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https://www.c-span.org/presidentialDebate/?debate=third

Chris Wallace: I'm Chris Wallace of Fox News. And I welcome you to the third and final of the 2016 presidential debates between secretary of state Hillary Clinton and Donald J. Trump.

This debate is sponsored by the commission on presidential debates. The commission has designed the format, six roughly 15-minute segments with two-minute answers to the first question, then open discussion for the rest of each segment. Both campaigns have agreed to those rules. For the record, I decided the topics and the questions in each topic. None of those questions has been shared with the commission or the two candidates. The audience here in the hall has promised to remain silent. No cheers, boos or other interruptions so we and you can focus on what the candidates have to say. No noise except right now as we welcome the Democratic nominee for president, Secretary Clinton, and the Republican nominee for president, Mr. Trump.

Secretary Clinton, Mr. Trump, welcome. Let's get right to it. The first topic is the Supreme Court. We — you both talked briefly about the court in the last debate, but I want to drill down on this because the next president will almost certainly have at least one appointment and likely or possibly two or three appointments, which means that you will in effect determine the balance of the court for what could be the next quarter century. First of all, where do you want to see the court take the country? And secondly, what's your view on how the constitution should be interpreted? Do the founders' words mean what they say or is it a living document to be applied flexibly according to changing circumstances? In this segment, Secretary Clinton, go first, you have two minutes.

Hillary Clinton: Thank you very much, Chris, and thanks to UNLV for hosting us. When we talk about the Supreme Court it really raises the central issue in this election, namely, what kind of country are we going to be? What kind of opportunities will we provide for our citizens?

What kind of rights will Americans have? And I feel strongly that the Supreme Court needs to stand on the side of the American people, not on the side of the powerful corporations and the wealthy.

For me, that means that we need a Supreme Court that will stand up on behalf of women's rights, on behalf of the rights of the LGBT community, that will stand up and say no to Citizens United, a decision that has undermined the election system in the country because of the way it permits dark, unaccountable money to come into our electoral system. I have major disagreements with my opponent about these issues and others that will be before the supreme court, but I feel that at this point in our country's history, it is important that we not reverse marriage equality, that we not reverse Roe v. Wade, that we stand up against Citizens United, we stand up for the rights of people in the workplace, that we stand up and basically say the Supreme Court should represent all of us. That's how I see the court and the kind of people that I would be looking to nominate to the court would be in the great tradition of standing up to the powerful, standing up on behalf of our rights as Americans, and I look forward to having that opportunity.

I would hope that the senate would do its job and confirm the nominee that President Obama has sent to them. That's the way the constitution fundamentally should operate. The president nominates and then the senate advises and consents or not.

But they go forward with the process.

Wallace: Secretary Clinton, thank you. Mr. Trump, same question. Where do you want to see the court take the country and how do you believe the constitution should be interpreted?

Donald Trump: Well, first of all, it's great to be with you and thank you, everybody. The Supreme Court, it's what it's all about. Our country is so, so, just so imperative that we have the right justices. Something happened recently where Justice Ginsburg made some very inappropriate statements toward me and toward a tremendous number of people, many, many millions of people that I represent, and she was forced to apologize and apologize she did. But these were statements that should never ever have been made.

We need a supreme court that, in my opinion, is going to uphold the second amendment and all amendments, but the second amendment, which is under absolute siege. I believe if my opponent should win this race, which I truly don't think will happen, we will have a second amendment which will be a very, very small replica of what it is right now. But I feel that it's absolutely important that we recall because of the fact that it is under such trauma. I feel that the justices that I am going to appoint — and I've named 20 of them — the justices that I'm going to appoint will be pro-life, they will have a conservative bent, they will be protecting the second amendment, they are great scholars in all cases and they're people of tremendous respect. They will interpret the constitution the way the founders wanted it interpreted.

And I believe that's very, very important. I don't think we should have justices appointed that decide what they want to hear.

It's all about the constitution of — and so important, the constitution the way it was meant to be and those are the people that I will appoint.

Wallace: We now have 10 minutes for open discussion. I want to focus on two issues that in fact by the justices that you name could end up changing the existing law of the land. First is one that you mentioned, Mr. Trump, and that is guns. Secretary Clinton you said last year, and let me quote, the Supreme Court is wrong on the second amendment.

Now in fact in the 2008 Heller case, the court ruled that there is a constitutional right to bear arms but a right that is reasonably limited. Those were the words of the Judge Antonin Scalia, who wrote the decision. What's wrong with that?

Clinton: Well, first of all, I support the second amendment. I lived in Arkansas for 18 wonderful years. I represented upstate New York. I understand and respect the tradition of gun ownership. It goes back to the founding of our country. But I also believe that there can be and must be reasonable regulation. Because I support the second amendment doesn't mean that I want people who shouldn't have guns to be able to threaten you, kill you or members of your family.

And so when I think about what we need to do, we have 33,000 people a year who die from guns. I think we need comprehensive background checks. We need to close the online loophole, close the gun show loophole. There are other matters that I think are sensible that are the kind of reforms that would make a difference that are not in any way conflicting with the second amendment.

You mentioned the Heller decision, and what I was saying that you reference, Chris, was that I disagreed with the way the court applied the second amendment in that case. Because what the District of Columbia was trying to do was protect toddlers from guns. They wanted people with guns to safely store them, and the court didn't accept that reasonable regulation, but they've accepted many other.

I see no conflict between saving people's lives and defending the second amendment.

Wallace: Let me bring Mr. Trump in here. The bipartisan open debate coalition got millions of votes on questions to ask here, and this was, in fact, one of the top questions that they got. How will you insure the second amendment is protected? You just heard Secretary Clinton's answer. Does she persuade you that, while you may differ on regulation, that she supports a second amendment right to bear arms?

Trump: The DC v. Heller decision was very strongly and she was extremely angry about it. I watched. She was very, very angry when upheld. And Justice Scalia was so involved, and it was a well crafted decision, but Hillary was extremely upset, extremely angry, and people that believe in the second amendment and believe in it very strongly were very upset with what she had to say.

Wallace: Let me bring in Secretary Clinton. Were you extremely upset?

Clinton: Well, I was upset because, unfortunately, dozens of toddlers injure themselves, even kill people with guns because, unfortunately, not everyone who has loaded guns in their homes takes appropriate precautions.

But there's no doubt that I respect the second amendment, that I also believe there's an individual right to bear arms. That is not in conflict with sensible, common-sense regulation. And you know, look, I understand that Donald's been strongly supported by the NRA, the gun lobby's on his side, they're running millions of dollars of ads against me. And I regret that because what I would like to see is for people to come together and say, of course, we're going to protect and defend the second amendment, but we're going to do it in a way that tries to save some of these 33,000 lives that we lose every year.

Wallace: Let me bring Mr. Trump back into that. Because, in fact, you oppose any limits on assault weapons. Any limits on magazines, you support a national right to carry law. Why, sir?

Trump: Let me just tell you before we go any further, in Chicago, which has the toughest gun laws in the United States, probably you could say by far they have more gun violence than any other city. So we have the toughest laws and you have tremendous gun violence.

I am a very strong supporter of the second amendment. And I don't know if Hillary was saying it in a sarcastic manner but I'm very proud to have the endorsement of the NRA. It's the earliest endorsement they've ever given to anybody who ran for president. I'm very honored by all of that.

We are going to appoint justices. This is the best way to help the second amendment. We're going to appoint justices that will feel very seriously about the second amendment. That will not do damage to the second amendment.

Wallace: Let's pick up on another issue which divides you and the justices that whoever ends up winning this election appoints could have a dramatic effect there, and that's the issue of abortion. Mr. Trump, you're pro life. But I want to ask you specifically, do you want the court, including the justices that you will name, to overturn Roe v. Wade which includes, in fact, states a woman's right to abortion?

Trump: Well, if that would happen, because I am pro-life and I will be appointing pro-life judges, I would think that that would go back to the individual states.

Wallace: But I'm asking you specifically --

Trump: If they overturned it, it will go back to the states.

Wallace: What I'm asking you, sir, is do you want to see the court overturn? You just said you want to see the court protect the second amendment. Do you want to see the court overturn Roe v. Wade?

Trump: If we put another two or perhaps three justices on, that will happen. And that will happen automatically in my opinion because I'm putting pro-life justices on the court. I will say this, it will go back to the states a tornado states will then make a determination.

Wallace: Secretary Clinton?

Clinton: I strongly support Roe v. Wade, which guarantees a constitutional right to a woman to make the most intimate, most difficult in many cases decisions about her health care that one can imagine. And in this case it's not only about Roe v. Wade. It is about what's happening right now in America so many states are putting very stringent regulations on women that block them from exercising that choice to the extent that they are defunding Planned Parenthood, which, of course, provides all kinds of cancer screenings and other benefits for women in our country.

Donald has said he's in favor of defunding Planned Parenthood. He even supported shutting the government down to defund planned parenthood. I will defend Planned Parenthood. I will defend Roe v. Wade and I will defend women's rights to make their own health care decisions.

Wallace: Secretary --

Clinton: And we've come too far to have that turn back now. Indeed he said women should be punished, that there should be some form of punishment for women who obtain abortions. And I could just not be more opposed to that kind of thinking.

Wallace: I'm going to give you a chance to respond, but I want to ask you, Secretary Clinton, how far you believe the right to abortion goes. You have been quoted as saying that the fetus has no constitutional rights. You also voted against a ban on late-term partial birth abortions. Why?

Clinton: Because, Roe v. Wade very clearly sets out that there can be regulations on abortion so long as the life and the health of the mother are taken into account. And when I voted as a senator, I did not think that that was the case. The kinds of cases that fall at the end of pregnancy are often the most heartbreaking, painful decisions for families to make. I have met with women who toward the end of their pregnancy, get the worst news one could get, that their health is in jeopardy if they continue to carry to term or that something terrible has happened or just been discovered about the pregnancy. I do not think the United States government should be stepping in and making those most personal of decisions. So you can regulate if you are doing so with the life and the health of the mother taken into account.

Wallace: Mr. Trump, your reaction and particularly on this issue of late-term partial birth abortion.

Trump: I think it's terrible if you go with what Hillary is saying in the ninth month you can take the baby and rip the baby out of the womb of the mother just prior to the birth of the baby.

Now, you can say that that's okay, and Hillary can say that that's okay, but it's not okay with me. Because based on what she's saying and based on where she's going and where she's been, you can take the baby and rip the baby out of the womb in the ninth month, only the final day. And that's not acceptable.

Clinton: Well, that is not what happens in these cases. And using that kind of scare rhetoric is just terribly unfortunate. You should meet with some of the women that I've met with.

Women I've known over the course of my life. This is one of the worst possible choices that any woman and her family has to make. I do not believe the government should be ING it. I've been to countries where governments forced women to have abortions like they did in China or force women to bear children like they used to do in Romania. I can tell you the government has no business in the decisions that women make with their families in accordance with their faith, with medical advice, and I will stand up for that right.

Wallace: All right. Just briefly, I want to move on.

Trump: And honestly, nobody has business doing what I just said, doing that as late as one or two or three or four days prior to birth, nobody has that.

Wallace: All right. Let's move on to the subject of immigration and there is almost no issue that separates the two of you more than the issue of immigration.

Actually, there are a lot of issues. Mr. Trump, you want to build a wall. Secretary Clinton, you've offered no specific plan for how you want to secure our southern border.

Mr. Trump, you are calling for major deportations. Secretary Clinton, you say within your first hundred days as president you'll offer a package that includes a pathway to citizenship. The question really is why are you right and your opponent wrong? Mr. Trump, you go first in this segment. You have two minutes.

Trump: First of all, she wants to give amnesty, which is a disaster and very unfair to all the people who are waiting in line for many years. We need strong borders. In the audience tonight we have four mothers of — I mean, these are unbelievable people that I've gotten to know over a period of years whose children have been killed, brutally killed by people who came into the country illegally. You have mothers, fathers, relatives all over the county. They're coming in illegally.

Drugs are pouring in through the border. We have no country if we have no border. Hillary wants to give amnesty, she wants to have open borders.

As you know, the border patrol agency, 16,500-plus ICE last week endorsed me. First time they've ever endorsed a candidate. It means their job is tougher, but they know what's going on. They know it better than anybody. They want strong borders. They feel we have to have strong borders. I was up in New Hampshire, the biggest complaint they have with all the problems going on in the world, many of the problems caused by Hillary Clinton and by Barack Obama, all of the problems, their single biggest problem is heroin that pours across our southern borders, just pouring and destroying their youth. It's poisoning the blood of their youth and plenty of other people.

We have to have strong borders. We have to keep the drugs out of our country. Right now we're getting the drugs, they're getting the cash. We need strong borders. We absolute -- we cannot give amnesty.

Now I want to build a wall. We need the wall. The border patrol, ICE, they all want the wall. We stop the drugs, shore up the border.

One of my first acts will be to get all of the drug lords, we have some bad, bad people in this country this have to go out. We'll get them out, secure the bothered and once the border is secured at a later date we'll make a determination as to the rest. But we have some bad hombres here and we're going to get them out.

Wallace: Mr. Trump, thank you. Same question to you, Secretary Clinton, basically why are you right and Mr. Trump is wrong?

Clinton: As he was talking I was thinking about a young girl I met here in Las Vegas, Carla, who was very worried that her parents might be deported because she was born in this country, but they were not. They work hard and do everything they can to give her a good life. And you're right, I don't want to rip families apart. I don't want to be sending parents away from children. I don't want to see the deportation force that Donald has talked about in action in our country. We have 11 million undocumented people. They have 4 million American citizen children — 15 million people. He said as recently as a few weeks ago in Phoenix that every undocumented person would be subject to deportation.

Now, here's what that means. It means you would have to have a massive law enforcement presence where law enforcement officers would be going school to school, home to home, business to business rounding up people who are undocumented and we would then have to put them on trains, on buses, to get them out of our country. I think that is an idea that is not in keeping with who we are as a nation. I think it's an idea that would rip our country apart. I have been for border security for years.

I voted for border security in the United States Senate. And my prehensive immigration reform plan of course includes border security. But I want to put our resources where I think they're most needed — getting rid of any violent person, anybody who should be deported, we should deport them. When it comes to the wall that Donald talks about building, he went to Mexico. We had a meeting with the Mexican president. Didn't even raise it. He choked, then got into a Twitter war because the Mexican president said, we're not paying for that wall.

So I think we are both a nation of immigrants and we are a nation of laws and that we can act accordingly. That's why I'm introducing immigration reform within the first hundred days with a path to citizenship.

Trump: Chris, I think it's an issue to respond to. First of all, I had a very good meeting with the president of Mexico. Very nice man. We will be doing very much better with Mexico on trade deals, believe me, than the NAFTA deal by her husband, one of the worst deals of any kind signed by anybody. It's a disaster. Hillary Clinton wanted the wall. Hillary Clinton fought for the wall in 2006 or thereabouts.

Now she never getting anything done so naturally the wall wasn't built. But Hillary Clinton want the wall. We're a country of laws. And by the way —

Wallace: I'd like to hear from Secretary Clinton.

Clinton: I voted for border security, and there are --

Trump: And the wall.

Clinton: There are some limited places where that was appropriate. There are also going to be new technology and how best to deploy that. But it is clear, when you look at what Donald has been proposing, he started his campaign bashing immigrants, calling Mexican immigrants rapists and criminals and drug dealers, that he has a very different view about what we should do to deal with immigrants. Now, what I am also arguing is that bring undocumented immigrants out from the shadows putting them in the formal economy will be good because employers can't exploit them and undercut their wages.

Donald knows a lot about this, he used undocumented labor to build Trump Tower. He underpaid undocumented workers and when they complained he said, what a lot of [people] do, you complain I'll get you deported. I want to get the economy working and not let employers like Donald exploit undocumented workers that hurts them and undocumented workers.

Trump: President Obama has moved millions of people out. Nobody knows about it, nobody talks about it. But under Obama, millions of people have been moved out of this country, they've been deported. She doesn't want to say that, but that's what's happened. And that's what's happened big league. As far as moving these people out and moving, we have a country or we don't. We're a country of laws. We either have a border or we don't. You can come back in and you can become a citizen, but it's very unfair — we have million of people that did it the right way.

