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互金从业者亲述:想要被裁拿N+1补偿,对金融缺乏敬畏造就如今危局

2020-07-14
412804
分享到

2020NIANXINGZHIGUOBAN,FUHUASANJINHOU,HUJINXINGYEYUANGONGDESHENGCUNZHUANGTAIYIRANZHIDEGUANZHU。


WEN/QICAIJING LIXIA

2020NIANMOHUANKAIJU,ZHIJINHAIHUIRANGRENGANTAN“JINNIANTAINAN”。

DUIHULIANWANGJINRONGXINGYE(YECHENG“HUJINXINGYE”)ERYAN,“SHOUYIQINGYINSUYINGXIANG,YEJIXIAHUA”CHUXIANZAIDABUFENSHANGSHIGONGSIDECAIBAOZHONG,KUISUNJIANJIANCHENGWEIYEJIECHANGTAI。

YUCITONGSHI,ZAIZAOYIGAOGAOGUAQIDEJIANGUANLIJIANZHIXIA,BUFENGONGSIYEWUTINGZHI,QIYEGUJIA、SHIZHIYEYILUZOUDI,YOUYIWANGDAIPINGTAIWEISHEN。

“QUANYUANGUODONG”SIHUYEYIJINGCHENGWEIHUJINXINGYEDEXINGUIZE。ZHEIGECENGJINGGAODIAO、ZHANGYANGDE“FENGKOU”XINGUI,RUJINZHILIUXIALEMANDIJIMAO。

ZAIZHEIGEGUOCHENGZHONG,HUJINQIYELIJINGGUANTING、CAIYUAN、RUYU,GONGSIYUANYOUYUANGONGFENGLIUYUNSAN,YOUCONGCONGTOURUDAOXINSHENGHUODEHONGLIUZHONG。

RUJIN,2020NIANXINGZHIGUOBAN,FUHUASANJINHOU,HUJINXINGYEYUANGONGDESHENGCUNZHUANGTAIYIRANZHIDEGUANZHU。

1

1

将别:未能拿到2019年终奖 N+1成2020最期待的事

“2020NIANGUOLEBANNIANLE,QUNIANDENIANZHONGJIANGHAIMEIYOUNADAOSHOU”,LINYU(HUAMING)GAOSUQICAIJING, “GANGKAISHIRANGWOMENDENG,ZUIHOUJIUZHIJIEBUFALE”。

LINYUSUOZAIDEGONGSI,SHIBEIJINGYIJIAYIWANGDAIYEWUQISHENDEQIYE,TALISHUYUYEWUTUOZHANBUMEN。2017NIANSHANGXUN,LINYUYECHENGWEIGONGSIDEYIYUAN。

BISHI,WANGDAIHAISHIQIANGSHOUDE“XIANGBOBO”,BUGUO,ZAILINYURUZHIQIAN,ZHEIJIAGONGSIBIANYIDUOCIYINFUMIANXIAOXIYINQIGONGZHONGGUANZHU。

JULINYUSUOSHU,TACHUJINGONGSISHI,GONGSICHENGNUOMEINIANHEJIFAFANG14XIN,JINIANZHONGJIANGWEI2GEYUEGONGZI。

KEDAOLE2019NIAN,BENGAIZAICHUNJIEQIANFAFANGDENIANZHONGJIANG,LINYUQUECHICHIMEIYOUSHOUDAO。GONGSIFANGMIANYEBINGWEIJICHUJUTILIYOU。“HANHANHUHUSHUODEYEBUQINGCHU,FANZHENGJIUSHIXIANGTUOZHE。”TAWUNAIDAO。

