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广东省人民政府首页  >  要闻动态  >  广东要闻

唐宁:普惠金融“三步走”

来源: 南方日报网络版     时间: 2019年10月14日 17:33:46
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名人坊娱乐平台直招龙虎代理客服QQ/微信【957734114】诚招代理【在线开户网址um996.com】龙虎和龙虎1赔2.211合1赔9.95,定位胆1赔9.95腾讯分分彩,5分,10分彩,最高返水100反9快,最高赔率,正规信誉大平台平台24h提供注册及登录。 唐宁:普惠金融“三步走”

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(并)(就)(“普)(惠)(金)(融)(的)(中)(国)(实)(践)(和)(愿)(景)(”发)(表)(了)(主)(题)(演)(讲)(。他)(表)(示)(,近)(期)(巴)(曙)(松)(博)(士)(及)(其)(研)(究)(团)(队)(对)(中)(国)(普)(惠)(金)(融)(提)(出)(了)(“三)(步)(走)(”的)(总)(结)(,第)(一)(步)(是)(小)(额)(信)(贷)(。对)(于)(普)(惠)(金)(融)(的)(受)(众)(群)(体)(,首)(要)(问)(题)(就)(是)(资)(金)(获)(取)(问)(题)(和)(信)(用)(建)(立)(问)(题)(。过)(去)(十)(年)(中)(国)(的)(普)(惠)(金)(融)(实)(践)(,在)(小)(额)(信)(贷)(方)(面)(有)(了)(相)(当)(长)(足)(的)(发)(展)(。当)(然)(,第)(一)(步)(还)(没)(完)(全)(解)(决)(,只)(刚)(刚)(开)(始)(,还)(有)(大)(量)(的)(未)(被)(满)(足)(的)(信)(用)(建)(立)(、资)(金)(获)(取)(问)(题)(。
  以)(下)(为)(主)(题)(演)(讲)(内)(容)(:
  非)(常)(荣)(幸)(有)(这)(样)(的)(机)(会)(,在)(大)(会)(发)(言)(。刚)(才)(听)(了)(很)(多)(专)(家)(的)(发)(言)(,非)(常)(有)(启)(发)(。我)(是)(一)(名)(金)(融)(创)(新)(的)(实)(践)(者)(,更)(多)(的)(是)(从)(实)(践)(的)(角)(度)(来)(做)(一)(些)(分)(享)(、汇)(报)(。难)(免)(挂)(一)(漏)(万)(,有)(请)(在)(座)(专)(家)(、同)(仁)(指)(正)(。
  我)(们)(谈)(普)(惠)(金)(融)(的)(中)(国)(实)(践)(和)(世)(界)(愿)(景)(。最)(近)(有)(几)(个)(非)(常)(重)(要)(的)(事)(件)(可)(以)(给)(我)(们)(一)(个)(感)(受)(,就)(是)(普)(惠)(金)(融)(在)(世)(界)(上)(、在)(中)(国)(的)(发)(展)(阶)(段)(。一)(个)(重)(要)(的)(实)(践)(,就)(是)(G20的)(财)(长)(和)(央)(行)(行)(长)(会)(议)(上)(,宣)(布)(了)(数)(字)(普)(惠)(金)(融)(的)(高)(级)(原)(则)(。我)(想)(这)(是)(在)(世)(界)(上)(的)(一)(个)(共)(识)(和)(愿)(景)(。
  我)(对)(这)(些)(高)(级)(原)(则)(的)(理)(解)(,有)(几)(个)(关)(键)(词)(:
  digital,数)(字)(。和)(我)(们)(谈)(到)(的)(金)(融)(科)(技)(、互)(联)(网)(金)(融)(,利)(用)(技)(术)(去)(实)(现)(普)(惠)(金)(融)(一)(脉)(相)(承)(。
