你話，迷債既人值唔值得幫？
今次事件，涉及了不少類型的人士，主要分為三類：
一)手持與兄弟銀行有關的債券
佢地大部份都係做開定期，食息維生。某天，銀行打電話去話個定期就黎到期，有個優惠介紹，佢地好信任銀行，於是將定期轉去做呢個「優惠」，就是今天的迷債。佢地主要係退休人士、老人家家庭主婦及只能承受極低風險的銀行存戶(例如有儲左一甪筆錢俾子女讀書)，佢地好多都用畢生既積蓄黎買左以為同定期差不多既迷債。涉及人數最廣，而且好多都係畢生既血汗錢，呢班人最可憐！
二)手持ELN（股票掛鈎票據）
持有人到期時可收到的本金會根據某一種或一籃子的股票而結算，可賺取相對較高的票面息率；但到期時如掛鈎的股票價格下跌，低於特定水平，投資者可能需要以高於市價的價錢接收股票。幾間大銀行先會做，人數比迷債少但涉及金額較高，佢地以為差極都係接股票，但係而家係乜都冇。
三) Accumulator
今次事件上可以暫時唔理呢班人。
政府今次事件做左縮頭龜，金管局明明係主要負責人都可以做到置身事外，而家班苦主日日四圍撲，都唔知撲到甚麼，如此下去，星期六發生既衝擊事件只會繼續出現。
政府可以做既事：一）對外：成立獨立調查機構，委任有公信力人士入去，處理所有有關個案，唔係交由冇公信力既公會去查囉。 二）對內：威迫利誘銀行，唔理點都好，都要拋個方案出黎。
希望事件早日解決！
***
"In the Final Analysis"
by Mother Teresa
People are often unreasonable, illogical, and self-centered...
forgive them anyway
If you are kind, people may accuse you of selfish ulterior motives...
be kind anyway
If you are successful, you will win some false friends and some true enemies...
succeed anyway
If you are honest and frank, people may cheat you...
be honest and frank anyway
What you may spend years building, someone may destroy overnight...
build anyway
If you find serenity and happiness, people may be jealous...
be happy anyway
The good you do today, people will often forget tomorrow...
do good anyway
Give the world the best you have, and it may never be enough...
give the world the best you have anyway
You see, in the final analysis, it's all between you and God...
it was never between you and them anyway
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