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      "body": "【我采访了三位90后的小姐姐，她们心目中怎样的人算是会聊天？】\n为了帮助大家找到“怎样的人算是会聊天？”这个问题的答案，\n我决定用一种不同寻常的方式。\n\n虽然我教过很多上市公司的董事长，或者是互联网公司的高层。\n但是，这次我不请教他们，而是专门请教了三位90后的小姐姐。\n问问看她们心中会聊天的人是怎么样的？\n\n90年的一位新媒体营销公司创始人\n\"因为工作的关系，我会和不少客户和新媒体大V谈工作或者是喝酒。\n经常会接触不同行业的人，我认为比较会聊天的人是能够讲一些对我有启发的东西的人，^_^\"\n\n91年的一位品牌总监\n\"能够很好的把握对话的节奏，善于倾听。\n会听才会说嘛，我觉得你就挺会聊天的。（本人表示o(￣┰￣*)ゞ）\"\n\n97年的一位抖音大V\n\"他不一定要很多话，但是很会倾听。\n能够知道什么时候让我说，什么时候他说\"\n\n01 如何在聊天中提供有价值的信息。\n在一般的朋友聚会，行业活动这些场合，人和人之间第一次见面往往要进行一次破冰。也就是完成一次互相认识的过程。\n互相认识始于，建立基本的互相信任，在我看来主要可以通过适当的展露自己的职业+背景，来完成这一点。\n当然，你可以更进一步，在自我介绍的过程中顺带告诉大家你可以提供的价值点是什么。这样的话也可以让对方对你印象更加深刻。\n第一次介绍：职业+背景+价值点\n“我叫小贝，去年对接的传统品牌广告主有100多家，未来可以帮助各位对接甲方爸爸”\n\n这一点，也是符合 罗伯特.西奥迪尼《影响力》里的互惠法则 ，通过索取、给予、索取、再给予的过程，不断加深人与人之间的联系。\n当然，我自己在和人聊天的过程中还有一个习惯，就是主动替对方着想，可能怎么样的链接或者信息可能对于对方有用，主动提供给对方。\n比如说，我会邀请一些刚刚在深圳定居的自媒体参加我组织的深圳大V聚会，给他们对接一些本地的朋友和潜在客户。\n另外分享你观察到的行业趋势+你操盘过的实际案例，也都是不错的提供信息增量的有效套路。\n\n\n02 如何把倾听和聊天结合起来。\n擅长说的人其实先要擅长听。\n提问+倾听+提供有效信息，其实是一种很有效的聊天套路。\n你可以问对方的兴趣，让对方多讲讲自己感兴趣的事情。\n你可以问问对方的困惑，让对方讲讲自己的迷茫与挑战。\n你可以问问对方的成就，让对方充分的展示自己优秀的一面。\n例子：“你的知乎影响力做的不错，现在运营有没有碰到过什么问题？ （提问）\n不知道怎么变现呢，看着那些做短视频的这么火，有点迷茫。 （倾听）\n也许我可以帮你呢，我之前孵化过的不少自媒体人收入都有10倍以上的增长呢（提供价值）”\n\n《男人来自火星，女人来自金星》这本书里讲到，很多时候女性的聊天是做为一种释放压力的方式，而不是一定在寻求一个问题的解答。\n所以，男性和女性的交流过程中多倾听，多提供情感支持，而不要尝试每次都要给出解决方案。\n\n\n03 利用“自我告白”，激发兴趣\n如果想拉近彼此的心理距离，还有一个方法，那就是向对方倾诉一些自己的秘密或谈论隐私性的话题。\n当对方了解了您的一些秘密、尤其是当他（她）知道这些秘密您从未向任何人提及时，对方对您的亲切感会立刻升温。\n互相袒露隐私，会让对方有一种亲密的错觉。\n比如说你可以讲一讲你创业初期的失败经历，或者是发生过在自己身上的一些糗事。\n告诉女生这种聊天套路，是让你们识别出男生的套路。\n告诉男生这种聊天套路，是让你们不要被渣男们甩的太远。\n\n\n04 聊天如何聊出节奏感？\n一方面，你要注意不要一直是你在说话，要通过提问的方式给对方表达自己的机会。\n同时，你也要注意不要一直提问，给对方一种你在查户口的感觉，也很容易吓到对方。\n“我给你分享一个我们行业里有意思的故事吧...\n你给我们讲一讲你们行业有什么有意思的故事吧？”\n同时，聊天的节奏感也包括指长句和短句的交替，太多的长句让人听起来比较累，太多的短句会让人觉得你思考过于碎片化。\n比较好的聊天节奏，应该是50%的提问+50%的分享，双方的提问能够做到有来有往。\n我经常组的一些饭局，大家就在这种一来一往的交流中从晚上六点多聊到十点。\n\n05 在聊天过程中，多给予具体的肯定。\n由于人类存在自我参照效应，我们对于和自己有关的事情会记得更加清楚。\n当你开始夸奖他人，你在对方心中就是一个与他有关的人了，他也就更容易把你记住。\n夸奖他人比较敷衍的方式：抽象的形容词。\n例子：“你这个人很厉害哦”\n高级的夸奖他人的套路：具体而又有细节，最好这个细节也是别人在意的。\n例子：“他这个营销顾问很厉害的，一次咨询可以帮别人提高10倍左右的转化率，收费30万起”。\n也有心理学研究表明，我们喜欢与自己相似的人，也喜欢那些喜欢自己的人。\n\n小结一下：\n前面这三位小姐姐讲的会聊天的人所具有的一些特质主要有3点“有见识，能够提供信息增量”，“懂得倾听x2”，“善于把握对话的节奏”。\n其实，想要成为一个会聊天的人，没你想的那么难。",