They're on line, they're waiting. We're going to speed up the process big league because it's very inefficient. But they're in line and they're waiting to become citizens. Very unfair that somebody runs across the border, becomes a citizen. Under her plan you have open borders. You would have a disaster on trade. And you'll have a disaster with your open borders. What she doesn't say is that president Obama has deported millions and millions of people just the way it is. Wallace: Secretary Clinton -- Clinton: We will not have open borders. That is a rank mischaracterization. Wallace: Secretary Clinton? Clinton: We'll have secure borders but we'll also have reform. This used to be a bipartisan issue. Ronald Reagan was the last president -- Wallace: Excuse me. Secretary Clinton. Clinton: Designed immigration reform and George W. Bush supported it as well. Wallace: Secretary Clinton, I want to clear up your position on this issue because in a speech you gave to a Brazilian bank for which you were paid $225,000 we've learned from the Wikileaks that you said this and I want to quote, my dream is a hemispheric common market with open trade and open borders —Trump: Thank you.

Wallace: So that's the question. Please, quiet, everybody. Is that your dream, open borders?

Clinton: Well, if you went on to read the rest of the sentence, I was talking about energy. You know, we trade more energy with our neighbors than we trade with the rest of the world combined. And I do want us to have an electric grid, energy system that crosses borders. I think that would be a great benefit to us. But you are very clearly quoting from wikileaks and what's really important about wikileaks is that the Russian government has engaged in espionage against Americans. They have hacked American websites, American accounts of private people, of institutions, then they have given that information to Wikileaks for the purpose of putting it on the internet.

This has come from the highest levels of the Russian government, clearly from Putin himself, in an effort, as 17 of our intelligence agencies have confirmed to influence our election. So I actually think the most important question of this evening, Chris, is finally will Donald Trump admit and condemn that the Russians are doing this and make it clear that he will not have the help of Putin in this election, that he rejects Russian espionage against Americans which he actually encouraged in the past?

Those are the questions we need answered. We've never had anything like this happen in any of our elections before.

Trump: That was a great pivot off the fact that she wants open borders, okay? How did we get off to Putin?

Wallace: Hold on.

Trump: No, no.

Wallace: Hold on, folks. Because this is going to end up getting out of control. Let's try to keep it quiet for the candidates and for the American people.

Trump: Just to finish on the borders --

Wallace: Yes.

Trump: She wants open borders. People are going to pour into our country. People are going to come in from Syria. She wants 550% more people than Barack Obama, and he has thousands and thousands of people. They have no idea where they come from and you see, we are going to stop radical islamic terrorism in this country. She won't even mention the words and neither will president Obama. So I just want to tell you, she wants open borders.

Now we can talk about Putin. I don't know Putin. He said nice things about me. If we got along well, that would be good.

If Russia and the United States got along well and went after ISIS, that would be good. He has no respect for her. He has no respect for our president. And I'll tell you what, we're in very serious trouble because we have a country with tremendous numbers of nuclear warheads, 1,800, by the way, where they expanded and we didn't — 1800 nuclear warheads, and she's playing chicken. Look —

[Crosstalk]

Clinton: Well, that's because he'd rather have a puppet as president.

Trump: No puppet, no puppet.

Clinton: And it's pretty clear --

Trump: You're the puppet.

Clinton: It's pretty clear you won't admit.

Trump: No, you're the puppet.

Clinton: That the Russians have engaged in cyber attacks against the United States of America, that you encouraged espionage against our people, that you are willing to spout the Putin line, sign up for his wish list, rake up nato, do whatever he wants to do, and that you continue to get help from him because he has a very clear favorite in this race so I think this is such an unprecedented situation, we've never had a foreign government trying to interfere in our election.

We have 17, 17 intelligence agencies, civilian and military, who have all concluded that these espionage attacks, these cyber attacks come from the highest levels of the Kremlin and they are designed to influence our election. I find that deeply disturbing.

Wallace: Secretary Clinton --

Trump: She has no idea whether it's Russia, China or anybody else.

Clinton: I am not quoting myself.

Trump: She has no idea.

Clinton: There are 17 --

Trump: You have no idea.

Clinton: 17 intelligence. Do you doubt? 17 military --

Trump: Our country has no idea.

Clinton: And civilian agencies.

Trump: I doubt it.

Clinton: He'd rather believe Vladimir Putin than the military and civilian intelligence professionals who are sworn to protect us. I find that just absolutely —

Trump: She doesn't like Putin because Putin has outsmarted her at every step of the way.

Wallace: Mr. Trump --

Trump: Excuse me.

Wallace: Mr. Trump --

Trump: Putin has outsmarted her.

Wallace: Mr. Trump, I do get to ask some questions.

Trump: Yes.

Wallace: I would like to ask you this direct question. The top national security officials of this country do believe that Russia is behind these hacks. Even if you don't know for sure whether they are, do you condemn any interference by Russia in the American election?

Trump: By Russia or anybody else.

Wallace: You condemn their interference?

Trump: Of course I condemn. Of course. I don't know Putin. I have no idea —

Wallace: I'm not asking you that.

Trump: This is not my best friend. But if the United States got along with Russia, wouldn't be so bad. Let me tell you, Putin has outsmarted her and Obama at every single step of the way. Whether it's Syria. You name it. Missiles. Take a look at the start-up that they signed. The Russians have said, according to many, many reports, I can't believe they allowed us to do this. They create warheads and we can't. The Russians can't believe it. She's been outsmarted by Putin. All you have to do is look at the Middle East. They've taken over. We've spent $6 trillion. They've taken over the Middle East. She has been outsmarted and outplayed worse than anybody I've ever seen in any government whatsoever.

Wallace: We're a long way away from immigration, but I'm going to let you finish this topic. You have about 45 seconds.

Trump: And she always will be.

Clinton: I find it ironic that he's raising nuclear weapons. This is a person who has been very cavalier, even casual about the use of nuclear weapons.

Trump: Wrong.

Clinton: Japan, Korea, even Saudi Arabia. He said if we have them, why don't we use them, which I think is terrifying. The bottom line on nuclear weapons is that when the president gives the order, it must be followed. There's about four minutes between the order being given and the people responsible for launching nuclear weapons to do so. And that's why 10 people who have had that awesome responsibility have come out and in an unprecedented way said they would not trust Donald Trump with the nuclear codes or to have his finger on the nuclear button.

Trump: I have 200 generals and admirals, 21 endorsing me, 21 congressional medal of honor recipients. As far as Japan and other countries, we are being ripped off by everybody — we're defending other country. We're spending a fortune doing it. They have the bargain of the century. All I said is we have to renegotiate these agreements because our country cannot afford to defend Saudi Arabia, Japan, Germany, South Korea and many other places. We cannot continue to afford. She took that as saying nuclear weapons.

Look, she's been proven to be a liar on so many different ways. This is just another lie.

Clinton: Well, I'm just quoting you --

Trump: There's no quote. You're not going to find a quote from me.

Clinton: Nuclear competition in Asia, you said, you know, go ahead, enjoy yourselves, folks. That kind of --

Trump: And defend yourselves. And defend yourselves. I didn't say nuclear. And defend yourselves.

Clinton: United States has kept the peace through our alliances. Donald wants to tear up our alliances. I think it makes the world safer and, frankly, it makes the United States safer. I would work with our allies in Asia, in Europe, in the middle East and elsewhere. That's the only way we're going to --

Wallace: We're going to move on to the next topic, which is the economy. And I hope we handle that as well as we did immigration. You also have very different ideas about how to get the economy growing faster. Secretary Clinton, in your plan, government plays a big role. You see more government spending, more entitlements more tax credit, more penalties. Mr. Trump you want to get government out with less regulation. We'll drill down into this a little more. But in this overview, please explain to me why you think your plan will create more jobs and growth for this country and your opponent's plan will not. In this round, you go first, Secretary Clinton.

Clinton: I think when the middle class thrives, America thrives. And so my plan is based on growing the economy, giving middle class families many more opportunities.

I want us to have the biggest jobs program since World War II, jobs and infrastructure and advanced manufacturing. I think we can compete with high wage countries, and I believe we should. New jobs and clean energy not only to fight climate change, which is a serious problem, but to create new opportunities and new business I want us to do more to help small businesses.

I want to raise the minimum wage because people who live in poverty, who work full-time should not still be in poverty. I want to make sure that women get equal pay for the work we do. I feel strongly we have to have an education system that starts with preschool and goes through college. That's why I want more technical education in high schools and community colleges, real apprenticeships to prepare people for the real jobs of the future. I want to make college debt free and for families making less than $125,000, you will not get a division bill from a public college or university if the plan that I worked on with Bernie Sanders is enacted.

And we're going to work hard to make sure that it is. Because we are going to go where the money is. Most of the gains in the last years since the great recession have gone to the very top. So we'll have the wealthy pay their fair share.

We'll have corporations make a contribution greater than they are now to our country. [I have] a plan that has been analyzed by independent experts which said that it could produce 10 million new jobs. By contrast, Donald's plan has been analyzed to conclude it might lose jobs. Why? Because his whole plan is to give the biggest tax breaks ever to the wealthy and to corporations adding $20 trillion to our debt and pausing the kind of dislocation that we have seen before because it truly will be trickle-down economics on steroids.

So the plan I have I think will actually produce greater opportunities. The plan he has will cost us jobs and possibly lead to another great recession.

Wallace: Secretary, thank you. Mr. Trump, why will your plan create more jobs and growth?

Trump: Her plan is going to raise taxes and even double your taxes. Her tax plan is a disaster. And she can say all she wants about college tuition and I'm a big proponent, we're going to do a lot of things for college tuition, but the rest of the public's going be paying for it. We'll have a massive, massive tax increase under Hillary Clinton's plan.

But I'd like to start off where we left because when I said Japan and Germany and I'm not to single them out, South Korea, these are very rich, powerful countries. Saudi Arabia, nothing but money. We protect Saudi Arabia. Why aren't they paying?

She immediately, when she heard this, I questioned and I questioned NATO, why aren't the NATO questions paying, because they weren't paying. Since I did this, a year ago, all of a sudden they're paying. I've been given a lot of credit for it. All of a sudden they're starting to pay up.

They have to pay up. We're protecting people. They have to pay up. I'm a big fan of NATO, but they have to pay up. She comes out and said, we love our allies, we think our allies are great. It's awfully hard to get them to pay up when you have somebody saying we think how great they are. We have to tell Japan in a very nice way, we have to tell Germany, all of these countries, South Korea, we have to say, you have to help us out. We have during his regime, during President Obama's regime, we've doubled our national debt. We're up to $20 trillion.

So my plan, we're going to re-negotiate trade deals. We'll have more free trade than we have right now, but we have horrible deals. Our jobs are being taken out. NAFTA, one of the worst deals ever. Our jobs are being sucked out of our economy. You look at all of the places that I just left, you go the Pennsylvania, you go to Ohio, you go to Florida, you go to any of them, upstate New York, our jobs have fled to Mexico and other places. We're bringing our jobs back. I'm going to renegotiate NAFTA.

And if I can't make a great deal, then we're going to terminate nafta and great new deals. We'll have trade, but we'll terminate it, we'll make a great trade deal. And if we can't, we're going to go a separate way because it has been a disaster.

We're going to cut taxes massively. We'll cut business taxes massively. They're going to start hiring people. We're going to bring the $2.5 trillion that's offshore back into the country. We're going to start the engine rolling again because right now our country is dying at 1 percent GDP.

Clinton: Let me translate that if I can, Chris. Because --

Trump: You can't.

Clinton: Fact is, he's going to advocate for the largest tax cuts we've ever seen.

Three times more than the tax cuts under the Bush administration. I have said repeatedly throughout this campaign, I will not raise taxes on anyone making $250,000 or less. I also will not add a penny to the debt. I have costed out what I'm going to do. He will, through his massive tax cuts, add $20 trillion to the debt. He mentioned the debt. We know how to get control of the debt.

When my husband was president, we went from a $300 billion deficit to a $200 billion surplus and we're actually on the path to eliminating the national debt. When President Obama came into office he inherited the worst economic disaster since the great depression. He has cut the deficit by two-thirds.

So yes, one of the ways you go after the debt. One of the ways you create jobs is by investing in people. I do have investments, investments in new jobs, investments in education, skill training and the opportunities for people who get ahead and stay ahead. That's the kind of approach --

Wallace: Secretary.

Clinton: That will work. Cutting taxes on the wealthy. We tried that. It has not worked the way that it has been --

Wallace: Secretary Clinton, I want to pursue your plan. Because in many ways it is similar to the Obama stimulus plan in 2009, which has led to the slowest GDP growth since 1949.

Trump: Correct.

Wallace: Thank you, secretary. You told me in July when we spoke that the problem is that president Obama didn't get to do enough in what he was trying to do with this stimulus. So is your plan basically even more of the Obama stimulus?

Clinton: Well, it's a combination, Chris. Let me say that when you inherit the level of economic catastrophe that president Obama inherited, it was a real touch and go situation.

I was in the senate before I became secretary of state. I've never seen people as physically distraught as the bush administration team was because of what was happening to the economy.

I personally believe that the steps that president Obama took saved the economy. He doesn't get the credit he deserves for taking some very hard positions, but it was a terrible recession. So now we've dug ourselves out of it. We're standing, but we're not yet running. So what I am proposing is that we invest from the middle out and the ground up, not the top down.

That is not going to work. That's why what I have put forward doesn't add a penny to the debt, but it is the kind of approach that will enable more people to take those new jobs, higher paying jobs.

We're beginning to see some increase in incomes and we certainly have had a long string of increasing jobs. We've got to do more to get the whole economy moving, and that's what I believe I will be able to do.

Wallace: Mr. Trump, even conservative economists who have looked at your plan say that the numbers don't add up, that your idea, and you've talked about 25 million jobs created, 4%.

Trump: Over a ten-year period.

Wallace: Growth is unrealistic. And they say you talk a lot about growing the energy industry. They say with oil prices as they are right now, that's unrealistic as well. Your response?

Trump: So I just left some high representatives of India. They're growing at 8 percent. China is growing at 7 percent. And that for them is a catastrophically low number. We are growing, our last report came out and it's right around the 1 percent level and I think it's going down. Last week, as you know, the end of last week, they came out with an anemic jobs report. A terrible jobs report. In fact, I said is that the last jobs report before the election? Because if it is, I should win easily. It was so bad. The report was so bad. Look, our country is stagnant. We've lost our jobs. We've lost our businesses.

We're not making things anymore, relatively speaking, our product is pouring in from China, pouring in from Vietnam, pouring in from all over the world. I've visited so many communities, this has been such an incredible education for me, Chris. I've gotten to know so many — I've developed so many friends over the last year. And they cry when they see what's happened. I pass factories that were thriving 20, 25 years ago and because of the bill that her husband signed and she blessed a hundred percent, it is just horrible what's happened to these people in these communities. She can say that her husband did well, but boy, did they suffer as NAFTA kicked in because it didn't really kick in very much but it kicked in after they left. Boy, did they suffer. That was one of the worst things that's ever been signed by our country. Now she wants to sign transpacific partnership.

She lied when she said she didn't call it the gold standard in one of the debates. She totally lied and they fact checked and said I was right.

Wallace: I want to give you a chance to briefly speak to that and I want to pivot to -- Trump: And that was -- Wallace: Obamacare. Clinton: Let me say, number one, when I saw the final agreement for TPP, I said I was against it. It didn't meet my test. I've had the same test. Does it create jobs, raise incomes and further our national security? I'm against it now, I'll be against it after the election, I'll be against it when I'm President.

There's only one of us on this stages that actually shipped jobs to Mexico because that's Donald. He shipped jobs to 12 countries including Mexico, but he mentioned China. One of the biggest problems we have with China is the illegal dumping of steel and aluminum into our markets.

