TỤ NGHĨA ĐƯỜNG Tèo bang mời CKtansatlenh cùng anh em nhận định

Thơ con cóc :

Đi ngủ thì phải mắc màn !
Muốn bán anh cứ giá sàn anh phang !






Được GreedandFear sửa chữa / chuyển vào 08:42 ngày 12/05/2009

Có thể xuất hiện khuynh hướng oánh chứng xong có lãi ,rút ra gửi tiết kiệm ,ăn kép .



Lãi suất cơ bản: Đã đến lúc tăng lên 11/05, 16:44

.....TÍn dụng tiêu dùng đang có chiều hướng tăng trưởng khi ngân hàng ngày một rộng cửa hơn. Theo đó nguy cơ lạm phát có thể xảy ra
Trước xu hướng điều chỉnh tăng lãi suất đầu vào của các ngân hàng gần đây, nhiều người liên tưởng đến cuộc đua lãi suất năm trước, cho dù ở mức độ nhẹ hơn. Trong khi đó tốc độ tăng trưởng tín dụng cho thấy dấu hiệu tích cực khi dự nợ cho vay trong tháng 4/2009 của hệ thống ngân hàng cao hơn vốn duy động.



Có ý kiến cho rằng, NHNN có thể sẽ tăng lãi suất cơ bản. Đặc biệt là khi nguồn vốn đẩy ra nền kinh ngày một nhiều hơn và ngân hàng rộng cửa trong phát triển tín dụng, nguy cơ lạm phát là điều khó tránh khỏi. Lúc này, diễn biến lãi suất phải theo xu hướng lên thì ngân hàng mới có thể thu hút tiền nhàn rỗi ...




Được GreedandFear sửa chữa / chuyển vào 21:52 ngày 12/05/2009

Đã xong





Được DaophuCKVN sửa chữa / chuyển vào 11:15 ngày 13/05/2009

Thay= chảt khác nè











Được bombongVNI sửa chữa / chuyển vào 07:12 ngày 14/05/2009

Chỉ số KBW khối ngân hàng mất 4,2%, trong đó cổ phiếu Bank of America hạ 5,3%, cổ phiếu Citigroup mất 5,21%, cổ phiếu Bank of New York Mellon xuống 3,79%, cổ phiếu US Bancorp trượt 3,3%.

Điểm đáng chú ý là cổ phiếu của hai hãng sản xuất ôtô lớn của Mỹ là General Motors và Ford đã giảm điểm mạnh. Cổ phiếu Ford mất 17,6% sau khi hãng thông báo chào bán 300 triệu cổ phiếu để tăng vốn, trong khi cổ phiếu General Motors mất 20,14% trước lo ngại về nguy cơ phải nộp đơn xin bảo hộ phá sản.

Retail sales dip raises worries about recovery

WASHINGTON (AP) -- Retail sales fell in April for a second straight month, dashing hopes that consumer spending was starting to revive and would help end the recession.

Economists said families who are worried about layoffs and unpaid job furloughs are saving more and spending less, delaying the start of a sustained recovery.

The disappointing report helped send stocks down on Wall Street, where the Dow Jones industrial average slid 184 points -- more than 2 percent. Other major indexes fell even more sharply.

Retail sales fell 0.4 percent last month, worse than the flat performance many economists had expected, the Commerce Department reported Wednesday.

Retail sales had posted gains in January and February after falling for six straight months. The gains had raised hopes that the crucial consumer sector of the economy might be stabilizing. But the setbacks in March and April retail sales cast doubts on that prospect.

"People are obviously still very nervous and not spending," said David Wyss, chief economist at Standard & Poor''''''''''''''''s in New York. "The economy is still in a recession, and I don''''''''''''''''t think we will hit bottom until late summer or early fall."

Meanwhile, more than 342,000 households received at least one foreclosure-related notice in April, up 32 percent from the same month last year, RealtyTrac Inc. said Wednesday. April was the second straight month with more than 300,000 households receiving a foreclosure filing.

Analysts said the economy should benefit in coming months from the tax relief included in the $787 billion stimulus plan Congress passed in February. But the extra $17 a week that the average family will receive won''''''''''''''''t translate into a major boost in spending.

