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陈志武:真正的学术研究是基于数据来说话的,而不是瞎扯

2020-01-08 来源 :公益时报  作者 : 文梅



10YUE10RIZHI12RI,2019ZHONGGUOPUHUIJINRONGGUOJILUNTANZAIBEIJINGJUXING。ZHUMINGJINGJIXUEJIACHENZHIWUZUOWEIYUREYANJIANGJIABINCHUXIBENCILUNTAN。

深圳襄阳网上炒股 10YUE10RI,LUNTANZHUBANFANGZHONGGUOPUHUIJINRONGYANJIUYUANYAOQINGBAOKUO《GONGYISHIBAO》ZAINEIDESHIYUJIAMEITI,ZAIWEIYUZHONGGUANCUNDAJIE59HAODEWENHUADASHADUICHENZHIWUJINXINGLEZHUANTIFANGWEN。

DAYUESHANGWUSHIDIAN,SHENZHESHENSEXIZHUANG、DANLANSECHENSHANDECHENZHIWUZOUJINLEHUIYISHI,TAMIANDAIXIAORONG,NEILIANWENHE,KANDAOCENGYOUGUOGONGZUOJIAOJIDEJIZHEHUIZHUDONGDIANTOUDAZHAOHU。GONGZUORENYUANWENTAHEDIANSHENME,TAXIANGLEXIANGSHUO:“YIBEILVCHA。”

深圳襄阳网上炒股 FANGWENHENKUAIZHIQIEZHUTI。JIZHEWENDEXILIGANCUI,CHENZHIWUDADEHANXUJIEZHI。

CHENZHIWUDUIPUHUIJINRONGDEYANJIUYOUSHENDUERQIEJIEDIQI,ZUOWEIYIGECENGZHANGQIRENJIAOYUYELUDAXUEDEJINRONGXUEJIAOSHOU,TAZENYANGJIANLIZIJIZAIZHEIYANGYIGELINGYUDELILUNTIXI,BINGSHIXIANRENZHIJIEGOUDEGENGDIE,TADEXUESHUJICHUYUANZIHECHU,YANJIUYANGBENDEXINXIHUOQUQUDAOSHIZENYANGDE?ZHEISHI《GONGYISHIBAO》JIZHESHOUXIANGUANXINDEYIXILIEWENTI。

CHENZHIWUQIAHAOJIUZUOZAI《GONGYISHIBAO》JIZHEDUIMIAN。TINGDAOZHEIGEWENTI,TAXIAOLEQILAI,SHUO“ZHEIGEWENTIMANHAODE”。CHENZHIWUGAOSUJIZHE,ZAIPUHUIJINRONGLINGYU,TADEYANJIUTIXIDERENZHIHEJIANLIGENGDUODESHIJIYUZIJIDEXINGQU,BUDUANDIGENJUZIJIDEXINGQUQUFAXIANHETANSUO。“WOZAIHUNANNONGCUNCHUSHENG、ZHANGDA,SUOYIDUIWOLAISHUO,LEJIEZHONGGUOMEIYIGEPUTONGRENDESHENGHUOBUSHINEIMEMOSHENGDESHIQING,ZHONGGUORENWEISHENMEYOUZHEIYANGNEIYANGDEYIXIEXISU、XIGUANHEWENHUAJIAZHIGUAN,BEIHOUDEYUANYINDAODISHISHENME,ZHEIXIESHIRANGWOBUDUANQUQUYANG、QUTANXUNDEYIGEJIBENDESUCAILAIYUAN。”CHENZHIWUSHUO。

深圳襄阳网上炒股 “ZHENZHENGDEXUESHUYANJIUSHIJIYUSHUJULAISHUOHUADE,ERBUSHIXIACHE。”SHUODAOZIWOJIUCUO,CHENZHIWURENWEIZUIHOUHAISHIYAOKAOSHUJULAISHUOHUA。ZAITAKANLAI,YONGLIANGHUADEFANGFAYANJIULISHIHEWENHUA,YIGEZHONGYAODEQIANTIJIUSHIJIYURENLEIBUTONGSHEHUIDEZHENSHISHUJULAIZHAODAODUIYINGDEYANJIUWENTIDEDAAN,ERFEIGENJUZIJIDEYISHIXINGTAIHUOXIANRUWEIZHUDEPANDUANQUZUO。