  sustainable,可)(持)(续)(的)(。高)(级)(原)(则)(中)(谈)(到)(风)(险)(、创)(新)(的)(平)(衡)(,机)(构)(的)(可)(持)(续)(。
  responsible,负)(责)(任)(的)(,谈)(到)(的)(是)(机)(构)(创)(新)(过)(程)(中)(对)(消)(费)(者)(、社)(会)(的)(责)(任)(担)(当)(。
  smart,智)(慧)(的)(。包)(括)(监)(管)(方)(面)(,有)(宽)(容)(型)(,同)(时)(坚)(持)(底)(线)(、避)(免)(“一)(放)(就)(乱)(、一)(收)(就)(死)(”。以)(及)(创)(新)(文)(化)(方)(面)(,给)(予)(金)(融)(创)(新)(、金)(融)(科)(技)(、互)(联)(网)(金)(融)(以)(相)(应)(的)(空)(间)(。
  这)(些)(关)(键)(词)(,我)(想)(构)(建)(了)(普)(惠)(金)(融)(在)(世)(界)(范)(围)(内)(的)(发)(展)(大)(家)(的)(共)(同)(愿)(景)(。
  第)(二)(个)(事)(件)(,很)(有)(意)(思)(,几)(天)(前)(国)(务)(院)(常)(务)(会)(议)(上)(,专)(门)(就)(中)(小)(企)(业)(融)(资)(难)(,克)(强)(总)(理)(发)(表)(了)(重)(要)(讲)(话)(。其)(中)(一)(段)(话)(,对)(所)(有)(中)(国)(普)(惠)(金)(融)(业)(者)(,都)(是)(非)(常)(有)(启)(发)(、非)(常)(重)(要)(的)(。总)(理)(说)(,“的)(确)(,这)(几)(年)(国)(务)(院)(出)(台)(了)(不)(少)(文)(件)(,各)(金)(融)(机)(构)(、各)(部)(门)(也)(做)(了)(不)(少)(工)(作)(。从)(去)(年)(统)(计)(数)(据)(来)(看)(,企)(业)(融)(资)(成)(本)(也)(有)(所)(下)(降)(。但)(小)(微)(融)(资)(难)(问)(题)(,并)(没)(有)(根)(本)(解)(决)(,小)(微)(企)(业)(普)(遍)(反)(映)(,融)(资)(难)(在)(融)(资)(贵)(前)(,融)(资)(难)(比)(融)(资)(贵)(是)(更)(为)(紧)(迫)(的)(问)(题)(”。这)(是)(关)(于)(中)(国)(普)(惠)(金)(融)(实)(践)(发)(展)(阶)(段)(权)(威)(的)(一)(个)(认)(识)(。我)(们)(作)(为)(业)(者)(来)(讲)(,如)(何)(通)(过)(我)(们)(的)(创)(新)(实)(践)(,去)(回)(答)(克)(强)(总)(理)(解)(决)(融)(资)(难)(问)(题)(?
  另)(外)(一)(个)(重)(要)(事)(件)(,就)(是)(近)(期)(哈)(佛)(商)(业)(评)(论)(请)(巴)(曙)(松)(博)(士)(和)(研)(究)(团)(队)(合)(作)(,一)(起)(针)(对)(过)(去)(十)(年)(中)(国)(的)(普)(惠)(金)(融)(实)(践)(做)(了)(一)(个)(研)(究)(总)(结)(,并)(且)(对)(普)(惠)(金)(融)(未)(来)(的)(发)(展)(展)(望)(,有)(一)(个)(理)(论)(性)(、实)(践)(相)(结)(合)(的)(非)(常)(重)(要)(的)(总)(结)(。提)(出)(普)(惠)(金)(融)(“三)(步)(走)(”,这)(对)(整)(个)(行)(业)(发)(展)(的)(方)(向)(、逻)(辑)(,是)(很)(重)(要)(的)(认)(识)(。
