Wednesday, November 10, 2010

窮得只剩下錢

見到美國聯儲局再度出手,一拋6,000億美元(約4.68萬億港元)買國債,就立刻想起一本由王陽明牧師所寫的著作《窮得只剩下錢》,看似互相矛盾,卻又準確地形容當下的美國經濟狀況。

今日美國大灑金錢,市場估計,政府債務淨額對比國內生產總值(GDP)比重,將由09年的58.3%,大增至66.16%,升幅約7.86個百分點,對比日本和意大利的相關比重已經超過100%而言,當然會覺得比重「相對」較低,但作為全球最大經濟體系,國債其實已高達13.7萬億美元(約106.8萬億港元),按美國統計署指當地最新人口為3.106億人計,即平均每名美國人請拿4.41萬美元(約34.4萬港元),幫手填氹。

有趣的是,美國財政部向國會提交的報告預測,直至2015年,國債規模更高達19.6萬億美元(約152.88萬億港元),簡直已到達「Too Big To Fail」的地步,債仔比債主還惡。面對只剩下一堆美元之際,世界銀行行長佐利克突提出用金本位制度,無疑向金價火上加油,續挑戰高位。可惜的是,今日黃金存量能否應付貨幣供應之巨大需求,恐怕大家心中有數,或許這位行長先申報,有否持有黃金相關的投資產品呢?

面對這種困境,大家都要自保,朋友昨日表現得小心翼翼,細問之下,方知他變身做「解款員」,㩦著大量現金去買金也。佢話早前已買了兩両金保值,眼見資產價格續升,故再走去周XX添多四両,奈何金行規定,不收信用卡,亦拒絕用易辦事買金,只好排隊提款後,按牌價13,370元計,盛惠53,480元,換來的只是兩枚5元硬幣般大的金塊。朋友又話,金行更會在銀行營業時間方出售實金,或許想專注價格變化吧!由於金價愈升愈有,根本難以估頂,恐怕這種「解款員」在街上不少,希望他們小心低調行事,以免因小失大。

另一種情況就是資金氾濫,銀行要找出路,像禤中怡這種非專業人士,竟也被銀行看中,致電邀請借稅貸,兼且免提交文件云云,總之一切從簡,但求完成任務。銀行職員提出可借金額已嚇禤中怡一跳,始知自己的「信譽」那麼高,但隨口再問,如果借10萬元的話又如何,那位職員迅即回答,實際年息僅3.2厘,即全年利息支出1,700元,兼再送兩百大元超市禮券,意味淨利息支出才1,500元,每月利息豈不是才125元!

在整段對話中,職員從未問所繳稅款等詳情,反映借錢交稅為名,實際希望客戶多多益善,而客戶本身如用該貸款作投資,若每月回報高於125元,便算無本生利了,試問心軟一點的話,怎會不成交。

其實,《窮得只剩下錢》談到大家有兩條路要走,生活的路是追求衣食住行、功名富貴;而生命的路是追求平安喜樂、永恒的歸宿。如生活富有,而生命的路貧窮,即使豐衣足食,卻只會不安空虛,掉入「窮得只剩下錢」困境,相信一邊保值,一邊要尋平安了。

(於11月10日刊於《am730》)

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