Life Term Strategies

1. Huge Gains in Long Term
- Receive significant capital gains
- by investing in corporations
- (with wide economic moat & average peers’ net margin)
- In very very long term

2. Strong Periodic Cash Flow
- Maintain self-sufficient monthly cash flow
- Through dividend, gains on derivative & short term trading
- For re-investment to item # 1 mentioned above

3. Mind for Risk Management
- Ensure strong cash position
- Maintain low risk by continue monitor, analyze & feel:
economic trend & environment,
market condition & investors emotion
corporate performance & outlook
asset allocation & direction

4. Be a holy Christian investor:
- Invest in wisdom & varies ways, but consistent & not over nor under of what the Holy Bible expects a Jesus follower should be
- Keep regular & long term spiritual growth
Continue experience God @ finance market
Aim for life transform opportunities
- Even though it may not teach Billy & Bilibala what stocks to invest nor how to make more, more & more $

6.22.2009

China Cons Bank jun 09 loan

引述《上海證券報》，權威人士透露，6月份前20天的信貸投放，較5月份同期更為迅猛，而按照各大銀行月末衝刺信貸額度的習慣，預計6月份新增信貸將超5月份。今年上半年，新增信貸超6萬億元人民幣(下同)已成定局，或達到6.5萬億。5月份內地新增人民幣貸款達到6645億元。

Bilibala's comments:
More loan means more interest income, even net interest margin may fall, China Cons Bank's 2009 profit should look pretty. The only important task is how the bank handle its mortgage underwritting. The ideal case is only lending $$ to credit worthy individual or corporation.
It is hard, but over the past few years, China Cons Bank has proved to be the best with the lowest bad debt allowance ratio other than China Merchant Bank.
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