CHENZHIWUXIANGJIZHETOULU,GUOQUSHIJINIANLAIZIJITOURUDALIANGSHIJIANHEJINGLIDE《WENMINGDELUOJI》YISHUDESHUGAO,YEXUWEILAILIUGEYUEKEYIWANCHENG。ZHEIBENSHUCANKAOLERUOGANGUONEIWAIWENXIAN,ZONGHELEDUOGEGUOJIAXUEZHEDEYANJIUCHENGGUO,ZUIZHONGHUIXIANGRENMENJIESHIJINRONGHEPUTONGLAOBAIXINGSHENGHUOZHIJIANDEGUANXI。

WEILETUIGUANGJINRONGTONGSHIJIAOYU,CHENZHIWUZHEIJINIANHAIZAIHULIANWANGSHANGKAISHELEYINPINKECHENG,YONGPUTONGRENYEKEYITINGDONGLIJIEDECHANSHIFANGSHIQIMENGJINRONGZHISHI,HENSHOUHUANYING。DANTAYETANCHENG,“JINRONGTONGSHIDEPUJIRENWUHENJIANJU,ZHEITIAODAOLUYEHENMANZHANG”。

YIXIAWEIMEITIFANGWENCHENZHIWUDENEIRONGSHULI。

访谈

问:您出于什么考虑选择“金融如何解放婚姻”作为此次演讲的主题之一?

CHENZHIWU:SHOUXIANFEICHANGGANXIEBEIDUOGUANGLAOSHI(PUHUIJINRONGYANJIUYUANYUANZHANG)HEPUHUIJINRONGYANJIUYUANZUZHIZHEICIHUODONG。QISHIJIUZHEIXIEHUATI,WOYANJIUHESIKAOYEMANDUONIANLE。2002NIANZUOYOU,WOJIUKAISHIXIANGYIGEHENJUTIDEWENTI,JI“JINRONG”DOUSHINEIXIEZHIYERENSHI、GAODUANRENSHIGUANXINDEGAODASHANGHUATI,HAOXIANGGENDADUOSHULAOBAIXINGMEISHENMEGUANXI。WOJIUXIANG,ZENYANGBAZHEIMEGAOSHENDEHUATIJINLIANGDIGENPUTONGLAOBAIXINGDESHENGHUOJIANLIGUANXI,NENGGOUGENGJIEDIQI。

深圳襄阳网上炒股 YOUYITIANXIANGDAO“YANGZIFANGLAO”HUATI,TURANJIANYANJINGYILIANG——“YANGZIFANGLAO”GENWOMENYANJIUDEJINRONGZHENGQUAN、SUIJIBIANLIANGYOUZHIJIEDEGUANXI,TEBIESHIYUHUNYIN、JIATINGDEFAZHANBIANHUAJINMIXIANGGUAN。ZHEIXIENIANZHONGGUO“SHENGNAN”、“SHENGNV”DESHULIANGHELIHUNLVBUDUANSHANGSHENG,SHEHUIBIANHUAFEICHANGDA。NEIMEWOJIUYAOSIKAO,ZHEIXIEBIANHUAGENJINRONGYOUSHENMEGUANXI?QIBEIHOUGENJINRONGSHICHANGDEFAZHANFADABUFADAYOUYOUSHENMEGUANXI?QISHIERZHEGUANXISHIFEICHANGDADE。

SHOUXIAN,ZAIRENLEILISHIDEZHENGGEYANBIANGUOCHENGZHONG,HUNYINDEFAMINGHEFAZHANDOUGENLIYI、GUIBIFENGXIANSHIJINMILIANJIEDE,MUDEZAIYUJIEJUEWEILAISHENGHUODESHENGLAOBINGSIDENGBUQUEDINGXINGTIAOZHAN。JINTIANHUIYOUBAOXIAN、JIEDAICHANPIN、YANGLAOJIJINDENGJINRONGCHANPINLAIJIEJUELEISIDEWENTI,DANZUIZAOMEIYOUJINRONG,RENLEISHEHUIZENMEJIEJUEFENGXIANTIAOZHANNI?KEYISHUO,RENLEIZHAODAODEDAANSHIMANCONGMINGDE,JIUSHIHUNYIN。YINWEIHUNYINBENLAIJIUSHIYIZHONGJIAOYI,TAKEYIBAOZHANGWEILAILIANGJIARENBUGUANFASHENGSHENMESHIQING,DOUNENGGOUYOUFENGXIANBAOZHANG,DOUNENGGOUYOUHENHAODEJIHUI、HENHAODEHUANJINGQUANXINDISHENGHUO。

