"If you have a house, you can get a loan" is the way of thinking of "financial idiots"

Financial Doctor Woodpecker Financial 2018-04-21

In those years of working in the bank, he was responsible for the corporate credit business, and all kinds of shadow banks often came to the door and wanted to make some money through the bank.

Once, a little girl in the shadow bank did not know through which door to find the office. She looks good, about twenty-four or five years old, and her business card is printed with xx vice president. I chatted with her:

"What business is your company doing?"

"Finance... Private equity funds..." (Note: Over the past decade, all kinds of loan shark companies have liked to use the banner of private equity funds and appear tall. ）

"What industries are you investing in?"

“... real estate... And also... Bank Bridge Funds... What makes money we invest in... House mortgage we also do! ”

"Oh, I see!" I come across companies like this almost every day.

"How long have you been with the company?"

"It's been almost a year."

"You can be the vice president in less than a year, you are too good!"

"I'm doing well!"

"Which school did you graduate from?"

"River Big!"

"Which department?" What major? ”

“... Faculties? ... I dropped out of school in my sophomore year and wasn't interested in my major! ”

"Great, then you're the Chinese version of Bill Gates!"

“…”

"Our bank is recruiting people, with your ability, you can become the president of the branch in less than a year!"

"No, your bank income is too low!"

"Too low? Not low, ah, as soon as you enter the company, the basic salary gives you nine thousand how? I kind of teased.

"It's too low, my first month on the job, the salary increase is more than 60,000!"

"How do you do that?" So good performance? ”

"I pulled my aunt's 300,000 deposit to our company, and the commission was 20%!"

"Oh! ...”

"In the past year, my relatives have invested more than 6 million yuan in our company through me, and my salary bonus this year has been more than 1.5 million yuan! Their interest also ate more than 2 million! Your bank's interest and bonuses are too low to appeal to me! The little girl said with great energy.

"Your company is dangerous, you have to be leisurely!"

"Mr. Liu, how do you talk?" Our company's office conditions are much better than yours! ... Let's add a WeChat, you have more bank customers, give us a introduction to the company, the company gives you benefits and fees can be more than the bank gives you a lot of bonuses! The little girl listened to my warning, a little unhappy, out of courtesy and business needs, or to add me WeChat, ready to leave." Maybe it was the first time she had run into an unenlightened banker like me, and she didn't want to give any money.

This little girl is the most common financial idiot in all these years! For more than half a year after we met, she often posted in the circle of friends how much savings she had drawn from relatives and friends, and how much interest relatives and friends had received from their company. Suddenly one day, her circle of friends quieted down. After two weeks, I sent a WeChat message to ask her what was wrong, and she quickly called and cried and said, "Mr. Liu, what you said is really right, why didn't I listen to your advice in the first place?" Our boss is a big liar, a bastard, he cheated on us, my relatives and friends are eager to eat me, I dare not go home! ”

Investment guarantee companies have been rampant for more than a decade, and there is a financial elite everywhere. The guarantee company is banned, xx capital is coming again, and it is called a private equity fund, which is higher and bigger. P2P cloaked in the cloak of the Internet, Bitcoin and the like in the name of blockchain high-tech, its essence is a Ponzi scheme, its practitioners and investors are real "financial idiots".

A distinctive feature of "financial idiots" is that as long as there is huge profits, I dare to go up; as long as there is collateral, I dare to lend you. This kind of "financial idiot" has even mixed into many banks, and in recent years, a popular advertising slogan in banks: if you have a house, you can get a loan. Why is it that "having a house can be loaned" is a "financial idiot"?

Let's popularize it from the perspective of laws and regulations. Article 35 of Chapter 4 of the Law of the People's Republic of China on Commercial Banks stipulates that commercial banks shall strictly examine the borrower's borrowing purpose, repayment ability, repayment method, etc. As can be seen from the above, the primary examination of the loan is the purpose of the loan. There is no legal and compliant borrowing purpose, even if you have the best collateral, it will not be borrowed from you.

For example, an addict who inherited his parents' inheritance – there is a house worth tens of millions of yuan in the third ring road of Beijing, according to the logic of "having a house can be loaned", he can easily get a loan from the bank with a 20% discount on the appraisal price of the house. Can the bank recover his loan when it is due? The bank manager said I am not afraid, how valuable is the house in Beijing! The house in Beijing can never fall, and he will not lose money without paying our bank back.

Is this really the case? There is no thing in the world that only lives and does not die, there is no house that only rises and does not fall, once the house price can not rise rapidly, the bank that "has a house can lend" will soon become a real estate enterprise, and the liquidity will be completely locked. This reason bankers actually understand, but the ass decides the head, everyone can't take care of so much, can't see so far, fish, this bank is not ok, I jumped to other banks.

This seemingly clever thinking is actually the real "financial idiot" thinking, and the financial crisis is the butterfly effect of this "financial idiot" thinking that quickly accumulates to a critical point and breaks out. Under the crisis, the skin will not be hairy, and this common "financial idiot" disease in the financial circle has made the entire economy derealistic and virtual, and most people are eager for success and profit, eager to get rich overnight.

Fortunately, the top level of the government is sober, slaying demons in the financial circle and maintaining financial stability. This has led to the siege of many so-called "market faction" brick families, saying that our government has interfered in the market too much, these "financial idiots" brick families, are you really financial idiots? Or was it bought off by certain interest groups, and there was no bottom line of personality. A market economy without regulation is a true market economy? Freedom without constraints is true freedom?

"If you have a house, you can borrow money" is a manifestation of the bank's quick success, is an extremely dangerous way of thinking, in the long run, the bank will no longer be a bank, will become a real estate company that cannot be moved.

The rapid development of the mobile Internet has enabled human society to quickly enter the intelligent era, and the speed of information exchange is changing with each passing day. This also makes people also step into a misunderstanding, thinking that the so-called "big data" can control everything. I often hear from "elite people" about how much data I have and how valuable it is. I just ask, do you have more data than the Ministry of Public Security? The Ministry of Public Security has the data of the people of the whole country, and they also go to build a scene app to let the people of the whole country consume on it, will the people of the whole country recognize this scene? Many banks are so confident, they think they have mastered tens of millions or even hundreds of millions of user data, competing to invest heavily in the development of apps, create scenes, want to compete with Taobao, Jingdong market, so many years, no bank's mall app is successful. The reason is that the "financial idiot" thinking of some people in the bank harms themselves, they forget their origins, they are unwilling to take risks, they have no motivation and ability to innovate, and they always want other banks to try new things, and people become him to follow behind to learn, and when people lose, they will hehehe. Can such thinking create a truly intelligent technology bank?

What kind of thinking there is, what kind of result. Innovation is not shouting slogans, innovation is first of all to change your way of thinking! The "financial idiot" way of thinking harms not only the financial industry, it will endanger the entire economy and even the entire country and nation. An article circulating in the circle of friends these days said that the world is still the world of 1840, and China is no longer the China of 1840. Yes, American, British, and French imperialism is still the nature of 1840, the Syrian people are bombed by their missiles, and China is no longer the China of more than 100 years ago. But history makes us always vigilant, once the idiot thinking sweeps through the brains of the people, the history of being ravaged by the great powers may repeat itself!