林修の今でしょ!講座|銀行の儲けの秘密は行内にお金を置かない事!?

※林修の今でしょ!講座 2014年4月8日放送分より

この番組は普段教える立場の林修が、
普段知らない世界の事を、
その道のプロから学ぶ番組である。

今回のテーマは「お金」。

お金のプロ・スペシャリストが、
意外と知らない、
お金に関する秘密・疑問を徹底解明する。

講義内容は「銀行」。

我々にとって身近な銀行。

その裏話を教えてくれる先生は、
元銀行員・銀行取引コンサルタントの上田真一先生

上田真一先生は、
これまで1000件を超える融資案件をまとめた、
実績を持つお金のプロである。

前回は「銀行の金庫をチェック」の記事に掲載。

銀行の儲けの秘密は
行内にお金を置かない事!?

銀行の行内には実は数千万円程度しか、
保管されていない。

なぜ、
数千万円しか置かないかと言えば、
金庫の中で現金として保管しておくと、
その現金は当然ながら、
その現金分の価値しかない。

しかしながら、
銀行としては、
そのお金を現金のまま保管するのではなく、
中小企業に融資して、
利息を貰う、
あるいは国債を買ったり、
株の運用等で収入を得ているのである。

このように運用する事で、
利息収入を得ているのである。

つまり、
現金で極力持たないのが、
銀行の儲けのシステムなのである。

続きは「銀行の防犯対策」の記事に掲載。

レビュー

確かに現金を預かるだけでは、
銀行は利益を全然あげられません。

せいぜいお金の入出金にかかる、
手数料位になってしまいますからね。

そしてだからこそ、
銀行は黒字倒産というリスクもあります。

ようは会計上は黒字だとしても、
手元に現金がないので、
貸していた会社が相次いで倒産してしまうと、
回収出来ないので、
債権(お金を回収する権利)はあるのに、
倒産してしまうという事になるのです。

また、
銀行の元に大量の現金がある訳ではないので、
デマ情報などが流れ、
預金者・貯金社が一斉に預金・貯金をおろした場合もまずいです。

運用するお金が無くなり、
そちらお倒産してしまうリスクがあります。

もっとも銀行が潰れると、
日本経済に与える影響は少なくないので、
日本政府が助けに入るとは思いますが。

オススメ関連記事

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