“校园贷”平台漏洞成“黑洞” 上千学生身陷骗局

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2016年以来,诸多面向在校大学生提供小额贷款、分期购物等金融服务的“校园贷”平台大量涌现。这些平台满足了在校大学生信用消费的需求,因而快速占领了大专院校市场。然而,在“校园贷”迅猛发展的背后,一些问题也随之暴露出来。日前,内蒙古自治区赤峰市公安局红山区分局、吉林省长春市公安局朝阳区分局相继破获一批案件,诈骗分子利用“校园贷”各平台的漏洞在全国12个省份近30所大专院校疯狂作案,导致上千名学生身陷骗局,暴露出了当前“校园贷”乱象的冰山一角。
千余学生身陷骗局
涉案金额逾千万元
小于是内蒙古某职业技术学院的一名学生。2015年10月,小于的两名同学请他办理“手机分期购业务”。小于被告知,业务办好后,手机归一家叫“爱远”的公司,还款也由该公司负责,但不会让他“白帮忙”。
在小于提供了学生证、身份证等资料后,爱远公司以小于的名义,先后在“爱学贷”(现已更名为“爱又米”)等四家平台各购买了一部苹果手机,总价2.6万余元。在接受平台电话询问时,小于按同学的“嘱托”称,手机是他本人购买、本人使用。不久,小于陆续收到四部手机,他将手机转交给同学后,获得400元“好处费”。
本以为提供了学生身份信息赚到400元钱就完事了,但2016年2月,小于陆续接到“爱学贷”等四个平台的催款电话,称其所购手机的还款已逾期。这时小于才发现自己上当受骗了。但由于手机均是以小于名义购买的,他不得不自己还款,目前他所还金额已超过6000元。
据赤峰市公安局红山区分局经侦大队办案民警介绍,爱远公司就是该案主要犯罪嫌疑人张一丹成立的。由于张一丹发展了众多“下线”,且其模式较易复制,这种骗局在短时间内就席卷了内蒙古多个盟市,近900名学生身陷骗局。后来,随着张一丹的业务员去往辽宁省,进而导致当地多所院校的近300名学生卷入骗局,涉案总金额逾1000万元。
吉林省长春市公安局朝阳区分局日前也侦破了一批类似案件,犯罪嫌疑人在吉林省、广东省、上海市等10个省份活动,以相同的作案手法在20多所大专院校专门诈骗在校学生,累计作案150余起,目前已查明的被骗学生近200人。
采访中,小于等十余位学生表示,现在“校园贷”平台频繁以电话、短信、律师函等形式向他们催款,有的骂脏话、有的恐吓说他们涉嫌犯罪,部分学生情绪不稳定,精神经常处于紧张、焦虑状态。
办案民警说,大多数学生都是为了贪图那几百元钱的“好处费”,而向诈骗分子提供了学生身份信息,最后背上了少则五六千元、多则一两万元的分期还款“包袱”。
在学生中物色“代理人”
在授信经理中发展“业务员”
赤峰市公安局红山区分局经侦大队办案民警透露,出生于1988年的张一丹能够在几个月的时间里,以同样的手法反复操作,从1200多名学生手中骗得2000多部手机转卖牟利,离不开她在学生中物色的“代理人”,以及在“校园贷”平台授信经理中发展的“业务员”。
据办案民警介绍,按照张一丹的诈骗模式,为了维持资金链不断裂,她必须在最短时间内做最多的“业务”,因此她在多地高校物色了大量“代理人”。
记者梳理发现,张一丹至少发展了15名“骨干代理人”。初步统计,这些“代理人”在学校中累计经手办理手机逾1000部,其中“业绩”最好的是内蒙古某职业技术学院的学生刘某,他经手办理的手机多达212部。
在吉林省长春市公安局朝阳区分局破获的一系列类似案件中,共有超过120名学生充当了诈骗分子的各级“代理人”。这些“代理人”每骗一名学生便能得到500元至1000元不等的“奖励”,两名业绩特别突出的“代理人”还各自被奖励了一辆汽车。

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办案民警表示,这些学生“代理人”以校友、老乡等熟人身份为掩护,再以支付现金作为诱饵,使很多学生放松了警惕。