2020NIAN,FEIYANYIQINGZAICHUNJIEJIAQIKAISHIZHISHIBIANXIJUANERLAI,LINYUDENIANZHONGJIANGSUIZHIBIANDEYUFAYAOYAOWUQI。

JIEHOU,LINYUFANGANG,GONGSIGAOZHISHOUYIQINGYINGXIANG,NIANZHONGJIANGZANSHIWUFAFAFANG。ZHIZHI6YUECHU,GONGSIZAICITONGZHIYINZHENGTIYEJIWEIDABIAO,QUNIANNIANZHONGJIANGBUZAIFAFANG。

2

CONG“WUFA”DAO“BUZAI”,LINYUNIANZHONGJIANGGENZHEPAOTANG。

LINGYIMIAN,LINYURUZHIZHIQIAN,JIUYOUCHUANYANGONGSIJIANGYAOSHANGSHI,KEZHIJINWEIYOURENHEJINZHAN。

6YUEZHONGXUN,LINYUZAIYUQUANNEIPENGYOUJUHUISHI,YOURENDAQUDETIDAOLINYUSUOSHUDEQIYEYAOSHANGSHI。TAXIANDEYOUXIEYIWAI,LIANMANGZHUIWENCONGNALITINGDAODEXIAOXI,DEDAODEDAFUSHI“SUIKOUSHUODEYIJUXIYAN”。

“WOJIUZHIDAOZHEIGESHIQING,JIHUSHIMEIYOUSHENMEKENENGXINGLE。”LINYUSHIWANGDAO。

ERZAIYIQINGZHIXIA,LINYUGONGZUOWEIFASHENGTAIDADEBIANHUA,FANERYINBUFENXIANGMUWUFAKAIZHAN,BIANDEXIANGDUIQINGSONGLEYIXIE。

KEZHEIYANGDEZHUANGTAIRANGLINYUGANDAOLEBUSHI,MEIYOUFAZHANQIANJING,GENGBIETIXINZISHANGSHENGKONGJIAN,YERANGTAYOULETIAOCAONIANTOU。

“ZAIGUO3GEYUE,WOJIURUZHISANNIANBANLE。”LINYUDANGXIAZUIQIDAIDESHINENGBEIGONGSIZHUDONGCITUI,NADAON+1DEBUCHANGHOULIZHI。

LINYUBIAOSHI,ZI2019NIANXIABANNIANKAISHI,GONGSIBIANYIJINGKAISHILUXUCAIYUAN,JISHUYUAN、YEWUYUANDENGJUNYOUSHEJI。

BUJINRUCI,GONGSIYUANYOUDEYINIANYICIDEGONGZIPUDIAO,ZAI2019NIANYEBEIZANTINGLE,ZHANGXINLUJINGJINSHENGXIA“PINGJIKAOHE”。ERLINYUWEINENGTONGGUO2019NIANKAOHE,GONGZIYEMEIYOUZHANGSHANGQU。

ZAILINYUKANLAI,GONGSIZUIDAWENTIZAIYUTIXIYONGZHONG,RENYUANGUOYURONGZA。“YEJIGAOSUFAZHANDESHIHOU,TONGGUORENYUANKUOZHANGLAIZHENGMINGSHILI,ZAIHOUQICITUILEHENDUORENZHIHOU,CAIFAXIANDUIYUGONGSIYEWUYEBUHUIYOUTAIDAYINGXIANG。”

JINRI,LINYUYUYIJIAHULIANWANGQIYERENSHIBUMENXIANGGUANFUZERENQUDELELIANXI,BINGYUEDINGLEMIANSHISHIJIAN。LINYUBIAOSHI,YIQINGQIJIANYAOGENGWEIJINSHEN,RUGUOYOUQUEDINGHESHIDEJIHUI,MEIYOUN+1YEHUITIAOCAOLE。

