Chen Zhiwu: married to the United States come from afar, the wealth of Hunan Satellite TV talk show guest, Young people should be rational use of financial products to life-changing situation, the loan is invested their own consumption. Zhiwu also noted that Li Nan: young people, when the conditions are ripe, it should be aware of future income can be discounted to the present, make themselves feel not so poor, is not the case?
Zhiwu: this concept in China is still quite controversial, Regardless of the mortgage to buy a house, or the use of mortgage loans to buy cars, which are ahead of consumption, according to the original concept to determine this is an irresponsible, even without a high moral standard behavior. But now the financial products, better, more convenient part of the expected future income, discounted to the present day, and spend the transfer, which is the concept of correction of past living within our means.
After development in the financial markets, live within our means of income should be referring to a person's lifetime income, including past income, but should include the expected future income.
Zhang Jingdong: But in the domestic reality, there is a technical part of a larger problem is how to evaluate future income, especially in the social environment changes great background.
Li Nan: Professor Chen is the number of finance, technical analysis to do, how to give human capital to pricing? Suppose a 20-year-olds the average salary is 10 million, this person's life How much income is about? have this formula do?
Zhiwu: financial theory there are many such formulas, assuming that the future work of this young man of 30 years, the annual income is expected to at least 10 million, 30 years is 300 million, if taking into account inflation factors, from the present situation, the young man's lifetime income can be expected is about 200 million. so young could have engaged in some high-risk investment, because they bear the risks stronger.
Zhang Jingdong: The key is to pass the financial means to put money into the money now. Young people coming for a long period, it indicates that future income may be a lot, but now there is a situation in China Many elderly people prefer to engage in high risk investments, such as stock investment.
Li Nan: The financial instruments lifetime of happiness can be smooth, when young, especially go out for fun, but it is money. a bunch of old time money, but not run, and then how to do?
Zhiwu: In order to change this situation, to use some lending products, as well as other financial products to try to equalize the income of a lifetime, which would allow money to young more, After the old money to less, but bring the total result is a lifetime of happiness for every person to a new level. different financial products in addition to providing buy a house, buying a car outside of these options, in terms of business that can also have some room for flexibility.
Zhang Jingdong: In practice, the biggest obstacle is an environmental issue, which is now able to provide the number of financial instruments does too little, very little variety.
Li Nan: Professor Chen has two daughters, are you willing to let your daughter marry a to choose their own, I will not go according to my preferences upon them. but married to a slave is not a bad room. in the United States study found that, with mortgage loans to buy houses or cars of Americans a better financial discipline , more self-discipline, because the first month, save enough money to pay off for months. slowly these people develop a good financial management and program spending habits.
Li Nan: the traditional concept of consumption should be change, there should be a whole community with the support of the environment, such as the legal environment with the system environment, from investment-led to consumption-led growth, is that right?
Zhiwu: If a young person to buy mortgage loans by room or a car, then buy better clothes, live more comfortable, his work will be more confident when he went to talk business, the opportunities and income, and are talking about the probability of success of the project, etc., will changed significantly, you can have a huge positive impact on his future might make more money.
If the money of their own human capital as an investment, you will find that it is not purely sense of consumption, because consumption is itself an investment.
Li Nan: A couple of days ago, this news is the film production company Huayi Brothers to market, some stars are shareholders, such as Huang Xiaoming, Li Bingbing, etc. Huang Xiaoming is said to spend 180 million last year bought a stake in a listed this year by price-earnings ratio of a calculation, a conservative estimated value of 19 million yuan.
Zhang Jingdong: If the stock can rise to 50 yuan per share, then that is 90 million 180 million dollars. because it's issue price is quite high.
Zhiwu: I recently mentioned a concept two years, is now should be ;. It is best to go into business, and then start the company's future earnings is very good, the company's equity value can be high. equity into income in future years discounted infinite machine,bailey UGG boots, which with the traditional shares of listed companies.
Zhiwu: If a company is very optimistic about future growth and want to share those growth opportunities, a way is to buy shares of this company, but it must be stated and stressed that , the secondary market equity type of investment is not necessarily to buy the stock on the secondary market, but their running a business, then business can sell the stock into, by the market investment vehicles, the use of new equity markets business opportunities or business models to achieve wealth growth.
Li Nan: In fact, we need a concept, is not only able to use existing financial tools to make their lives this happiness, and should also be able to master the back of life The financial logic, to know how to change our financial life, what will the benefits we provide and help. Finally, would like to ask two, how about this tool, and through financial means to enhance people's sense of happiness?
Chen Zhiwu : The best is based on their future income and career judge, where appropriate and when necessary, I can safely use these different modern financial products, including mortgage loans and car loans, so that my life today can be get some increase, rather than wait until I'm old to go back when a very large to enjoy life, in that case, in fact, make your life a whole is not so happy.
Zhang Jingdong: the first positive or living within our means, of course,cheap UGG boots, have to consider income
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