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然而,仅有“代理人”在学校物色学生作为“唐僧肉”,还不足以顺利而快速地完成诈骗过程。由于手机是由提供分期购物的“校园贷”平台出货,诈骗分子便大力拉拢各平台授信经理成为其公司的“业务员”。
黄某是内蒙古东部某职业学院的学生,他既是“趣分期”和“爱学贷”的授信经理,又是爱远公司的员工。他说,张一丹找他们做公司业务员,“就是为了能够快速办理一个学生在多平台购机的手机业务”。
黄某说,张一丹经常给各平台授信经理开会,让他们多找学生,以学生名义从多个平台购买手机,并且还给他们订有销售指标和销售奖励。
张一丹对此也毫不避讳。她说,她在学校发展了包某某、张某某等多名各大平台的授信经理。“他们能在‘爱学贷’等6个平台进行授信业务,互相一串就能帮对方办理学生授信。”
“校园贷”存两大安全漏洞

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成校园诈骗“入口”
吉林省长春市公安局朝阳区分局办案民警表示,在他们破获的一系列案件中,几乎没有被骗学生主动找警方报案,导致犯罪嫌疑人得不到及时打击处理。
他们调查发现,此类案件之所以快速蔓延就是因为其具有“熟人骗熟人”的特点,一些学生心存幻想,认为大家都认识,事情早晚会解决,因此大多选择“不经官”。此外,被骗学生提供自己的信息后得到了“好处费”,一些学生知道自己有过错,也就不敢出来报案,导致犯罪嫌疑人一度长期逍遥法外。
记者采访还发现,“校园贷”平台之所以能够被犯罪嫌疑人所利用,与当前一些平台存在安全漏洞有关。
赤峰市公安局红山区分局经侦大队办案民警认为,目前部分“校园贷”平台主要存在以下两大问题:

第一,审核把关不严,仅凭学籍信息和电话回访即可向申请人发放手机,缺少实质有效的信用评估环节;
第二,数据缺乏共享,使用一个学生身份就能吃遍“天下”。在内蒙古地区的案件中,受骗学生以自己身份在两个以上平台办理分期购买手机的情况比比皆是,甚至出现了一名学生在6个平台办理6部手机的情况。
有专家认为,2009年,银监会分年龄段叫停银行向学生发放信用卡业务之后,为大学生分期购物业务提供了生长的土壤,但快速发展背后是隐藏的诸多安全隐患,应逐步依法完善校园网络分期购物的行业规范。
网络安全宣传动画——个人信息安全保护
首先,明确“校园贷”平台运营规范,对各平台运营资质及其所提供的“类虚拟信用卡”服务是否合规等进行审核,防止大学生分期购物市场出现缺乏门槛等问题。
其次,监管各“校园贷”平台代理队伍,对其所办业务的交易背景真实性严加核查,防止出现套取信贷资金而产生的系统性风险。
第三,打击各“校园贷”平台欺诈违法犯罪,形成公安、工商、金融监管部门联合执法的局面,维护学生合法利益不受侵犯。
来源:经济参考报
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China’s new wave of wealth struck: who is the final winner?

中国改革开放以来,已经经历了两次财富大洗牌,正在经历第三次财富大洗牌:
Since the reform and opening up, China has experienced two major reshuffle of wealth, is undergoing a major reshuffle of the wealth of the third:
第一次是胆大的对胆小的进行洗牌,所以,中国第一批富起来的并不是有多大学识的,而是胆大的。在此过程中,配合改革开放以后的货币发行和通货膨胀,依靠工资积累的人士,突然感觉到财富相对贬值得越来越厉害。这也是东南沿海一带财富崛起,而中西部地区,特别是东北地区财富地位急剧衰的原因。
For the first time was a bold attempt to shuffle the timid, so China’s first batch of rich is not how much knowledge, but bold. In this process, with the reform and opening up after the issue of currency and inflation, relying on wage accumulation of people, suddenly feel the wealth of relatively derogatory worth more and more powerful. This is also the rise of wealth in the southeast coastal areas, and the central and western regions, especially in Northeast China, the sharp decline in the status of wealth.
第二次大洗牌是有知识、有见解的人士对知识和见解缺乏的人士大洗牌,这种洗牌发生在15年前,突出表现在一大批优秀民营企业的崛起,包括华为、腾讯、TCL等,而那些所谓的“投机倒把”分子的没落。
The second big reshuffle is people with knowledge and opinions of people lack of knowledge and insights of big reshuffle, the reshuffle occurred in 15 years ago, especially in the rise of a large number of outstanding private enterprises, including HUAWEI, Tencent, TCL, and the so-called speculation into decline.
目前正在上演的第三次财富大洗牌将是新思维方式者对旧思维方式者的洗牌,在过去三年和未来10年都将不断上演这一曲大戏。
Is currently being staged third big reshuffle will be a new way of thinking of the old way of thinking of the reshuffle in the past three years and the next 10 years will continue to play this drama.
为什么过去3年和未来10年,都将不断上演第三次财富大洗牌呢?为什么是30年来最大的一次财富大洗牌?
Why in the past 3 years and the next 10 years, will continue to carry out the big reshuffle of the wealth of the third? Why is the biggest wealth reshuffle in 30 years?
这就要从过去30年这些富人为什么赚钱,现在赚钱的基础是否存在?如果不再存在,财富的洗牌就是一个非常容易理解的事件。
This will be the past 30 years, why the rich make money, and now the basis for the existence of money? If no longer exists, the shuffle of wealth is a very easy to understand event.
第三次财富大洗牌的表现形式和内涵是什么?
What is the form and connotation of the third big reshuffle?
1、股权投资和房地产投资成为第三次财富洗牌的赢家,并成为未来10年仅有的能够对抗通货膨胀和人民币贬值的投资工具,“人无股权不富”、“未来8年,中国最大的投资机会来自于股权”。
1, equity investment and real estate investment has become the wealth of the third reshuffle winners, and become the next 10 years only to fight inflation and depreciation of RMB investment tool, no ownership nor rich, the next 8 years, China largest investment opportunities from the equity.
资本市场上演的财富梦想,新股财富神话与熊市无关,正在证明这一结论的正确性。
Capital market staged a wealth of dreams, the myth of the wealth of new shares and bear market has nothing to do, is to prove the correctness of this conclusion.