I've fought against that as a senator, I stood up against it as secretary of state, Donald has bought Chinese steel and aluminum. The Trump Hotel here in las Vegas was made with Chinese steel. He goes around with crocodile tears about how terrible it is, but he has given jobs to Chinese steel workers, not American teal workers —

Wallace: Mr. Trump?

Trump: That's the kind of approach that's going to work. We'll pull the country together. We'll have trade agreements that we enforce. I'll have trade prosecutor for the first time in history. We're going to enforce those agreements and look for businesses that help us by buying American products.

I ask a simple question. She's been doing this for 30 years. Why didn't you do it over the last 15, 20 years? You were very much involved — excuse me, my turn. You were very much involved in every aspect of this country, very much.

And you do have experience. I say the one thing you have over me is experience, but it's bad experience because what you've done is turned out badly. For 30 years you've been in a position to help and if you say that I used theater or I use something else make it impossible for me to do that.

You talk, but you don't get anything done, Hillary. You don't, just like when you ran the state department, $6 billion is missing. How do you miss $6 billion? You ran the state department. It was either stolen, they don't know, it's gone — 6 billion. If you become president, this country is going to be in some mess, believe me.

Clinton: Well, first of all, what he just said about the state department is not only untrue, it's been did you debunked numerous times. But I think it's really an important issue he raised the 30 years of experience.

Let me just talk briefly about that. You know, back in the 1970s, I worked for Children's Defense Fund, and I was taking on discrimination against African-American kids in schools. He was getting sued by the Justice Department for racial discrimination in his apartment buildings.

In the 1980s, I was working to reform the schools in Arkansas. He was bore rogue $14 million from his father to start his businesses. In the 1990s, I went to Beijing and I said women's rights are human rights. He insulted a former miss universe, Alicia Machado, called her an eating machine.

Trump: Give me a break.

Clinton: And on the day when I was in the situation room, monitoring the raid that brought Osama bin Laden to justice, he was host "The Celebrity Apprentice." So I'm happy to compare my 30 years of experience, what I've done for this country, trying to help in every way I could, especially kids and families get ahead and stay ahead with your 30 years. And I'll let the American people make that decision.

Trump: Well, I think I did a much better job. I built a massive company, a great company, some of the greatest assets anywhere in the world worth many, many billions of dollars. I started with a $1 million loan. I agree with that. It's a $1 million loan. But I built a phenomenal company. And if we could run our country the way I've run my company, we would have a country that you would be so proud of, you would even be proud of it.

And frankly, when you look at her real record, take a look at Syria. Take a look at the migration. Take a look at Libya. Take a look at Iraq. She gave us ISIS because her and Obama created this small vacuum. A small group came out of that huge vacuum. We should have never been in Iraq. But once we were there, we never should have got out the way they wanted to get out. She gave us ISIS as sure as you are sitting there. And what happened is now ISIS is in 32 countries. And now I listen how she is going to get rid of ISIS. She is going to get rid of nobody.

Wallace: All right. We are going to get to foreign hot spots in a few moments. But the next segment is fitness to be president of the United States. Mr. Trump, at the last debate you said your talk about grabbing women was just that, talk, and that you had never actually done it. And since then, as we all know, nine women have come forward and said you either groped them or kissed them without their consent. Why would so many different women from so many different circumstances over so many different years, why would they all in this last couple of weeks make up -- you deny this. Why would they all make up these stories. And since this is a question for both of you, secretary Clinton, Mr. Trump says what your husband did and that you defended was even worse. Mr. Trump, you go first.

Trump: Well, first of all, those stories have been largely debunked. Those people, I don't know those people. I have a feeling how they came. I believe it was her campaign that did it. Just like if you look at what came out today on the clips where I was wondering what happened with my rally in Chicago and other rallies where we had such violence. She is the one — and Obama — that caused the violence. They hired people. They paid them $1500 and they're on tape saying be violent, cause fights, do bad things. I would say the only way, because the stories are all totally false. I have to say that. And I didn't even apologize to my wife who is sitting right here because I didn't do anything. I didn't know any of these women. I didn't see these women. These women, the woman on the plane, I think they want either fame or her campaign did it. And I think it's her campaign. When I saw what they did, which is a criminal act, by the way, where they're telling people to go out and start fistfights and start violence, I tell you what, in particular in Chicago, people were hurt and people could have been killed in that riot.

And that was now all on tape started by her. I believe, Chris, that she got these people to step forward. If it wasn't, they get their ten minutes of fame. But they were all totally — it was all fiction. It was lies and it was fiction.

Wallace: Secretary Clinton?

Clinton: Well, at the last debate we heard Donald talking about what he did to women. And after that a number of women have come forward saying that's exactly what he did to them. Now what was his response? Well, he held a number of big rallies where he said that he could not possibly have done those things to those women because they were not attractive enough for --

Trump: I did not say that. I did not say that.

Clinton: In fact, he went on to say --

Wallace: Sir, her two minutes.

Trump: I did not say that.

Wallace: Her two minutes.

Clinton: He went on to say look at her. I don't think so. About another woman, he said that wouldn't be my first choice. He attacked the woman reporter writing the story, called her disgusting as he has called a number of women during this campaign. Donald thinks belittling women makes him bigger. He goes after their dignity, their self-worth, and I don't think there is a woman anywhere who doesn't know what that feels like.

So we now know what Donald thinks and what he says and how he acts towards women. That's who Donald is. I think it's really up to all of us to demonstrate who we are and who our country is and to stand up and be very clear about what we expect from our next president, how we want to bring our country together where we don't want to have the kind of pitting of people one against the other, where instead we celebrate our diversity, we lift people up.

And we make our country even greater. America is great because America is good. And it really is up to all of us to make that true, now and in the future in particular for our children and our grandchildren.

Wallace: Mr. Trump --

Trump: Nobody has more respect for women than I do. Nobody. Nobody has more respect.

[Audience Reaction]

Wallace: Please, everybody.

Trump: And frankly, those stories have been largely debunked. And I really want to talk about something slightly different. She mentions this. Which is all fiction, all a fictionalized. Probable or possibly started by her and her very sleazy campaign. But I will tell you what isn't fictionalized are her e-mails where she destroyed 33,000 e-mails criminally, criminally, after getting a subpoena from the United States Congress.

What happened to the FBI? I don't know. We have a great general, four-star general today. You read it in all the papers, going to potentially serve five years in jail for lying to the FBI. One lie. She's lied hundreds of times to the people, to congress, and to the FBI. He is going to probably go to jail. This is a four-star general. And she gets away with it, and she can run for presidency of the United States? That's really what you should be talking about. Not fiction where somebody wants fame or where they come out of their crooked campaign.

Wallace: Secretary Clinton?

Clinton: Well, every time Donald has pushed on something which is obviously uncomfortable like what these women are saying, he immediately goes to denying responsibility. And it's not just about women. He never apologizes or says he is sorry for anything. So we know what he has said and what he has done to women. But he also went after a disabled reporter —

Trump: Wrong.

Clinton: He mocked and Mr and Mrs. Khan on national television. He went after Mr. And Mrs. Khan, the parents of Han who died serving our country, a gold star family because of their religion. He went after John McCain, a prisoner of war. Said he prefers people who aren't captured. He went after a federal judge, born in Indiana but who Donald said couldn't be trusted to try the fraud and racketeering case against Trump University because his parents were Mexican.

So it's not one thing. This is a pattern, a pattern of divisiveness of a very dark and in many ways dangerous vision of our country where he incites violence, where he applauds people who are pushing and pulling and punching at his rallies. That is not who America is. And I hope that as we move in the last weeks of this campaign, more and more people will understand what's at stake in this election. It really does come down to what kind of country we are going to have.

Trump: So sad when she talks about violence at my rallies and she caused the violence. It's on tape. Now the other things are false, but honestly, I'd love to talk about getting rid of ISIS. And I'd love to talk about other things.

Wallace: Okay.

Trump: But the other charges as she knows are frauds.

Wallace: In this bucket about fitness to be president, there has been a lot of developments over the last ten days since the last debate. I'd like to ask you about them. These are questions that the American people have. Secretary Clinton, during your 2009 senate confirmation hearing, you promised to avoid even the appearance of a conflict of interest with your dealing with the Clinton Foundation while you were secretary of state. But e-mails show that donors got special access to you.

Those seeking grants for Haiti relief were considered simply from non-donors, and some of those donors got contract, government contracts, active money. Can you really say you kept your pledge to that senate committee, and what happened and what went on between you and the Clinton foundation. Why isn't it what Mr. Trump calls pay to play.

Clinton: Well, everything I did as secretary of state was in furtherance of our country's interests and our values. The state department said that. I think that's been proven. But I am happy. In fact, I am thrilled to talk about the Clinton Foundation.

Because it’s a world-renowned charity. I'm so proud of the work it does. I could talk for the rest of the debate. I know I don't have the time to do that. But just briefly, the Clinton foundation made it possible for 11 million people around the world with HIV/AIDS to afford treatment. That's about half of all the people in the world who are getting treatment.

Wallace: Secretary Clinton --

Clinton: In partnership with the American Health Association, we have made environments in schools including healthier lunches.

Wallace: Secretary, respectfully, this is an open discussion.

Clinton: Well it is.

Wallace: I asked a specific question, pay or the play.

Clinton: But there is no evidence --

Wallace: Let's ask Mr. Trump.

[ Overlapping dialog ]

Trump: It's a criminal enterprise. Saudi Arabia giving $25 million. Qatar, all of these companies. You talk about women and women's rights. So these are people that push gays off buildings. These are people that kill women and treat women horribly. And yet you take their money. So I'd like to ask you right now why don't you give back the money that you have taken from certain countries that treat certain groups of people so horribly? Why don't you give back the money?

I think it would be great gesture. Because she takes a tremendous amount of money. And you take a look at the people of Haiti. I was in little Haiti the other day in Florida. And I want to tell you, they hate the Clintons because what's happened in Haiti with the Clinton Foundation is a disgrace. And you know it and they know it and everybody knows it.

Wallace: Secretary Clinton?

Clinton: Well, very quickly at the Clinton Foundation spend 90% of all the money that is donated on behalf of programs around the world and in our own country. I'm very proud of that. We are the highest rating from the watchdogs that follow foundations.

And I'd be happy to compare what we do with the Trump Foundation, which took money from other people and bought a six-foot portrait of Donald. I mean, who does that? It just was astonishing. But when it comes to Haiti, Haiti is the poorest country in our hemisphere. The earthquake and the hurricane, it has devastated Haiti.

Bill and have I been involved in trying to help Haiti for many years. The Clinton Foundation raised $30 million to help Haiti after the catastrophic earthquake and all of the terrible problems the people there had. We've done things to help small businesses, agriculture, and so much else. And we're going to keep working to help Haiti because it's an important part of the American experience.

Trump: I'd like to mention one thing: Trump Foundation, small foundation. People contribute. I contribute. The money — 100% goes to different charity, including a lot of military. I don't get anything. I don't buy boats. I don't buy planes. What happens, the money goes in —

Wallace: Wasn't some of the money used to settle your lawsuit, sir?

Trump: No, we put up the American flag. And that's it. They put up the American flag. We fought for the right in palm beach to put up the American flag.

Wallace: But there was a penalty imposed by Palm Beach County.

Trump: There was.

Wallace: The money came from your foundation.

Trump: There was.

Wallace: Instead of Mar-a-Lago.

Trump: Went to Fisher House, where they build houses, the money that you're talking about went to Fisher House, where they build houses for veterans and disabled.

Clinton: But of course there is no way we can know whether any of that is true because he hasn't released his tax returns. He is the first candidate ever to run for president in the last 40 plus years who has not released his tax returns. Serving what he says about charity or anything else we can't prove it. You can look at our tax returns. We've got them all out there. But what is really troubling is that we learned in the last debate he has not paid a penny in federal income tax. And we were talking about immigrants a few minutes ago, Chris. Half of all immigrants, undocumented immigrants in our country actually pay federal income tax. We have undocumented immigrants in America who are paying more federal income tax than a billionaire. I find that just astonishing.

Trump: We're entitled because of the laws that people like her passed to take massive amounts of depreciation and other charges, and we do it. And all of our donors, just about all of them, I know [Warren] Buffett took hundreds of millions of dollars, George Soros took hundreds of millions of dollars. Let me just explain.

Wallace: We heard this.

Trump: Most of her donors have done the same thing as I do.

Wallace: Folks we have heard this.

Trump: Hillary, what you should have done, you should have changed the law when you a United States senator.

Wallace: We heard this.

Trump: Because your donors and your special interests are doing the same thing as I do, except even more. So you should have changed the law, but you won't change the law because you take in so much money. I mean, I sat in my apartment today on a very beautiful hotel down the street.

Clinton: Made with Chinese steel.

Trump: I will tell you, I sat there watching ad after false ad, all paid for by your friends on wall Street that gave so much money because they know you're going to protect them. And frankly, you should have changed the laws. If you don't like what I did, you should have changed the laws.

Wallace: Mr. Trump, I want to ask you about one last question in this topic. You have been warning at rallies recently that this election is rigged and that Hillary Clinton is in the process of trying to steal it from you. Your running mate Governor Pence pledged on Sunday that he and you, his words, will absolutely accept the result of this election. Today your daughter Ivanka said the same thing. I want to ask you here on this stage tonight do, you make the same commitment that you will absolutely, sir, that you will absolutely accept the result of this election?

Trump: I will look at it at the time. I'm not looking at anything now. I will look at it at the time. What I've seen, what I've seen is so bad. First of all, the media is so dishonest and so corrupt. And the pile-on is so amazing. The New York Times actually wrote an article about it, that they don't even care. It's so dishonest. And they have poisoned the minds of the voters. But unfortunately for them, I think the voters are seeing through it. I think they're going to see through it. We'll find out on November 8.

Wallace: But sir —

Trump: Excuse me, Chris, if you look at your voter rolls, you will see millions of people registered to vote. This isn't coming from me, from fury report and other places. Millions of people that are registered to vote that shouldn't be registered to vote.

So let me just give you one other thing as I talk about the corrupt media. I talk about the millions of people. I tell you one other thing. She shouldn't be allowed to run. She's guilty of a very, very serious crime. She should not be allowed to run. And just in that respect I say it's rigged. Because she should never -- Chris, she should never have been allowed to run for the presidency based on what she did with e-mails and so many other things.

Wallace: Sir, there is a tradition in this country, in fact one of the primes of this country is the peaceful transition of power. And that no matter how hard fought a campaign is, that at the end of the campaign, that the loser concedes to the winner. Not saying that you're necessarily going to be the loser or the winner. But that the loser concedes to the winner, and that the country comes together in part for the good of the country. Are you saying you're not prepared now to commit to that principle?

Trump: What I'm saying is I'll tell you at the time. I'll keep you in suspense, okay?

Clinton: Let me respond to that, because that's horrifying.

Every time Donald thinks things are not going in his direction, he claims whatever it is is rigged against him. The FBI conducted a year-long investigation into my e-mails. They concluded there was no case. He said the FBI was rigged. He lost the Iowa caucus. He lost the Wisconsin primary.

He said the Republican primary was rigged against him. Then Trump University gets sued for fraud and racketeering. He claims the court system and the federal judge is rigged against him. There was even a time when he didn't get an Emmy for his TV program three years in a row and he started tweeting that the Emmys were rigged.

Trump: Should have gotten it.

Clinton: This is a mind-set. This is how Donald thinks. And it's funny, but it's also really troubling.

Trump: Okay.

Clinton: Now that is not the way our democracy works. We've been around for 240 years. We've had free and fair election. We've accepted the outcomes when we may not have liked them. And that is what must be expected of anyone standing on a debate stage during a general election. You know, president Obama said the other day when you're whining --

Wallace: — Hold on, folks, hold on, folks.

Clinton: Before you're even finished, it shows you're not up to doing the job. And let's, you know, let's be clear about what he is saying and what that means. He is denigrating, he is talking down our democracy.

And I for one am appalled that somebody who is the nominee of one of our two major parties would take that kind of position.

Trump: I think what the FBI did and the Department of Justice did including meeting with her husband, the attorney general in the back of an airplane on the tarmac in Arizona, I think it's disgraceful. I think it's a disgrace.