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      "body": "91年的狮子座。\n目前在深圳上班，全职和兼职收入每月2W左右，存款10W，无房无车，不劳动就会分文无有。\n\n大学毕业后，在武汉一家国企工作了两年，福利待遇都很不错，但偏偏我很不安于现状，辞职去新西兰打工旅行9个月，然后去北欧做国际志愿者一个月，在欧洲一个人旅行2个月，然后回国打工搬砖。\n\n本来打算回国后攒钱出国留学，但回国不到一年，家里变故不断，2017年3月份爸爸做了脑肿瘤手术，作为一个没有积蓄没有保险的农村独生女，这个不大不小的冲击给我泼了一大盆冷水，狠狠地打击到了我。\n\n此前，我一直过着自由不羁的生活，觉得自己收入还可以，虽然买不起房车，也没有存款，家里也不富裕，反正存一点钱也没啥用，还不如享受当下，人生得意须尽欢。\n\n于是每个月大手大脚追求高品质生活，结果爸爸一生病，我整个人就傻掉了，没有钱，谈什么爱自由。\n2017年所有的工资收入都给了家里，还找亲戚借了一些钱。爸爸妈妈除了务农，没有收入来源。焦头烂额。\n\n这种时候，和异地的男友沟通非常不顺利，各种闹别扭，分手。\n\n非常难受，经历了一段时间的情绪崩溃，自暴自弃，逃避现实。\n\n经常会在深夜躺在床上静静掉眼泪，也会走在路上突然就泪流满面。\n\n人前嬉皮笑脸，嘴上满满正能量，一个人的时候，站在深圳的街头，满心荒凉。\n\n后来，爸爸出院在家养病，2017年年底没有回家，因为一些特殊的原因不敢让家里人知道没有勇气回家。把手上所有的钱加上年终奖（6W）打给家里，让他们把借亲戚的钱还掉。\n然后去了新西兰过春节。\n\n之前在新西兰的时候有一些很好的朋友，去新西兰的花费不多，我带着电脑过去一边做翻译一边旅游。\n经历了非常难过的2017年，也做了非常多不计后果的傻事，到了年底整个人突然就静下来了，不想得过且过了，于是淡出各种不重要的社交关系和微信群聊以及各种浪费时间的无聊社交活动。\n\n认真决定2018年要把时间和精力花在可以“开花结果”的事情上面，努力减肥和赚钱。\n空闲时间都会接翻译挣外快，每天都坚持运动，不让自己在糟糕的情绪里沉陷很久。\n开始的几个月还是很抑郁，对什么都没兴趣，整个人都很沉重，总想哭，总想吃东西，忍不住想暴饮暴食，总想找前男友聊天，很缺爱。\n\n即便如此，也还是咬牙坚持跑步，虽然常常偷偷一个人哭，内心绝望，感到虚无。但也有非常积极向上的日子，元气满满。\n\n就这样时好时坏地熬过了最难过的日子，突然有一天早上醒来，就觉得浑身轻松，心里那种不可言状的棉絮般的堵塞感没有了，运动、工作和饮食状态都变得非常好，不再需要消耗很大的内心能量去逼迫自己坚持什么，而是自然而然地就开始想要运动，想要按时做完该做的事情，想要吃健康的食物，不健康的食物如果实在想吃，也只吃很少量，也开始恢复读书的习惯，一周可以看完1-2本书。\n\n不再一味伤心和担忧，微信没有在意的人就不看朋友圈了，也不想给前男友发消息了，于是那种自我价值感极低的失落也渐渐消失了。所有的碎片时间，无所事事的无聊时间，都用来运动、看各种书籍，所有的假期，只和最最最亲密的朋友待在一起，舒舒服服地躺着看看书看看剧，或者做做翻译挣点儿钱。整个人突然就沉静下来了。开始写日记，把自己这种变化过程和内心想法尽可能复制粘贴般地转移到私密日记里，想给未来的自己一些线索，看看自己是如何成长和变化的。\n\n状态调整好之后，一直困扰自己，让我感到悲观绝望的问题也没那么难了，不就是害怕孤单一人没有抗风险能力吗，给妈妈买了医疗保险，绑定了我的工资卡，每年的保费我来交，给自己买了重疾险，就当做是一种强制性储蓄。还去医疗美容医院咨询了一些美容项目，理性思考一番，决定只改善一下眼睑提肌无力的问题，其他的不完美决定一律保留，舒舒服服不惹人注目的做自己，不漂亮但也不丑啊，我要从其他方面整顿自己的魅力值。