Я лично не стал бы доверять банкам, которые попытаются использовать старую парадигму частичного резервирования в биткойновой экономике.
Если и будет потребительское кредитование, то только со 100% резервированием.
При 100% резервировании не может быть кредитования, поскольку кредиты берутся из депозитов. В реальности частичное резервирование относится к вкладам до востребования и текущим счетам, поэтому даже если исходить из того, что полное резервирование также будет относится только к этим видам пассивов, то такая парадигма ничуть не лучше старой (в новой биткоин-экономике)... |
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хиромантия херомантия
Исправлено. Исправленному верить |
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к, объясните ваше понимание наличности на базе криптовалюты. Как вы собираетесь рассчитываться где-нибудь в глухой тайге с аборигенами, где даже слова "электричество" не слышали (не говоря уже про интернет и всё такое)...
В тайге знают про ЦБ РФ? Могут узнать в будущем и про частный гейтвей-эмитент, который будет менять монетку с голографией/банкноту с водяными на криптовалюту и обратно. Может кому-то там в тайге и клиринга с головой хватит, одни монетки/банкноты в течении жизни в руках и подержит (в суперконсервативных племенах). Ну да и пусть. Это точно, нет в жизни счастья без нала и обнала...  |
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На последний вопрос как раз таки есть давно известный элементарный ответ... Да знаю я что ответы есть - это я так, чтоб мысль в голове начала развиваться, может интересно кому станет ознакомится с данной темой своей головой. Да? Ну и какая ваша версия - кратко в двух словах?  |
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I also just sent out all remaining payment requests which came in late.
Thanks all for participating this month! Be sure to sign up again for this month!
We will soon be incorporating higher payouts for those who have been loyally advertising with us for extended periods of time!
Thanks. I already join your signature for a few months since 1.2BTC for 2500 post or something like that Nope it was 1.2btc for 1200 posts!! Pity, I was a month late (had been only for a week on those old good terms since registration, lol)... |
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In this case, the problem (or fear) is still there (as you say yourself), i.e. does the bank actually have those deposits? Full reserve banking doesn't change a thing here (it is all psychology, lol)... So you say. Are there many runs on public storage facilities? What do you mean by public storage facilities? According to the article on Wikipedia, "the rented spaces are secured by the tenant's own lock and key". Your analogy is lame at best... What does it have to do with banking? The only thing which comes to my mind is renting deposit boxes (though the analogy is also lame). And yes, Bank of America (if I'm not mistaken) has been caught secretly and unlawfully drilling open the deposit boxes of their clients. A good reason for a deposit box run, lol... |
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In this case, the problem (or fear) is still there (as you say yourself), i.e. does the bank actually have those deposits? Full reserve banking doesn't change a thing here (it is all psychology, lol)... So you say. Are there many runs on public storage facilities? What do you mean by public storage facilities? Just can't fancy one... |
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You are talking about full reserve banking preventing at least some of the bank runs. The definition you've provided says that the cause for bank runs is based on the fear of losing depositors' money. I don't actually see how this type of banking can extinguish such fears from arising... When you store something at a warehouse (not necessarily money, lol), your stored items can still be stolen, damaged and whatnot...
I'm surprised you don't see it. Skeptical, even. Indeed, you could try to get away with saying that those reserves are not stored in the bank itself (since those reserves are usually held as deposits in the bank's accounts at the central bank), but could we call this system banking in the first place (even warehouse banking) when all depositors' money is actually held at the central bank? I'm not sure what you're saying. I just think it's obvious that people are going to be more trusting that their bank is going to be able to give them back their deposits if the bank actually has those depositsIn this case, the problem (or fear) is still there (as you say yourself), i.e. does the bank actually have those deposits? Full reserve banking doesn't change a thing here (it is all psychology, lol)... |
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You are talking about full reserve banking preventing at least some of the bank runs. The definition you've provided says that the cause for bank runs is based on the fear of losing depositors' money. I don't actually see how this type of banking can extinguish such fears from arising... When you store something at a warehouse (not necessarily money, lol), your stored items can still be stolen, damaged and whatnot...
I'm surprised you don't see it. Skeptical, even. Indeed, you could try to get away with saying that those reserves are not stored in the bank itself (since those reserves are usually held as deposits in the bank's accounts at the central bank), but could we call this system banking in the first place (even warehouse banking) when all depositors' money is actually held at the central bank? What is left of a bank in a bank then? |
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I also just sent out all remaining payment requests which came in late.