Wallace: All right.

Trump: I think we've never had a situation so bad as. This.

Wallace: Hold on, folks. This doesn't do any good for anyone. Let's please continue the debate and move on to the subject of foreign hot spots. The Iraqi defensive to take back Mosul has begun. If they're successful in pushing ISIS out of that city and out of all of Iraq, the question then becomes what happens the day after. And that's something that whichever -- whoever of you ends up as president is going to have to confront. Will you put U.S. troops into that vacuum to make sure ISIS doesn't come back or isn't replaced by something even worse? Secretary Clinton, you go first in this segment. You have two minutes.

Clinton: Well, I am encouraged that there is an effort led by the Iraqi army, supported by Kurdish

forces and also given the help and advice from the number of special forces and Americans on the ground. I will not support putting American forces into Iraq as a force. I don't think that is in our interest and I don't think it would be smart to do. Chris, I think that would be a big red flag waving for ISIS to reconstitute itself. The goal here is to take back Mosul. It's going to be a hard fight. I've got no illusions about that. And then continue to press into Syria to begin to take back and move on Raqqah, which is the ISIS headquarters.

I am hopeful that the hard work that American military advisers have done will pay off, and that we will see a really successful military operation. But we know we've got lots of work to do. Syria will remain a hotbed as terrorism as long as the civil war aided and abetted by the Iranians and the Russians continue.

So I have said look, we need to keep our eye on ISIS. That's why I want to have an intelligence surge that protect us here at home while we have to go after them from the air, on the ground, online. Why we have to make sure here at home we don't let terrorists buy weapons. If you're too dangerous to fly, you're too dangerous to buy a gun. And I'm going to continue to push for a no-fly zone and safe havens within Syria. Not only to help protect the iranians and prevent the constant outflow of refugees, but to frankly gain some leverage on both the Syrian government and the Russians so that perhaps we can have the kind of serious negotiation necessary to bring the conflict to an end and go forward on a political track.

Wallace: Mr. Trump, same question. If we are able to push ISIS out of mosul and out of Iraq, would you be willing to put U.S. Troops in there to prevent their return or something else?

Trump: Let me tell you, Mosul is so sad. We had Mosul. But when she left, she took everybody out, we lost Mosul. Now we're fight again to get Mosul. The problem with Mosul and what they wanted to do is they wanted to get the leaders of ISIS who they felt were in Mosul. About three months ago, I started reading that they want to get the leaders. And they're going to attack Mosul. Whatever happened to the element of surprise? Okay? We announce we're going after Mosul. I've been reading about going after mosul now for how long? Three months? These people have all left. They've all left. The element of surprise. Douglas MacArthur, George Patton spinning in their graves when they see the stupidity of our country. So we're now fighting for mosul that we had. All she had to do is stay there. Now we're going in to get it. But you know who is big winner in mosul is going to be after we eventually get it? And the only reason they did it is because she is running for the office of president, and they want to look tough. They want to look good.

He violated the red line in the sand. And he made so many mistakes. Made all mistakes. That's why we have the great migration. But she wanted to look good for the election. So they're going in. But who is going to Mosul, really? By the way, much tougher than they thought.

Much tougher, going to be more deaths than they thought. But the leaders we wanted to get are all gone because they're smart. They said what do we need this for? So Mosul is going to be a wonderful thing, and Iran should write us a letter of thank you, just like really stupid, the stupidest deal of all time.

A deal that is going to give Iran absolutely nuclear weapons. Iran should write us yet another letter saying thank you very much. Because Iran, as I said many years ago, Iran is taking over Iraq. Something they've wanted to do forever. But we've made it so easy for them. So we're now going to take Mosul. And you know who is going to be the beneficiary? Iran. Boy are they making — I mean, they are outsmarting. Look, you're not there. You might be involved in that decision. But you were there when you took everybody out of Mosul and out of Iraq. You shouldn't have been in Iraq. But you did vote for it. You shouldn't have been in Iraq. But once you were in Iraq, you should have never left the way.

Wallace: Sir, your two minutes are up.

Trump: The point is the winner is going to be Iran.

Clinton: Well, once again, Donald is implying that he didn't support the invasion of Iraq. I said it was a mistake. I said that years ago. He has consistently defined knight --

Trump: Wrong.

Clinton: What is a very clear fact.

Trump: Wrong.

Clinton: That before the invasion he supported it. I just want everybody to go Google it. Google Donald Trump Iraq and you will see the dozens of sources which verify that he was for the invasion of Iraq.

Trump: Wrong.

Clinton: And you can actually hear the audio of him saying that. Now why does that matter? Well, it matters because he has not told the truth about that position. I guess he believes it makes him look better now to contrast with me because I did vote for it. What's really important here is to understand all the interplay. Mosul is a Sunni city. Mosul is on the border of Syria. And yes, we do need to go after Baghdadi, just like we went after bin laden while you were doing Celebrity Apprentice, and we brought him to justice. We need to go after the leadership, but we need to get rid of them, get rid of their fighters, their estimated several thousand fighters in Mosul.

They've been digging underground. They've been prepared to defend. It's going to be tough fighting. I think we can take back mosul and move on into Syria and take bacharach ca. This is what we have to do. I'm just amazed that he seems to think that the Iraqi government and our allies and everybody else launched the attack on mosul to help me in this election. But that's how Donald thinks, you know. Looking for some --

Trump: Chris, we don't gain anything. Iran is taking over Iraq.

Wallace: Secretary Clinton --

Trump: Iran is taking over Iraq.

Wallace: Secretary Clinton --

Trump: We would have gained if we had surprise.

Wallace: Secretary Clinton, it's an open discussion. Secretary, secretary, please let Mr. Trump speak. Go ahead.

Clinton: And he proves it every time he talks.

Trump: No, you are the one that is unfit. Wikileaks just came out. John Podesta said some horrible things about you. And boy was he right. He said some beauties. And you know, Bernie Sanders, he said you have bad judgment. You do. And if you think that going into mosul after we let the world know we're going in and all of the people that we really wanted, the leaders, they're all gone. If you think that was good, then you do. Now John Podesta said you have terrible instincts. Bernie Sanders said you have bad judgment. I agree with both.

Clinton: Well, you should ask Bernie Sanders who he is supporting for president. And he has said --

Trump: Which is a big mistake.

Clinton: And campaigned for me around the country. You the most dangerous person to run for president in the modern history of America. I think he is right.

Wallace: Let's turn to Aleppo. Mr. Trump, in the last debate, you were both asked about the situation in the Syrian city of Aleppo. And I want to follow up on that because you said several things in that debate which were not true, sir. You said that Aleppo has basically fallen. In fact, there are — it's a catastrophe.

Trump: It is a catastrophe.

[Crosstalk]

Wallace: Are a quarter million people still living there and being slaughtered.

Trump: That's right. And they're being slaughtered because of bad decisions.

Wallace: If I may just finish here. And you also said that ISIS -- that Syria and Russia are busy fighting ISIS. In fact, they have been the ones who have been bombing and shelling eastern Aleppo. And they just announced a humanitarian pause, in effect admit Thanksgiving have been bombing and shelling Aleppo. Would you like to clear that up, sir?

Trump: Well, Aleppo is a disaster. It's a humanitarian nightmare. But it has fallen from any standpoint. Whether you need to sign a document, take a look at Aleppo. It is so sad when you see what's happened. And a lot of this is because of Hillary Clinton. Because what has happened, by fighting Assad, who turned out to be a lot tougher than she thought, and now she is going to say oh, he loves Assad, he's just much tougher and much smarter than her and Obama. And everyone thought he was gone two years ago, three years ago. He aligned with Russia. He now also aligned with Iran. Who we made very powerful. We gave them $150 billion back. We give them $1.7 billion in cash. I mean cash, bundles of cash as big as this stage. We gave them $1.7 billion.

Now they have aligned, he has aligned with Russia and with Iran. They don't want ISIS. But they have other things because we're backing, we're backing rebels. We don't know who the rebels are. We're giving them lots of money, lots of everything. We don't know who the rebels are. And when and if, and it's not going to happen because you have Russia and you have Iran now. But if they ever did overthrow Assad, you might end up as bad as Assad is, and he is a bad guy.

But you may very well end up with worse than Assad. If she did nothing, we'd be in much better shape. And this is what has caused the great migration where she has taken in tens of thousands of Syrian refugees who probably in many case, not probably, who are definitely in many cases ISIS aligned. And we now have them in our country and wait until you see this is going to be the great Trojan horse.

And wait until you see what happens in the coming years. Lots of luck, Hillary. Thanks a lot for doing a great job.

Wallace: Secretary Clinton, you have talked about in the last debate and again today that you would impose a no-fly zone to try to protect top the killing there. President Obama has refused to do that because he fears it's going to draw us closer, deeper into the conflict. And general Joseph Dunford, the chairman of the joint chiefs of staff there says you want to impose a no-fly zone, chances are you're going to get into a war, his words, with Syria and Russia. So the question I have, if you impose a no-fly zone, first of all, how do you respond to their concerns? Secondly, if you impose a no-fly zone and a Russian plane violates that, does president Putin shoot that plane down?

Clinton: First of all, I think a no-fly zone could save lives and could hasten the end of the conflict. I'm well aware of the really legitimate concerns you have expressed from both the president and the general. This would not be done just on the first day. This would take a lot of negotiation, and it would also take making it clear to the Russians and the Syrians that our purpose here was to provide safe Zones on the ground.

We've had millions of people leave Syria. And those millions of people inside Syria who have been dislocated. So I think we could strike a deal and make a it very clear to the Russians and the Syrians that this was something that we believe was in the best interests of the people on the ground in Syria. It would help was our fight against ISIS. But I want to respond to what Donald said about refugees. He has made these claims repeatedly. I am not going to let anyone into this country who is not vetted, who we do not have confidence in.

But I'm not going to slam the door on women and children. That picture of that little 4-year-old boy in Aleppo with the blood coming down his face while he sat in an ambulance is haunting. And so we are going to do very careful, thorough vetting that does not solve our internal challenges with ISIS and our

need to stop radicalization, to work with American Muslim communities who are on the front lines to identify and prevent attacks. In fact, the killer of the dozens of people at the nightclub in Orlando, the pulse nightclub was born in queens, the same place Donald was born. So let's be clear about what the threat is and how we are best going to be able to meet it. And yes, some of that threat emanates from over in Syria and Iraq, and we've got to keep fighting. And I will defeat ISIS. And some of it is we have to up our game and be much smarter here at home.

Wallace: I want to get into our final segment.

Trump: But I just have to, it's so ridiculous. She will defeat ISIS. We should have never let ISIS in the first place. And right now they're in 32 countries. Wait, one second. They have, and a ceasefire three weeks ago. A ceasefire, United States, Russian, Syria. And during the ceasefire, Russia took over vast swatches of land and then said we don't want the ceasefire anymore. We're so outplayed on missiles, on ceasefires. She was not there so I assume she has nothing to do with it. But our country is so outplayed by Putin and Assad and by Iran. Nobody can believe how stupid our leadership is.

Wallace: Mr. Trump, Secretary Clinton, we need to move on to our final segment. And that is the national debt, which has not been discussed until tonight. Our national debt a share of gdp is now 70 percent. That's the highest since just after World War II. But the nonpartisan Committee for Responsible Budget says Secretary Clinton, under your plan, debt would rise to 86 percent of GPD over the next 10 years. Mr. Trump, under your plan, they say it would rise to 105 percent of GDP over the next 10 years. Question is, why are both of you ignoring this problem? Mr. Trump, you go first.

Trump: I say they're wrong because I'm going to create tremendous jobs. And we're bringing gdp from really 1 percent, which is what it is now. And if she got in it would be less than zero. But we're bringing it from 1 percent up to 4 percent. I think you can go higher, to 5 or 6 percent. We have a tremendous machine. We will have created a tremendous economic machine. To do that, we're taking back jobs. We're not going to let our countries be raided by other countries where we don't make our product anymore. It's very sad. I'm going to create a kind of country that we were from the standpoint of industry. We used to be there. We have given it up. We have become very, very sloppy. We've had people that are political ax making the biggest deal in the world. Bigger than companies. You take these big companies.

These trade deals are far bigger than companies. Yet we don't use our great leaders. Many of whom back me and many of whom back Hillary, I must say. But we don't use those people. These are the greatest negotiators in the world. We are the greatest business people in the world. We have to use them to negotiate our trade deals. We use political hacks. We use people that get the position because they made a campaign contribution. And they're dealing with China and people who have very much smarter than they are. We have to use our great people. We will create an economic machine the likes of which we haven't seen in many decades. And people, Chris, will again go back to work. And they'll make a lot of money. And we'll have companies that will grow and expand and start from new.

Wallace: Secretary Clinton?

Clinton: Well, first when I hear Donald talk about that and his slogan is “Make America Great Again.” I wonder when he thought America was great. And before he rushes and says “Before you and president Obama were there,” I think it's important to recognize that he has been criticizing our government for decades. You know, back in 1987, he took out a $100,000 ad in the New York Times during the time when President Reagan was president and basically said exactly what he just said now, that we were the laughingstock of the world.

He was criticizing President Reagan. This is the way Donald thinks about himself, puts himself into, you know, the middle and says I alone can fix it, as he said on the convention stage. But if you look at the debt, which is the issue you asked about, Chris, I pay for everything I'm proposing.

I do not add a penny to the national debt. I take that very seriously because I do think it's one of the issues we've got to come to grips with.

So when I talk about how we're going to pay for education, how we're going to invest in infrastructure, how we're going to get the cost of prescription drugs down, and a lot of the other issues that people talk to me about all the time, I've made it very clear, we are going where the money is.

We are going to ask the wealthy corporations to pay their fair share. And there is no evidence whatsoever that that will slow down or diminish our growth. In fact, I think just the opposite. We'll have what economists call middle outgrowth. We've got to get back to rebuilding the middle class. The families of America. That's where growth will come from. That's why I want to invest in you. I want to invest in your family. And I think that's the smartest way to grow the economy, to make the economy fairer. And we just have a big disagreement about this. It may be because of our experience. He started off with his dad as a millionaire. I started off with my dad as a small businessman.

Trump: We've heard this before. We've heard this before.

Clinton: I think it's a difference that affects how we see the world and what we want to do with the economy.

Wallace: Time.

Trump: Thank you, Hillary. Could I just respond?

Wallace: Well, no. Because we're running out of time.

Trump: Reagan was very strongly on trade. I disagreed with him. We should have been much tougher on trade even then. I've been waiting for years. Nobody does it right. And frankly now we're going to do it right.

Wallace: The one last area I want to get into in this debate is the fact that the biggest driver of our debt is entitlements, which is 60 percent of all federal spending. Now the committee for federal — responsible federal budget has looked at both of your plans and they say neither of you has a serious plan that is going to solve the fact that Medicare is going to run out of money in the 2020s. Social Security is going to run out of money in the 2030s. And at that time, recipients are going to take huge cuts in their benefits.

So in effect, the final question I want to ask you in this regard, and let me start with you, Mr. Trump, would President Trump make a deal to save Medicare and Social Security that included both tax increases and benefit cuts in effect a grand bargain on entitlements?

Trump: I'm cutting tax. We're going to grow the economy. It's going grow at a record rate.

Wallace: But that's not going to help entitlements.

Trump: It's going to totally help you. And one thing we have to do, repeal and replace the disaster known as Obamacare. It's destroying our country. It's destroying businesses. We have to repeal and replace Obamacare. You take a look at the kind of numbers that that will cost us in the year '17.

It is a disaster. If we don't repeal and replace it's probably going to die of its own weight. But Obamacare has to go. It's — the premiums are going up 60, 70, 80 percent.

Next year they're going to go up over 100 percent. And I'm really glad that the premiums have started at least the people see what is happening because she wants to keep Obamacare. And she wants to make it's even worse. And it can't get any worse. Bad Hillary Clinton — at the most we have to repeal and replace.

