A letter to the Nine Heavens.
Thanks to Wang Donglai's status as a top scholar and the respect and attention given to scholars in the country, Wang Donglai naturally submitted this report.
However, when Wang Donglai submitted this report, the impact was beyond Wang Donglai's expectation.
The report was submitted in the morning, and the relevant personnel arrived in the afternoon.
Wang Donglai was stunned for a moment when he saw the relevant person in uniform, and then calmed down.
"Professor Wang, according to the instructions of the leader, we came here to ask you some questions."
After meeting, a middle-aged man with a secretary-like temperament said politely.
Although the tone was polite, it was extremely firm and could not be refused.
"Okay!" Wang Donglai agreed without any unhappy mood.
Soon.
A very quiet office.
After a brief arrangement, the secretary introduced himself and said: "Professor Wang, my surname is Li, and I am from the leadership office."
"I am here to see you this time. It’s just asking some questions, don’t put any psychological pressure on me.”
Secretary Li no longer had the serious business look before, and his tone and expression became a little more gentle.
Wang Donglai nodded and said: "Whatever Director Li wants to ask, just ask, I will definitely cooperate!"
"Well, Professor Wang, did you submit a document "One or Two Insights on Industry 2025 and Finance" this morning?"
Wang Donglai nodded again, acknowledged it, and said: "I submitted it, The content inside was written by me myself.”
Secretary Li paused slightly and then asked, “Can you take full responsibility for what you said?”
As soon as these words came out, the atmosphere in the office suddenly became extremely stagnant.
Wang Donglai did not hesitate at all and said immediately: "I am willing to take full responsibility!"
"Professor Wang, okay, this is our work process. These two sentences must be asked. They have no other meaning. I hope Professor Wang can understand."
Secretary Li's face was pale He smiled slightly and explained to Wang Donglai aloud.
Wang Donglai nodded and said nothing.
"Professor Wang, your article has been read by leaders, and many leaders have read it, which has caused a lot of discussion."
"It is precisely because it involves The matter is more important, so the leader asked me to come and ask.”
"In the article, Professor Wang seems to have some own views on the industrial manufacturing 2025 plan. Can you explain your views in detail? Professor Wang, tell me your views, or the source."
When Secretary Li got down to business, his eyes shone, and his whole person exuded a shrewd and capable temperament.
“The Industry 2025 plan targets Germany’s Industry 4.0 plan. This is actually a plan for industrial upgrading and technological innovation, which is even more important for our country.”
“ I believe that when the country made this plan, it definitely went through careful consideration. The plan was finally made after considering and soliciting opinions from all parties.”
“I very much recognize the necessity of Industry 2025. Our country is a country with a large population and a large country with an entire industrial chain. We have 1.4 billion people in the country. To strive towards a well-off society for all, technological upgrading is an inevitable task.”
“In the mid-to-low-end field, our country firmly occupies the role of the world’s factory, providing a large number of mid-to-low-end products to the world. In the past, this brought a large amount of foreign exchange to our country and created a lot of Jobs have driven economic development and improved people’s living standards.”
“But with the development of the times, our development has reached another stage, and it is bound to hit the high-end field, because the high-end field is the only one. is the most profitable market."
"Industry 2025 is a good way. As long as we can catch up with the international advanced level in high-end fields, our development level can soar again."
"This is. It is a good thing that benefits the country and the people. As a Chinese, I am naturally willing to see this scene.
"In the report, I provided a large amount of data in detail and used more understandable data to describe the situation. We are lagging behind in related fields. ”
"Only by knowing the gap can we catch up better."
"In my opinion, although the gap between us and the West is huge, it is not a huge difference, and we are completely able to catch up."
“In the semiconductor field, I think we need to invest more and greater resources and pay more attention to it.”
“Because with our rise, we have already caused the bald eagle to Be vigilant, since the beginning of the century, they have been looking for ways to influence It affects us, but even so, it has not interrupted our rise. As our GDP gets closer and closer to the bald eagle, if various industrial data continue to skyrocket, the bald eagle is likely to take more drastic actions."
“In the report, I analyzed that Bald Eagle will take sanctions, increase tariffs, block related industries, impose large fines, initiate trade disputes, withdraw investment, change investment direction, etc.”
"In modern society, the importance of the semiconductor industry is far beyond imagination, and this will inevitably be used by Bald Eagle to make a fuss at the first opportunity."