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房地产价格超越工资收入的大幅度上涨就是一种典型的财富大洗牌,它并没有新的财富被创造,同样也是资金的横向流动而已。在这种模式的财富转移中,一线大城市和部分二线城市的有房居民自动成为财富转移的受益者,而全国其他地方居民的财富却在浑然不觉中悄然缩水。地区间、城乡间的差距被进一步拉大,中西部地区和中小城市的增长发动机不断灭火,少数城市的繁荣掩盖了大部分城市的萧条。
Real estate prices beyond the wage income is a substantial increase in the typical big reshuffle, it does not create new wealth, but also the lateral flow of funds. In this mode of wealth transfer, the first tier cities and some second tier cities housing residents have become beneficiaries of the transfer of wealth, while the rest of the country’s wealth has been quietly unaware of the residents. The gap between regions and between urban and rural areas has been further widened, and the growth engines of the central and western regions and small and medium-sized cities have continued to extinguish fire.
房地产投资之所以能够成为第三次财富洗牌的赢家,存在几个核心原因:
Real estate investment has become the winner of the third wealth reshuffle, there are several core reasons:
第一中国仍然存在资产荒,发行的大量货币(中国的GDP远小于美国,但是货币发行量远大于美国),并没有去处。大众创业,股权投资,并不是很多人熟悉和擅长的领域。第二中国房价成为全球第一是必然趋势。中国房价已经涨幅巨大,但是,由于中国人口众多,10年左右的时间又有可能成为全球GDP最大的国家,同时,也会是全球财富最大的国家。中国人喜欢大城市,喜欢教育、医疗好的城市,这样的话,就会出现过多的钱去追逐一线城市以及部分二线城市。房价上涨不可避免。一旦中国GDP成为全球第一,加上中国人口众多,就会产生巨大的“虹吸效应”,周边国家和地区就会不断边沿化。不排除再过20年时间,日本都可能成为边沿地带。再现大唐盛世,房价全球第一,是完全可能的。
China is still a shortage of assets, the issue of a large amount of money (China’s GDP is much smaller than the United States, but the issue of money is far greater than the United States), and no place to go. Public entrepreneurship, equity investment, not many people are familiar with and excel in the field. Second China has become the world’s first inevitable trend. China’s housing prices have risen dramatically, but due to the large population of China, about 10 years time is likely to become the world’s largest GDP country, but also the world’s largest wealth of the country. Chinese people like big cities, like education, health care of the city, so that there will be too much money to chase the first tier cities and some second tier cities. Inevitable price increases. Once China has become the world’s first GDP, coupled with China’s large population, it will have a huge siphon effect, the surrounding countries and regions will continue to edge. Do not rule out another 20 years, Japan may become the edge zone. Reproduction of the heyday of the Tang Dynasty, the price of the world’s first, is entirely possible.
但是,我们必须保持清醒头脑的是,三、四线城市特别是人口净流出的城市,房价虽然相对较低,反而存在巨大的泡沫,因为泡沫本身是相对于需求和购买能力而言的。
However, we must keep a clear mind is the three or four line of the city, especially the population outflow in the city, although the price is relatively low, but there is a huge bubble, because the bubble itself is relative to the needs and the ability to buy.
2、财富在亲力亲为和使用杠杆中消失
2, wealth in the pro and the use of leverage disappear
之前发生的股灾,很多所有走向失败的高净值个人投资者主要缘于亲力亲为和使用杠杆,过去30年实业投资以及房地产投资的成功经验,让很多财富拥有者认为自己无所不能,包打天下。
Before the crash, the high net worth individual investors mainly due to the failure of all the many hands-on and the use of leverage over the past 30 years, the successful experience of industrial investment and real estate investment, so many property owners think themselves equal to anything, to conquer the world.
反思最近两年发生的事件:高利贷的破产和股灾的发生,导致千家万户一夜回到解放前。
The last two years of reflection events: the occurrence of bankruptcy and usury crash, resulting in thousands of households back to the night before liberation.
主要原因:
Main cause:
亲力亲为:房地产投资的成功不需要多大的专业,主要缘于整个房地产过去10年,平均房价上涨超过10倍,而且只涨不跌,就好比股市连续10年一样。散户都会成为股神。但是股市看似简单,其实无比复杂,专业选手未必赚钱,更何况业务人员。
Pro Pro: the success of real estate investment does not need much professional, mainly due to the entire real estate over the past 10 years, the average price rose more than 10 times, and only rose or not, just like the stock market for the same period of the past 10 years. Retail investors will become warren. But the stock market seems simple, in fact, very complex, professional players may not make money, not to mention business staff.
使用杠杆:在一个单边上涨的行情中,是可以使用杠杆的,但是,中国股市与赌博并无二异,使用杠杆,等于赌博。从未见过赌徒借钱去赌博的,而且,一旦使用杠杆,即使赌对100次,只要有一次失误,可能会导致前功尽弃,一夜回到解放前。为什么炒股不能使用杠杆,而房地产投资就可以呢呢?房地产使用杠杆,即使房价下跌,也不需要增加抵押品,但是,股市一旦下跌,是一定需要增加保证金的。