Wallace: Secretary Clinton, same question. At this point, social security and medicare are going to run out. Will you as president consider a grand bargain, a deal that includes both tax increases and benefit cuts to try to save both fronts?

Clinton: I want to enhance benefits for low income workers and for women who have been disadvantaged by the current social security system. But what Donald is proposing with the massive tax cuts will result in a $20 trillion national debt — that will have dire consequences for social security and medicare. And I'll say something about the Affordable Care Act, which he wants to repeal: The Affordable Care Act extended the solvency of the Medicare trust fund. So if he repeals it, our Medicare problem gets worse.

Trump: Your husband disagrees with you.

Clinton: The long-term health care drivers. We've got to get costs down, increase value, emphasize wellness. I have a plan for doing that. And I think that we will be able to get entitle spending under control by with more resources and smarter decisions. Wallace: This is the final time probably to both of your delight that you're going to be on stage together in this campaign. I would like to end it on a positive note, that you had not agreed to closing statements. But it seems to me in a funny way that might make it more interesting, because you haven't prepared closing statements. So I would like you each to take — we're going to put a clock up, a minute, as the final question and the final debate to tell the American people why they should elect you to be the next president. This is another new mini segment. Secretary Clinton, it's your turn to go first.

Clinton: Well, I would like to say to everyone watching tonight, that I'm reaching out to all Americans — Democrats, Republicans and Independents — because we need everybody to help make our country what it should be to grow the economy, to make it fairer, to make it work for everyone. We need your talents, your skills, your commitment, your energy, your ambition. I've been privileged to see the presidency up close.

And I know the awesome responsibility of protecting our country and the incredible opportunity of working to try to make life better for you. I have made the cause of children and families really my life's work.

That's what my mission will be in the presidency. I will stand up for families against powerful interests, against corporations. I will do everything that I can to make sure that you have good jobs with rising incomes, that your kids have good educations from preschool through college. I hope you will give me a chance to serve as your president.

Wallace: Secretary Clinton, thank you. Mr. Trump?

Trump: She is raising the money from the people she wants to control. It doesn't work that way. When I started this campaign, I started it very strongly. It's called make America great again.

We're going to make America great. We have a depleted military. It has to be helped. It has to be fixed. We have the greatest people on Earth in our military.

Well don't take care off our veterans. We take care of illegal immigrants better than we take care of our military. That can't happen. Our policemen and women are disrespected. We need law and order, but we need justice too. Our inner cities are a disaster. You get shot walking to the store. They have no education, they have no jobs. I will do more for African Americans and Latinos than she can ever do in ten lifetimes. All she has done is talk to the African Americans and to the Latinos.

But they get the vote and then they come back — they say we'll see you in four years. We are going to make America strong again. And we are going to make America great again. And it has to start now. We cannot take four more years of Barack Obama. And that's what you get when you get her.

Wallace: Thank you, both. Secretary Clinton — hold on just a moment, folks — Secretary Clinton, and Mr.Trump, I want to thank you both for participating in all three of these debates that brings to an end this year's debate sponsored by the commission on presidential debates.

We want to thank the University of Nevada, Las Vegas and its students for having us. Now the decision is up to you.

Well, millions have already voted election day, November 8th is just 20 days away. One thing everyone here can agree on. We hope you will go vote. It's one of the honors and obligations of living in this great country. Thank you and good night.

미국 대통령 선거 결과 9일 오후나 저녁에... 혹, 트럼프가 당선되면?

아래 '좋아요'를 눌러주시면 

관련 주제에 대해 계속 포스팅 합니다.

('좋아요'는 가입 안해도 눌러집니다.^^)

(다시보기 제공사이트 https://www.c-span.org/presidentialDebate/?debate=third)

힐러리 대 트럼프의 미국 대선 3차 텔레비젼 토론회가 한국시간 20일 10시부터 네바다주 라스베가스 네바다 대학에서 열린다. 

로그인이나 가입이 필요없는 인터넷 사이트와 유튜브를 통해서도 생방송 라이브 스트림 으로 볼수 있다. (아래 주소 참조) 1차토론회와 마찮가지로 15분씩 6개 분야를 다루어 90분간 열린다. 대통령으로써 적합성, 부채와 권리, 이민층에 대한 주요정책, 이메일 및 성추행 스캔들 까지 치열한 토론이 열릴예정이다. 

현재까지 여론조사결과를 바탕으로 힐러리 클린턴이 이길 확률을 98%까지 예상하는 뉴욕타임즈를 비롯한 미국 언론도 있다. 역사적으로 3차 토론 시점에서 앞서는 후보를 역전하는 경우는 거의 없었다. 

힐러리 클린턴은 선거인단 260명까지 확보 했으며 통상 270명까지 확보하면 당선이 확실시 된다고 할 수 있다. 트럼프는 170명을 확보했다. 텍사스와 노스캐롤라이나는 트럼프를 지지하는 유권자가 많은 지역이었으나 음담패설과 성추행 스캔들 이후 경함지역으로 돌아섰다. 

그러나 트럼프는 약 35%의 콘크리트 지지율이 있다. 미국은 투표율이 낮기 때문에 두 비호감 후보가 민주당과 공화당에서 각각 유권자 들의 투표 참석을 얼마나 이끌어 낼 것인가가 관건이 될 수 있다. 

여론조사와 설문조사에서는 힐러리가 우세하지만, 아직도 트럼프의 가능성에 대해 언급하는 의견들을 무시할 수는 없다. 할리우드의 대표적인 진보진영 인사로 분류되는 마이클 무어 감독은 사람들은 직접 물어보면 힐러리를 지지한다고 할 수 있으나 속마음은 다를 수도 있다고 언급한 바 있다. 그 동안 집계되지 않아 드러나지 않던 '트럼프가 대통령이 되면 어떻게 될까?'라는 호기심을 가진 유권자들의 표도 무시할 수 없다는 것이다. 

미대선 3차 토론회에서 힐러리가 승리를 위한 확고한 기반을 다질 것인지 트럼프가 역전의 기회를 노려볼 수 있을지 관심이 증폭된다. 트럼프는 마지막 까지 승리를 위해서 토론에 임할지 아니면 출구전략을 고려하여 선거에 패배한 이후를 대비한 자세를 취할지 관찰해 보는 것도 관전 포인트이다. 

[미국 대선 트럼프 vs. 힐러러 유튜브 라이브 스트리밍]

힐러리 대 트럼프 미대선 3차토론의 로그인이나 사이트 가입이 필요없는 

인터넷 라이브 방송은 아래 사이트에서도 바로 볼 수 있다. 

https://www.c-span.org/presidentialDebate/

아래 '좋아요'를 눌러주시면 

관련 주제에 대해 계속 포스팅 합니다.

('좋아요'는 가입 안해도 눌러집니다.^^)

가계부채 급증에 대한 정부의 대책으로 보금자리론 대출 신청자격이 올해 말까지 대폭 강화되었다. 서울 강남을 위주로 분양권 전매 차익을 노린 청약과열이 심화되는 등 주택시장 과열을 가계부채 급증의 원인으로 보고 대출 총량관리에 들어간 것이다.   

정부가 대출 규제를 강화하여 보금자리론 신청자격과 대출 한도를 1억원으로 대폭 축소하여 서울 지역에서는 더 이상 의미가 없어졌다. 언론들은 사실상 보금자리론 중단이라고 맹비난하고 있다.  신한은행과 KEB하나은행에서 특별 판매하던 아낌e보금자리론은 전면적으로 판매가 중단되었다. 

변경된 보금자리론 신청자격은, 

- 주택가격은 9억원에서 3억원이하이며,

- 대출한도는 5억원에서 1억원까지

- 대출용도는 기존에는 주택 구입, 보전, 대출상환 용도였으나 주택구입시만 가능하다. 

- 연소득은 제한이 없었으나, 부부합산 6천만원이하만 가능하다.

(출처 : 주택금융공사 정책모기지부 담당자 구광진 051-663-8295)

"보금자리론의 신규공급이 연말까지 사실상 중단"된다는 내용의 연합뉴스를 비롯한 주요 언론의 보도에 대하여 주택금융공사는 다수의 서민은 10월 19일 정책변경 이후에도 과거와 동일하게 보금자리론의 이용이 가능하다고 밝혔다.  보금자리론의 이용 통계에 의하면 전체이용자의 56.6%가 3억원이하 주택에 대하여 평균대출한 금액이 9800만원이다. 따라서 보금자리론의 지원대상의 56%는 계속해서 지원받을 수 있다고 홈페이지를 통해 안내하고 있다. 

내년에도 보금자리론이 '대폭축소되어 실수요자만 골탕' 먹을 것이라는 매일경제의 보도와 관련하여 주택금융공사는 내년에는 아직 결정된 사항이 없으며 '서민실수요층에 대한 지원이 차질없이 이루어지도록 해갈 계획'이라고 홈페이지를 통해 반론했다. 주택금융공사는 투자지분 대부분이 정부와 정부산하기관의 소유이다. 금번 사태에서 드러난 것과 같이 주택금융공사는 정부가 나라경제에 대한 정책을 시행하는 '수단'으로 사용한다.  경기가 과열되면 모기지론과 같은 대출상품 서비스를 줄이므로써 규제를 간접적으로 행사하는 방편인 것이다. 주택금융공사가 스스로 서민 실수요층만을 위한 지원을 내년에 계획하여 이행할 것이라고 보기는 힘들다. 정부가 주택경기 활성화를 경제의 한 방향성으로 잡을 때 비로소 주택금융공사의 보금자리론과 같은 서민지원이 확대될 것으로 예상할 수 있다. 서민들이 집을 사기 위해 꾸준히 자금을 모으는 것만으로는 부족하고 정부 주택정책의 향방을 잘 예측하고 주택금융공사의 행보를 관찰하고 있어야 유리하다.    내년 보금자리론 시행에 대해  '아직 결정된 사항'이 없다면서 지원을 잘 할 계획이라는 표현은 모순으로 들린다. 

한국주택금융공사란?

아래 '좋아요'를 눌러주시면 

관련 주제에 대해 계속 포스팅 합니다.

('좋아요'는 가입 안해도 눌러집니다.^^)

시험, 공부, 독서, 책, 필기구, 그림의 꿈

> 대학생이 사각모를 쓰는 꿈 : 모자는 윗사람이나 보호자를 나타내며 공부를 마치게되는 암시입니다. 논문심사가 통과되거나 자신의 연구결과가 인정받게 될 꿈입니다. 

>책에 낙서를 하는 꿈 : 책에 낙서를 하는 행동은 책이 나타내는 사상과 철학에 반발하는 일을 암시합니다. 배우고 있는 일이나 선생과 마음이 맞지 않거나 연구하던 분야에 실망할 수 있음을 나타낼 수 있습니다.

> 눈으로만  책을 읽은  꿈  : 평소 존경하던 사람이  시키는  일을 아무런 불평불만 없이 처리하게 될 수 있는 꿈입니다.

> 문장을 짓거나  글씨를 쓴 꿈 : 자기가 품고 있는 생각이나 사상을 다른 사람에게  알리게 되며, 상대방에게  어떤 지시나 암시를 주게 될 수 있는 꿈입니다.

>  작문시힘을  보던  중  답안지를  시험 감독관에게  바친 꿈 : 자신의  신원조회를  받게  되거나 힘있는 사람에게  협조를 구하게 될 수 있는 꿈입니다.

> 교실에  앉아서 열심히  공부를 한 꿈 : 매스컴에  자신의  의견을 피력하거나  부하 직원들에게  많은  양의  일거리를  주게 됩니다.

> 연필이나 붓 등의 필기 도구를 손에 쥐고 있었던 꿈 : 원고 를 쓸 일이나, 하고자 하는 일의  계획 등이 세워진다.

> 다른 사람이 그림을 그려서 자기에게 보여 준 꿈 : 다른  사람이 자기에게, 또는 자기가 다른 사람에게 자기 소개나 어떤 지 시 사항을  제시하게 될 수 있는 꿈입니다.

>  학생이  연필을  얻거나 사는 꿈 : 학교 성적이  우수해지거나 훌륭한 친구를 사뀔 수 있다

>  애인에게 시를 낭독해  준 꿈 : 애인에게 자신의  사랑을  다 시 한 번 확인시켜 주게 될 수 있는 꿈입니다

> 필기구를 선물 받는 꿈 : 붓이나 볼펜 만년필 연필 펜 색연필 등의 필기구는 글과 그림의 창작활동을 할 수 있는 도구이며, 하고자하는 일을 이루기위한 방편 방도 능력 권리를 상징하는 것을 받았다고 볼 수 있습니다. 

>  필기구를  꼭  쥐고  소중하다고  생각했던  꿈 : 계획을  세워 놓았던 어떤 일이 결실을 맺게 될 수 있는 꿈입니다

>  그림을 사는 꿈 : 자신이 한일에 대한 결과를 볼수 있거나, 책이나 서류 논문 등을 받을 수 있는 꿈입니다. 

>  열심히 그림을 그린 꿈 : 어떤 사람의  내면을  깊숙이 관찰하게 되거나 자신의 운명을  생각해 볼 일이 있다.

> 그림이나 미술작품을 감상하는 꿈 : 자신의 그동안 해온일, 감정상태, 느낌등을 돌아볼 필요가 있습니다. 타인에게 그림을 받았다면 

>  남에게 필기구를  건네 준 꿈 : 자기에게  돌아올 일거리를 누군가가 가로채 갈 일이 생길 수 있는 꿈입니다. 명예나 권리가 떨어지거나 실직 이별을 의미할 수 도 있습니다. 

> 자기의 필체에  대해  좋은  평가를  받은  꿈 : 조직의 지시대로 이행하지 않으면 좋지않은 일이 생길 수도 있는 꿈입니다.

>  그림을  그려서 사람들에게  따라 그리라고  한 꿈 은 : 부하 직원이나 자신을 따르는 사람들에게 어떤 일을  각각 시키게 될 수 있는 꿈입니다.

>그림을 위에서 아래로 좌에서 우로 세밀하게 그려나가는 꿈 : 조만간 지금 시작되려는 일이나 프로젝트를 세세하게 진행하여 할일을 암시하는 것일 수 있습니다. 

결혼하는 꿈

> 자신의 결혼식에 상대자가 바뀐 꿈 : 계약이 자신에게 유리한 조건이 될 수 있는 꿈입니다

> 결혼 선물을 주고 받은 꿈 : 계약서 등의 증서를 꾸밀 일이 생길 수 있는 꿈입니다.

> 결혼식에 하객이 한 사람도 없었던  꿈 : 취직을 하게  되거나 새로 시작해야  할 일이  생긴다.

> 결혼식에 부모가 참석한 꿈 : 협조자가 나타나게 되며, 결혼 식장에  내빈이 많을 경우엔 협조하고 동조하는 사람이  많게 될 수 있는 꿈이다.

> 이혼한 꿈 : 계약된 일이나 결정 등이 해지되고, 사귀던 사람과 작별 또는 사업의 포기 등이 있게 될 수 있는 꿈이다.

>  드레스를  입고  결혼식에 입장한  꿈 : 직장을 옮기는 등 자신과 관련된 크나큰 변화가 있게 될 수 있는 꿈이다.  웨딩드레스를 미혼여성이 입었다면 실제 결혼에 대한 암시일 수도 있다. 

>  한 장소에서 합동 결혼식을 하는 걸  보는 꿈 : 진지한 회담에 참석하게 되고 그 회담이 몇 시간에 걸쳐 이루어진다.

> 애인 또는 이상형이 멋있는 모습으로 나타난 꿈 : 사랑하는 사람과 일이 잘풀려가고 있다. 애인이 있다면 좋은 배우자가 되고 결혼의 암시일 수 있다. 애인이 없다면 소망의 반영으로 이루어질 가능성이 높은 암시이다. 

> 유명한 사람이나 연애인과 사랑하는 사이가 되어 키스, 애무, 관계를 하는 꿈 : 부적절한 욕망을 암시할 수 있다. 결혼한 사람의 경우에는 배우자외 사람과 정신적 관계나, 육체적 성 관계를 맺거나 원하는 욕망의 표출일 수 있다. 독신의 남녀는 도덕적으로 부적절할 수 있는 유부남, 유부녀, 친구 애인과 관계가 있거나 생각하는 것일 수 있다.   