深圳襄阳网上炒股 DANFANGUOLAIKAN,JINTIANYOULEJINRONGSHICHANGYIHOU,JINRONGJIEFANGLEHUNYIN,YINWEIJINRONGSHICHANGYUELAIYUEFADA,YUANLAITONGGUOHUNYINLAIWANCHENGGUIBIFENGXIANDENEIXIEGONGNENG,XIANZAIYOUJINRONGSHICHANGQUERDAIZHI。JIUXIANGBANVERWAIJIAHENYUANLAIDADAOGUIBIFENGXIANDEANPAI,XIANZAIYONGBUZHEZHEIYANGLE,TONGGUOMAIBAOXIANJIUKEYIWANCHENG。YIHOUTONGGUOBAOXIANGONGSIKUADIQUSHENZHIKUAGUOMAITONGLEIBAOXIANCHANPIN,BITONGGUOHUNYINLAIDADAOKUADIQUDEXIAOGUOYAOHAOHENDUOHENDUO,ERQIEYEKEYIJIEFANGHUNYIN,YOUYUANLAIBAOBANHUNYINBIANWEIZIYOULIANAIDEHUNYIN。

YIMEIGUOWEILI——SHANGSHIJI60NIANDAICHU,MEIGUOCHENGNIANRENDAGAI24%ZUOYOUSHIDANSHEN。DAYUESHIDUONIANQIANDEWENJUANDIAOCHAXIANSHI,MEIGUO18SUIYISHANGCHENGNIANRENLI48%SHIDANSHEN。DUANDUAN40NIANSHIJIANLI,XIANZAIMEIGUOCHENGNIANRENLIYIBANDERENXUANZELEDUZISHENGHUO。BUJINMEIGUOZHEIYANG,BEIOUGUOJIAYEZHEIYANG,DANSHENRENKOUZHANBITIGAOZHICHABUDUO50%,XIANZAIGUJIYINGGAICHAOGUO50%,NVXINGKENENGYESHIZHANBIHENGAODE。LINGWAIYIGEBIANHUASHIDANQINMUQINSHENGDEXIAOHAIZHANBI,SHINIANYIQIANMEIGUOSHI40%+,RUIDIANSHI56%,MUQIANZHONGGUODEZHANBIYEZAISHANGSHENG。

深圳襄阳网上炒股 YUANYINTONGYANGSHIJIYUJINRONG。YUANLAIYINWEIMEIYOUJINRONG,DAJIADUIWEILAIDESHENGHUOBAOZHANGHENDANXIN,SUOYIBUDEBUQUJIEHUN,TONGGUOJIEHUNLAIJIEJUEZHEIXIEWENTI,RANGHUNYINDELIANGFANGHELIANGGEQINJIAHUTONGYOUWU。JINRONGCHANSHENGYIHOU,MEIYOUAIQING、MEIYOUGANQINGDELIANGXINGGUANXIZUIHOUBUHUIXUANZEJIEHUN,YUANLAIBUYONGXIANGNEIMEDUOGANQINGBUGANQING,ZHISHIWEILEYIZHONGSHISHIZAIZAIDE、SHENGLAOBINGSIDESHENGHUOBAOZHANG,SUIBIANJIEHUNCHENGJIAJIUXINGLE,JIZIJIJIJIATINGYIGEJIAODAI。DANXIANZAIJINRONGFAZHANXINGTAIHEGUIMOZAIBUTONGDESHEHUICHABIEHENDA,ZOUZAIQIANMIANDESHEHUIJIUBIJIAOZAODIZOUSHANGLEHUNYINJUECEZHONGAIQINGCHANGZHUJIAODEZHUANGTAI。

问:您谈普惠金融跟婚姻解放之间的逻辑关系是怎么来的?