Such modest relief is hardly enough to negate the effects of layoffs and employee furloughs, shrunken retirement accounts and home equity, and consumers struggling to boost savings because of fears about the future.

Mary Goodman has stopped most of her extraneous spending -- like meals out. She reined in her spending habits after March 1, when she was laid off from her job as an office manager at an online job posting company in Milwaukee.

Now the 60-year-old Goodman eats out just once a week with a former co-worker, a trip that included soup at an indoor market on Wednesday afternoon.

"I''''''''''''''''m not doing any clothes shopping," she said. "I''''''''''''''''m not tempting myself by going into the mall."

Anecdotal evidence had signaled some improvement in sales in recent weeks. But "to offset the plunge in wealth, the household saving rate still needs to double from the current rate of 4 percent," Paul Dales, U.S. economist with Capital Economics in Toronto, wrote in a research note.

"With falling employment hitting incomes, this can only be achieved by a further retrenchment in spending."

The savings rate, which was hovering around zero a year ago, has climbed to just above 4 percent. Many economists think it will hit 6 percent or more this year as workers anxious about layoffs and depleted investments put away their credit cards. The jobless rate rose to a 25-year high of 8.9 percent in April, with a net total of 539,000 jobs lost during the month.

The fall in retail sales in April came even though car sales posted a 0.2 percent increase. Excluding autos, the drop in retail sales would have been 0.5 percent -- much worse than the 0.2 percent gain economists had expected.

Sales other than autos showed widespread weakness last month. Demand at department stores and general merchandise stores fell 0.1 percent. Sales at specialty clothing stores dropped 0.5 percent.

Sales also fell in April at furniture stores, electronic and appliance stores, food and beverage stores and gasoline stations, the Commerce Department said.

The sales drop at department stores and specialty clothing stores came as a surprise since the nation''''''''''''''''s big chain stores had reported better-than-expected results for April. Same-store sales rose 0.7 percent last month compared with April 2008. It was the first overall increase in six months, according to the tally by Goldman Sachs and the International Council of Shopping Centers.

The two reports aren''''''''''''''''t comparable, analysts noted. The government figures, for example, cover more stores and are adjusted for seasonal variations.

Analysts said one reason the consensus forecast may have been too optimistic is that with many stores closing, it''''''''''''''''s been difficult to estimate industry figures accurately.

Department store operator Macy''''''''''''''''s Inc. on Wednesday reported a wider loss for the first quarter, due partly to restructuring charges. Still, the company expects to see an improvement in sales from its localization efforts beginning in the fourth quarter of 2009, and in the spring of 2010.

Liz Claiborne Inc. also reported a first-quarter loss that was worse than Wall Street expected. The apparel maker said its quarterly loss swelled on restructuring charges and a drop in same-store sales stemming from lower consumer spending and an extra week of sales in the year-ago period.

In a separate report, the Commerce Department said business inventories fell 1 percent in March, a seventh straight decrease. That''''''''''''''''s the longest stretch since businesses cut inventories for 15 straight months in 2001 and 2002, during the last recession.

Businesses are cutting stockpiles amid declining sales, a development that has intensified the current downturn. Still, the reductions in stockpiles eventually should help businesses get their inventories more in line with reduced sales. If that occurs, any strengthening in consumer demand should lead to increased production.

Consumer spending grew 2.2 percent in the first quarter of the year, after posting back-to-back quarterly declines in the last half of 2008.

Economists think the overall economy, as measured by the gross domestic product, will show a decline of around 3 percent in the current quarter. That would compare with steep declines of more than 6 percent each in prior two quarters, the worst six-month performance in a half-century.

"The weak start to second quarter consumer spending is a potent reminder that that the recession is not over, despite signs of green shoots," said Stuart Hoffman, chief economist at PNC Financial.

Goodman needs no such reminder. Despite her reduced spending, she said her son likely will have to move home from college because she can''''''''''''''''t pay his rent.

AP Retail Writer Emily Fredrix in Milwaukee contributed to this report.







Được daophuCKVN03 sửa chữa / chuyển vào 18:44 ngày 14/05/2009