2

逃离:眼看他高楼起 眼看他楼将塌

LINYUHAIZAICHOUCHUBUQIANSHI,yeda(HUAMING)YIZAIXINGONGSIZHANWENLEJIAOGEN,BINGXUNSUTOURUDAOXINDEGONGZUOZHUANGTAIZHONG。

ANZHAORUXINGSHIJIANLAISUAN,yedaZAIHULIANWANGJINRONGXINGYEJUEDUICHENGDESHANGSHIYIMING“LAOREN”。

BUSUANCIQIANDEGONGZUOJINGLI,ZAITIAOCAODAOXINGONGSIZHIQIAN,yedaZAIYUANGONGSIYIJINGDAILELIUNIAN。LIUNIANJIAN,yedaJIANZHENGZHEHUJINXINGYEDEXINGSHUAI,YEJIANZHENGLEYUANLAIGONGSIDEQILUO。

ZAIYENEIRENSHIKANLAI,yedaCIQIANSUOZAIDEGONGSISHIHAOWUYIWENDETOUBUPINGTAI。CHULEWANGDAIYEWUWAI,JITUANZAIQITAXIANGGUANLINGYUDEBUJUYEYIJINGSHIFENWANSHAN。

RUZHIDISANNIAN,GONGSIZONGBUGONGGUANBUXIANGyedaFACHUYAOYUE,DANBEIyedaWANJU。

BISHI,GONGSIYEWUHAIZAIFAZHANHONGLIQI,YUANGONGSHULIANGYEFENGKUANGKUOZHANG。“ZAOXIANZAIGONGSINEIBUXITONGSHANGDESHUZISHIJIANGJIN3WANREN,DANJUYEWUXIANXIAOXI,HAIYOUHENDUORENBUZAIXITONGZHONG。SHIJISHUJUHUIGAOCHUBUSHAO。”

ERJUQICAIJINGLEJIE,GAIGONGSIZI2018NIANMOBIANKAISHIBEICHUANDAGUIMOCAIYUAN,QUESHIZHONGWEIZHENGMIANHUIYINGGUO。

DUICI,yedaBIAOSHI,GONGSISHIJIQINGKUANGYUCHUANYANJIBENXIANGFU,ZI2019NIANCHUKAISHI,QISUOZAIBUMENJIHUMEIYOUPINPAI、SHICHANGFANGMIANDEYUSUAN,JISHAODEXIANGMUYEXUYAOJINXINGZHAOBIAO。

BUGUO,JIUSUANSHIGONGSICHUJINGHENJIANNAN,YINGANJIGONGSILINGDAODEZHIYUZHIEN,yedaCHENGCONGWEIXIANGGUOLIZHI。

SHIZHI2019NIAN7YUE,yedaSUOZAIBUMENXINGSHISHANGBEISHOUHUIGONGSIZONGBUSHICHANGBU,yedaZAIDUSHOUDAOZONGBUGONGGUANBUYAOYUE,BINGZAICIWANJU。SUIHOU,yedaDELIANGWEIFENGUANLINGDAOXIANGJILIZHI,GONGSIXINGSHIYEYUFAYANJUN。

3

2019NIANMO,GONGSIKAISHIXUANCHUAN、ZHAOCHAOMUGONGSIYEWUMOSHIHEFUWUXINGSHI,DANWEIQUDECHENGXIAO。ZAIyedaKANLAI,“ZHEIGEJUEDINGJIUSHIMEIYOUDIAOYANERPAINAODAIJUEDINGDEJINGYANZHUYI。”

YONGyedaDEHUASHUO,RUGUOJIANGMUGONGSIYUANYOUDEYEWUBIZUOSHANGCHANGLIDESHECHIPIN,QISUOZAIDEGONGSIYEWUZEGENGXIANGSHILUBIANDEXIAOSHANGDIAN。“SHUANGFANGFUWUQUNTIYUSHOUZHONGCUNZAIZHUDUOBUTONG,ZHAOCHAOJINGYANDEJIAOTIAOZHUYISHIXINGBUTONGDE。”