Leverage: in a unilateral rise in the market, it is possible to use leverage, but the Chinese stock market and gambling is not the same as two, the use of leverage, equal to gambling. But never seen gamblers borrowed money to gamble, and once the use of leverage, even bet on 100 times, as long as there is a mistake, may lead to naught, back to the night before liberation. Why stocks can not use leverage, and real estate investment can be it? The use of leverage in real estate, even if house prices fall, do not need to increase collateral, but once the stock market decline, it is necessary to increase the margin.
3、仍然停留在过去的成功,而没有看到失败的来临。突出表现在:许多企业盲目上项目,铺摊子,陷入资金链的困境。
3, still remain in the past success, but did not see the advent of failure. Outstanding performance in: many companies blindly on the project, shop stalls, into the plight of the capital chain.
盲目直接介入陌生行业:典型案例就是湘鄂情。
Blind direct involvement in unfamiliar industries: a typical case is xiangeqing.
盲目扩大产能,在产能上做死主业:山西鑫海、江西赛维、无锡尚德等,都是典型的案例。
Blind expansion of production capacity, to do business in the dead capacity: Shanxi, Jiangxi, Wuxi Xinhai LDK Suntech, is a typical case.
盲目铺摊子、上项目:四川长虹后任董事长赵勇的等离子项目。
Blindly setting up shops, chairman of Sichuan Changhong project project: plasma successor Zhao Yong.
急于赚快钱而陷入高利贷或者房地产:今天大量三、四线城市的小房地产商陷入资金链的困境,浙江温州等地区高利贷破灭。
Eager to make quick money and get into usury or real estate: today, a large number of three or four lines of small real estate companies into the plight of the capital chain, Zhejiang, Wenzhou and other areas of usury broke.
4、难以适应互联网文明和空间文明时代的来临,仍然停留在传统产业的思路,梦想传统产业继续复苏
4, it is difficult to adapt to the advent of the era of Internet civilization and space civilization, still stuck in the traditional industries, the dream of traditional industries continue to recover
以移动互联网为核心,人类进入空间文明时代。智能化、非现场、不接触、无纸化,这是互联网文明和空间文明的典型标志,而这些标志性产物对应的标志性产业都是对传统产业的替代,并形成致命打击:
Mobile Internet as the core, the human civilization into the era of space. Intelligent, non site, no contact, no paper, this is a typical sign of civilization and civilized Internet space, and these iconic iconic products corresponding industry are alternative to the traditional industry, and the formation of a fatal blow:
非现场买卖将逐渐超越现场买卖,以阿里巴巴集团为代表的非现场买卖将彻底击败百货商超。原有商业业态将发生根本性变化。阿里巴巴一家公司,年交易金额超过1万亿元,是前十大百货商超的总和。
Off site trading will gradually go beyond the scene of the sale, to Alibaba group as the representative of the off-site sale will completely beat the department store Shang Chao. The original business format will be a fundamental change. Alibaba, a company, the annual turnover of more than 1 trillion yuan, is the sum of the top ten Department stores.
以微信和微博为代表的新媒体,逐渐取代报刊杂志、电视广播,成为主流信息传播渠道。
WeChat and micro-blog as the representative of the new media, gradually replace newspapers, magazines, television broadcasting, the mainstream of information dissemination channels.
以智能手机为代表的新一代智慧消费终端,为无纸化时代和非现场行为的空间文明准备扎实的物质基础。
Smart phones as the representative of a new generation of smart consumer terminals for the paperless era and the behavior of the field of space to prepare a solid material foundation.
虚拟消费逐渐超越实物消费,精神消费逐渐超越物质消费,以腾讯为代表,虚拟消费时代的到来,意味着人类不仅消费食品和饮料,住房和衣服,更需要精神层次的虚拟消费。
Virtual consumption gradually beyond the physical consumption, spiritual consumption gradually beyond the material consumption, represented by Tencent, virtual consumption era, not only means that the human consumption of food and drink, housing and clothing, need more virtual consumption spiritual level.
3D打印技术改变人类的制造业状态。打印出机器零件、食品服装,这将是制造业领域的最大革命。
3D printing technology to change the state of human manufacturing. Printing machine parts, food and clothing, which will be the biggest revolution in the manufacturing sector.
以电动汽车、页岩气为代表的新能源技术成为影响和改变人类能源格局的核心推动力。这一事件,使得煤炭等传统能源走向衰落成为必然。
The new energy technology represented by electric vehicles and shale gas is the core driving force to influence and change the pattern of human energy. This event, making coal and other traditional energy into the inevitable decline.
5、第三次财富大洗牌的趋势和赢家
5, the trend and the winner of the third wealth reshuffle
财富大洗牌的趋势和方向之一:知识和企业家精神成为财富创造的主流方式
One of the trends and directions of the wealth reshuffle: knowledge and entrepreneurship become the mainstream of wealth creation
根据《国富论》和所有经典经济学理论,财富的产生来源于劳动和资源。财富结构与人口结构的对应角度,全世界较为发达的经济体中,只有香港和大陆与学历基本无关。与学历无关这种情况几乎是不可能持续的。当容易赚钱的时代过去时,中国将回到真正依靠技术进步和诚实经营赚取财富的时代。