> 형제나 자매가 결혼하는 꿈 : 결혼식을 보는 것은 좋지 않을 꿈일 수 있다. 형제나 자매 그 본인에게 좋지 않은 상황을 예지하는 꿈일 수도 있으니 주의가 필요합니다. 

퍼스트마크의 마크 터크와 엔지니어가 만든 북미 지역 빅데이터 맵입니다. 인프라스트럭쳐, 분석, 애플리케이션, 오픈소스, 데이터, API 등의 카테고리 별로 업계 지도를 만들었습니다.  미로 같은 빅데이터 관련업체를 찾아나가는 데 도움이 된다는 호평을 얻었습니다. 

진화하는 빅데이터 업계의 다양성과 복잡성을 다이어그램으로 작성하여 가시성을 높였습니다. 그러나 유럽과 아시아 지역에 대한 이해가 부족하고 자료가 빈약하다는 의견도 있습니다. 

아래 '좋아요'를 눌러주시면 

관련 주제에 대해 계속 포스팅 합니다.

('좋아요'는 가입 안해도 눌러집니다.^^)

이베이와 아마존 외에도 신흥 온라인 마켓은 많습니다. 유럽에는 충성도 높은 고객기반을 갖추고 분야별로 마켓마다 경쟁력을 살려 특화되어 있습니다. 해외 판매하는데 국내셀러들과 경쟁이 심하다구요?  그 이유 중 하나는 이베이와 아마존에 대한 창업교육이 심화되다 못해 치열해지고 있기 때문입니다. 

이베이와 아마존에 십여곳이 넘는 창업교육 카페와 학원에서 매달 수백명의 신규셀러를 배출합니다. 온라인 강의 등 새로운 방식으로 해외역직구 창업을 가르쳐주는 곳도 생기고 있습니다. 로마시대 때 부터 유행했다던 '돈 버는 방법' 가르쳐주는 강의 들은 끝없이 생겨납니다. 그런데, 이베이 아마존 강사들이 강의의 수준을 높일 수 있는 가장 좋은 방법이 뭘까요?  수강생들에게 아이템을 어떻게 찾을 수 있는지 가르쳐 주는 것입니다. 우리 카페에서 강의를 들은 수강생 중 한달만에 얼마 벌었다는 글을 접해보신 적이 있으실 겁니다.  처음에 배울때는 따라하는게 편리하지만, 나중에 전문셀러가 되어 내가 판매하는 상품이 베스트셀링 아이템이 되면 수강했던 강사의 강의자료에 오를 수 있는 가능성도 있습니다.   '내가 가르친 제자 중에 이베이에서 잘 판매하는 사장은 어찌어찌해서 어떤 아이템을 찾아서 올렸는데 순식간에 팔려서 그 아이템이 집중해서 성공했다' 라는 식이 판매 강의에서 강사가 한번쯤 흘려주는 레파토리입니다. 사족인데, 강사들끼리 경쟁도 치열합니다. '원조'를 주장하는 곳도 여러곳입니다. 제가 알게 된 강사들은 대부분 판매는 잘 못하거나 하지 않습니다. 판매잘하는 사장들은 눈 코 뜰새 없을 뿐더러 영업비밀의 노출을 꺼려서 강의같은 것은 하려고 하지 않습니다. 그러니 강사에게 수강할 때는 주관을 세우고 거리를 유지하면서 필요한 정보만 수집해야 합니다. 

 물론 내가 판매하는 아이템이 노출되는 것이 전적으로 창업스쿨들 탓이라고 볼 수는 없습니다.  창업강의를 통해서 시작했던 독학으로 시작했던 해외역직구, 글로벌 셀링은 창업의 한 트랜드가 되었고, 모든 신규 글로벌셀러들은 초기에 팔아볼 만한 아이템을 찾는 일에 집중합니다. 아마존과 이베이처럼 접근이 쉽고 참고자료가 많은 해외 온라인 마켓에서는 카테고리별로 잘 판매되거나 틈새 아이템을 찾기 쉽습니다. 경쟁자는 언제나 생깁니다. 해외에 판매하는 것이라는 수출하는 자부심도 있고 영어도 더 공부해야하고 세련되어 보이는 고급진 업무이지만 장사는 장사입니다.  시장 판에서 자리싸움하듯 경쟁도 심합니다.  신경을 너무 쓰면 스트레스 받고 그렇다고 신경을 아예 안 쓸수도 없습니다. '장사'가 가진 본질적인 어려움이 아닐까요?  경쟁에서 살아남기 위해서는 (제조를 우선으로 하는 판매자가 아니라면) 판매만 전문으로 하는 셀러라면 새로운 아이템을 지속적으로 찾는 일은 생존을 위해 필수입니다. 

경쟁우위에 서는 방법 중에 새로운 판로와 마켓을 찾는 것도 당분간 경쟁자들을 떨쳐 버릴 수 있는 방법입니다.   아마존 보다 이베이에 판매해본 셀러라면, 잘 들어보지 못한 나라에 팔리거나 '핀란드', '리투아니아' 같은 국가에 팔리는 경우를 종종 경험해 볼 수 있습니다. 큰 나라에 비해 시장규모는 작지만 특정 아이템 카테고리의 공급이 부족한 국가일 수도 있습니다.  유럽 온라인 마켓은 이러한 측면에서 기회입니다.

유럽에 판매할 만한 10개 온라인 마켓을 소개합니다.  새로운 온라인 마켓 플렛폼을 찾고자하는 셀러에게 실마리가 될 수 있는 글이 되길 바랍니다. 진입하고자 한다면 각 마켓별로 추가적인 세부조사는 필수입니다. 

1. Allegro

유럽에서 5번째로 방문객이 많은 온라인 시장입니다. 동유럽 고객이 타겟이라면 꼭 도전해봐야 합니다. 폴란드에 위치해 있으며, 1천2백만명의 액티브 구매자를 보유하고 있습니다. 주변 동유럽 시장의 근접성이 좋습니다. 패션 아이템의 판매비중이 높고 전년대비 20%이상 고속성장을 지속하고 있습니다.  유럽셀러 들의 평에 의하면 API를 오픈하여 제품리스팅과 고객 대응을 처리하기 용이합니다. 

2. Bol.com

Bol은 역사시간에 들어본 베네룩스 지역의 쇼핑몰입니다.  벨기에, 네덜란드, 룩셈부르크 지역에서 가장 큰 쇼핑몰입니다. 

GTIN으로 아이템등록이 가능하여, 브랜드 상품을 판매하는 셀러라면 아이템 올리기가 쉽습니다. 월 고정 가입비 사용료가 전혀 없습니다. 판매된 아이템에 대한 수수료를 지불하면 됩니다. 

예로부터 유럽전역을 누비던 상인들은 네덜란드에 있었습니다. '네덜란드의 상인'말이 익숙하게 들리는 까닭입니다.  역사와 전통을 자랑하는 네덜란드의 거대한 유통 네트워크를 사용하며 Bol은 판매자 들에게 Fulfillment 서비스도 제공합니다. 

3. Cdiscount

Cdiscount는 100년도 넘은 프랑스 소매그룹사인 카지노그룹의 자회사입니다. 초기 막대한 자금력의 지원을 받아 유럽에서 급성장하고 있습니다. 약 16만명의 판매자가 등록되어있고 한화 약 1.8조원의 매출이 일어나며 아마존 프랑스에 이어 두번째로 큰 온라인마켓입니다. 셀러프렌들리 정책을 유지하고 있어 신규판매자 진입이 쉬운편이지만, 사업자 등록번호와 제품 데이터에 대한 요구수준이 높습니다.  다국어 지원과 가격관리, 세일즈 캠페인 기능이 우수합니다. 

4. Dawanda

다완다는 '엣시' 와 비슷한 컨셉의 유럽 온라인 마켓 플레이스 라고 할 수 있습니다. 독특하고 유니크한 헨드메이드 제품을 판매합니다. 수공예품 쇼핑몰치고는 무려 520만의 구매자를 가지고 있습니다. 아시는 분은 아시겠지만 수공예품이 틈새시장이고 소량 판매되는 제품이지만 가격은 판매자 마음입니다. 상품의 가치에 따라 다르겠지만 웬만하면 한번 신뢰를 얻은 판매자는 비싸게 제 값 받고 팔 수 있는 시장입니다. 이런 마켓의 단골 소비자들은 가격에 연연하지 않고 특이한 모양과 제품 사진이 맘에 들면 사가는 특성을 악용해 한때 공산품을 재구성해 판매하는 셀러들과 전쟁을 벌이기도 합니다.  

5. Fnac

Fnac는 프랑스에서 전자제품을 판매하는 온라인 쇼핑몰로 시작했습니다. 지금은 유럽 대부분 국가에 팔리고 있으며 패션, 스포츠, 가정 용품으로 카테고리를 넓혀가고 있습니다. 하이스트리트 브랜드로 프랑스에서 설립된 기반을 활용하여 두터운 고객층을 확보하고 있으며 매장 네트워크에 고객 충성도 높습니다.  이미 유럽시장에 어느정도 판매하고 있는 셀러라면 하루 방문자가 75만명에 이르러 상당한 기회를 얻을 수 있는 온라인 마켔습니다.  신품과 중고물품도 판매할 수 있으며 고객은 온라인으로 주문하고 인스토어에서 제품을 받을 수 있습니다. 

6. Fruugo

 핀란드에서 시작된 인터네셔날 온라인마켓입니다. 국제판매를 촉진하기 위해 판매자가 유럽 등지의 23개 국에 판매를 하고 정산은 자국통화로 받는다고 합니다. 초기부터 판매대금 수금해주는 3rd 파티업체(페이오니아, 월드퍼스트, 커런시스다이렉트 등)가 낄자리게 없게 하여 수수료에서 이득이 있습니다. 2010년 시작하여 상대적으로 작은 마켓이지만 연간 200%성장 하며, 한달에 중복없이 방문자가 백만명이 넘습니다. 월수수료는 없으며 판매당 10~15%의 수수료를 부과합니다. 핀란드 부근 북유럽국가에 판매기회가 있다면 고려해 볼만 합니다. 

7. LaRedoute

1837년에 시작한 역사를 자랑하는 프랑스 Laredoute는 대표적인 여성의류 쇼핑몰입니다.  원래 한 가문(House)의 이름이라고 하는 LaRedoute는 프랑스 최고의 온라인쇼핑몰이며 한달 방문자가 920만명에 이릅니다. 수천개의 의류브랜드가 26개 국가를 통해 판매되고 있습니다. 판매자는 프랑스어로 고객 서비스를 제공할 것으로 기대되며 구매 프로세스 전반에 걸쳐서 아이템의 브랜드가 표시됩니다. 최근에 모바일에 많이 투자하여 상당 비율의 구매자가 모바일을 통해 구매하고 지불하고 있습니다. 의류 브랜드회사라면 눈여겨볼 만한 이커머스 마켓입니다. 

8. PriceMinister

PirceMinister는 책, 비디오게임, 식품, 가정, 의류 부분의 프랑스 전자상거래 사이트입니다. 한달에 약 9백만명이 방문하고 있으며 2010년에 라쿠텐에 인수되었습니다. 판매자는 유럽에 반송처를 가져야하며 프랑스 현지 계좌가 있어야 합니다. 고객서비스는 영어로하는 것이 가능하나 제품판매가는 유로로 명시되어야 합니다. 

9. Spartoo

Spartoo는 의류와 신발을 전문으로 하는 프랑스 전자상거래 사이트입니다. 2006년 부터 신발만 전문으로 판매하는 온라인 마켓플레이스로 성장해왔습니다. 현재는 패션을 포함하여 다양한 의류브랜드도 판매하고 있습니다. 현제 30여국에서 운영되고 있으며 특히 신발 소매 판매자에게  유리한 마켓입니다. 한달에 약 1천4백만명의 신발 구매자가 방문합니다. 주문 후 2~3일 내 고객이 받아볼 수 있어야 하며 배송 추적이 가능해야 합니다.    국가별 월수수료가 있습니다. 

10. Zalando

2008년 독일에서 시작한 패션 온라인 쇼핑몰이며 전유럽을 대상으로 운영되고 있습니다. 많지 않은 독일 기반 쇼핑몰인만큼 판매자 등록은 깐깐합니다. 독일에 사업장이 있어야 하며, Zalando의 프라덕 믹스에 어울리는 구석이 있는지 심사를 통과해야 거대 쇼핑몰 중에서는 가장 충성도 높은 약 1천3백만 구매자를 대상으로 판매할 수 있습니다.  판매전에 상당한 리서치가 필요합니다.  무료배송과 무려 100일 무료 반품 정책을 운영하고 있습니다. 철저히 고객중심으로 돌아가는 마켓이라 판매자 입장에서 어려워 보일 수도 있지만, 뒤집어보면 어느정도 수준에 올라가면 '무조건 신발은 여기서만 산다'는 단골 고객을 확보할 수 있습니다.  독일 다운 쇼핑몰입니다. 

특정 카테고리에서는 아마존과 이베이 보다 위 10개 유럽 쇼핑몰에서 매출이 월등히 높은 경우도 있습니다. 브랜드 소유 업체에서 해외시장을 공략할 때 필히 살펴보아야 합니다.  저가 생필품도 비싼 배송비를 지불하고 유럽의 소국들에 팔린다면 그 나라에 물건이 별로 없는 경우 입니다. 아마존과 이베이에서 수요를 발굴 했다면 위의 쇼핑몰을 통해 직접 그 나라에 판매하는 것도 유럽에 진출할 수 있는 훌륭한 방법입니다.  

일생에 처음으로 아파트 등 내집을 마련한다면, 정부가 지원하는 주택담보대출을 적극 이용할 수 있다. 무주택가구에 주택구매자금을 빌려주는 주택도시기금 '내집마련 디딤돌 대출'금리는 지난달 12일부터 한국은행 기준금리를 반영해 0.2%하락하여 조건에 따라 최저 1.6%의 금리로 대출할 수 있다. (근로자, 서민, 생애최초 주택구입자금 대출은 지난해 디딤돌 대출로 통합되었다.) 

내집마련 디딤돌대출 신청자격은 부부합산 연소득이 6천만원 이하이거나, 생애최초주택구입자에 해당하면 연소득 7천만원 이하이면서, 무주택가구이어야 하고, 전용면적 85㎡(읍·면 지역은 100㎡) 이하 이면서 6억원 이하의 주택을 구입할 예정일 때 자격이 된다. 최대 2억까지 대출 받을 수 있다. 

[위 질문에 모두 '예'라고 대답할 수 있어야 디딤돌 대출 자격조건이 된다.]

대출금리 우대조건은 생애최초 주택구입자는 2016년 5월30일 부터 동년 11월 30일까지 6개월 안에 접수하면 한시적으로 금리 0.5%  우대된다. 다자녀가구 0.5%, 다문화가구 ·장애인가구 ·결혼예정자를 포함한 신혼가구는 각각 0.2% 추가금리우대가 가능하다. 

주택 청약저축을 가입하여 납부하고 있다면 추가금리 우대를 받을 수 있다.  본인 또는 배우자가 1년이상 12회차 이상 납입한 경우 0.1% 우대, 3년이상 36회차 이상 납입한경우 0.2% 우대된다. 민영주택 청약저축은 청약지역별 최소 예치금 납입후 1년 이상이면 0.1%, 3년이상이면 0.2% 금리가 우대된다. 

내집마련 디딤돌 대출의 가능한도와 예상 금리를 홈페이지를 통해 입력하여 사전에 알아볼 수도 있다.  무주택가주자가 연소득 3천만원에 방이 4개인 경기도의 3억짜리 아파트를 구입하는 경우를 가정하자.

우대금리조건은 생애최초와 청약저축 3년 납입을 선택하였다. 아파트 방4개에 경기도의 경우 2천7백만원의 소액임차금이 자동으로 책정되어 차감된다(서울은 3천4백만원 차감). 