\n\n职业发展方面，傻人有傻福，我没钱没经验没家庭背景，只能上着班然后做点儿兼职拿着劳动性收入小心翼翼过一天是一天，危机感很强，这样下去先不论人工智能会不会取代我，我自己也看不到太大的突破。但是，因为一些机缘巧合，认识一位很优秀聪明的前辈，央企辞职自己开公司，这两年一直在筹备一个新的创业项目，适合带着我去一起做，因此一起聊了很多次，还去实地考察市场，收获颇多，主要是大大开拓了我的思路，看到了自己的狭隘和局限。目前只是在初期准备阶段，但基本上已经具备很大的可执行性了。\n\n自己考虑了一番，我本来就一无所有，如果有贵人相助和提携，创业对我而言是非常值得的经历，我不怕吃苦，也不怕挣不到钱，更不用担心亏本。在30岁前的三年，比起按部就班地上班当大公司的一枚螺丝钉，如果可以在一个坚实的后盾下，从零开始创业，学习整个流程，这种难得的锻炼机会，对我个人能力的提高，绝对是比经济收入更为重要的。静候佳音吧。\n\n22岁大学毕业的时候我希望可以快点有一份工作，实现经济独立，不用再找爸爸妈妈拿钱花。\n24岁工作两年的时候我不甘心在国企按部就班上班，我想拿着钱去国外打工旅行，体验迟到的间隔年。世界那么大，我想去看看。我爱自由。\n\n25岁的时候，我觉得虽然出生贫穷的农村家庭，但我看到了很多新的可能性，我可以努力一点就够得到别人轻易就能得到的一些东西，我想存钱出国读书。\n\n26岁的时候，我被现实狠狠扇了一巴掌，我一度以为自己和身边的富二代朋友或不穷的朋友们没有差距没有距离，但现实让我看到了自己的“后顾之忧”和“局限性”，我很不甘心很难过很挣扎。\n\n27岁的时候，我沉静下来了，我接受了人生总有遗憾，也接受了糟糕的生活还会更糟糕，但我相信坚持就会有变化，积少成多就会有改变，所以我决心用一种可持续性发展下去的新态度去生活。\n\n27岁我不再强烈想要说服别人，不再有激烈的情绪起伏，不再想着如何找到一个志趣相投的人一起生活，心态很平和，也不害怕独处。\n\n27岁的我为孤独终老做好了万全准备，当然了，我不是为了孤独而孤独，我只是不想什么都指望着外面的世界，我只是想让自己变得可以依靠哈哈。\n\n我现在就想存钱在武汉买个房子给自己，然后保持目前健康的生活状态，嘻嘻。\n\n而且，我非常有信心，因为我还差一点点就凑够首付了，我还差一点点就瘦到100斤以下了（已经成功从111斤瘦到了104斤），我还差一点点就可以去尝试创业了。我还有很多很多的能量储备，我还可以坚持努力很久很久，所以我对这些实实在在的愿望充满了希望。\n\n快30了，还好我在27岁的时候突然沉静下来了，我相信未来的自己会感恩现在的努力的。\n\n深圳今天下雨了，上周末回武汉，我觉得非常开心。也许很快，我就在武汉有自己的家了。",
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      "body": "The two foreign media and social networks were occupied by a man who cheated on a woman's feelings.\n\n\nStill the old routine, the man puts in the home the wife to put on the beautiful model.\n![20180128135559_071d9be8959392162468bc752ff8b6cb_1.jpg](https://steemitimages.com/DQmUtdrm91kWEFRYYALVJYniW3gcbrwn3YhWSW9jk6pMWKF/20180128135559_071d9be8959392162468bc752ff8b6cb_1.jpg)\nThe reason why people care so much about this is that the man... He...... Marry is...\n\n\nPutin's daughter...\n\n\nMr. Putin's son-in-law, named samarov, is a Russian billionaire.\n\n\nFour years ago, Mr. Putin's youngest daughter, tikonova, was married to samarov.\n\n\nAfter marrying Mr Putin's daughter, Mr Samarov's business was even better.