迎接济南市卫计委医疗质量安全检查

According to the wealth of nations and all the classic theories of economics, wealth generated from labor and resources. Wealth structure and population structure of the corresponding perspective, the world’s more developed economies, only Hongkong and Mainland China has nothing to do with academic. It’s almost impossible to continue without a degree. In the era of easy money, China will return to the era of relying on technological progress and honest business to make money.
财富大洗牌的趋势和方向之二:简单的“钱生钱”的时代终将过去,长期的低利率时代将彻底毁灭那些高利息成本者
The trend and direction of the big reshuffle of wealth: two simple money begets money era will eventually pass, the long-term low interest rate era will completely destroy those high interest costs
技术是双刃剑,技术人员小心别触犯了法律,得罪了政府,搞不好害自己坐了牢。
简单的“钱生钱”的时代过去:过去10年中国创造财富的主流方式不是依靠诚实劳动、不是依靠智慧和辛苦经营,而是依靠资产的泡沫,依靠钱生钱,这种泡沫贯穿整个社会:大宗矿产品泡沫、收藏品泡沫、奢侈品泡沫等等,很多人几乎一夜暴富:2015年,全社会的财富水平几乎是2000年的40倍,但是,实际GDP只是增长了300%而已,泡沫的严重程度可想而知。
A simple money era of the past: mainstream China create wealth over the past 10 years not by honest labor and not rely on the wisdom and hard work in business, but on the asset bubble, rely on the money, the bubble through the whole society: commodity bubble, bubble, bubble and so on luxury Collectibles, a lot of people almost overnight: 2015, the whole social wealth level is almost 40 times in 2000, but the real GDP grew by only 300%, the severity of the bubble as can be imagined.
财富大洗牌的趋势和方向之三:劳动密集型、加工制造业将被品牌拥有者和核心技术拥有者替代
The trend and direction of wealth reshuffle: labor intensive, processing and manufacturing will be replaced by brand owners and core technology owners three

如何使企业安全意识培训更有成效?