거치기간 1년에 30년 장기상환조건이다. 상환방식은 원금을 빨리 갚을 수 있는 원금균등분할로 했다.  초기 상환금액은 원리금상환방식보다 조금 높지만 처음부터 원금이 포함되어 상환하므로 처음에는 이자만 상환하게되는 원리금상환방식보다 원금을 빨리 갚아나갈 수 있다. 

 모기지 신용보증(MCG)도 받기로 하고 희망대출금을 최대값인 2억원으로 입력했다.  대출가능 한도는 1억8천3백만원이고 대출금리는 1.9%이다.  물론 홈페이지에서 자동으로 시뮬레이션 한 결과이고 실제 해당 은행에서 대출시 결과는 달라질 수 있다. 

내집마련 디딤돌 대출은 주택보증기금을 통해 우리은행, 국민은행, IBK기업은행, NH농협은행, 신한은행, KEB하나은행을 통해서 대출을 받을 수 있다. 은행마다 앱이나 인터넷이용 등을 통해 추가적인 혜택이 있을 수 있으니 꼼꼼히 살펴보아야 한다.  인터넷으로 직접 접수하려면 한국주택보증공사 홈페이지에서  가능하다. 

내집마련 디딤돌 대출 업무취급은행 바로가기

한국주택금융공사란?

신용카드 한도 줄이면, 신용등급 낮아지고 대출금리 올라...

신용 평가 체계를 이해하고, 신용 등급 올리는 다섯가지 방법

한국주택금융공사는 서민의 주거안정화를 돕기 위해 중장기 주택담보대출인 모기지론을 활성화 하고 주택담보채권의 유동성을 강화함으로써 장기채권시장의 활성화를 꾀하기 위해 2004년 3월 출범하였다.  

[출처 : 한국주택금융공사 홈페이지]

주택금융공사는 정부와 주택도시기금, 한국은행이 지분투자를 한 공사이다. 지난해 말 정부가 추가적으로 현물투자를 확대하여 정부 지분률이 64.8%에 이른다.

한국주택금융공사의 설립과 동시에 다수의 금융기관이 20년 이상의 장기주택담보대출을 늘려 왔다. 이러한 변화로 금융시장 선진화와 소비자 효용을 높여 장기 금융시장의 발전을 촉진해왔다.  

출범 당시 은행들이 만기까지 보유한 주택담보대출이 90%에 달했으나 모기지 채권의 발행을 통해 유동화율을 높여 시중의 단기 부동자금을 흡수하고 금융시장의 안정과 채권시장의 발전에도 기여해 온 것이 사실이다.  김재천 한국주택금융공사 사장은 올해 초 주택담보 대출 발행 규모를 26조원 예정이라고 밝힌바 있다.  

주요 대출 서비스는 생애최초 자기집을 구입할때 유리한 '내집마련 디딤돌 대출'과 'u-보금자리론',  주택연금인 '내집연금 3종세트, '전세자금보증', '중도금보증' 등으로 서민 주거안정을 지원한다.  

내집마련 디딤돌 대출은 부부합산 연소득 6천만원(단, 생애최초의 경우 7천만원 까지) 이하의 무주택 세대주를 신청대상으로 하며 소유권 이전 등기일로부터 3개월 이내 신청해야 한다.  대출금리는 연 2.1 ~ 2.9%이나, 생애최초 및 청약통장 납부 등의 조건에 따라 추가적인 금리할인이 가능하다.  

u-보금자리론은 민법상 성년인 대한민국 국민을 신청대상으로 하며 신청한도는 주택담보가치의 최대 70%까지 이다.  대출금리는 연 2.50 ~ 2.75%이며 기타 조건에 부합시 우대금리 추가적용이 가능하다. 

전세자금보증 서비스는 임차보증금 4억원 이하(지방 2억원 이하)인 전(월)세계약을 체결하고 보증금의 5% 이상을 지급한 세대주가 신청대상이며, 임대차계약서 상 잔금지급일과 주민등록전입일 중 빠른 날로부터 3개월 이내 신청해야한다. 보증한도는 최대 2억원이다.  전세자금보증은 위탁보증으로 고객이 공사에 별도 방문 필요 없이 취급은행에서 대출 및 보증 등 업무처리가 가능하다. 

한국주택금융공사는 2004년 부터 서민의 주거 안정화에 대표적으로 기여한 공기업이지만, 중복보증과 사기대출 대위변제 등 개선해야할 점과 서민을 위한 운영에 미흡하다는 비판의 목소리도 있다. 관련하여 한국주택금융공사 국정감사 최근 동향을 살펴본다.

[주택금융공사 사기대출 대위변제 금액 250억원]

국회 정무위 김해영 의원은 국정감사 자료로 주택금융공사로부터 제출받은 자료에 의하면 최근 2011~2015년 동안 법원 확정판결을 받고 주택금융공사가 대위변제한 금액이 422건, 250억원에 달한다고 밝혔다. 주택금융공사가 전세자금대출의 90%를 지급 보증함에 따라 은행심사가 부실하게 이루어져 대출사기 등 사고로 이루어질 가능성이크다. 김해영 의원은 대출 심사 강화로 선의의 피해자가 발생하지 않도록 재심의 제도 등의 도입을 검토할 필요성을 제기했다. 

[중복 보증 문제]

김종훈 국회의원이 이달 13일 주택금융공사와 주택도시보증공사가 동일인에게 중복보증을 해주어 투기 조장우려를 제기했다.  두 기관을 합해 중복 보증건수가 5만6578건이고, 금액으로는 8조6045억원이라는 것이다. 공공기관이 중복보증을 해줌으로써 투기에 이용될 수 있다.  동일인 2주택이상의 중복 보증 문제를 해결하기 위해 중복보증을 가구단위로 관리하고 배우자나 자녀이름으로 중복보증을 받지 않도록 하여  공공목적의 공사가 투기를 지원하는 일이 없어져야 한다는 주장이다. 

[보증이 절실한 저신용등급 서민에 대한 지원 필요]

국회 정무위 이학영 의원이 한국주택금융공사의 국정감사 제출 자료에 따르면 2012년~2015년 보증지원한 전세자금 보증은 대부분 신용등급 1~6등급에 집중되었다.  다른 금융기관과 마찮가지로 신용등급 7등급 이하의 저신용자들에 대한 보증건수는 전체 12%에 불과하다.   한국주택금융공사의 출범 취지에 부합하여 서민 주거안정화 기여이 미비하다. 이학영의원은 “저신용자에 대한 보증지원을 확대 강화해야한다”고 촉구했다.

[한국주택금융공사 금융노조 탈퇴]

지난달 24일 주택금융공사 노조는 임시대의원회를 개최하여 금융노조 탈퇴를 결정했다. 성과연봉제 도입투쟁과 관련하여 주택금융공사의 입장이 달라서라고 알려졌다. 금융노조가 성과연봉제 도입을 놓고 총투쟁 중이나 주택금융공사는 지난 7월 노사간 성과연봉제 도입에 합의를 이루었다.  

[한국주택금융공사 10월 금리 동결]

주택금융공사는 10월금리를 아래처럼 동결한다고 지난 27일 발표했다. 

‘아낌e-보금자리론’은 만기에 따라 연 2.40∼2.65% 금리

(안심주머니 앱을 이용 시 최저 2.38%까지) 참고적으로, ‘아낌e-보금자리론’은 은행 방문 없이 인터넷을 통한 전자약정을 맺어 0.10%포인트 금리가 낮다. (KEB하나은행과 신한은행 이용가능)

‘u-보금자리론’과 ‘t-보금자리론’ 금리도 연 2.50%(10년)∼2.75%(30년) 

(한국주택금융공사 홈페이지 신청 가능)

‘주택연금 사전예약 보금자리론’은 40~50대가 이용시 0.15%포인트∼0.30%포인트 금리 할인 

(한국주택금융공사 홈페이지에서 신청)

생애최초 주택담보대출 내집마련 디딤돌대출의 한도, 금리, 신청자격은? (16년 9월부터 한시적 1%대)

    미국 퍼스트레이디 미쉘 오바마가 트럼프의 성추행 이력을 강력하게 비판했다. 

트럼프 사상최대 악재 '여성비하' 10년전 방송 비밀 인터뷰 녹음파일

힐러리 57%로 미국 대선 2차 토론 압승, 트럼프 음담패설 악재 예상보다 영향적어...

일본SBI증권이 IBM주식회사와 공동으로 블록체인 기술을 활용하여 채권거래를 실험하기로 했다고 밝혔다.  블록체인을 통한 채권거래는 비트코인과 같은 원리의 기술을 이용하여, 중앙집중식 은행시스템과 달리 채권거래를 위해 새로운 분산 플랫폼에 의한 시스템을 구축하는 것을 목표로 하고 있다. 

업무 시스템의 관점에서 실현가능성과 효과를 검증하고 증권업무를 블록체인화하여 조기 상용화하는 것을 추진한다. 

‘비트 코인’의 핵심기술로 알려진 가상통화의 근간인 블록체인 기술은 최근 많은 개발이 이루어져 Fintech분야에서 특히 주목받는 부분이다. 세계 각국의 금융기관과 시장관계자들이 조사 연구 개발을 진행하고 있으나 상용화하기 위한 기술 수준이 미흡하고 각국의 가상화폐에 대한 법령 제도 개선의 선행이 필요한 경우가 많아 실제 비즈니스 현장에서 적용은 이루어지지 않고 있다. 

IBM금융 비즈니스 컨설팅 서비스의 고급 프로그램 개발 지원서비스라 할 수 있는 ‘IBM Bluemix Garage’를 이용하여 SBI증권이 블록체인 기술 평가를 실시할 예정이다. 

SBI 증권은 블록체인 기술을 이용하여 채권의 등록부터 상환까지 상품 라이프 사이클이 제대로 돌아가는 지 검증한다. 비트코인처럼 분산서버 방식으로 데이터베이스를 공유하여 업무의 효율화와 자동화 및 인프라 공유에 의한 비용절감, 기존 업무 프로세스의 개선 또는 대체 가능성을 살펴본다. 블록체인 기술이 증권 업무시스템에 도입할 경우 유용성을 총체적으로 검토하는 것이다. 

블록체인 기술은 자산과 거래기록의 데이터를 분산 네트워크에 접속되어 있는 사용자간에 안전하게 공유하고 관리할 수 있는 기술이다. 적용에 성공한다면 막대한 비용이 들어가는 중앙집중식 서버가 필요없어서 저렴한 비용으로 시스템의 구축과 운영이 가능하고 모든 분산된 네트워크가 정보를 저장하기 때문에 한곳의 정보망이 다운되어도 안전하다.  증권 업무의 개혁과 거래플랫폼 혁신적인 진화로 이어질 것으로 기대된다. 

SBI증권에서는 실증실험을 통해 채권업무에 대한 기술이 적용가능 한지 검증하고 현행 업무를 이용할 수 있는 과제를 추출하여 실용화에 한층더 다 가갈 계획이다. 

일본 IBM에 따르면 SBI증권 블록체인 채권거래 실험과 관련하여 다양한 혁신적인 오픈기술을 수행해온 ‘Linux Foundation’의 ‘Hyperledger’ 프로젝트의 블록체인 기술을 기반으로하여 하이퍼 레져 패브릭을 이용해 프로토타입을 개발 한다고 한다. 하이퍼 레져 패브릭은 IBM Bluemix 서비스로 제공되는 것을 이용한다. 

신용카드의 씀씀이를 줄이기 위해 신용카드사에 전화하여 카드 한도를 줄이는 경우가 종종있다.  예를 들어, A는 신용카드 한도가 3백만원이었는데, 한달에 1백만원이하로 지출을 줄이기 위해 카드한도를 1백만원으로 줄였다면 잘 한 것일까?

[카드한도를 낮춰서 신용등급이 하락한 사람이 올해 43만명, 작년 92만명에 달함 (출처: SBS)] 

씀씀이를 줄이기 위한 굳은 결심을 확실히 하는 데는 줄여 놓은 카드한도 보며 재차 마음을 다잡는 것도 좋은 방편이다. 

그렇지만 신용등급은 떨어질 수 있다. 신용카드 소진율이 올라가기 때문이다. 신용평가사에서는 카드한도 만큼 꽉꽉 채워 카드를 이용하면 신용도를 좋지 않게 평가하는 기준을 가지고 있다. 

앞서 A의 예에서 처럼 카드한도가 3백만원일 때 1백만원을 사용하면 한도 소진율이 33%이지만 카드한도가 1백만원이라면 소진율이 100%가 된다. 신용등급 평가요소 중의 하나인 카드한도 소진율이 높아져서 카드 한도를 다 채울 만큼 지출이 많다고 평가된다. 

소비를 줄이고자 했던 의지의 표현으로 자발적으로 한도를 줄여 놓은 것이 황당하게도 신용 평가 등급을 낮추는 결과를 초래할 수 있다.  신용등급이 낮아지면 주택담보대출 등의 대출금리가 높아진다. 

SBS에 의하면 한 대형 신용평가사가 카드한도를 낮춘 수십만명의 신용등급을 낮추어 대출금리가 높아지는 피해가 생겼다고 보도했다.  올해에 두번에 걸쳐 은행대출을 받은 한 직장인의 경우 첫번째 대출이후 신용카드 한도를 낮추었고, 이어 두번째 대출에서는 대출한도가 300만원이나 줄고 금리는 0.5% 올랐다고 한다.  

국회 정무위 박용진 더불어민주당 의원도 인터뷰에서 '본인도 모르는 사이에 신용등급이 떨어지는 경우가 있다 금융당국이 이에 관한 합리적인 기준을 마련해야 할 것'이라고 말했다. 

참고적으로, 신용카드 한도를 줄이는 것은 쉽지만 올리는 것은 금융기관의 평가기준에 부합해야한다.  카드 한도를 올리기 위해서는 세가지 측면이 필요하다. 상환능력, 금융거래실적, 신용평가등급이다

카드 한도를 올리려면 빌린돈에 대해 갚을 능력을 보여주는 것이 첫번째다. 연소득이나 증빙할 수 있는 소득에 대한 은행거래 실적이 필요하다. 두번째는 대출실적 및 카드 거래실적과 연체현황이다. 연체가 0%가 되도록 가급적 대출 이자나 현금카드서비스 결제를 제때 이행해야 한다. 

금융거래가 전혀 없어도 곤란하다. 대출의 경우 증빙할 수 있는 소득을 유지하면서 연체 없이 만기 상환하면 대부분 등급이 올라간다. 마지막은 나이스 또는 신용평가사 KCB에서 평가하는 신용등급이다. 

관련글 바로가기

 저축은행 대출받으면 제때 갚고 있어도 일방적으로 추심업체에 채권 매각된다?

 주택도시기금의 역할, 서민 무주택자 주택구입 전세 융자 상품

 신용 평가 체계를 이해하고, 신용 등급 올리는 다섯가지 방법

 무이자 30일 대출을 대부업체 또는 저축은행 에서 받으면?

인사 악수 절하는 쓰다듬는 꿈 

>  상사나  윗사람이  먼저 자기에게  인사를  한 꿈 : 자기보다 연령이 높거나 사회적인 지위가 높은 사람이 자기에게 부탁을 해 오거나 도움을 청해 올 일이 생길 수 있는 꿈입니다.

>  무엇인가를  자꾸 쓰다 듬었던  꿈 : 불쾌감이나  불만, 불안감 을 갖게 될 일이 생길 수 있는 꿈입니다.

> 집안 어른에게 큰절을 한 꿈 : 정부기관이나  단체로부터  상을 받거나 아니면 부탁할 일이 생길 수 있는 꿈입니다.

>  누군가와  손을 맞잡고 걸은 꿈 : 어떤 일을 함진행하면서 손발이 척척 잘 맞는다.

>  절을 하는데  상대방이  외면해  버린  꿈 : 청탁한 일이 무산 되고 다른 사람으로부터  전혀 도움을 받지 못합니다.