JIUZHEIYANG,MENGSHENGTUIYIDEyedaKAISHIXUNZHAOXINDEGONGZUOJIHUI,YUCITONGSHIGONGSIDEYEWUBIANHUAYERENGZAIJIXU。

2020NIAN4YUE,MUGONGSIGAOGUANLUXUJIESHOULEZIGONGSIYEWU,BINGDUIXIANGYINGBUMENJINXINGLEZHENGHE。yedaRENWEI,ZHAOBANJINGYANSHICUOWUDEKAIDUAN,YIGAIERLUNCHENGLECUOWUDEFAZHAN。

“YANGAOYUDING”SHIyedaDUIYUXINLINGDAODEPINGJIA,ZHEIXIEDONGZHEFUWUYUYONGYOUQIANWANZICHANYONGHUDEGAOGUAN,JIANJIANSHIQULEDUIJINRONGDEJINGWEI,TUOLILEBENXIN。

2020NIAN5YUE,XINGONGSIXIANGyedaPAOCHULE“GANLANZHI”,XINGONGSIZHUYAOYEWUJIAOYUANGONGSIYOUSUOZHONGHE,BUGUOQUEBUCUNZAIRENHEWANGDAILEIYEWU。ZHEIYICI,yedaRENGRANMEIYOUZAIDIYISHIJIANNEIZUOCHUXUANZE。

ZUIZHONG,ZAINEIBUPEIXUNHUISHANGDASIXUANJIANG“WEILAIHULIANWANGJINRONGFAZHANQUSHI”DEXINLINGDAOJIASULEyedaDELIQU。“TONGXINGDOUZAIRUOHUAHUJINSHUXING、QIANGDIAOJINRONGKEJIDESHIHOU,WOMENHAIZAIGUBUZIFENG,ZHEIRANGWOGANJUETAFEICHANGBUZHUANYE。”

4

“BUGUANXIABANNIANXINGYESHIFOUHUIYOUBIAOZHIXINGDECHUQINGSHIJIAN,DOUXIWANGGONGSIKEYIDUIYONGHUFUZEDAODI,NENGDUIXIANYOUYONGHUYOUGENGSHENRUDELIJIE,NENGGONGXIASHENLAI,WEIZHEIBUFENRENZUOHAOFUWU。”yedaCHENG,“BULUNWOZOUDAOLENALI,DOUGANJIQIANLINGDAODEPEIYANG,DOUJIANGMINGJIZHEILIUNIAN。”

3

劝退:互金是没有前景的伪概念

ZAIYULINYUDENGRENDEJIAOTANGUOCHENGZHONG,QICAIJINGZHUYIDAO,HULIANWANGJINRONGXINGYEYOUYIGERAOBUKAIDEWENTI——HEGUI。BUTONGYUDISANFANGZHIFUDENGXIFENSAIDAODE“CHIZHENGSHANGGANG”,WANGDAIPINGTAICONGYIKAISHIJIUXIANGSHISANBINGYOUYONG。

CONGJIANGUANKONGBAIDAOBEINARUYANMIDEJIANGUANTIXI,WANGDAI、DASHUJU、XIANJINDAIDENGZAIJINLIANGNIANJIANBIANCHENGLEGAOWEIXINGYE。

ZAIGONGSIYEWUWEIGUIXIANRUDEJINGYINGYICHANGZHIHOU,PUTONGYUANGONGWANGWANGCUOSHOUBUJI,YIFANGMIANTURANSHIYE,SHEBAODENGFANGMIANHOUXUYECUNZAIZHUDUOMAFAN,LINGYIFANGMIANYECUNZAI“RUYU”FENGXIAN。

yedaZAICAIFANGZHONGTIDAO,YUANGONGSIZHUYAODEZICHANDUANZHONG,YEYOUBUFENYEWUHENNANDUIWAIJIESHIQINGCHU。

“RUGUOWANGDAIBUBACHUSHOUSHENXIANGXUESHENGQUNTI,BUQUZUOBAOLICUISHOU,ANZHAOJIANGUANYAOQIUKAIZHANYEWU,KENENGWEIBIHUIYINGLAIJINTIANZHEIYANGDEJIEJU,SHIWANGDAICONGYERENYUANZIJIBAXINGYETUIXIANGLESHENYUAN。” YedaCHENG。

