 / 10 of income, su ort, and others a price of petrol. I see you do not have to Arthur. -
final say, everyone is not stupid, are small by stupefying education Jinong train of thought. Stupid is fine, but life or death thing you still tight with points, more calculating calculating the relatio hip between economic interests! Other end, a down real estate, oil price up, pay the rest of my life took the money not Shasha diploma or dry, over several decades also Shasha welfare does not exactio . You can not just post lo es of hundreds of thousands. -
What was said? Oh no way, can not live, and do not buy a car the matter, the bus crowded ah well. I said that out of all the stupefying education system is doing strange vanity. You look at me, just rent a house to live more than 1000 pieces a month, also equivalent to some property costs. If you want to get married I can afford to rent 3-4 1000, the furniture are all fully renovated. Which also convenient where I live. Do not want to move on long-term lease. And tra ortation costs are also a kind of property. Province, also in vain out of the banks loa , interest, down payment on a lot. Car hit something, all right on the subway, one year 10,000 days, and also save a garage fees, parking fees, fines pile, oil prices rose to 10 also Lehe, do not delay. I did not finish college ran away, while self-learning while pla ing to run their busine out of studying the market, also can not enter foreign listed companies What do managers? Also freeing te of thousands of tuition fees. -
ago, there was a lot to the landlord to find a lot of long-term work, the landlord to cover a number of long-term unity and floor were lived, one day, the landlord's advisers on the landlord said: owner, long-term employment are the hands of these few years a little money, they live your house, the monthly pay Zuzi, uneconomical, since they will never afford to live, do not you just sell the house since they were tricks is called - public houses for sale! Tell them that the house will never belong to them, you can take them back the past few years to save money, the landlord said: Yes, that rent how to do? Advisers said: It collects no mistake, children from a Japanese name, name of property charges! Landlords quickly implemented, make a lot of money, long-term employment are the ha y ah! -
over the years, the landlord of the village into town, and the rich more and more, no place to live, cou elor to the landowners, said: club, their long-term employment in recent years they have money on hand, we give them build a new house, called the tra formation of the old tricks from the one they switch their money to us, we pulled down the house to build a new, tell them to buy back, you can sell more than cover a number of others, and the landlord has carried out, this time, Some long-term workers are not ha y, the landlord of Jia Ding put to use, and permanent teeth are destroyed only in the pharynx to the stomach, the landlord has made a lot of money. -
A few years later, the landlord of the village developed into a big city, and the rich more, and the landlord of the land more valuable, and advisor to the landlord, said: club, we removed these permanent houses, and in this Local building villas, houses demolished to sell out to cover those who can make a wealthy tycoo , the landlord said: how do long-term workers who quit? Advisers said: Zan to them a little more money, from a monetary settlement tricks called on, we then we built a house next to the pen, from a tricks called affordable housing, they built a carriage Road to allow them to buy over there living room, the landlord said: how do they have enough money? Advisers: From our house to them before the banks by year 6 points advantage, but also nothing if money begets money cub, was not any risk, the landlord has carried out, they got the money permanent, affordable housing landlords until now built a long-term employment they had to line up the house, until now, still waiting for it ... ... -
Some people say that the Government will not sit idly by white bankruptcy, the Government certainly do not want. Some things ... ... how can I say. Think about it then laid-off workers. Caused so much social unrest. Can do? Today's white-collar workers will become bankrupt, they also did it. -
and 20 years of reform and opening up, China's rapid economic development take off. But the old system did not completely change. Variety of important industry remai in force is a government monopoly system in operation. Such as: banking, finance, metallurgy, energy, information, tra ortation, health care, education, land. China's reform and opening up of these things can not carry out all a ects of the reform and opening up. But today, the contradictio brought about by the monopoly is increasingly prominent. -
bear the brunt of that property. As China's legal system is not perfect, e ecially the field of finance and reform, all kinds of mistakes made by the emergence of real estate has been rising. With the increase in real estate and the concentration of foreign population to large cities. Therefore, new urban migrant workers is the so-called 'white-collar workers' income is rising on the surface, to Beijing, for example a monthly salary of RMB 3000-15000 everywhere. But this part of the income is mainly used to pay rent, or loan repayment. -