>  신이나  윗사람에게 절하는  꿈 : 어떤  기관이나  권력자에게 청원할 일이 생기며, 이루어질 가능성이 높다

>  신랑과  신부가  서로  맞절을  한 꿈 : 계획한  일이나  사업, 계약 또는 작품 등이  이루어지지 않는다.

> 상대에게 절을 하자 그가 미소를 지은 꿈 : 어떤 사람에게 청탁을 하지만 그 후에 서로 좋지 않은 감정이 생길 수도 있는 꿈입니다.

>  대통령 등 국가 원수에게 거수경례를  한 꿈 : 정부나 권력 이 있는 사람에게 개인적 혹은 단체를 위해서 도움을 청할 일이 생길 수 있는 꿈입니다

> 어딘가를  향해 큰절을 한 꿈 : 주위 환경에 큰 변화가 생기 기를 원하게 되고 그것이 곧 현실로 나타난다.

>  악수를 하고 손을 강하게 흔들었던 꿈 : 어떤 거래나 대인 관계에서  시끄러운 일이 생길 수 있는 꿈입니다.

> 국기를  흔해서 경건한 마음으로  목례를  한 꿈 : 국가에  이익이 되는 일을 하게 되거나 국가 기관으로부터 선임장이나 위임 장 등을 받게 될 수 있는 꿈입니다.

>  다른 사람이 자기의 손을 잡아끌어준  꿈 : 다른 사람의  도움을 얻어 난국을 모면하게 될 수 있는 꿈입니다.

> 누군가에게  공손히  절을 한 꿈 : 꿈 속의 사람에게  부탁 할 일이 생기며 원했던 결과를 얻게 될 수 있는 꿈입니다.

> 애완동물(새，강아지 듬)을 플때l 안거나 가까이 가서 쓰다듬은 꿈 : 가까운 사람, 특히  배우자나  친척 또는 아랫사람  때문에 속상하고 불안하고 불쾌한 일이 생길 수 있는 꿈입니다.

> 상대방의  손을 두 손으로 감싸잡은 꿈 : 형제나 연인，사제 등의 도움을 받게 될 수 있는 꿈입니다.

> 손위의 사람이  자기에게  절을 한 꿈 : 자기보다 높은 지위 에 있는 사람이 어떤 일을 부탁해 온다.

> 상대방의 손을 잡았는데  몹시  차갑게 느껴졌던  꿈 : 꿈 속의 상대방에게 냉대받을 일이 생길 수 있는 꿈입니다.

>  커다란 동물이 자신을 물고 놓아 주지 않는  꿈 : 직장이나 권력 등을 얻으면 오래도록 보직하게 될 수 있는 꿈입니다.

> 남편이 아내에게, 아내가 남편에게 화풀이를 한 꿈 : 자신 이외의 어느 누가 일을 해도 마음에 들어하지 않으나 결과는 크게 만족스러울 수 있는 꿈입니다.

> 열심히  박수를 친 꿈 : 어떤 압력에 의해 자신의 의견을 주장하지 못하게 되거나 사건에 갚게 말려들게 될 수 있는 꿈입니다.

> 무조건 호통만 쳤던 꿈 : 쌓였던 감정을 폭발시킬 일이  있으며 대인 관계에서 상대방을 제압하여 승리감에 도취되게 될 수 있는 꿈입니다.

> 누군가에게 호통을 치는데 그가 꼼짝도 하지 않고 앉아 있었던 꿈 : 무슨 일을 하든 자신이 주장을 내세우며 과감하게 잘 못된 점을 수정합니다.

> 벌을 주어야 할 죄인을 용서하고 풀어 준 꿈 : 진행중이던 일이 중단되거나 모든 것이 완성 단계에서 무너지고 만다.

>  구름처럼 모인 군중들이 미친 사람처럼 광란한 꿈 : 많은 사람들이 일을 방해하거나 의견이 받아들이지 않는다.

> 많은 사람들이 모여 비명을 지른 꿈 : 군중이라고 말할 수 있을 정도로 많은 사람들이 자신이 한 일에 감탄을 하게 될 수 있는 꿈입니다.

> 많은 군중이 자신을 향해  박수를 쳐 준 꿈 : 사람들을 감동 시킬 일이 생길 수 있는 꿈입니다.

> 어떤 일이 됐든 무조건 좋다고 동의한 꿈 : 무슨 일을 하든 만족감을 얻을 수 있고 정신적으로 평화로움을 만끽합니다.

>  잘못했다고 빌었던  꿈 : 하루 종일 불만스러운 일만 일어나 피로에 지칠 수 있는 꿈입니다.

> 거친  행동을 하는데도 상대밤이 계속 빙글빙글  웃었던 꿈 : 자신은 만족스럽게 일을 처리했지만 칭찬 받지는 못합니다.

> 충고를 들었던 꿈 : 반성해야  할 행동을 하거나 어떤 일로 인해 심한 양심의 가책을 받게 될 수 있는 꿈입니다.

앉는 꿈

> 의자에 앉았던 꿈 : 의자에 걸터앉으면 어떤 부서의 책임을 맡게 되거나 취직,입학 등이 확정될 수 있는 꿈입니다. 의자를 찾지 못하거나 의자에서  내려오는 꿈은 하고 있는 일의 중단 직장을  그만 두거나  직시험  등에서 낙방을 의미할 수도 있습니다. 

> 여러 사람이 나란히 의자에 앉아 있는 꿈 : 여러 사람이 함께 할 일이 생기고 의견이 일치를 볼 수 있는 꿈입니다.

>  아무 곳에나 앉아 있었던 꿈 : 하던  일이 중단되거나  직장을 옮기게 될 수 있는 꿈입니다.

>  여행을  하던 중에 길가에  앉아서 휴식을 취했던 꿈 : 순조롭게 진행되던 일에 이변이 생겨 중도에서 포기하거나 장시간 동안 보류 상태로 남게 될 수 있는 꿈입니다.

> 여러  개의 돗자리를 펴고 많은 사람들이 앉아 음식을 먹었던꿈 : 여러 차례의 미팅, 회담, 사업 문의 등이  있게 될 수 있는 꿈입니다.

> 주인이 내주는 방석을 깔고 앉았던 꿈 : 어떤 기관 또는 회사에 취직하거나 직책이 맡겨질 수 있습니다

가수가 노벨상을 받는다. 스웨덴 아카데미는 13일 2016년노벨 문학상을 미국의 싱어 송 라이터 밥 딜런 (75)에게 수여한다고 발표했다.   ‘미국음악의 위대함에 새로운 시적표현을 창조했다’라는 위원회의 수상이유다. 

팝송 매니어가 아니라도 밥 딜런이란 이름은 어디선가 들어본 적이 있을 것이다.  ‘Knockin’ on heaven’s door’ 들어보니 그의 노래가 기억난다. 우리 정서와 흡사에서 한국에서도 널리알려진 곡이다. 

그런데, 가수가 노벨 문학상을 수상했다고? 의아하게 생각할 수도 있지만, 밥 딜런(75)은 현대 대중음악에 혁명을 일으킨 싱어송 라이터이다.  밥딜런은 1941년 미네소타주에서 유대인 이민자 가정에서 출생하여  미네소타 대학을 다니다가 포크송을 노래하기 시작했고 중퇴하여 뉴욕으로 이주하여 62년에 대뷔했다.  

딜런은 어린 시절 대공황 시대의 빈곤 노동자들의 감정을 노래한 포크 가수 우디 거스리 (1912 ~ 67년)에 심취한다.  베트남 전쟁과 인권운동, 히피즘이 몰아치전 60년대 미국에서 사회적 메세지가 강한 ‘민중가요’를 차례로 발표하고 대중의 지지를 받는다. 전쟁과 인종차별에 반대하는 대표적인 곡으로 ’Blowin’in the wind’ 가 있다. 

당시의 대중음악은 사랑에 대한 간단한 가사들이 대부분이었는데, 밥 딜런의 가사를 듣다보면 삶의 의미를 묻는 추상적인 색채가 밀려오며 유행가의 범위를 벗어난다. 

(출처 : 구글)

1960년대 중반 미국의 대학가에서는 ‘Another side of Bob Dylan’, ‘Bring it all black home’, ‘Highway 61 revisited’ 라는 곡들이 차례로 발표된 이후, ’밥딜런의 시분석’ 이라는 강좌가 유행했을 정도라고 한다. 

허스키한 목소리로 기타를 치며 포크,록,컨트리의 요소를 혼합한 독창적은 음악을 창조하여 전세계 많은 가수에게 영향을 주었다. 

가수 밥딜런의 노벨문학상 수상은 대중가요 가사의 ‘문학적인 가치’에 대한 인정이다.  우리나라에도 밥 딜런과 같은 민중가수도 많은데 ‘노벨문학상’은 영어 등 라틴계 문화권에서만 나오는 게 아닌지 아쉽다.  

독일 자동차메이커 BMW는 10월 13일 신형 '5 시리즈 세단'을 유럽에서 발표했다. "The new lighter, leaner BMW 5 Series" 더 가볍고 날렵함을 강조하여 코너링 성능이 더 강화된다.

현재 BMW 5시리즈 세단은 2010년 3월 제네바 모터쇼 10에서 처음으로 공개되었고 2013 년 9월에 프랑크푸르트 모터쇼 13에서 대폭으로 업그레이드된 모델을 발표했다.  금번 유럽에서 발표된 모델은 데뷔한 지 6년 후에 풀 모델 체인지한 7세대 모델이다. 

BMW 신형 5 시리즈 세단은 "가볍고 더 다이나믹하고 더 경제적인 완전한 커넥티드한 자동차"를 목표로 개발되었다. 특히 경량화에 역점을 두어서 직전세대 모델과 비교하여 최대 100kg을 줄였다.

알루미늄과 고장력 스틸의 사용을 확대하여 이전세대 대비 최대의 경량화를 실현했다.

신형 차체 크기는 전장 4935mm, 전폭 1868mm, 전고 1466mm, 휠베이스 2975mm. 이전세대 대비 36mm 길고, 6mm 넓어 졌으며, 2mm가 높아졌다.  휠베이스는 7mm 연장됐다. 공기 역학은 이전세대 대비 10% 개선된 Cd 0.22를 확보하여 BMW5시리즈 세단의 새로운 기준을 수립했다. 

인테리어는 운전자 중심의 스포티함과 세련된 품격의 균형을 맞추었으며 뛰어난 품질을 가진 소재를 이용하여 최고의 생산 품질로 마무리했다. 이전세대 대비 뒷좌석의 머리 공간이 확대되었고 트렁크 용량도 530 리터로 향상되었다.

일본에서는 반다이 남코 게임스가  PSVR출시일과 맞추어 플레이스테이션 VR 전용 타이틀  [서머 레슨 : 미야모토 아키라 세븐 데이즈 룸 (기본 게임 팩)]을 2016년 10월13일부터 다운로드를 통해 독점적으로 판매를 개시했다. (일본 엔화 2980엔) 

“썸머 레슨 : 미야모토 아키라 세븐 데이즈 룸 (기본 게임팩)'은 향후 시리즈물로 계속 출시될 예정인 “썸머 레슨"의 컨텐츠 제1탄이다. 

기본 게임 팩에서 사용자는 교사가 되어 제자 "미야모토 아키라”를 가르치며 7 일을 함께 보낼 수있다.

VR의 특성을 충분히 활용하여 마치 옆에 생생하게 있는 것 같은 거리에서 대화를 나누면서 여러가지 소소한 엑티비티를 즐길 수 있다. 

가상현실 속의 아리따운 제자 ‘미야모토 아키라’는 플레이어의 선택에 따라 변화하고 성장해 간다.   아키라의 성장은 5가지 요소로 구성되어 잇다. 근성, 두뇌회선, 정서적 안정성, 직관력, 영감이다.  교사역할을 하는 플레이어의 목표는 그녀의 5 가지 능력을 성장시키는 것이다. 

가르치는 수업의 방식에 따라 성장의 방향이 바뀌기 때문에 그녀를 어떻게 성장시킬 것 인가는 플레이어에 달려 있다. 

Summer lesson은 미야모토 아키라와 보내는 일주일에 변화를 주면서 반복적으로 보낼 수 있는 게임 요소를 포함하고 있다. 

플레이를 다시 할 때 저장된 데이터를 클리어할 수 있기 때문에 처음에 플레이 하지 않았던 레슨이나 상황을 선택하여 다시 즐길 수도 있고 게임 중간에 의상을 변경할 수도 있다. 

아쉽게도 아직 한국어 출시일정은 미정이다. 

소니가 13일에 발매하는 플레이스테이션 VR 가상 현실 단말기는 VR이 스마트 폰처럼 사람들의 삶에 밀접한 제품이 될 것인지 여부를 판별하는 시금석이 될 것으로 보여지고있다. 

'플레이 스테이션 (PS) VR'의 매출이나 사용 방법에 따라 소니뿐만 아니라 관련 업계의 동향이 좌우 될수 있을 것으로 업계에서 귀추를 주목하고 있다. 

"업계 내외의 많은 사람들과 분석가들이 PSVR 의 발매를 실제 테스트라고 생각하고있다"고 소니 VR 소프트웨어 개발에 종사했던 데이브는 말했다. 

PSVR 의해 "VR이 매일 하고 싶은 기기인지, 1 주일에 몇시간 또는 얼마나 자주 쓰이는지"이 밝혀 질 것이라고 말했다.

VR 고글 형 단말은 쓰는 것으로 3D 영상 속에 몸을 둔 것 같은 현장감을 얻을 수 있다. 게임뿐만 아니라 스포츠나 음악 등에도 활용도가 높다.

 올해는 VR 원년으로 미국 페이스북 산하 오큐라스 VR과 대만의 宏達 국제 전자 (HTC)가 전용 단말기를 출시하고 미국 구글도 저렴한 제품을 발표했다.

소니는 발매 대수가 4000 만대를 넘은 PS4와 연결하여 사용 PSVR는 VR 단말기의 본명으로 보여지고있다.

소니 가상현실단말기(PSVR) 판매 전망

　　Playstation VR (PSVR)은 인터넷에서 예약 을 통한 구매 희망 고객이 쇄도하고 있었다. 골드만 삭스는 7 월 18 일자 리포트에서 PSVR 출하량 전망에 대해 올해 150 만대, 내년에는 300 만대로 예상했으며, 이는 오큐라스와 HTC의 몇 배의 규모이다.

소니제품이 가격과 자체 콘텐츠가 충실하다는 것이 이유다. 

소니는 게임을 성장 영역으로 자리 매김하고 있으며, 이번 분기는 게임 및 네트워크 서비스 영역에서 전분기 대비 5 % 증가한 1350 억엔의 영업이익이 예상된다.

새로운 시장을 만든다는 점에서 소니는 "매우 독특한 위치 '에 있다. PS4의 고객을 기반으로 사전 체험 이벤트에 반응에서 PSVR가 “좋은 평가를 받을 가능성이 높다"고 말했다.

게임의 충실도는 PSVR의 가장 큰 경쟁력이다.  올해안으로 약 50개의 타이틀을 VR을 대상으로 출시한다. 스퀘어 에닉스 홀딩스의 인기 시리즈 '파이널 판타지'와 캡콤의 「바이오 해저드」의 등 신작이 포함되어있다.

반다이 남코 홀딩스가 개발 한 '서머 레슨'에서는 플레이어가 교사 역으로 소녀 캐릭터에게 공부를 가르친다. VR의 특징을 살려 입체적으로 보이는 캐릭터와의 만남을 즐길 수있다.  게임의 재미를 공부와 혼합하여 ‘집에 하나 두어도 괜찮은 기기’로 널리 받아들여 질 수도 있다. 

골드만 삭스는 리포트에서는 2025 년 시점의 VR과 AR (증강 현실)의 시장 규모를 소프트웨어와  하드웨어를 합쳐서 950억 달러 (약 100조원)로 예상했다.  노트북 (1110 억 달러 )과 데스크톱 (630 억 달러)에 "필적하는 시장이 나타날 것이다"고 전망했다. 이 리포트에 따르면 PSVR는 PS4의 판매 대수를 살려 VR 시장에서 큰 점유율을 획득 할 전망이다.