Thanks all for participating this month! Be sure to sign up again for this month!
We will soon be incorporating higher payouts for those who have been loyally advertising with us for extended periods of time!
Sounds promising (been here for 4 months already) |
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Sorry, didn't notice your answer in time Actually, it is you who are theoretically right (in assumption that 100% reserve banking prevents most bank runs). But lol, you don't know human psychology. Even if all the money is said to be there (in the money warehouse), why should they, depositors, believe it in the first place, and not try to withdraw their money as soon as possible in the second, e.g. in the case there is "fearing that their bank warehouse will be unable to repay their deposits in full and on time"? Holy crap, even if the money is there, it still may not prevent from the crowd going wild... Well, in the case of Bitcoin, when the warehouses are properly implemented using split keys, because it can be proven that it's still there.  Anyway, how about some bank runs. Do you agree that full reserve banking would prevent some bank runs?I mean, I already disagree with you, but I just wonder how much. You agree that at least some bank runs are caused by actual rational fears, right? You may disagree as much as you like, but you just can't deny the simple fact that even 100% reserve banking (or warehouse banking) can guarantee you that a bank does actually have the money depositors trusted it with, lol... Sure I can. But that's not what I was talking about anyway. You are talking about full reserve banking preventing at least some of the bank runs. The definition you've provided says that the cause for bank runs is based on the fear of losing depositors' money. I don't actually see how this type of banking can extinguish such fears from arising... When you store something at a warehouse (not necessarily money, lol), your stored items can still be stolen, damaged and whatnot... |
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And yeah one suggestion , ur thread should not state "Why Bitcoin is ultimately doomed to fail" it should be "Is Bitcoin ultimately doomed to fail?"  . It is just not doomed to fail . It will do much better than we think. Also take a look on my news thread. https://bitcointalk.org/index.php?topic=475397.0Well, it may fail even faster than that (looking at all those closing exchanges and their owners running away with the traders' money)... |
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Sorry, didn't notice your answer in time Actually, it is you who are theoretically right (in assumption that 100% reserve banking prevents most bank runs). But lol, you don't know human psychology. Even if all the money is said to be there (in the money warehouse), why should they, depositors, believe it in the first place, and not try to withdraw their money as soon as possible in the second, e.g. in the case there is "fearing that their bank warehouse will be unable to repay their deposits in full and on time"? Holy crap, even if the money is there, it still may not prevent from the crowd going wild... Well, in the case of Bitcoin, when the warehouses are properly implemented using split keys, because it can be proven that it's still there. Anyway, how about some bank runs. Do you agree that full reserve banking would prevent some bank runs?I mean, I already disagree with you, but I just wonder how much. You agree that at least some bank runs are caused by actual rational fears, right? You may disagree as much as you like, but you just can't deny the simple fact that even 100% reserve banking (or warehouse banking) can't guarantee you that a bank does actually have the money depositors trusted it with, lol... |
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Отличие пузыря и пирамиды, можно уловить здесь:
Надёжно отписался, лол... А сам-то что думаешь, почему всё-таки биткоин-то не пирамида? Или всё же пирамида?
Вы не уловили разницу в этих двух определениях ? Ну ничего, потом как нибудь. Ваше кунфу круче определение лучше. Успокойтесь. Понятно, записываем биткоин в пирамиды! Если вы этого не понимаете - печально... И где же ваше чёткое отличие? Влезу в вашу душевную беседу. Для себя надо определить, для начала, что на данный момент что не есть пирамида в этом мире. Почему в пиндостане контора из двух компов и двух стульев может стоить дороже нефтяной компании имеющей заводы и пароходы? Почему сраный фейсбук смог выпустить непонятно чем обеспеченые акции на рынок? Чем будут эти бумажки если завтра война? Или просто биржевая паника? Это не есть пирамида? Почему как только надо поднять гос.долг сша, то-есть тупо выкинуть в обрашение еще куеву тучу дензнаков, где-то должна начаться война? Почему когда вы захотите тупо поесть во время этой войны вы отдадите все золото и квартиры которые у вас есть? А кому вы их отдадите? Почему Россия прощает какето там долги аборигенам а пиндосы тупо отжимают предприятия и ископаемые? Тут форума не хватит обосрать всю систему в которой мы живем. Была одна страна в мире не пирамида - называлась СССР. Но в ней людям платили по должностям а не по способностям, все способные валили или просто тупо разочаровывались быть способными. Развелась гниль и уничтожила страну. Вот вам интересный факт, поишите в интернете про кризис в сша в 80-е годы. И где сейчас были бы сша если бы гниль не развалила СССР? Почитайте книги Теодора Драйзера - Финансист, Титан, Стоик, из них можно в какойто степени подчеркнуть какой путь развития нам навязали. Почему не один дензак в мире не привязан ни к чему? На последний вопрос как раз таки есть давно известный элементарный ответ... |
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Университет Гарварда использовался для майнинга догкойнов Руководство Гарвардского университета обнаружило, что один из студентов использовал возможность доступа к внутренней сети учебного заведения для майнинга догкойнов. Личность учащегося пока не установлена.