中国的比较优势发生根本性变化,低端劳动力成本日益上升,但是中高端劳动力成本仍然相对低廉,这种情况下,劳动密集型产业逐渐出局或者转移,而转向品牌+技术的拥有者,因此他们将是财富大洗牌的最终赢家。典型案例是华为。
The comparative advantage Chinese change fundamentally, low labor costs rising, but high-end labor costs are still relatively low, in this case, the labor intensive industry gradually out or transfer to the brand owner of technology, so they will be the ultimate winner of the wealth big reshuffle. Typical case is HUAWEI.
财富大洗牌的趋势和方向之四:宁为鸡头,不为凤尾的局面将结束
The trend and direction of wealth reshuffle four: Ning a situation not everything will end
根据赢家通吃的原则,行业的剩者往往不超过5家。这意味着中国将有千千万万的企业或者倒闭或者被购并。
According to the winner take all principle, the industry’s surplus is often not more than 5. This means that China will have tens of thousands of enterprises or bankruptcy or mergers and acquisitions.
中国人喜欢自己当老板,并没有衡量自己的能力、水平、资源,在过去30年的野蛮生长阶段,草莽英雄时代,这是可行的,今天,能够成为胜者的必将是那些拥有企业家精神和素质的人员。
Chinese love their own boss, and no measure of their ability, level, resources, growth stage, in the past 30 years of brutal era of outlaws of the marshes it is feasible that, today, a winner will be those who have the entrepreneurial spirit and the quality of the staff.
今天的欧洲、日本和美国已经10年不见创业潮了。中国也不需要那么多的老板。
Today, Europe, Japan and the United States has not seen the entrepreneurial boom in 10 years. China doesn’t need so many bosses.
大众创业,万众创新,最终的结局一定是“一将功成万骨枯”。
Public entrepreneurship, innovation, the final outcome must be achieves guku million.
思考过去30年富人取得成功的关键条件和因素(为什么是他们富起来),这是理解今天发生第三次财富大洗牌的前提
Think about the past 30 years, the key to the success of the rich conditions and factors (why they get rich), which is to understand the occurrence of today’s third major reshuffle of the premise of wealth
过去30年富人之所以成为富人,其实是与当时的环境高度相关,是典型的“时势造英雄”。现在必须进行深入分析,这些环境的要素是否继续存在,如果不在存在,财富是否必须洗牌。
Over the past 30 years the rich have become rich, in fact, is highly correlated with the environment at that time, is a typical case of heroes. It is necessary to conduct an in-depth analysis of the elements of the environment to continue to exist, if not in existence, the wealth must be shuffled.

1、30年改革开放创造了极为有利于中国富人投资成功的外在环境,到处都充斥着创富的机会
1, 30 years of reform and opening up has created extremely conducive to the external environment Chinese rich investment success, everywhere is full of opportunities to create wealth
全球化红利:改革开放使得中国融入全球,配合全球经济的一体化,尤其是劳动力、技术和资金的一体化,使得中国成为最大的受益者;要素红利:三十年改革开放,包括劳动力、土地和资本等要素,不断增长,春风从东南沿海吹向内地,形成梯次转移。制度红利:制度是联系要素之间的桥梁和纽带,是大幅度提升要素效率关键所在。30年改革开放,就是一个不断释放制度红利的过程。消费升级红利:三次消费升级和出口高速增长成就一批富有者。
The dividends of Globalization: the reform and opening of China into the global, with the integration of the global economy, especially the integration of labor, technology and capital, has become the biggest beneficiary China; factor bonus: thirty years of reform and opening up, including labor, land and capital, growing, spring from the Southeast coast to the mainland to blow, echelon transfer. Institutional Dividend: the system is the bridge and link between the elements, is a key factor to improve the efficiency of. 30 years of reform and opening up, is a process of constantly releasing the bonus system. Consumer upgrade bonus: three consumer upgrades and export growth of a number of rich achievements.

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