  这)(个)(“三)(步)(走)(”,第)(一)(步)(,是)(小)(额)(信)(贷)(。普)(惠)(金)(融)(受)(众)(,无)(论)(是)(城)(市)(的)(中)(小)(微)(企)(业)(还)(是)(工)(薪)(阶)(层)(,还)(是)(大)(学)(毕)(业)(生)(、大)(学)(生)(,还)(是)(农)(村)(经)(济)(活)(跃)(的)(农)(户)(、贫)(困)(农)(户)(,一)(个)(首)(要)(问)(题)(,就)(是)(资)(金)(获)(取)(问)(题)(、信)(用)(建)(立)(问)(题)(。所)(以)(过)(去)(十)(年)(中)(国)(的)(普)(惠)(金)(融)(实)(践)(,首)(先)(也)(是)(针)(对)(这)(个)(问)(题)(,在)(小)(额)(信)(贷)(方)(面)(有)(了)(相)(当)(长)(足)(的)(发)(展)(。而)(且)(在)(世)(界)(来)(讲)(,创)(新)(深)(度)(、广)(度)(都)(具)(有)(领)(先)(性)(。
  当)(然)(,第)(一)(步)(还)(没)(有)(完)(全)(解)(决)(,只)(是)(刚)(刚)(开)(始)(,还)(有)(大)(量)(的)(未)(被)(满)(足)(的)(信)(用)(建)(立)(、资)(金)(获)(取)(问)(题)(。
  第)(二)(步)(,拓)(展)(面)(向)(普)(惠)(金)(融)(受)(众)(服)(务)(的)(范)(畴)(。因)(为)(小)(微)(企)(业)(和)(个)(体)(户)(、农)(户)(,除)(了)(缺)(钱)(的)(问)(题)(,还)(缺)(很)(多)(其)(他)(的)(金)(融)(服)(务)(。包)(括)(保)(险)(、理)(财)(。就)(用)(保)(险)(违)(例)(,实)(际)(工)(作)(中)(我)(们)(看)(到)(中)(国)(的)(中)(小)(微)(企)(业)(、个)(人)(、农)(户)(对)(保)(险)(的)(认)(知)(,对)(保)(险)(如)(此)(重)(要)(的)(工)(具)(使)(用)(,都)(是)(非)(常)(欠)(缺)(的)(。有)(很)(大)(的)(发)(展)(空)(间)(。
  继)(这)(些)(重)(要)(的)(其)(他)(金)(融)(服)(务)(提)(供)(给)(中)(小)(微)(企)(业)(和)(个)(人)(、农)(户)(之)(后)(,第)(三)(步)(,而)(是)(普)(惠)(金)(融)(最)(为)(有)(特)(点)(的)(、跟)(传)(统)(金)(融)(有)(很)(大)(不)(同)(的)(一)(个)(组)(成)(部)(分)(,就)(是)(能)(力)(建)(设)(。
  也)(就)(是)(说)(,面)(向)(这)(些)(普)(惠)(金)(融)(受)(众)(,提)(供)(普)(惠)(金)(融)(服)(务)(,不)(仅)(仅)(要)(解)(决)(他)(们)(获)(取)(金)(融)(产)(品)(和)(服)(务)(的)(需)(求)(,同)(时)(,要)(帮)(助)(他)(们)(更)(好)(地)(做)(好)(管)(理)(、展)(业)(。这)(是)(跟)(传)(统)(金)(融)(很)(不)(一)(样)(的)(。跟)(中)(石)(油)(、中)(石)(化)(提)(供)(金)(融)(服)(务)(,金)(融)(机)(构)(不)(需)(要)(告)(诉)(他)(们)(如)(何)(做)(石)(油)(生)(意)(,但)(是)(,如)(果)(我)(们)(服)(务)(的)(对)(象)(是)(中)(小)(微)(企)(业)(主)(、是)(个)(人)(、农)(户)(,要)(帮)(助)(他)(们)(做)(好)(能)(力)(建)(设)(。这)(样)(一)(个)(逻)(辑)(,无)(论)(是)(70年)(代)(尤)(努)(斯)(教)(授)(在)(孟)(加)(拉)(偏)(远)(农)(村)(做)(的)((格)(莱)(珉)(银)(行)(),还)(是)(过)(去)(十)(年)(在)(中)(国)(的)(实)(践)(,很)(多)(这)(样)(的)(成)(功)(案)(例)(,都)(说)(明)(了)(。
  以)(小)(额)(信)(贷)(为)(开)(始)(、延)(展)(到)(综)(合)(的)(全)(方)(位)(的)(金)(融)(服)(务)(,以)(能)(力)(建)(设)(为)(基)(础)(的)(这)(样)(一)(个)(构)(架)(,这)(是)(普)(惠)(金)(融)(在)(中)(国)(发)(展)(的)(一)(个)(蓝)(图)(。