Всем студентам Гарварда предоставляется доступ к внутренней сети ВУЗа, которую называют «кластер Одиссея» («Odyssey cluster»). Она используется в научных и исследовательских целях, а также предназначена для образования и самообразования учащихся. Тем не менее, неизвестный решил использовать крупные вычислительные мощности учебного заведения в личных целях — для майнинга цифровых монет. ИсточникА не за то же самое выгнали в своё время Гейтса из того же вуза, а именно за использование вычислительных мощностей учебного заведения в личных целях? |
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I definitely don't want to get into a pissing match with you (like some people seem to be doing in this thread) but perhaps I'd need you to explain this a little better.
Whom are you asking really and what exactly? |
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Система наличных денег удобна тем, что она независима и локальна, здесь и сейчас (т.е. не требует всяких расчётных центров с сопутствующей инфраструктурой). Как-то так... Если доверяешь эмитенту наличности (монет и банкнот), ему нет никаких проблем выпускать их на базе криптовалют (кроме локальных законов, разумеется). Ок, объясните ваше понимание наличности на базе криптовалюты. Как вы собираетесь рассчитываться где-нибудь в глухой тайге с аборигенами, где даже слова "электричество" не слышали (не говоря уже про интернет и всё такое)... |
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I didn't realize you were guessing. Thanks.
guess : to suppose or think (something) You deprived me of the ability to think or make assumptions about something? Now look up the definition of the noun.  "an attempt to give an opinion or answer about something when you do not know much about it or are not sure about it" I followed from logic that individuals won't be holding much in checking accounts, since they are paid very little as interest (in comparison with term deposits). This I said explicitly. But it may very well depend on a myriad of other things, and in some specific bank the situation might be different (which I also mentioned)... Yes, I can't be sure for all banks (I thought it had been made clear) |
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Well yeah, of course.
But we wouldn't have any bank runs, right?
Wrong. That's why I'm telling you that even 100% reserve banking won't help you. If we take as a basis the definition that you've given, then bank runs could still happen (i.e. the depositors trying to withdraw their funds immediately), but since there is no loaning (the money is in the money warehouse all the time), there will be no significant negative effects, if any, on the economy and no bankruptcies... Well, you're right that it's theoretically possible, but it'd eliminate the vast majority of bank runs, would it not? Remember, part of the definition is "fearing that their bank will be unable to repay their deposits in full and on time". You agree with that definition, right? Sorry, didn't notice your answer in time Actually, it is you who are theoretically right (in assumption that 100% reserve banking prevents most bank runs). But lol, you don't know human psychology. Even if all the money is said to be there (in the money warehouse), why should they, depositors, believe it in the first place, and not try to withdraw their money as soon as possible in the second, e.g. in the case there is "fearing that their bank warehouse will be unable to repay their deposits in full and on time"? Holy crap, even if the money is there, it still may not prevent from the crowd going wild... Yes, I like this definition, especially that part about people trying to withdraw deposits immediately. It hits the nail on the head and correlates perfectly with the part about fear! |
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If you are really curious about that percentage (i.e. the ratio of demand deposits to term deposits or the inverse relationship), we could approximately calculate it here (for Russian economy). On rough estimates, demand deposits compose less than one third of term deposits for individuals... So my guess is correct, lol I didn't realize you were guessing. Thanks. : to suppose or think (something) You deprived me of the ability to think or make assumptions about something? |
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