{"resolved":true,"match_type":"uuid","source_type":"original_book","book_id":"5aba73df-238c-4ba0-bd59-c6ff3e9099f3","title":"虚拟资本：金融怎样挪用我们的未来","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787300330303","requested_by":"printed_page","book":{"source_type":"original_book","book_id":"5aba73df-238c-4ba0-bd59-c6ff3e9099f3","id":"5aba73df-238c-4ba0-bd59-c6ff3e9099f3","uuid":"5aba73df-238c-4ba0-bd59-c6ff3e9099f3","title":"虚拟资本：金融怎样挪用我们的未来","normalized_title":"虚拟资本金融怎样挪用我们的未来","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787300330303","isbns":["9787300330303"],"parsed":true,"ai_readable":true,"document_type":"book","page_count":236,"navigation_url":"https://workshop.closeclaw.top/ai/book/5aba73df-238c-4ba0-bd59-c6ff3e9099f3","title_url":"https://workshop.closeclaw.top/ai/title/%E8%99%9A%E6%8B%9F%E8%B5%84%E6%9C%AC%EF%BC%9A%E9%87%91%E8%9E%8D%E6%80%8E%E6%A0%B7%E6%8C%AA%E7%94%A8%E6%88%91%E4%BB%AC%E7%9A%84%E6%9C%AA%E6%9D%A5","fixed_page_url_template":"https://workshop.closeclaw.top/ai/book/5aba73df-238c-4ba0-bd59-c6ff3e9099f3/page/{printed_page}","path_api_url_template":"https://workshop.closeclaw.top/api/ai/book/5aba73df-238c-4ba0-bd59-c6ff3e9099f3/page/{printed_page}","read_url":"https://workshop.closeclaw.top/api/ai/read/5aba73df-238c-4ba0-bd59-c6ff3e9099f3","page_url":"https://workshop.closeclaw.top/api/ai/books/5aba73df-238c-4ba0-bd59-c6ff3e9099f3/page","search_url":"https://workshop.closeclaw.top/api/ai/books/5aba73df-238c-4ba0-bd59-c6ff3e9099f3/search"},"page":{"printed_page":"三 / 99","pdf_page":137,"physical_index":137,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"7ee713357757db4e5c38a0dde7ded8ec2b1d2d9c2341ece1d8911095cff9623f"},"chapter":"虚拟资本金融怎样挪用我们的未来","content":"自20世纪70年代以来，主要富裕经济体的家庭负债率大幅上升。在这些国家中，每个国家的家庭贷款额相对于国内生产总值都增长了一倍或两倍（见图6-1中的相关数据）。在日本和德国，这一上升趋势在21世纪头十年初被打断。请注意，在危机前夕，英美国家的家庭负债相对于国内生产总值的水平特别高，接近国内生产总值的100%，随后出现了快速收缩。\n\n随着家庭负债的增加，无论是用于住房、学习、购买汽车等耐用品，还是用于即期消费，转让所得利润也随之增长。消费信贷是这一趋势中最引人注目的做法之一，专业公司以高利贷利率运作。截至2014年4月，法国领先的消费信贷公司Cofinoga的实际年利率为19%，而欧洲央行的再融资利率为0.25%。这一现象也表现为家庭过度负债，家庭收人已不足以偿还对债权人的欠款。由于失业率上升等原因，这一现象已大大加剧。在法国，负责解决这一问题的法兰西银行（Banquede France）委员会记录的破产案件数量从 20 世纪 90 年代初的6万件上升到2007年的15万件，2012年继续超过20万件。\n\n三\n\n第六章 金融利润从何而来？\n\n99","previous_page":136,"next_page":138}