  本)(来)(我)(总)(结)(了)(三)(个)(最)(近)(重)(要)(的)(事)(件)(,结)(果)(发)(觉)(,刚)(才)(在)(会)(场)(上)(还)(有)(另)(外)(一)(个)(重)(要)(的)(事)(件)(,就)(是)(黄)(老)(师)(的)(《互)(联)(网)(金)(融)(12讲)(》书)(的)(发)(布)(。
  跟)(大)(家)(分)(享)(三)(个)(例)(子)(。
  一)(个)(,就)(是)(面)(向)(城)(市)(的)(中)(小)(微)(企)(业)(进)(行)(普)(惠)(金)(融)(服)(务)(,包)(括)(小)(额)(信)(贷)(、微)(金)(融)(、能)(力)(建)(设)(方)(面)(的)(案)(例)(。
  最)(近)(我)(们)(推)(出)(了)(一)(项)(服)(务)(,叫)(“翼)(启)(云)(服)(”,是)(一)(个)(云)(平)(台)(,在)(这)(个)(云)(平)(台)(之)(上)(,中)(小)(微)(企)(业)(可)(以)(基)(于)(自)(己)(开)(展)(业)(务)(工)(作)(中)(的)(数)(据)(,包)(括)(供)(应)(链)(相)(关)(的)(数)(据)(,无)(论)(线)(上)(的)(数)(据)((结)(构)(性)(更)(强)(一)(些)(),还)(是)(线)(下)(数)(据)((结)(构)(性)(弱)(一)(些)(),但)(是)(我)(们)(要)(把)(这)(些)(数)(据)(做)(后)(期)(的)(结)(构)(化)(,提)(供)(相)(关)(的)(数)(据)(,基)(于)(数)(据)(做)(授)(信)(。这)(是)(第)(一)(步)(。同)(时)(基)(于)(这)(些)(数)(据)(,由)(于)(我)(们)(了)(解)(这)(些)(中)(小)(微)(企)(业)(的)(运)(营)(情)(况)(,我)(们)(帮)(助)(他)(们)(做)(相)(关)(的)(理)(财)(、保)(险)(服)(务)(。
  因)(为)(我)(们)(注)(意)(到)(,很)(多)(中)(小)(微)(企)(业)(在)(一)(半)(时)(间)(是)(缺)(钱)(的)(,但)(在)(另)(外)(一)(半)(时)(间)(是)(有)(钱)(的)(。缺)(钱)(时)(他)(不)(知)(道)(如)(何)(获)(取)(资)(金)(,有)(融)(资)(难)(的)(问)(题)(。有)(钱)(的)(时)(候)(,也)(不)(太)(善)(于)(理)(财)(。而)(且)(近)(期)(随)(着)(经)(济)(下)(行)(,中)(小)(企)(业)(在)(运)(营)(方)(面)(的)(难)(度)(越)(来)(越)(大)(。所)(以)(精)(打)(细)(算)(,理)(财)(如)(果)(能)(够)(做)(起)(来)(,也)(是)(非)(常)(大)(的)(一)(个)(帮)(助)(。
  另)(外)(很)(有)(意)(思)(的)(,就)(是)(在)(这)(个)(云)(平)(台)(之)(上)(,不)(仅)(提)(供)(金)(融)(服)(务)(,也)(帮)(助)(中)(小)(微)(企)(业)(做)(财)(务)(管)(理)(。他)(可)(以)(把)(自)(己)(在)(所)(有)(银)(行)(和)(第)(三)(方)(支)(付)(公)(司)(的)(账)(户)(有)(效)(地)(管)(理)(起)(来)(,知)(道)(每)(一)(个)(时)(刻)(自)(己)(的)(现)(金)(流)(情)(况)(,做)(相)(应)(的)(财)(务)(决)(策)(。过)(去)(,很)(多)(中)(小)(微)(在)(财)(务)(管)(理)(方)(面)(都)(比)(较)(落)(后)(、比)(较)(低)(效)(。