\n\n\nAlthough he is only 36 years old, he is already one of the youngest billionaires in the world.\n\n\nForbes reported that in just three years he had amassed an estimated fortune of more than $1.3 billion.\n\n\nThe New Year's Forbes billionaires list.\n\n\nThe main reason for his rapid ascent is the same as many Russian oligarchs -- close to Mr Putin.\n![20180128135559_071d9be8959392162468bc752ff8b6cb_3.jpg](https://steemitimages.com/DQmfWqkfukYXpkhrKAtSTKz6FkHEsWRbYyMGmhZPTPjicFt/20180128135559_071d9be8959392162468bc752ff8b6cb_3.jpg)\nIn Russia, it is taboo to talk about Mr Putin's personal and family life.\n\n\nYou only know that the little girl was born in 1986, and putin likes it,\n\n\nAccording to Reuters, katerina is currently engaged in academic work and is in charge of some state-funded projects at the Moscow state university.\n![20180128135559_071d9be8959392162468bc752ff8b6cb_4.jpg](https://steemitimages.com/DQmdiuorWK9oAD3mvESqEp4AnFAFWXiEGduEcqAKRR5TQk5/20180128135559_071d9be8959392162468bc752ff8b6cb_4.jpg)\nRecently, foreign media reported that yekaterina and samarov had divorced in April last year.\n\n\nThe reason for the divorce was that she was married to the socialite, volkova, who lives in London, England.\n![20180128135559_071d9be8959392162468bc752ff8b6cb_6.jpg](https://steemitimages.com/DQmdBJspuyoV5KCVqr2k5ZHFooAriAQ4cp29Agphy874xrE/20180128135559_071d9be8959392162468bc752ff8b6cb_6.jpg)\nForeign media refers to volkova, now living in London, England, at last year's valentine's day party.\n\n\nA warm dance with a man covered in emojis.\n\n\nIn the photo, the man was found to be the youngest billionaire in Russia, and the 35-year-old husband of yekaterina.