26/12/2020
喜歡經濟學的 略評 #金管局 網劇《 》
(Please scroll down for English)
:分別來自浸大、理大及中大(排名不分先後)的四位 ITB STEM 冬季實習主任,分別就其工作內容進行準備。呢集張貼他們的相關分享:
文/Thomas@CUHK
編/新丁S
1. 你覺得套劇好唔好睇?真心。
講真就唔太好睇,情節好 #教育電視;重要短過教育電視,內容好難表達得好。
2. 就住劇集所分享的知識,你有何簡短補充?
* #假鈔:我本身唔識,算講得清楚,不過都係好硬銷。
* #轉數快:又係衰劇情 —— 有乜可能一個財金人會唔知/無用過轉數快?資訊上,我無咩補充; #即時支付結算系統 有聽過,唔算熟;主要想講嘅係,好多人而家都係用電子銀包進行電子支付;估計轉數快應該好快會完全被取代。
* #聯繫匯率:講得幾好,主要用語都有講解。如果想知多啲,可以一齊研究下,呢樣我算熟。(按:歡迎自行聯絡作者熱烈交流)
* #銀行密度:講真,本身無特登留意;不過真係有好多長輩唔識/唔肯用 #自動櫃員機 。例如有認識既前輩,覺得自動櫃員機唔安全,識用都唔用。但呢個情況,應該會隨範式轉移及世代更替而減弱,甚至消失。
* #銀行系統:銀行體系的確環環相扣,有好有唔好。好嘅係值得信任,壞處係當太多人信任銀行系統,咁一「有事」,就好大件事,例如 2008 年雷曼兄弟迷你債券事件(現時德意志銀行都做緊類似嘅野,希望唔好爆;如果唔係,殺傷力一定大過當年)(如果想了解多啲,可再講)。話說回頭,呢啲系統性風險好難避免,除非本身無系統可言。亦正因如此,會有 #加密貨幣 嘅誕生(又係一個大題目,要講有排講)。
A Brief Review on 's Web Drama by a Fintech boy who loves Economics
TL;DR: The Fantastic 4 ITB STEM Intern Officers from , and are at Sundance. We would like to take this liberty sharing their brains on some current happenings from time to time.
Text/ Thomas@CUHK
Edit/ Sunnie
1. Do you think STEPS is a good drama?
Frankly, not so good. The plot is similar to Educational Television ( ), yet each episode is shorter. It’s difficult to express any complex idea.
2. With regard to the knowledge shared in the series, do you have a brief supplement?
Counterfeit bank note: I don’t know much about this, but that episode looks like an ad to me. More of like, hard-selling.
Fast Payment System: It disappoints viewers on the plot again – how come a finance worker hasn’t used or hasn’t heard of ? In terms of the information it introduces, I don’t have much to add. I did hear about the Real Time Gross Settlement ( ) system, but I am not familiar enough with it. In addition, many people are using the electronic wallet for electronic payments, and I believe that FPS will soon be replaced completely.
Linked exchange rate: The content is good with information well-embedded in the plot. The professional terms were well-explained. FEEL FREE TO CONTACT ME to discuss more on it as I am quite familiar with it.
Bank density: To be honest, I didn’t notice this issue, but there are many senior citizens who don’t know how to use the ( ), or even worse, resist using it. I know a senior who resists using the ATM as he thinks it is not safe. However, this situation should weaken or even disappear as the paradigm shifts and generation changes.
Banking system: The banking system is indeed large and complex, and all banks are interdependent. It's like a double-edged knife. The bright side is this can make the banking system trustworthy. But the downside is as many people trusted the system, it can go really south if the system gets into trouble, just like the bankruptcy of Lehman Brothers back in 2008, while the Deutsche Bank might have similar situations right now. Let’s hope things don’t go the same way as history, otherwise it can be lethal. Despite that, this kind of systemic risk is hard to avoid unless there is no system at all. And that’s exactly why was created - yet another big topic, I can't include much detail in just one short post.