my fintech empire.

Chapter 446 [Use financial thinking to solve this problem]

The content of Fang Hong's Weibo is already implicitly expressing that he is not optimistic about the market outlook, but he can't be too bearish about the market outlook. After all, there are now more than 4000 million followers, and most of them are investors.

Properly the most top-ranking big V blogger in China’s First Finance and Economics, God K’s current status in the arena of big A is self-evident. Of course, there is no need to go into too much detail. With his huge influence, he will be called by the village chief if he publicly sings about big A. The rhythm of caring.

As for what the market will be like next year, Fang Hong is very clear in his heart. To sum it up in one sentence: the ideal is very full, and the reality is very backbone.

During the first quarter of the first half of next year, A-share investors are confidently looking forward to 4000 points in the illusory bull market created by brokerages and media.

In the second half of the year, amidst the low valuations that the institutions tried their best to whitewash, they continued to buy the bottom and buy the bottom again.

At the end of the year, the relaxation of monetary policy finally gave investors hope, but concerns about the downward pressure on the economy cast a shadow over the stock market.

If the unforgettable memory of 2008 has not been forgotten, and the joy of the rebound in 2009 seems to have not reached its climax, then in the following 2011, there will be a wave of negative decline like a blunt knife, and in 2012, it will last the previous year. The haze has been filled with bearishness year after year.

……

But at this moment, after Fang Hong's Weibo was updated, fans were all shocked by the asset size of the income chart he announced.

[The total net assets have reached 362 billion? ]
[Cow pen! ]
[Wolf?It's hard to make money, this can already enter the fifth place in the domestic rich list, right? ]
[肯定进了，十月份发的胡润富豪榜，第一到第五分别是534亿、480亿、384亿、380亿和360亿，妥妥的把No.5挤下去了。]
[The horror is so horrible. ]
[Can you imagine that God K spent more than 6 yuan two and a half years ago to reach the current 360 billion yuan? ]
[In two and a half years, more than 5 times the rate of return...]
[You have made all the money in the market! ]
["lucky"]
[Is this lucky to be able to do it?This year, I have made more than 200 billion yuan. ]
[One person can instantly kill the net profit of the world's top [-] companies for a year, which is a big deal. ]
[Is K God Bitcoin still playing? ]
[K3478 follow-up review recovery//: Still playing a der, it has been cut. ]
[Hahaha……]
[Before someone was talking about the flash crash of Bitcoin, God K also buried himself, no loss.Looking at it now, the bitcoin money is not even a fraction of God K's total assets. ]
[People are playing as Happy Beans...]
[Why is my stock account losing money...]
[If you love him, let him go to the stock market, where is heaven.If you hate him, let him go to the stock market, it's hell. ]
[I think, the village chief should let God K ban him from entering the market, this scythe is too cruel, mortals can't play with it at all...(Shiba Inu.jpg)]
……

Fang Hong swiped Weibo for a while, thought for a while and decided to use part of the money to do public welfare undertakings, which can not only earn fame and achievement points, but also enjoy the extra treatment of "free spraying rights".

Such posting of assets, although they are all sunny assets, are all legal income.

But it is inevitable that some people will be envious and jealous, and they will still be sprayed to show off their wealth. If some are used for public welfare, to a large extent, they can enjoy the "free spray right" treatment. Even if they are sprayed, there will be more Fans of the game confronted him.

Just at this time, Tian Jiayi, who had already got off work, came out of the shower and came to the living room from upstairs.

Fang Hong saw the beautiful assistant walking slowly, and immediately said: "I plan to use 10% of the annual profit of my personal account for public welfare. What do you think is better? Help me think of a staff."

Hearing this, Tian Jiayi said without hesitation: "Educational support for poor students."

Fang Hong held his chin and couldn't help nodding: "Teaching people to fish is worse than giving them fish. This is a good choice, but the money must be sent to the poor students. In many cases, there is no need to support the poor students. in the hands of the person with the money."