\n![20180128135559_071d9be8959392162468bc752ff8b6cb_7.jpg](https://steemitimages.com/DQmf4G5ozbUKPa7FLjhpqZK25EAuzxE7MpdDH2miDdiBdpn/20180128135559_071d9be8959392162468bc752ff8b6cb_7.jpg)\n![20180128135559_071d9be8959392162468bc752ff8b6cb_9.jpg](https://steemitimages.com/DQmeduSgAdzQbnkVd4LDzrowgkiEEnKHPpg142oDbCiidtE/20180128135559_071d9be8959392162468bc752ff8b6cb_9.jpg)\n![20180128135559_071d9be8959392162468bc752ff8b6cb_10.jpg](https://steemitimages.com/DQmWii867Qn2UFJc2umAtvnHknTgsFQBVV6NZ3r3vxeRBpX/20180128135559_071d9be8959392162468bc752ff8b6cb_10.jpg)\nIn order to spend time with the famous lady, Mr Samarov, Mr Putin's former son-in-law, has also paid a price.\n\n\nHe is said to have lost his job as a deputy chief executive and lost his share and job.\n\n\nLast year he had $1.3 billion in assets, now around $800 million, and he's paying a lot of interest on loans,\n\n\nThere are also potential divorce costs, and the net worth is less...\n\n\nAnd the most crucial question is, what happens to those who have offended Mr Putin?\n\n\nMany netizens said, I'm afraid it can be used for bears!",
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      "body": "![5e36000a3146b1db18b7.jpg](https://steemitimages.com/DQmWRqD1f8fTniaXzF6yEH5cMjvk1wAj6WQFetJbwdJwW5Z/5e36000a3146b1db18b7.jpg)\n一时间，海航成了金融机构的“敏感词”。经济观察报记者近日采访多位银行业人士，提起海航犹如烫手山芋一般，纷纷表示不方便评论。记者从北京某银行业人士了解到，该行对涉及海航的所有业务都是禁入的，这意味着对海航已经不再放贷。不仅于此，北京某上市券商人士亦向经济观察报独家透露，海航系旗下所有上市公司的股权质押项目一概不做。\n\n面对外界的诸多疑问——海航近期是否为一年期融资支付高额利息，海航近期是否频繁出售资产补充流动性，海航旗下上市公司集中停牌是否因为资金流紧张，海航运营总裁兼人力资源总监高建1月25日回应经济观察报称，近期集团下属各参控股上市公司停牌，与集团流动性问题无关；海航的融资成本并不算高；海航也并未频频出售资产，即便有出售部分资产计划，也是取决于海航业务的发展节奏和需要，有买有卖都是企业调整资产结构的正常行为。\n\n一名接近海航的相关人士告诉记者，虽然海航目前也在做一些资产处置，但是，海航资产变现处理得慢，又遇上美国缩表和国内降杠杆的大环境；但是内部看来问题并不大，目前运营正常。或许海航的症结如北京某券商人士分析的那样，很多资产的收益率已经不能覆盖其所投入的资金成本，如何提升资产的盈利水平是关键。\n\n银行“停贷风波”\n\n经济观察报记者获悉，从去年9月份开始，有银行对海航系企业的放贷已经非常审慎了。前段时间，根据媒体的公开报道，海航获得国家开发银行50亿元贷款，其中20亿流贷已到账。\n\n上述接近海航的相关人士否认集团现在面临银行停贷的危机，对于上述银行的做法也表示理解，毕竟各家银行规避风险的能力和红线不一样。\n\n海航最大的资金来源应该是银行。海航向经济观察报记者提供的数据显示，2017年全年，海航累计获批银行综合授信超8000 亿元，较年初新增授信规模超1900 亿元，未使用授信额度逾3000亿元。根据海航《公司债券半年度报告（2017）》（以下简称报告），截至2017年上半年，各家银行机构对海航的综合授信额度为7452亿元，剩余额度为2907亿元。据此估算，海航下半年累计获批银行综合授信550亿元，全年新增的信贷额度主要集中在上半年。