Recently, everyone must have paid attention to a piece of news, that is, Lai Xiaomin, the former chairman of the former Huarong Asset Management Co., Ltd., opened the first instance of bribery, corruption, and bigamy: illegally received more than 1.788 billion yuan.
I believe everyone's first feeling after seeing this report is shock, shock and the huge number of corruption. But after I read the report in detail, I got a new understanding of Lai Xiaomin and his person. The picture of
comes from the Internet
. He once admitted that in addition to accepting a huge amount of cash and securities, he also accepted a large number of real estate, famous cars, famous watches, gold, calligraphy and painting, etc. There are dozens of pieces of watches alone, who can Use it? But he just wanted it. The same goes for cars. Bentleys, Mercedes-Benz cars, Alpha cars, and a few cars in an underground garage are all his. They are all million luxury cars. The task force discovered a house where Lai Xiaomin had concealed stolen money in a residential area in Beijing. There were multiple safes in it, with more than 200 million in cash. In order to evade the investigation, Lai Xiaomin asked the briber to pay in cash. After receiving the money, he drove to this house by himself, put it in the safe, and made a few more laps on the road to prevent anyone from following. Between him and some close insiders, he used code words when talking about this house, calling it a "supermarket".
picture from the Internet
Speaking of this, many people have been filled with outrage and feel that they are greedy.
However, according to his own account, he had never used the cash he received, and he was also frightened. After hearing this sentence, I believe many readers have already laughed: "Since you don't use it yourself, why do you still have to suffer? You also said that you are scared because of this. Isn't it self-deception?".
However, I personally suddenly thought of another thing, or a quirk. The scientific name of this quirk is: Tunwu addiction. The picture of
comes from the network
The picture comes from the network
The original meaning refers to the behavior of some people collecting and sorting out more because they like certain items. However, this kind of disease can also be divided into serious and serious. The mild ones will not be particularly excessive. They are generally hobbed by the task, but the serious ones are different. They may seriously affect people's daily life and are often "patients". The house is full of all kinds of things, and I don’t want to throw it away at all. People who have been to their residences often leave serious psychological shadows.
combined with Lai Xiaomin’s collection of luxury goods, famous cars, and even "small thirds", it clearly has the characteristics of fetishism, knowing that I can’t use that much, and would not use it, but I just want to get the final result. Just put it there.
After analyzing his psychology, let’s talk about professional matters, why Lai Xiaomin has the ability and conditions to accept such huge bribes. He is not the highest in terms of official position, but in terms of power, he is the most flexible to a certain extent. Why is it the most flexible? It starts with the AMC license held by Huarong Asset Management.
In my previous article, I also mentioned the functions and license characteristics of various types of financial institutions many times. However, there is a category of institutions that people usually pay little attention to, but they occupy a pivotal role in the entire financial ecosystem. Everyone knows that the biggest role of financial institutions is to play a role in resource allocation in the entire economic ecology.
However, any ecosystem has to be eliminated, so the eliminated assets are called non-performing assets in financial institutions. The so-called non-performing assets often include a large number of default loans, unfinished real estate and some unfinished Assets that are difficult to dispose of in the short term and cause headaches for financial institutions are just like the ingredients that people cook in the kitchen in daily life. High-quality ingredients are often sent to the table, but the leftovers are generally thrown into the trash. After the garbage dump enters the garbage treatment plant, some of these leftovers are often processed into some animal feed or other by-products, and only a very small part is directly discarded.
The main work of institutions such as AMC is to deal with the residues of these ingredients, and find some parts that can be used here and package them for sale. This is what our industry refers to as a bad asset package.
includes asset management, investment management, corporate management; equity investment; corporate asset reorganization,M&A and project financing; financial advisory; entrusted management of equity investment funds; domestic trade; investment and establishment of industries.
is summarized in professional terms:
1, mainly including asset acquisition, management and disposal, asset reorganization, acceptance of entrusted management and disposal of assets services, additional investment and other approved businesses;
2, management and use of own funds; entrusted or entrusted Asset management business; consulting business related to asset management business; other asset management business permitted by national laws and regulations.
In other words, to a certain extent, AMC has the ability to "turn waste into treasure" of various types of non-performing assets .
There is a famous saying in "Naoki Bansawa": Banks and financial institutions, their daily work is mainly: "borrow umbrellas on sunny days, and receive umbrellas on rainy days" . This also reflects the attitude of banks and other institutions toward enterprises and supports the development of entities, but bank financing is not a life-saving straw. So who is the life-saving straw? AMC resolutely assumed such a responsibility. The picture of
comes from the network
At this point, I believe everyone has a basic understanding. Whenever those enterprise controllers encounter difficulties, they must find the boss through various relationships, and boss Lai has a big stroke. Those "gold" that can only be called "gold" in a small year can be sold at a "gold price" that can only be sold as gold in a big year.
What I believe is that anyone who is desperate and meets such a life-saving "thigh" will cling to death.
just happens to have this "thigh" with fetishism, it just happens to be "the one who is good in the top, the one who is good in the next will be great."
coincides with the economic downturn, and companies with problems emerge in endlessly. The scale of 's non-performing assets and are also rising. The so-called time and place are good for people and the three are ready to ride the wind and waves. It is not surprising that the number of 1.788 billion can appear.
Actually, as a senior wealth consultant, I have always been very confident in China's economy. Starting in 2020, it must be an excellent opportunity for China's economy to take off. As long as all kinds of financial institutions perform their duties and return to their respective positions, in line with the original intention of contributing to economic development, adhering to the sacred mission entrusted by the state, and conducting business objectively and fairly, the future will be very beautiful.
is still the same sentence, most people are good, few people are bad.
Our eyes should stay more on the positive energies of the society. On the basis of understanding the functions of financial institutions, we should guard against failures and earnestly safeguard our own interests.
For those investments that cannot be seen, understood or understood, observe more, try less, and protect your pocketbook .
will definitely be even better in the future.
hope to help everyone, thank you.
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