  在)(这)(个)(云)(平)(台)(之)(上)(,我)(们)(也)(帮)(助)(企)(业)(做)(报)(销)(服)(务)(。现)(在)(内)(部)(的)(财)(务)(报)(销)(都)(可)(以)(通)(过)(云)(+端)(的)(方)(式)(解)(决)(。有)(多)(少)(员)(工)(就)(开)(多)(少)(终)(端)(的)(账)(户)(。培)(训)(现)(在)(也)(可)(以)(通)(过)(云)(+端)(的)(方)(式)(解)(决)(,很)(多)(年)(轻)(员)(工)(在)(碎)(片)(化)(的)(时)(间)(需)(要)(3分)(钟)(一)(个)(知)(识)(点)(、5分)(钟)(一)(个)(知)(识)(点)(,才)(能)(很)(好)(的)(学)(习)(,而)(不)(是)(像)(原)(来)(在)(教)(室)(里)(学)(习)(。中)(小)(微)(企)(业)(怎)(么)(可)(能)(有)(在)(教)(室)(里)(学)(习)(这)(样)(奢)(侈)(的)(条)(件)(?更)(多)(是)(通)(过)(移)(动)(化)(、碎)(片)(化)(的)(方)(式)(去)(学)(习)(。我)(们)(云)(平)(台)(开)(始)(开)(三)(五)(个)(账)(户)(,随)(着)(企)(业)(的)(不)(断)(壮)(大)(,可)(以)(开)(更)(多)(账)(户)(,如)(果)(不)(得)(不)(“瘦)(身)(”,就)(少)(开)(一)(些)(账)(户)(。
  过)(去)(我)(们)(谈)(到)(互)(联)(网)(+、科)(技)(支)(撑)(小)(微)(企)(业)(发)(展)(,其)(实)(小)(微)(企)(业)(获)(取)(技)(术)(的)(成)(本)(,是)(非)(常)(高)(的)(。他)(们)(购)(买)(软)(件)(,不)(知)(道)(去)(哪)(里)(买)(,很)(贵)(,而)(且)(很)(容)(易)(坏)(,一)(坏)(,供)(应)(的)(厂)(商)(可)(能)(都)(不)(知)(道)(去)(哪)(里)(了)(。所)(以)(作)(为)(中)(小)(微)(企)(业)(来)(讲)(,享)(受)(科)(技)(带)(来)(的)(便)(利)(门)(槛)(,是)(非)(常)(高)(的)(。通)(过)(云)(平)(台)(、云)(计)(算)(的)(这)(种)(方)(式)(,就)(帮)(助)(中)(小)(微)(企)(业)(很)(好)(的)(做)(管)(理)(,开)(展)(业)(务)(。
  “一)(起)(云)(服)(”这)(样)(的)(平)(台)(模)(式)(,就)(很)(好)(的)(诠)(释)(了)(我)(们)(刚)(才)(讲)(的)(普)(惠)(金)(融)(“三)(步)(走)(”,小)(额)(信)(贷)(-微)(金)(融)(-能)(力)(建)(设)(这)(样)(一)(个)(逻)(辑)(。
  第)(二)(个)(案)(例)(是)(针)(对)(农)(户)(的)(。宜)(信)(在)(2009年)(开)(始)(,有)(7年)(时)(间)(针)(对)(农)(村)(从)(事)(相)(关)(的)(金)(融)(创)(新)(工)(作)(。我)(们)(发)(明)(了)(一)(种)(方)(式)(,小)(微)(租)(赁)(。
  刚)(回)(国)(的)(时)(候)(我)(听)(说)(租)(赁)(业)(务)(很)(好)(做)(,都)(是)(大)(飞)(机)(、大)(轮)(船)(,说)(租)(出)(去)(之)(后)(大)(轮)(船)(万)(一)(找)(不)(到)(了)(,就)(派)(两)(个)(人)(,一)(个)(从)(长)(江)(头)(,一)(个)(从)(长)(江)(尾)(去)(找)(,最)(后)(轮)(船)(肯)(定)(在)(什)(么)(地)(方)(,是)(这)(样)(的)(风)(险)(控)(制)(方)(式)(。我)(们)(在)(农)(村)(开)(展)(工)(作)(,发)(现)(一)(个)(特)(点)(,就)(是)(农)(户)(利)(用)(工)(具)(产)(业)(化)(集)(约)(化)(的)(过)(程)(中)(,很)(难)(有)(十)(万)(、二)(三)(十)(万)(的)(资)(金)(,能)(买)(下)(这)(个)(工)(具)(。