銀行っていっぱいお金もってるんですね

小さい頃からの疑問なんですが、振り込み手数料って何でかかるんですかね？

例えば私がＡ銀行を利用してＢ銀行に振り込みをするとします。

この場合、私はＡ銀行に対して振り込み手数料を何故か取られる訳なんですが、実際はＢ銀行からＡ銀行に対して決済代行手数料が支払われています。つまりＡ銀行は振り込み人から手数料を取りＢ銀行からも手数料を取るわけで、つまり二重取りです。振り込みをすればする程銀行は儲かるのです。まぁ逆に振り込みばかりされると儲からないんですが、口座にお金がいっぱいはいってくるので資産は増えます。実際海外の銀行では一般的な振り込みに手数料は当然ながらかかりません。

ただし、海外の多くの銀行では一定の預金金額がないと口座維持手数料というものが取られます。

が、日本の銀行は、口座維持手数料が必要な口座でさえ振り込み手数料が取られます。意味が分かりません。全く持って不可解きわまりないことです。

なぜ米国で金融不安が起こっているのかというと、貸し倒れた不良債権が山積みになっているからなんですが、日本の大手銀行はこの不良債権を税金を使って放棄しています。しかも銀行が借りるお金は金利が「ゼロ」。

そうやって、勝手に商売に失敗して出来た借金は関係ない国民の税金で帳消しにして、庶民や企業には高金利でお金を貸し出し、その割には自分たちは金利ゼロでお金を借りる。さらに預かっているお金には利息は付けずに、運用益は全て自分たちの懐に。

そうやってこつこつ貯めた、というか実は前から持っていたらしい9000億円をポンと出してモルガン・スタンレーに出資した三菱なんたらUFJ銀行は、米国西海岸地域で地銀最大規模のユニオン･バンク･オブ･カルフォルニアをTOBにて買収しています。ついでにアコムの株式もさらに買い増して完全子会社化を着々と進めています。

銀行がサラ金買収して何考えてんだか・・・。呆れます。

お金いっぱいあるところは違いますなぁ～。余ってるから使いたくて仕方ないんだろうね。

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