Tian Jiayi said thoughtfully: "The loopholes in this problem are really difficult to solve, because you can't be sure whether the submitted application is true or not. The actual situation must be that there are people who are not short of money and use the places of poor students. , Poverty alleviation and student aid are in the hands of rich people, but you can’t verify them one by one, that would require a huge organization, and the huge management cost investment will exceed the proportion of those fraudulently used places.”

Fang Hong thought for a while and then said: "No, no, use financial thinking to solve this problem. I think it can be played in this way. For example, we support a poor student and provide him with a bursary, but we have to set a special condition. If he In the future, if he graduates and enters the society, he will have a decent job and a good income. The stipend used on him will be reflected as his debt. If he needs to return the stipend, he has to pay the principal and interest at the current central bank's benchmark interest rate. The returned funds will be used to support the next poverty-stricken group.”

Tian Jiayi was also very surprised when he heard his plan. He had never heard of such an operation.

Fang Hong obviously didn't finish his sentence, he continued: "If the student went to the society and messed around badly, and he hasn't been able to get out, the bursary that subsidized him will exempt him from the obligation to return, but he's messed up. It still has to be paid back. In this way, even if there are some impostors from non-poor families who have student trust relationships, they will not get any benefits. Even if you eat it, you have to spit it out.”

Tian Jiayi couldn't help being stunned, the angle of this idea is quite tricky.

If poor students change their destiny through education, the money is nothing, not to mention that you don’t have to repay the money when you can’t get out, and the debt will disappear in place. Only when you get out of the way will the debt exist and have to be returned.

Strictly speaking, it is not considered that the debt has disappeared, but the right of recourse is reserved, but there is a precondition for the right of recourse, that is, the debtor has to get out. If it is at the bottom, then the condition of the right of recourse will not be triggered.

This plan can play a good role in restricting some people who fraudulently use their quotas and falsely claim to get scholarships.

The tricky point of view is that if this Greek person is willing to live the same life, the same occupation, and the same income as the bottom-level people, and is willing to live the hard life of the bottom-level people in order to get a scholarship, Fang Hong is also willing to admit it.

But certainly no one is willing to live in hardship. It is foreseeable that in this way, those non-poor families will not think about the money, because it will have to be repaid in the future, and interest will have to be calculated.

The 16 years from elementary school to university graduation, even if calculated according to the central bank's benchmark interest rate, the interest is actually quite a lot.

After a while, Tian Jiayi couldn't help asking: "But, how did you get out of it? Your statement is very vague..."

Fang Hong said with a smile: "Isn't that simple? It's too simple, just one standard, two words: children."

Tian Jiayi said in astonishment: "Huh? Child?"

Fang Hong nodded and said with a smile: "If you want to be famous, you must at least get married, right? If you are married, you have to have children, right? Otherwise, how can you be famous? People who can find connections to grab scholarship resources for poor students usually have poor family conditions. He will be poor, and he will definitely get married and have children. Taking a step back, he is willing to choose not to marry, choose to be a child for my bursary, and is willing to pay such a price. I admit it, I admit it willingly, and I give him a vertical Thumbs up, bull pen."

Tian Jiayi said: "However, even poor people, even poor economic conditions, can still have children."

Fang Hong said indifferently: "That's simple, the bursary pays the principal and interest. As an adult, if you insist on doing so even when you know your abilities are limited, then you should pay for your own choice, and I will pay for you." Once, but you won't pay the bill again, since you insist on leaving, then you have to pay the debt with an extra debt."

A heart-wrenching fact is that ten years from now, many people will not even be able to get married, and those who are able to marry with a child are considered to be better than most young people.

There may be high-quality singles, but the majority of society must be forced to be single due to economic conditions.

If you dare to marry and have children, you will definitely have a house and a car. Children can be said to be the key core indicators that can measure an adult's economic conditions.

Because the young people in the future will not be as simple as adding a bowl and a pair of chopsticks to eat for multiple people like the older generation. They must go through various considerations before deciding whether to have children, especially the economic conditions.

Therefore, using whether there are children as an indicator is simple and efficient.

Because children indirectly bind a lot of things.

……

(End of this chapter)