怎)(么)(办)(?我)(们)(就)(把)(过)(去)(面)(向)(大)(物)(件)(的)(这)(种)(租)(赁)(,创)(新)(为)(小)(微)(租)(赁)(,十)(万)(、二)(三)(十)(万)(他)(可)(以)(租)(这)(些)(器)(具)(。控)(制)(风)(险)(,就)(是)(利)(用)(大)(数)(据)(、物)(联)(网)(的)(方)(式)(。他)(可)(能)(把)(拖)(拉)(机)(开)(得)(很)(远)(,烘)(干)(塔)(可)(能)(很)(远)(,但)(烘)(干)(塔)(上)(都)(有)(传)(感)(器)(,我)(们)(可)(以)(实)(时)(知)(道)(烘)(干)(塔)(是)(不)(是)(在)(作)(业)(、到)(底)(每)(天)(烘)(干)(了)(多)(少)(。而)(这)(些)(,都)(可)(以)(通)(过)(科)(技)(的)(方)(式)(,做)(信)(息)(捕)(捉)(、数)(据)(获)(取)(,并)(且)(实)(时)(风)(险)(防)(控)(。
  从)(2009年)(开)(始)(,我)(们)(推)(出)(了)(一)(个)(宜)(农)(贷)(平)(台)(,虽)(然)(在)(我)(们)(千)(亿)(规)(模)(中)(运)(行)(了)(7年)(,只)(有)(不)(到)(2亿)(的)(规)(模)(,1.96亿)(的)(规)(模)(,但)(是)(非)(常)(有)(代)(表)(性)(。它)(是)(100块)(钱)(、200块)(钱)(,把)(城)(市)(爱)(心)(人)(士)(的)(出)(借)(资)(金)(跟)(农)(村)(的)(贫)(困)(妇)(女)(2000元)(、3000元)(的)(需)(求)(对)(接)(起)(来)(的)(一)(个)(互)(联)(网)(金)(融)(的)(模)(式)(创)(新)(。等)(于)(城)(市)(里)(参)(与)(这)(些)(公)(益)(行)(为)(,不)(用)(大)(富)(豪)(大)(企)(业)(,任)(何)(人)(100块)(钱)(就)(可)(以)(通)(过)(这)(样)(的)(平)(台)(借)(给)(在)(陕)(西)(、甘)(肃)(等)(等)(贫)(困)(地)(区)(的)(农)(村)(妇)(女)(,做)(种)(植)(、养)(殖)(项)(目)(,而)(且)(一)(年)(之)(后)(钱)(还)(回)(来)(,可)(持)(续)(的)(再)(借)(给)(更)(多)(的)(人)(。
  我)(们)(当)(时)(运)(作)(这)(个)(平)(台)(,还)(有)(很)(多)(怀)(疑)(,能)(不)(能)(做)(下)(去)(?2009年)(,我)(和)(白)(成)(玉)((音)()老)(师)(到)(陕)(西)(西)(乡)(做)(相)(关)(的)(调)(研)(,我)(想)(,金)(融)(创)(新)(坚)(持)(下)(来)(,就)(是)(胜)(利)(。不)(断)(坚)(持)(,就)(能)(产)(生)(累)(积)(性)(的)(效)(果)(。这)(2亿)(元)(一)(共)(帮)(助)(了)(19559位)(贫)(困)(农)(户)(,主)(要)(是)(妇)(女)(。参)(与)(的)(出)(借)(人)(,近)(17万)(人)(,是)(全)(国)(各)(地)(的)(城)(市)(的)(爱)(心)(人)(士)(。
  所)(以)(我)(想)(,金)(融)(创)(新)(、互)(联)(网)(金)(融)(、普)(惠)(金)(融)(,对)(公)(益)(方)(面)(也)(会)(有)(重)(大)(的)(突)(破)(。