\n\n如果按照央行金融机构一年期贷款基准利率4.35%粗略估算，海航已使用的5000亿银行授信额度一年所需支付的利息在200亿元以上。\n\n海航董事局主席陈峰1月18日对路透社承认公司出现流动性难题，但他乐观认为，海航能够解决现金短缺问题，今年将继续获得银行及其它金融机构的支持。\n\n那么，海航的现金流量表数据如何？在上述《报告》中，同样截至2017年上半年，海航经营活动产生的现金流净额为310亿元，筹资活动产生的现金流量净额为1402亿元，而投资活动产生的现金流量净额为1778亿元。这意味着，海航经营和融资产生的现金流刚好足够支付海航大举海外并购所需要的资金。《报告》中最为明显的变化是，海航发债的周期从此前的每隔两三年缩短到2016年的每隔几个月便发行一期债券。经济观察报记者梳理发现，2016年发行的四期海航债券——16海航01、16海航02、16海集01、16海集02利率在6.2%-7%之间，期限均为三年，债券余额88亿元，将于2019年陆续到期。此前，海航还发行过期限在7年以上的中长期债券，累计债券余额54.5亿元。2016年以前的海航债均用于购买飞机和海南地标海口塔的建设中，而2016年发行的债券多用于补充公司的流动性。\n\n近期有媒体称，海航愿出高利率融资，为一年期融资支付高额利息。对此，高建回应称，就不同融资渠道而言，目前海航的融资成本并非最高。高建援引公司数据表示，2017 年年中海航资产负债率59.5%，2007 年开始资产负债率连续7年下降，有息负债中的长期负债超68%，负债结构合理。预计到今年底，经营活动产生现金流净额将超过600亿元。\n\n经济观察报记者也注意到，海航2017上半年利润总额42.27亿元。上述接近海航的人士对经济观察报记者表示，企业利润率跟企业阶段有关系。海航正在快速扩张，利润不会积累，而是注入资本金。例如，亚马逊在全球布局，因为布局了很多自有资产，利润率相对还是低的。\n\n上市公司股价连挫，质押临危？\n\n同样引发关注的是，海航系A股上市公司股价下滑以及集中停牌。公开数据显示，海航目前拥10家A股上市公司和3家港股公司，分别是：海航基础(600515.SH)、海越股份（600387）、供销大集(000564.SZ)、海航投资(000616.SZ)、渤海金控（000415.SZ）、天海投资(600751.SH)、海航创新(600555.SH)、凯撒旅游、海航控股(600221.SH)、东北电气（000585）和香港国际建投(00687.HK)、海航科技投资(02086.HK)、海航实业股份(00521.HK)。\n\n经济观察报记者从上市北京券商人士了解到，海航系旗下所有上市的公司的股权质押项目一律不做。其向记者展示的一份材料显示，海航基础去年9月份和10月份已经上了“黑名单”，这一名单为某券商筛选下来不太想接的股票，对这些股票警示的原因是，“经营差、质押高、看不透”。\n\n目前来看，控股股东对上述股票的质押率都比较高。根据Wind数据，海航实业及其一致行动人海航基础、天津市大通建设发展集团有限公司合计已质押海航基础的股票数量为22亿股，占其持有公司股票的 93.14%，占公司总股本的57.32％；海航云商持有海越股份13.68%的股票，累计质押股份数为3876万股，占其持有本公司股份总数的60.84%，占本公司总股本的8.32%；海航旅游及其一致行动人质押其所持有的海航创新股份95.664%，占公司总股本的28.648%。\n\n海航基础去年12月底发布的一份公告还显示，前十大股东海航实业拟计划自2017 年12月29日起6个月内增持公司A股股份,累计增持比例在当前公司已发行总股份0.2%至1%之间。增持原因是否因为股价连挫、质押临危，截至记者发稿前，仍无法接通海航基础董秘的电话。\n\n年初至今，海航基础、海航创新、凯撒旅游股价分别下滑5.66%、9.46%、8.45%。港股上市公司海航科技投资、海航实业股份下挫22.69%和15.38%。\n\n对于上市公司集中停牌是否与流动性告急相关，海航从集团层面予以否认。高建表示，近期，集团下属各参控股上市公司分别基于战略规划和业务发展需要，根据相关法律法规，向交易所先后申请停牌。截至目前，海航旗下各企业生产经营情况良好，与境内外各大金融机构保持着良好的合作关系。\n\n根据公告，海航基础、凯撒旅游、天海投资、海航控股停牌或涉及重大资产重组。