In a sense, it can be said that all walks of life in the national economy have been deeply affected, and behind them is an invisible network of various financial industry institutions everywhere. The positive role that the financial industry should play by nature has not been seen to play much of a role. It is more in the name of investment, but in fact it is constantly speculating, absorbing the blood and sweat of all walks of life in the national economy. I estimate that there may be many people in the financial industry who, from the perspective of their own interests, would come out to comfort me. It doesn’t matter! I am too lazy to argue. The Prime Minister once said that it is more difficult to touch interests than to touch souls. This is the fact.

How to look at this? In fact, in the socio-economic and industrial structure, the financial industry is the one that should be thoroughly rectified. Many institutions are rentier groups that exploit the hard work of the people, and even more so the national economy. of parasites and tumors. The driving force behind the speculation and push-up of housing prices is the chaos in many financial industries. It is also these financial industry institutions that are cutting off the money of investors in the stock market and engaging in various speculations in the name of investment. The second round of liberalization Usury shadow banking has kept the national debt ratio high, and it is also the result of many financial industries behind the scenes. Some time ago, the He N Cai Town Bank's 40 billion incident, which affected thousands of households, and the wave of loan suspensions for unfinished buildings, how did it all come about? Do you still remember Huarong Lai Xiaomin?

To be honest, we shout about SHZY, ***tongfu, secondary distribution, etc. every day. If we want to achieve real practical results, we have to fundamentally attack the financial industry. Reform, because behind many financial industries in China are all kinds of "capital" that eats people without spitting out their bones. What is the nature of capital? Nowadays, ordinary people, even if they have not been educated in textbooks, have already experienced personal pain and profound experience in real social life. I think most people don't get to the point on this matter. I am not in the financial industry. I used to be a coder at a major Internet company, and then I worked in a monopolistic state-owned enterprise. I know a friend from the investment banking department of a large state-owned bank, so I have some knowledge and understanding of several industries.

First of all, I think the point that many people are uproar about is that in many industries, even for large Internet companies, if you want an annual salary of more than one million, you can't just be a soldier and general, at least at the level of technical director, team leader Unless the group you are in is particularly profitable, such as the game department, and the games it develops become popular again. Otherwise, it would not be easy to earn a million a year. Therefore, even if the track is the most popular among the public, you have to manage people in the 30s and 50s to have a chance to earn millions a year. Not to mention that in many companies, even if they are senior executives and manage hundreds of employees, they may not have millions in income. So why a trader. You can have an annual salary of one million.

Maybe these people are from Tsinghua University, Peking University and Fudan University, but how much wealth have these people created for society? You said that scientific and technological innovations and inventions by scientists have a great role in promoting society. This is understandable, and there are not many scientists with an annual salary of one million, and it is no longer a problem at the level of Tsinghua and Peking University.

In the final analysis, the problem lies in the moat and salary marketization, so the financial industry, especially high-end positions, have very high incomes. Many people may not understand the concept of moat + salary marketization. The financial industry has a moat. You can't just recruit a few people to help people go public and issue bonds to raise funds. This is not a problem of your lack of ability, but that your company must have the corresponding license to do the corresponding business. The issuance of licenses is not something you can apply for casually. Small securities companies do not have all the licenses, but large securities companies have more complete licenses and can do a more comprehensive and extensive business. Of course, there are many industries and companies with moats in China, such as oil, power grids, operators, etc. However, although these industries have moats, they do not have the concept of salary marketization. The state imposes salary restrictions on these industries. Let’s talk about operators. In fact, the income of many operators 20 years ago was similar to what it is now.

You think these industries are broken, but in fact people in these industries do not earn much because the state limits prices and total salary. If there were no national restrictions, their monopoly position would allow them to charge two or three times more than they are now. If there were no salary restrictions on employee income, how could there be so much outsourcing? If you can do it yourself, do it yourself and keep the money for yourself. earn. You can imagine how terrible the income of operator employees was 20 years ago when there were no national salary limits. There is also a meter reader for a power company. In the early 2000s, what was his annual salary of 100,000? In fact, there are many industries with moats in China. In addition to what I just mentioned, hospitals, schools, construction, highways, and military industries are all . To put it bluntly, it doesn’t mean that if you have money, you can just find someone to invest and you can start such a business. But there is always a problem: there is no marketization. This is due to the nature of our country, society itself, and the industry itself. Only the financial industry, especially the securities industry, has the characteristics of a moat and salary marketization.

Of course not except for the financial industry. , other industries with moats but lack of marketization are completely unable to make money, but usually only if you have channels and methods. So you will see how much some famous public teachers earned from training outside when the education and training industry was booming. You can see that some doctors also work part-time in some private clinics, and some university professors take on some horizontal projects to make money.

The essence of making money is to control resources, channels, and connections, and then exploit the people below or exchange benefits. You can make money by working hard. Except for a few scientists or people who are extremely top in certain fields, 99% of people cannot make money.

Making money actually has nothing to do with whether you are strong or not. Only strong ability and hard work will lead to high salary. These words are used by those in power to fool the people at the bottom, making the people at the bottom think that they are not strong enough and do not work hard enough, so they cannot make money. I think that as long as I work hard and keep learning, I can make a lot of money. Let me give you a very recent and simple example. semiconductor. The integrated circuit Q industry was very sluggish before the sanctions from the United States. After graduating from a 985 bachelor's degree, a person may only have 8k months in a first-tier city, and many people have switched careers to IT or something like that. However, after the sanctions, under the logic of domestic substitution, corporate orders increased significantly, and naturally they also offered high salaries to recruit fresh graduates. Nowadays, many can drive up to 30-40w, which is completely comparable to the Internet.

Is it because the level of integrated circuit graduates in the past was too poor and lazy, or is it that those who graduate now are too capable and work hard?