"Central International, ZTE and some high-tech companies, plus Professor Ruan Wei was detained by the bald eagle for no reason before going to the hospital. This is clear evidence."
"..."
Wang Donglai said a lot in one breath.
Secretary Li did not interrupt. He listened quietly and recorded it in his notebook.
After Wang Dong finished speaking, Secretary Li did not comment on what Wang Donglai said, but asked the next question.
"Professor Wang, can you elaborate on your views on P2P?" When he said this, Secretary Li paused and glanced at Wang Donglai with a profound look.
Wang Donglai noticed this scene and thought about Secretary Li’s question twice in his mind. After figuring out the meaning, he pondered for a while and then said: "Without investigation, there is no investigation. The right to speak, this is what a great man said, so for P2P, I still carried out A detailed investigation! ”
“In 2007, the first p2p online lending platform in China was established in Shanghai, which made many investors who dared to try Internet investment realize the p2p online lending model, and others followed. Start a p2p online lending platform ”
"From 2007 to 2012, at this stage, there were about 20 online lending platforms across the country, with less than 10 active platforms, a transaction amount of about 500 million, and about 10,000 effective investors."
“Because most of the employees are Internet entrepreneurs and have no experience in private lending and financial manipulation. In addition, our country’s citizen credit system is not perfect, and there is a lack of contact and communication between platforms. The phenomenon of multi-platform lending has emerged, which ultimately led to bad results. Various problems continued to accumulate over time. At the end of 2011, major platforms shrank borrowers' credit lines, resulting in concentrated defaults. From November 2011 to February 2012, the first wave of default risks appeared, with the highest overdue fines The amount is 25 million, and the overdue amount on each major platform is more than 10 million.”
“The next 2012 to 2013 was a period of rapid expansion focused on regional loans, and many had experience in private offline lending. Internet-savvy entrepreneurs began to open p2p online lending platforms. Software development companies developed relatively mature online platform templates, which made up for the technical shortcomings of entrepreneurs with private offline lending experience in setting up online lending platforms. As a result, there were only 20 domestic online lending platforms. It grew rapidly to 240, and by the end of 2012, the monthly turnover reached 3 billion yuan, with between 25,000 and 40,000 effective investors.”
“By 2013, because of the online lending system. The development of templates is more mature. You can even buy early online lending platform templates in Taobao stores for a few hundred yuan. With major domestic banks tightening money, many companies and speculators who lack funds have seen it on p2p online lending platforms. Business opportunities. ”
“At this stage, the number of domestic online lending platforms has soared from 240 to about 600. By the end of 2013, the monthly turnover was around 11 billion, and the number of effective investors reached 130,000. ”
“In 2014, the state came forward to express its attitude of encouraging Internet finance + innovation, and gave strong support to P2P online lending platforms in terms of policy, which caused many entrepreneurs and financial giants who had always paid attention to online lending platforms but were afraid of policy risks to start Try to access the internet In the field of finance (ITFIN), we established our own P2P online lending platform. ”
“So, in August, the online lending platform was launched intensively, but at the end of April, the monthly funds of the national p2p online lending platform were reduced. Transaction volume exceeds 16 000 million, the monthly turnover exceeded 35 billion by the end of the year, the number of platforms increased to about 1,300, and the number of effective investors reached 500,000. "
"At present, there are more than 1,800 domestic p2p registered platforms, and the online loan industry. transactions have exceeded one trillion, even though This number is huge, but it is far from meeting the needs of the entire investment market. The development of investment needs in the online lending industry is still in its early stages."
When Wang Donglai recited this information, Li said. The secretary gently interrupted Wang Donglai.
"Professor Wang, where did you get these data? Can you guarantee the authenticity of these data?"
Wang Donglai looked at Secretary Li, nodded seriously, and said: "Secretary Li, you know, I am a mathematician and I am extremely sensitive to numbers. These things are not complicated."
Secretary Li nodded. He nodded and said: "Professor Wang, continue!"
Wang Dong Lai didn't take it seriously and continued: "Whenever a new thing appears, it will cause chaos and problems. When the P2P industry is booming, there have also been cases of forged targets, broken capital chains, absconding with money, etc. Case, betraying the identity of the original P2P intermediary platform, and earning Set at the borrower’s 0.5% handling fee and the lender’s 0.5% service fee, the domestic P2P industry has begun to differentiate.”