深圳襄阳网上炒股 CHENZHIWU:BUGUANSHIYOUQIANRENHAISHIPUTONGLAOBAIXING,GENRENHEYIGERENSHENGHUOZUITIEJINDESHIQINGJIUSHIHUNYIN,GENSHEIJIEHUN,JIYUSHENMEYINSUJUEDINGGENSHEIJIEHUN,ZHEISHISHEJIDAOMEIGERENYIBEIZIDESHIQING,JIUSHIMEITIANGENSHEISHUIJUE、GENSHEISHENGHAIZI、YANGLAODENG,DUIMEIYIGEPUTONGRENLAISHUO,ZHEIDOUSHIZUIHEXINDESHIQING。RUGUOSHUO,JINRONGBENSHENDEFADAHEBUFADAHUIZHIJIEYINGXIANGDAOMEIYIGERENDUIHUNYINDEJUECE,NEIME,SHENMEYANGDEYINSUHUIDUIHUNYINJUECEFAHUIZUOYONG?RUGUOXIANSHIZHONGJINRONGDUIYUZHEIXIEWENTIDOUYOUHENDAYINGXIANGDEHUA,ZAIWOKANLAIJINRONGPUHUIDAOZHEIGECHENGDUJIUMEIBANFAGENGPUHUILE。CONGZHEIGEYIYISHANGLAISHUO,JINRONGPUHUIXINGKENDINGSHIYIGEWEIDU,JIJINRONGDESHENTOUMIAN、SHEJIMIANYOUDUOGUANG。ZHEILIBINGFEISHIHENDUORENRENWEIDE“JINRONGZHIGENYOUQIANRENYOUGUANXI”,ZHIGENALIJITUAN、TENGXUNDENGNEIXIEDAGONGSIYOUGUANXI。WODESIKAOLUOJIDAZHISHICONGZHEIGEJIAODULAILIANXIDE。JINRONGDUIHUNYINDOUYOURUCIDADEYINGXIANG,JIUBUNANKANCHUJINRONGPUHUIXINGYOUDUOSHEN、DUOQIANG、DUOGUANG。

问:您怎么看中国现在普惠金融方面强调国有银行主导现象?普惠金融到底应该是哪类机构担任主力军?

深圳襄阳网上炒股 CHENZHIWU:QISHIYOUYIGEJIBENDEPANDUANSHIHENMINGXIANDE——ZHIYAORENHEYIGELINGYUYAOJIAQIANGGUANZHI,ZHIYAONEIGELINGYUYOUYOUGUOQI、YOUYOUMINQI,JIAQIANGGUANZHIDEJIEGUOKENDINGSHIGUOQIZHUADAODEKONGJIANHUIYUELAIYUEDA,MINQISHIBEIJIDIAODE。

SUIZHEXIANZAIPUHUIJINRONGJIANGUANHUSHENGYUELAIYUEDUO,YEYUELAIYUEYAN,JIUBIRANHUIRANGGUOQIDEKONGJIANBUDUANKUODA,MINQIDEKONGJIANHUIYUELAIYUEXIAO。JINGUANCONGBENZHISHANGLAISHUO,PUHUIJINRONGGENGYINGGAISHIMINYINGQIYEQUZUODESHIQING。XIANZAIGUOYOUJINRONGJIGOUGENGSHIHEWEIYIXIEDADEGUOQI,BAOKUODIFANGGUOQIHEDIFANGZHENGFUTIGONGFUWU,DANMUQIANXIANSHIQINGKUANGSHI,“XIAOWEIRUO”QUNTISHULIANGSHIHENDADE,ZAICAOGENCENGMIANZUOQILAIDEMINYINGJINRONGJIGOUGENGJUBEIYIXIANZHISHIHEJICENGXINXI,SUOYITAMENNENGGOUGENGYOUZHENDUIXINGDISHEJIXIANGYINGDEJINRONGCHANPIN,ZHEIXIECHANPINGENGSHIHEYU“XIAOWEIRUO”GETI,WEITAMENTIGONGGENGTIEQIEDEJINRONGFUWU。

问:可能用不了多久,“养老”也会成为中国普惠金融的重要话题,我们应怎样从一个预先设计的角度来管理养老金融?

CHENZHIWU:ZHEISHIYIGEHENDADEXITONGGONGCHENG,WOMENZHEIYIBEIDEFUMUYUANLAISHENGHUOZAIJIHUAJINGJIZHIXIA,BENLAIZHIWANGKAOGUOJIABANGTAMENYANGLAODE,HOULAIDAOLETAMENTUIXIUZHIQIANSHUOGUOJIABUGUANLE,JINRONGSHICHANGYOUMEINENGGENSHANGLAI,SHICHANGHUADEYANGLAOCHANPINMEIYOUCHENGXING,NEISHIHOUTAMENZIJIYEMEIYOUNEIMEDUODESHOURU,NEITAMENKAOSHEINI?NEIWEIYIDEXUANZEZHINENGSHIERNVLE。