ZHENGRUyedaSUOSHUO,WANGDAISHENZHISHIHUJINXINGYE,JISHEHUIQUNTILIUXIADEYINXIANGBINGBUHAO。XINCONGYEZHEGENGSHIZHIJIEBEIDUIZHEIYIXINGYEDECHUYINXIANG“QUANTUI”。

YINIANQIAN,YETING(HUAMING)YINGFUMUYAOQIU,CIQUBEIJINGMOUHULIANWANGDACHANGDEGONGZUO,HUIDAOWUHANCHENGWEILEYIMINGSHIYEDANWEIYUANGONG。GONGZUOBANNIANHOU,WUFASHIYINGSHIYEDANWEIMANJIEZOUDEYETINGMENGSHENGLEHUANGONGZUODENIANTOU。

YIQINGDEDAOLAIDALUANLEYETINGHUANGONGZUODEJIHUA,ERWUHANCHUYUFENGBAOZHONGXIN,GENGSHIRANGRENCUOSHOUBUJI。6YUEXIAXUN,JIBINGDAILAIDEYINYINGJIANJIANXIAOSAN,YETINGYEJIANGZHAOGONGZUOTISHANGRICHENG,BINGKAISHIQUANHENGBUTONGQIYELEIXINGDEFAZHANQIANJING。

ZAIXUNZHAOGONGZUOJIHUIDELUSHANG,YETINGSHOUXIANJUDIAODESHIYIJIADINGWEIYUHULIANWANGJINRONGFUWUSHANGDEQIYE。

“YUANLAIDUIZHEIXINGYEYEBULEJIE,ZHISHIZAIMIANSHIDESHIHOUGANJUEBUGOUZHUANYE,YIZHIZAITUIXIAOSHIDIJIESHAOZIJIGONGSIDECHANPIN,BINGMEIYOUWENDAOTAIDUOZHUANYEWENTI。”YETINGCHENG。

YETINGZHIYAN,QIDUIYU“HULIANWANGJINRONG”DEYINXIANGHAITINGLIUZAI“XIAOYUANDAI”、“GAOLIDAI”、“BAOLEI”DENGBIAOQIANZHONG,“DUICHUYUQITAXINGYEDENIANQINGRENLAISHUO,HULIANWANGJINRONGXIANGSHIYIGEWEIGAINIAN。FENGKOUGUOHOU,HETANQIANJING?”

4

坚守:只要机会还在 仍会考虑互金行业

LINYUDENGRENZAIXUANZEXINDEGONGZUOJIHUISHI,WEIZAIKAOLVHUJINQIYE。“2018NIAN、2019NIANJINGLIGUOZIJIAGONGSIBAOLEIDETONGXING,ZAOJIUYIJINGYUANLIZHEIGEXINGYELE。DENGDAOGONGSICHULEWENTIZAIZOU,YEDANXINDUIGERENFAZHANYOUYINGXIANG。”

BUGUO,DUIYUSHENCHUHANGZHOUDELIUHAO(HUAMING)LAISHUO,MUQIANDEGONGZUOZHENGTIHAISUANLINGRENMANYI。JINGUANTONGYANGSHUYUHULIANWANGJINRONGFANCHOU,DANLIUHAODUIYUGONGSIDEXINXINMINGXIANGAOYULINYUDENGREN。

LIUHAODEDIQIGENGDUODELAIYUGONGSIMUQIANDEJINGYINGQINGKUANG。CHUNJIEJIAQIQIAN,GONGSIANZHAOCHENGNUODEJIANGLIFANGSHIQUANEFAFANGLENIANZHONGFULI。“NENGDADAOZHEIGEFULISHUIPINGDEQIYE,QUNIANXINGYEZHENGTIFAZHANSHOUXIANDEQINGKUANGXIAYIHENSHAOLE。”