“P2P companies package debt into financial products through the Internet and physical stores. Selling to the public, the annual return rate is 12% to 20% %, public funds directly enter the company's account or the legal representative's personal account, and it gradually changes from a simple "matching of fund supply and demand" to an institution that absorbs deposits and issues loans. "
When it comes to this, Secretary Li's eyes flashed and he recorded this key point.
"There are no entry barriers, no industry standards, and no institutional supervision. This is the main reason for disorderly competition among domestic P2P institutions."
"Platform companies have nothing. They put other people's money and make their own money. The platform will make money as long as it lends money. This kind of business model will definitely cause problems.”
“I actually have some information here, I don’t know if Secretary Li wants it. Want to see it?"
Secretary Li smiled confidently and said, "If Professor Wang thinks it is useful for this problem, you might as well take it out."
Wang Donglai nodded and hesitated. After a while, he said: "I don't know if Secretary Li has worked at the grassroots level. I don't know private lending institutions, and I don't know the style of these private lending personnel."
"As I said before, because this industry does not yet have entry barriers, does not require a financial license, has no industry standards, and has no institutional supervision, private lending institutions have moved from offline to online, which has created a situation, that is, The influx of private lenders has shaped the way P2P companies work.”
“Offline debt collection, blowing up address books, splashing paint on doors, violent debt collection, etc., these methods are commonly used.”
“And even worse situations occur when On university campuses, P2P companies' lending targets have become students. The loan amount is small, and each student can rely on his or her studies. You can get a loan amount of several thousand yuan with your birth certificate and ID card. You can borrow 5,000 yuan, get 4,500 yuan, and pay back 6,000 yuan a month.”
“In this way, many P2P companies only need a few hundred yuan. Tens of millions of dollars of capital can be put into operation, and such a business can still be called Internet Finance + Innovation. , so a large number of urban demolition households and gray industry practitioners joined, with varying degrees of quality.”
“Through campus agents, posting small advertisements, sponsoring school activities, etc., small and medium-sized platforms have officially entered university campuses. Spread among college students.”
"These platforms claim to be 'unsecured loans', but in fact they take away all the students' private information, including names, ID numbers, phone numbers, home addresses, schools, classes, parents, relatives, etc."
< br>“Some platforms only deal with female college students. In addition to this information, they also add a ‘nude photo’, which completely binds college students.”
“Secretary Li knows that I am a Mathematician, so I developed a model based on the p2p public We have made a large prediction model based on the company’s development trend in recent years.”
“The subsequent P2P companies will grow rapidly. By 2018, it is estimated that there will be more than 10,000 companies, and the annual transaction volume will be even easier. Over a trillion."
“Such a huge industry, developing so rapidly, involving so much capital, but lacking necessary measures such as supervision and entry thresholds, in my opinion, the probability of problems is one percent ”
"Donations are running away and funds are thundering. This is bound to happen on a large scale."
"This is not something I calculated using a mathematical model. This is something that can be understood as long as you understand people's hearts!"
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“This report was written by me. I am willing to take responsibility for the authenticity of this report and I am also willing to take responsibility for this report!”
“Born and raised in China, I I extremely hope that the country can develop better, become richer and stronger, and lead all the people towards Well-off. Galaxy Technology is committed to changing lives, improving productivity, and liberating productivity with technology, so I don’t think I was wrong in writing this report.”
After hearing what Wang Donglai said, Secretary Li said. His expression suddenly became serious, and he said in an extremely serious voice: "Professor Wang, I understand your thoughts and your mood very well. Please rest assured that I will definitely report these situations to the leader, and please trust the leader. Believe in the organization.”
"The inquiry ends here. I need to go back and report the situation to the leader immediately. If anything happens in the future, I will come again. Professor Wang, during this period, you just need to stay in the capital as much as possible. You should do other things. Just do it.”
Secretary Li stood up and said this to Wang Donglai very sincerely.
“I wrote this report precisely because I believe it!”
Wang Donglai replied with a serious expression and a profound meaning.
After Secretary Li left, Wang Donglai breathed a sigh of relief and felt relieved.
Everything he can do has been done, and it is not up to him to decide what the higher-ups will do. (End of this chapter)