【每日阅读训练第四期——速度越障22系列】【22-04】经管 Shadow Banking

wangziann

各种看不懂。。。金融知识扫盲中。。。
1-368-2'28''
Credit growth shifted from the traditional banking system to shadow banking system.
This shift lead to the competetion between bank deposits and money market funds.
These change bring many beneficial changes but also make the regulatory unavailable when crisis struck.
2-386-2'27''
Different situations under bankruptcy for the creditors. Case of bankruptcy of Lehman in 2008 crisis.
3-331-1'47''
For case like Lehman the goverment's response was necessarily ad hoc,but it is improtant to make sure that regulators have the tools to deal with crises when they do occur.
4-315
IOUs in shadow banking have the problem of unstable.
5-284
Insurance might cause the company to take foolish risk and shadow banking's IOU should be taken to make the loaning market more stable.

百合倒影

3:26
3:13
2:32
2:01
1:58
8:11
main idea: the shadow-banking in China
structure:
-the condition of shadow-banking in China
-something about WMPs used by China's banks
大概也许是这样的吧。。。今天各种看不懂>_< 金融神马的。。。
总之谢谢小杀童鞋~

qi7ip

3:06 看不太懂
3:35
law profibit the insolvent insitution from make derivative contracts
however,in the case of BS and others ,the conservors  are helping them to make derivative contracts to minimize the damage
2:09
Banks and financial companies tend to die in one of two ways
the banks will loss deposit of investors and government
but the shadow banks will asorb short-term funding resemble deposits
2:05
Deposits cause some trouble ,the ious also have some trouble
ious should be limited
1:39
deposit insurance is need for IOUs to enhance the stability
but deposit insurance will make institution ignore the potential risk
P support long-term funding,absence of insurance
C another approach:sound collateral
7:16
shadow bank is risky,it is a syptom rather than a disease
WMP! There it is 后面看不太懂了

Alined

1 2:15.8
The traditional bank system has shift to so-called "shadow banking system". The shadow bank brought not only beneficial changes, but also serious problems to credits..

2 2:14.4
The new bankruptcy policies are quite inefficiency and unfair. Some other measures are hoped to be taken to minimal the correlative losses.

3 1:55.7
The bankruptcy of Lehman is quite a lesson, but there's noting we could do for forbidding this kind of failure. Since it's difficult to predict or stop another economic crisis, nonbank institutions is the most important regulatory change that could be made.

warm up 1:22.5
A bank may be died because of a "cancer" or "heart attack". But the new form bank- so-called shadow bank - maybe not.

4 1:35.6
The shadow bank face the same problem with the ordinary banks about the IOUs and the problem is difficult to be solved. One solution is that set limit to the firms could use the short-term IOUs.

5 1:20.6
The limit above may lead firms to rely more on long-term debt instead of short-term debt. The insurance for IOUs may enhance the stability, though, it may cause a company to take risks. After all, it was a last-long and tricky issue.

Obstacle:
warm-up 1:01.5
obstacle 5:31.8
It's hard to micro business to lend money and raise funds. It's hard to balance the risky and safety.
Why the shadow banking system is exist.


...白学管理学了，简直都看不懂。啊好想死。昨天刚觉得文章见短今天就又长又看不懂...但仔细想想要是考场上全是经管是不是要去一头撞死...

墨夕

03: 29
03: 34
03: 17
04: 11
03: 34
13: 47
第一次跟队，好费劲啊。。。

flonacui

warm up 43''
Like the great depression, the economic cirsis has brought many attention from the people. Some commentators critisized the government for not having effective measure to regulate non-bank credit providers.
1 2'54''
The shadow banks become more widespread nowadays, because the public does not have efective tools to regulate these banks, the danger has surfaced.
2 3'07''
3 2'05
A resolution is needed to solve the crisis.
中间那个一会儿看

warm up 1'46'' Joe Zhang is in the shadow banking in China
越障 6'08''

虽然是金融专业 可是new yorker和the economists上的文章好难读 还是自己能力不行啊。。。

yhspark

发完看中国好声音

速度：
2'31
2'10
2'23
2'18
1'58
越障：
1'46
shadow bank is beginning in China
5'40
-problems in financial to small firms
-how shadow banks work
-problems and how to solve
不少单词不认识啊。。

Jonathanluck

2:28
2:44
2:06
1:46
1:40
越障6:56

AbbyShuai

Speed
2'49 function of traditional bank.....shadow banking system makes the shift from short term loan to long term loan..
2'44
2'15 suggestion for preventing such financial crisis from happening again
1'47 similarities and differences between normal deposits and  IOUS...risk...firms as evidence...constraints are needed in shadow banks
1'40 different people give different ways of solving the problems of shadow banking systems....
obstacle
7'36
China's shadow banking system...how it works and its characteristics and problems...WMP sold through bank disguised as normal deposits..influence on bank and on customers...problems

lillianyang

表示金融专业的孩子各种看不懂神马情况
恶补金融知识
作业：
2‘58
2’49
2‘07
1’14
1‘34
6’29