供销大集于1月23日披露重大资产重组进展公告，初步披露重组标的资产为港龙控股集团有限公司控制的专业市场类资产和相关资产、远成集团有限公司控制的相关资产、北京众联享付科技股份有限公司的控股权、北京科码先锋互联网技术股份有限公司的控股权、河北塔坛房地产开发有限公司控制的专业市场类资产。\n\n至于现金流问题，海航表示并不担心。高建表示，海航在境内外投资的整体浮盈。截至2018 年1月24 日，海航在境外上市公司股权投资的浮盈总额高达45亿美元，折合人民币约287亿元。海航收购希尔顿集团上市公司25%股权，不到10 个月，实现浮盈超30亿美元。收购德意志银行9.9%的股权，平均浮盈比例9.22% 。海航收购西班牙NH 酒店集团 29.5%股权，浮盈达32.61%。\n\n此外，高建还表示，海航收购资产时就很注重收购资产带来的现金流和盈利回报。花1 块钱买资产，这个资产挣回的钱必须要超过1 块，从而保证长期和短期债务的偿付。另外，目前长期债务对短期债务比控制在4:1，且传统信贷比例降低，提升债券、基金的比例，发挥债券融资期限长、成本低、发行程序简便的优势。\n\n的确，似乎遭遇业界诘问的海航并不气馁。陈峰在2018 新年致辞中依然信心饱满地说：“我们比以往任何时候都更接近我们的梦想。”\n\n综上，海航下一站会如何？在中国金融改革研究院长刘胜军看来，65 岁的陈峰是海航主要创始人，其是中国最具“佛系”光环的商人。“要自救，须舍得。《地藏经》说：舍一得万报。我把这句话送给陈峰参详。”",
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      "body": "今天中午的时候，吴江开始下雨，气温也随之低了一点，到现在晚上，雨仍在下着，\n此刻，我坐在床上，屋外的雨水敲打屋檐的声音不绝如缕。\n今天的日期，是星期天，主日礼拜。因家里的《圣经》已经破旧不堪，\n故此，母亲就于今天早晨去了金家坝教堂买来一本新的《圣经》，\n又买来一本新的《赞美诗》。之前破旧的那本《圣经》，\n因有一阵子被放在八滩家里，不与我们在一起，因此，破旧的那本《圣经》就起了霉，\n又被老鼠啃了一些纸张。母亲在决定买一本新的《圣经》之前对我说到，我们这是对 神的不敬啊，《圣经》竟然被我们糟蹋成这样了，我们竟然使《圣经》发了霉，并使《圣经》被老鼠啃掉了一些纸张，联想到我们最近的生活有点困苦，可能，就是因为没有保管好《圣经》的缘故而造成的吧。\n在今天与母亲讨论的属灵话题里，我们参照的是《圣经》新约福音书里，\n主耶稣基督对我们讲的按才受托的这个比喻，\n对于比喻里的那个第三个把主人交托的财宝埋在土里而不放在银行里取利的仆人，\n我觉得这一要点有必要说一下，\n故此，我就问母亲，是否知道把主人的财宝放在银行里取利的意思？\n母亲说：“关于这一点，你说说看。”于是，我就仔细的思想，主耶稣告诉我们的把主人的财宝放在银行里取利到底是什么意思呢？\n当我联系到做生意的人到银行里拿贷款做生意的这么一个情况，我就豁然开朗了起来，\n于是，我就对母亲说：“主耶稣告诉我们的把主人的财宝放在银行里取利的意思是这样的，首先，我们来看，银行里放贷款出去的钱是从哪里来的呢？\n没错，就是从存钱的人这里来的，也就是说，银行里将存钱人存入银行里的钱拿出去放给借贷的人，\n借贷人将从银行里贷出的钱拿去做生意，再赚钱，用这从银行里贷来的钱赚钱，\n而用的这从银行里贷来的钱，间接的就是用存钱人存在银行里的那些钱。\n这样，我们就知道了，原来，主是要我们每个基督徒都发挥出我们应有的能力来为 神结果子，我们中有些是不如那些为主做生意以主所赐予的恩赐赚取更多恩赐的仆人的，\n但是，我们却可以以我们从主领受过来的恩赐来进行我们自身的作光作盐，或者有谁在我们的身上看到了主耶稣基督的见证，他们就因为我们的行为而受洗归我们的主耶稣基督了也说不定。\n又或者说有哪个传道人从前不是信主耶稣基督的，后来因为受到了我们的影响，就信主耶稣基督了，并有许多人因为这位传道人的热心传道，转而悔改信主耶稣基督了。\n在这里，我们并没有热心做什么为主耶稣基督传道的工作，但是我们却通过被我们的所作所为影响到的弟兄或姊妹间接的做了为主耶稣基督传道的工作了，\n这就犹如我们将主人交托的钱存入了银行，我们自己虽然没有运用这笔钱为主人做生意赚钱（我们能力有限），但是我们的这笔钱却间接的通过了借贷人的手为主人赚了钱，\n所以，在《圣经》新约福音书里，主耶稣基督在以按才受托的比喻教导我们的时候，才在比喻里藉着主人对那第三个仆人说：“你就是将我交托给你的钱放在银行里生利息也好过你将我交托给你的钱埋在土里。””",