  第)(三)(个)(案)(例)(,解)(决)(小)(客)(户)(的)(理)(财)(问)(题)(。刚)(才)(几)(位)(讲)(到)(了)(机)(器)(人)(投)(顾)(,就)(是)(所)(谓)(“10万)(美)(元)(困)(境)(”,这)(是)(一)(个)(世)(界)(难)(题)(。如)(果)(一)(个)(美)(国)(投)(资)(者)(有)(10万)(美)(元)(,到)(了)(美)(国)(财)(富)(管)(理)(机)(构)(说)(,“我)(有)(10万)(美)(元)(,请)(您)(帮)(我)(打)(理)(,做)(资)(产)(配)(置)(服)(务)(”。美)(国)(的)(财)(富)(管)(理)(机)(构)(会)(说)(,“No,我)(们)(服)(务)(不)(了)(你)(”。投)(资)(者)(说)(,10万)(美)(元)(,还)(是)(很)(多)(啊)(。他)(说)(不)(是)(,我)(们)(就)(是)(为)(大)(客)(户)(、高)(净)(值)(客)(户)(提)(供)(服)(务)(的)(,您)(这)(10万)(美)(元)(我)(们)(人)(工)(提)(供)(服)(务)(,算)(不)(清)(账)(,服)(务)(不)(起)(,到)(别)(的)(地)(方)(。所)(以)(这)(些)(年)(有)(许)(多)(美)(国)(的)(机)(构)(在)(尝)(试)(解)(决)(10万)(美)(元)(的)(困)(境)(问)(题)(,能)(服)(务)(这)(些)(人)(,至)(今)(都)(没)(有)(解)(决)(。
  最)(近)(兴)(起)(的)(机)(器)(人)(投)(顾)(,应)(该)(是)(重)(要)(的)(技)(术)(创)(新)(、模)(式)(创)(新)(。既)(然)(人)(工)(方)(式)(解)(决)(不)(了)(,那)(我)(们)(就)(用)(机)(器)(人)(的)(方)(式)(。当)(然)(刚)(才)(专)(家)(讲)(,这)(个)(机)(器)(人)(我)(们)(是)(知)(道)(它)(的)(目)(的)(的)(,存)(在)(价)(值)(就)(是)(帮)(助)(理)(财)(者)(做)(财)(富)(保)(值)(增)(值)(、资)(产)(配)(置)(,是)(遵)(循)(资)(产)(配)(置)(的)(逻)(辑)(来)(做)(的)(。实)(现)(跨)(地)(域)(国)(别)(配)(置)(、跨)(资)(产)(类)(别)(配)(置)(。所)(以)(全)(球)(的)(这)(样)(的)(配)(置)(,所)(有)(大)(类)(资)(产)(,包)(括)(发)(达)(国)(家)(的)(股)(和)(债)(、发)(展)(中)(国)(家)(的)(股)(和)(债)(、黄)(金)(、流)(动)(性)(强)(的)(房)(地)(产)(相)(关)(的)(证)(券)(等)(等)(,是)(基)(于)(机)(器)(人)(会)(问)(您)(相)(关)(的)(风)(险)(问)(题)(,通)(过)(这)(些)(问)(题)(识)(别)(风)(险)(偏)(好)(、风)(险)(承)(受)(度)(,然)(后)(根)(据)(这)(个)(推)(荐)(给)(你)(一)(个)(资)(产)(组)(合)(。这)(个)(组)(合)(,都)(是)(用)(流)(动)(性)(强)(的)(证)(券)(,而)(且)(成)(本)(非)(常)(低)(的)(ETF,能)(实)(现)(全)(球)(覆)(盖)(、全)(资)(产)(类)(别)(覆)(盖)(。那)(你)(就)(可)(以)(找)(到)(一)(个)(适)(合)(自)(己)(的)(风)(险)(承)(受)(度)(和)(自)(己)(生)(活)(目)(标)(的)(资)(产)(组)(合)(。之)(后)(机)(器)(人)(就)(会)(24小)(时)(*7天)(,不)(吃)(不)(睡)(,非)(常)(尽)(职)(尽)(责)(的)(帮)(助)(你)(追)(踪)(这)(样)(一)(个)(资)(产)(组)(合)(,而)(且)(适)(时)(的)(阶)(段)(性)(的)(进)(行)(调)(整)(。机)(器)(人)(效)(率)(非)(常)(高)(。人)(工)(投)(顾)(一)(天)(读)(不)(了)(多)(少)(报)(告)(,机)(器)(人)(可)(以)(在)(很)(短)(的)(时)(间)(内)(有)(海)(量)(信)(息)(的)(获)(取)(、整)(理)(能)(力)(,生)(成)(各)(种)(相)(应)(的)(算)(法)(。