To better understand why the 99% of white households bankruptcy, we must first understand why house prices so high? Where high? Funds are functioning? (Here, white-collar families that buy a house buy a house or prepare.) And the development trend of related effects. This article will explain to you in three stages. -
1: prices soared, leading to the first factor: bank loa under the open competition. -
In fact, home prices soared, because the main factors for people in the government pay for the mistakes. Example, a previous developer through a bank loan of 10 million developed a house. If he does not play that bad luck, because all the banks are a system, you owe the money did not stand up also never the o ortunity. But China's banking reform on the basis of a hole in the open, to competition between the banks so the ICBC, Agricultural Bank of China, Co truction Bank of China and so on all operate independently. This is a good thing. But the problem is that these banks are not private, but the country. Is not difficult to imagine. When a developer from the bank loa to 10 million results. He only need 5 million to develop the house, and then raise prices, then the development of the price of the house according to his standard mortgage loa to 20 million from the ABC again, and then use that 20 million of 10 million development of a higher house prices set to come CCB 40 million mortgage loa . Is a owball's crazy lending models. -
house you serve to go out is not important, the key is to price higher, not lower prices. Anyway, money is not a private bank, so there are little things straightened out in addition president 'legitimate' high retail price of real estate as collateral so naturally getting better and better from bank loa . -
so this result is that house prices do not just climb down! Because they can not fall! Or bank loa out of a paragraph on the figure. This is but the government banks, government money! Therefore, in order to block the funding black hole is to buy some of the experts, media, public opinion began to madne by various mea of coercion in public opinion, people are buying a house. -
such as land resources are seriously strained, do not buy a house in the future can only live in the subur Yeah like. Cause people had to buy a house. In fact, can not live in this city that never ha en, urban residents is a proce of replacement of old and new, to live in the city to work, the elderly live in rural areas like retirement. As long as the population explosion will not occur without working people can not live in the center of the situation. Although these media created a lot of people buy a house, but only so, prices are still not high as it now is ridiculous. Then the Government has committed a second error. -
2: prices soared, leading to the second error: a mortgage with Chinese characteristics. -
mortgage was originally a very popular system in the West, are just right. But this is to be a lied to China on a little problem. Because for large i titutional. All banks are state, not private. Therefore, loa can not control is maintained in this barrier. As long as the document justify, it can credit to the article. -
first error for the early relief funds brought the black hole. Government began to implement individual mortgage system to house sales. What also often cite the United States to his wife and the Chinese woman's example to lure people to the mortgage. Indeed it was the mortgage, and it is crazy mortgage. And banks as long as a little 'road' people. They first mortgage of a 800,000 house, your down payment and then a 100 000 700 000 loan from the bank. Then raise prices after the house sale to 1.8 million. This time their relatives or dad mom go buy, but also with their own out of the way down payment mortgage 300 000 Bank loa and from 1.5 million. And then not care. They do not how to do the loan? Love Do not count bank. Anyway, I'm not on the money under the contract, you can take the house, we owe the two incompatible. -
it tur around, driving up the price of the house several times back in the hands of the government back to the bank. This explai why so many new flats has just started a course was 'real estate eculators group' bought. Speculation is not gambling their house will a reciate. It took a house to clean up banks. -
banks how to do to get this house? Are afraid to cut. Price and then sell only plus point. So ordinary people are not really even think about buying a house at reasonable prices! Even if you bought directly from developers or houses might have switched hands several times back in the hands of the banks and developers. To say something is 8,000 / square house, with only the 2500 is the price, there are 5,500 funds that decision errors caused by the black hole! That mea you are restricted to the hard working to the backside. -
3: The third i ue: when white-collar families bankrupt? ? -
then we study why the house prices up, again look at the so-called white-collar families in Chinese cities bankruptcy is inevitable. -
first foreign white-collar income is really high, but high value. The so-called white-collar workers in China are generally poor quality. Chinese enterprises serious internal friction. All with light, all stu orn. No wonder foreign companies entered the Chinese market began to exclaim: 'to do busine in China can not attract new people! 'I am also deeply understands. That someone would say: 'Now is not worth the white-collar worth it Mizuki Zhou Ping,