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      "body": "没有最强，只有更强。\n\n当我们还在沉湎于谴责过去一年，广发银行10亿的虚假担保，农业银行14亿的“萝卜章”，民生银行30亿的“飞天”假理财案时，却猝不及防，被一向号称“零不良的”浦发银行成都分行彻底震惊了。\n\n浦发775亿大案\n\n1月19日晚，银监会官网头条发布消息：为掩盖不良贷款，浦发银行成都分行使出各种“财技”，向1493个空壳企业授信775亿元，换取相关企业出资承担该行不良贷款。\n\n银监会公告用词非常严厉——“这是一起浦发银行成都分行主导的有组织的造假案件，涉案金额巨大，手段隐蔽，性质恶劣，教训深刻”。\n\n是啊，谁能想到，一个市值近4000亿，年盈利近700亿的浦发银行，合规管理竟如此松散，竟被自己的一个小小分行惹出了近千亿的幺蛾子，这令业界一片震惊的同时，也令整个金融监管部门感到震怒。\n\n银监会愤怒之下甩出了重罚，依法对浦发银行成都支行罚款4.62亿元，浦发成都分行前行长王兵被“双开”。浦发银行成都分行原行长王兵、两名副行长、一名部门负责人和一名支行行长分别被给予禁止终身从事银行业工作、取消高级管理人员任职资格、警告及罚款。目前，相关195名涉案人员已被移交司法机关处理。\n![5b530001cc9680915dff.jpg](https://steemitimages.com/DQmXtigoXA9QndWSi1wM5xvDeRMDYfZTCNNu7MvxbxZEBdg/5b530001cc9680915dff.jpg)\n银行业：金玉其外，败絮其中\n\n其实，案件并不是最新发生，而是持续了一段时间的，去年4月被曝光，只是近日公布处罚结果而已。2017年4月，就有报道称，浦发银行成都分行给七个企业集团的两千多个“壳公司”授信1655笔，有“千亿坏帐”。当时，浦发银行官方只承认，“近年来，受区域实体经济下行影响，我行成都分行资产质量承受一定压力，煤炭等产能过剩行业的贷款逾期情况攀升”，但并未提及所涉及的风险资产、贷款笔数等。\n\n当时是不承认，但现在不得不承认，从银监会公布的内容中，我们可以发现浦发银行成都分行是用承债式收购的方式，腾挪不良贷款的。\n\n所谓承债式收购，是不良贷款腾挪的一种手段。比如，向浦发贷款的A企业欠息要引起关注了，浦发慌忙找到一个壳公司B来收购A，并发放给B一笔贷款，来支付A的利息。如此左手倒右手，不断掩盖不良贷款率。\n\n当然，银行业如此乱象和腐败的不只是浦发银行一家，刚刚被查的山东恒丰银行，也是一朵奇葩。从2003年开始，曾长达10年没有行长；出过中国金融史上最大的刚性兑付案，涉案金额40亿；高管私分过亿公款；董事长要求全部1.1万名员工参与自己和行长的内斗……\n\n除了这些大大小小的案件，其实更关键的是，一些银行的股东把银行当成“提款机”，不断向银行借钱，掏空银行，转移资产，这些手法可就真的是几百亿上千亿的占为己有，而且表面看着还很合法，但留下的窟窿早已千苍百孔，个别股份制银行，部分城商行的烂账，按照国际标准，早就是崩盘状态了。\n\n银监会亮剑：暴风雨来的更猛\n\n对于这个问题，银监会主席郭树清也在1月17日接受《人民日报》专访时披露，少数不法分子通过复杂架构，虚假出资，循环注资，违规构建庞大的金融集团，已经成为深化金融改革和维护银行体系安全的严重障碍，必须依法予以严肃处理。\n\n与之相对应的是，1月13日晚，银监会官网发布的《中国银监会关于进一步深化整治银行业市场乱象的通知》，其中，共包括8个方面22条，明确2018年重点整治：\n\n可以看出2017年只是治理乱象的第一阶段，也就是控制乱象的增量，2018年监管才刚刚开始痛下杀手，来清理存量部分。所以，中央部署防止金融风险，是三年为一个时间段，我们可以看到，这个问题还是非常严厉的。\n\n那么现在圈子里面流行说，银行从业人员现在的行酒令，都是把几个文件串了起来，我们来看看都是怎么说的：四不当，三违反，七号文，十风险，两加强，双十禁，回头看，再回头！\n\n当然券商也有对喊的口号，比如说抓妖怪，逮大鳄，风黑哨，害人精，铁公鸡，就是一毛不拔，这都是证监会要治理的乱象。\n\n那么说完了银监会，说完了证监会，大家说怎么保监会没有声音？因为保监会在项俊波被抓之后，到现在都没有主席，这本身也说明什么？说明问题比银监会、比证监会\n\n治理的领域要更大。\n\n所以，还是回到开始的那句话，金融风险在目前的中国，没有最大，只有更大。",
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