SHOUDAOYIQINGYINGXIANG,GONGSIYEWUFAZHANGUIMOYOUSUOSHOUXIAN,DANZONGTILAISHUOHAISUANPINGWEN,YEMEIYOUCHUXIANCAIYUANQINGKUANG。

5

ERLIUHAODEGONGZUOLIANGYEYINYIQINGJIANQINGLEHENDUO,“BUMENGONGZUOYUSUANBIWANGNIANSHAOLE,XINYEWUMEIYOUBANFATUOZHAN,YEBUNENGCHUCHALE。ZHINENGANBUJIUBANDEZUOHAOXIANYOUGONGZUO。”

ZAIQITARENGENGWEIGUANZHUDE“HEGUI”FANGMIAN,LIUHAORENWEI,DUIYUXINGYELAISHUO,GENGDADEFENGXIANZAIYUJIANGUANZHENGCEDEBUQUEDINGXING,ZHENGCEHOUZHISHIDEBUFENQIYEZAIYEWUKAIZHANFANGMIANQUEFAZHIDAO。

DUIYUDANGQIANDELIUHAOLAISHUO,GERENGONGZUOGUIHUAZHONGMEIYOU“TIAOCAO”ZHEIYIXIANG,DANOUERHUIYINWEIXIANYOUGONGZUOQUEFATIAOZHANLIERJUEDEKUZAO。

LIUHAOBIAOSHI,CHUFEIYOUGENGHAODEGONGZUOJIHUI,CAIHUIKAOLVHUANGONGZUO,“ZHIYAOYOUSHANGSHENGKONGJIAN,HAISHIHUIXUANZEHULIANWANGJINRONGQIYE,BIJINGZHEIJINIANDERENMAI、JINGYANDOUJIZHONGZAIZHEIGEXINGYELE”。

5

后记

JIEZHIFAGAOZHISHI,LINYUYUXINGONGSIDACHENGLEHEZUOYIXIANG,YIJINGXIANGXIANGONGSIDIJIAOLELIZHISHENQING。YETINGZAIJUJUELEZHEIYIFENLAIZIHUJINGONGSIDELUYONGTONGZHIHOU,ZHIJINSHANGWEIYOUXINDONGXIANG。

ERWANGDAIXINGYEJINQIYOUXIAN“BAOLEI”,HANGZHOUPINGTAI、“CHEDAIYIGE”WEIDAIWANGBEILIANZHENCHA,BEIJINGWANGDAIPINGTAIZHENRONGBAOYEXIANRUYUQI。

CIWAI,SHENZHENJIANGUANFAWENCHENG,DUIYUXIAQUNEIGONGGAOQINGTUIDANWUFAJIXUDEWANGDAIPINGTAI,GONGANJIGUANJIANGZEJILIAN。

YOUGUANDIANRENWEI,HULIANWANGJINRONGSHIJINXIENIANJINRONGCHUANGXINZUIJUDIANXINGHEZHENGYIDEANLIZHIYI。BUGUO,YOUYIDIANBUKEFOURENDESHI,XIANSHANGHUAJIKEJIDERONGRUQUESHIGAIBIANLEJINRONGSHENGTAIYUFUWUDEMOSHI。

GAOXIAODEJINRONGFUWUQUESHITIGAOXIAOFEIZHEDETIYAN,NENGDAILAIGENGYOULIDELIANGXINGXUNHUAN。KEWULUNXINGYEFAZHANRUHE,JIURUQIANSHUSUOYAN,CONGYEZHEHAISHIYAOYONGYUANBAOCHIDUIJINRONGDEJINGWEIZHIXIN。JIAOTASHIDI,FANGNENGXINGWENZHIYUAN。(WEN / QICAIJING LIXIA)

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