  这)(样)(一)(个)(始)(终)(没)(有)(解)(决)(的)(行)(业)(的)(老)(大)(难)(问)(题)(,而)(且)(社)(会)(上)(广)(大)(小)(客)(户)(如)(何)(真)(正)(实)(现)(资)(产)(配)(置)(理)(念)(的)(落)(地)(?过)(去)(只)(有)(大)(客)(户)(才)(能)(享)(受)(“高)(大)(上)(”的)(资)(产)(配)(置)(服)(务)(,小)(客)(户)(是)(不)(可)(能)(的)(,那)(我)(们)(两)(个)(月)(之)(前)(
  推)(出)(“投)(米)(RA”,有)(中)(文)(,也)(有)(英)(文)(,看)(起)(来)(是)(很)(酷)(的)(一)(个)(名)(字)(,投)(米)(,意)(味)(着)(一)(粒)(米)(一)(粒)(米)(,不)(断)(成)(长)(,RA就)(是)(RobotAdviser。我)(们)(投)(米)(RA所)(做)(的)(事)(情)(,就)(是)(帮)(助)(中)(国)(小)(的)(理)(财)(者)(,过)(去)(被)(那)(些)(“高)(大)(上)(”的)(财)(富)(管)(理)(机)(构)(拒)(之)(门)(外)(的)(一)(群)(人)(,但)(是)(他)(们)(最)(需)(要)(普)(惠)(金)(融)(相)(关)(的)(理)(财)(的)(。因)(为)(大)(客)(户)(有)(很)(多)(财)(富)(,无)(大)(所)(谓)(,越)(是)(小)(客)(户)(,越)(是)(需)(要)(帮)(助)(。所)(以)(技)(术)(创)(新)(、模)(式)(创)(新)(,给)(了)(他)(们)(很)(好)(的)(帮)(助)(。
  结)(语)(。
  作)(为)(金)(融)(创)(新)(业)(者)(来)(讲)(,我)(们)(对)(于)(阶)(段)(性)(的)(金)(融)(科)(技)(在)(全)(球)(的)(发)(展)(,还)(是)(非)(常)(兴)(奋)(的)(。刚)(刚)(开)(始)(,在)(支)(付)(、P2P网)(贷)(,有)(了)(十)(年)(的)(发)(展)(,有)(了)(相)(当)(的)(规)(模)(,但)(是)(像)(众)(筹)(、机)(器)(人)(投)(顾)(、保)(险)(科)(技)(、区)(块)(链)(等)(等)(这)(些)(,都)(刚)(刚)(开)(始)(,方)(兴)(未)(艾)(。所)(以)(我)(们)(期)(待)(未)(来)(十)(年)(、二)(十)(年)(、五)(十)(年)(,金)(融)(在)(模)(式)(创)(新)(、科)(技)(创)(新)(的)(支)(撑)(之)(下)(,可)(以)(变)(得)(更)(美)(好)(。
  金)(融)(业)(者)(的)(终)(极)(梦)(想)(,就)(是)(通)(过)(自)(己)(的)(所)(知)(、所)(学)(、所)(做)(、所)(为)(,使)(得)(有)(限)(的)(、稀)(缺)(的)(资)(源)(,不)(论)(是)(资)(金)(,还)(是)(机)(会)(,还)(是)(信)(息)(,真)(正)(能)(够)(配)(置)(、送)(达)(到)(有)(德)(、有)(财)(、有)(担)(当)(的)(个)(人)(和)(企)(业)(组)(织)(那)(里)(去)(。实)(现)(了)(更)(好)(的)(金)(融)(配)(置)(,就)(能)(有)(更)(好)(的)(百)(业)(、更)(好)(的)(社)(会)(。基)(于)(此)(,我)(们)(宜)(信)(公)(司)(的)(全)(体)(同)(仁)(愿)(意)(跟)(业)(界)(大)(家)(一)(起)(继)(续)(努)(力)(,使)(得)(模)(式)(创)(新)(、技)(术)(创)(新)(让)(金)(融)(更)(美)(好)(。
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