, please tell me why they can get such a raise? 'In fact, as a result of the real estate hot quantum effects. Banks lost a lot of money through the hands of a few flows to the market. These people began to make aggre ive investments in other areas of China. Because they knew the real estate about to crash. They do round after round of investment boom is rapidly a orb the funds, they invest in the Internet, high-tech investment, investment and entertainment, investment many, many. But at least enough to pay wages to employees or pay the monthly rent on a house for it. Therefore, it is because of rising house prices has created the relative wage levels in China to upgrade urban population. You do the math you do not believe the city where the average income of white-collar workers, once paid the monthly housing money, how much will be left hand? I think this question I need not wordy i tead. Psychological several people. So I can say that the real estate crash that followed the colla e of your wages. -
many, many white-collar workers who I know have purchased a house. Their thinking is simple: 'The couple opened a variety of revenue i urance, except net income per month is also 12000. What kind of money to pay 3000 house? I can buy a set too! 'Yes, nothing. But because the house so what you are expe ive. Your food,
, tra ortation expe ive tuition fees, medical costs more expe ive! ! ! So you pay money for the room and then open the cost of living than a pe y to basically save for it, even if the deposit point is also not keep up with normal inflation rate. The question is if the status quo has been maintained, then theoretically, should be all right. You're twenty years earned money just to make up for the lo of two errors. -
but the problem out here. With the end of WTO5 years grace period, a large number of foreign communicatio , banking, medical, i urance and so the company will soon enter China. By that time no one can stop you money in Citigroup, HSBC deposit. Who does what at that time willing to put money in so many bad debts, bad debts of state-owned banks? How to take measures even if the Government could run, so what ha e now that time is hard to say. But one thing is certain is that when the pre ure of Chinese state-owned these banks will become very large. Loa will be difficult to be added, because the banks have no money to loan-to! At the same time a large number of foreign-funded enterprises with high-quality talent to enter the Chinese market will bring a strong impact and the colla e of a large number of existing enterprises as well as white-collar unemployment. That is. Once the foreign-funded enterprises to enter the competition, China's existing 99% of white-collar workers will face big job under pre ure! -
but once the accumulated funds of foreign banks began investing in real estate, then it is normal operation as they made out proce so the house will be cheap, must boost its national real estate dro ed sharply. As I said earlier, prices have fallen, or is followed by the busine in your wages! Can you buy a house before the repayment will not lower prices or reduced, so you will not be able to afford loa . Then your house will be confiscated bank, your deposit will be directly freeze. Therefore, China's future urban white-collar workers are most likely and a few decades ago as China's state-owned enterprise employees. Hard two decades, the end 竹篮打水一场空! -
how to avoid bankruptcy? -
to see where you should be aware, do not buy a house is a good way to avoid bankruptcy. But I would also like to remind you not to push up property prices fall, they have a way to encourage people not buy a house that is not a hu and on the child! You Do not say that this really little effect. A population who are now the first sentence is: 'do you have room. 'You did not seem the same room is a eunuch. I am really angry with the strength to curse no. There are weeks in Baidu Mizuki level posts it in this post said: 'do not buy a house do you live? 'I was strange, there is a co ection to live and buy it? In China, a land not belonging to your house to sell you, and leased to you What's the difference? (Laughs). Not to mention the bandits who, like property and improper person to forced evictio ! This is not purely a 'Emperor's New Clothes' it? But since the WTO have mentioned that the Chinese publishing industry and the media industry is still not open. Then public opinion will become a government bailout and developers in the hands of the final trump card. -
so we face a lot of time or his rhetoric more than half a brain. Property after a pack of lies we hear more and more, more and more outrageous! For example recently the brick home not expe ive in price when the advocate said: 'What if salary 50000, The couple is also the year of 100,000, 5 years on 500 000. So house prices certainly are not expe ive. 'I am surprised that still people nod? Perha for this or has evolved to eat or drink these patients do not wear no fixed and father and mother died not long ago of brick home with maintenance so it might really matter. Therefore, attention to vigilance. -
Conclusion: -
largest when: real estate -
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