深圳襄阳网上炒股 DAOLEWOMENZHEIYIDAIREN,JIUKENENGSHIGUODUQI——WOMENZIJIDEZINVKENENGSHIKAOBUZHUDE,DANWOMENDEFUMUYOUZHINENGKAOWOMEN,ZHEIYANGYILAI,WOMENDEZINVYIBEIXIANGDUIBIJIAOQINGSONGYIDIAN,YINWEIYOUHENDUORENSHICHUSHENGZAIGAIGEKAIFANGQIJIAN,ZHEIDUANSHIJIANCAIFUHESHOURUDOUZENGJIALE,DAJIAHUIYOUYISHIDIQUZUOYIXIEYANGLAOFANGMIANDETOUZILICAI,SHENZHIYUBAOXIANDEANPAI。WOMENZHEIYIDAI、HUOSHAONIANQINGDEYIDAIRENDOUZAIZUOZIJIDEANPAI,DANSHIGENGGUANGFANDEZHONGGUOSHEHUIDANGXIAQUESHIDOUBIXUMIANDUIZHEIGETIAOZHAN,ZHENGFUYEZAIZUOYIXIENULI。

XIANZAIERSHIJISUI、SANSHIJISUI、SISHIJISUIDERENHAILAIDEJIJINLIANGLIYONGYIXIESHICHANGHUADEYANGLAOJIJIN、LICAICHANPIN,HAIYOUYIXIEBAOXIANGONGSITIGONGDECHANPIN,WOFAXIANYOUYIXIEBAOXIANCHANPINHAISHIBIJIAOHAODE,TEBIESHIRENSHOUNIANJINYILEIDE,ZHISHAOWOZHIDAOZAIXIANGGANGHAODUOZHEILEIBAOXIANGONGSI,ZHIYAONIDESHOURUZUGOUGAODEHUA,BIRUJIAO20WANYUANMEIJIN,YICIFUKUANHUOFENJICIFUKUAN,ZAITOUBAORENLISHIZHIQIAN,MEINIANZHISHAOKEYINADAOSHANGQIANMEIYUANHUOYILIANGWANMEIYUANDERENSHOUNIANJINSHOURU,ZHEIYANGYILAI,JIUNENGJIAOHAODEBAOZHENGFUQISHUANGFANGLISHIZHIQIANDESHENGHUO。

XIANZAIJIAODEBAOFEIKEYIBAOZHENGMEINIANYOUYIXIEGUDINGSHOURU,YIZHEIZHONGFANGSHILAIDADAOSHICHANGHUAYANGLAO,ZAIJIASHANGGUONEIYIXIETUIXIUJINHEZHENGFUTIGONGDE“WUXIANYIJIN”LIZHISHAOYOUYIBUFENSHIGENSHEBAOYOUGUANDE,DAOZUIHOUYIZHEIZHONGFANGSHIZUOYANGLAOANPAI,KEYIJIZIJIGENGDADEZHUDONGXING,ERBUSHIBEIDONGDIYILAIZINV。

深圳襄阳网上炒股 DANGRAN,HENDUOZHONGGUORENDEGUANNIANYEYAOZUOYIXIEDIAOZHENG,BUYAOZONGJUEDEWOYOUZINV,BUKAOTAMENKAOSHEI,ERSHIYAOYISHIDAO,RUGUONIZHENAIZIJIDEERNV,JIUYINGGAIJINZUIDADENULI,RANGZIJIBUYAOZAICAILISHANG、JINGJISHANGBIANCHENGTAMENDEFUDAN,BAOKUOJINGSHENSHANG。

问:您对解决普惠金融“最后一公里”难题有什么建议?

CHENZHIWU:“ZUIHOUYIGONGLI”,XIANZAIDAJIADOUQIANGDIAODASHUJU,ZHEIZHENDESHICHULUZHIYI。DANDAOZUIHOU,WOJUEDEWOMENYEYAOJIESHOUYIGEXIANSHI——“ZUIHOUYIGONGLI”ZONGSHIHENNANJIEJUEDE,YINWEIZHIYAOZUOJINRONGJIAOYIDESHUANGFANGSHILIANGGEHUODUOGEBUTONGDEREN,XINXIBUDUICHENGJIUSHIKEGUANCUNZAI,BUKENENGJIANGDAOLING。ZHIYAOSHIXINXIBUDUICHENGHAICUNZAI,BUTONGDERENSHIJIAOYIZHUTIZHONGDECANYUZHE,NEIMEQIZHA、XINGPIANZONGSHIYOUKONGJIANDE。JINGUANWOMENCONGZHIDUSHEJI、JIANGUANJIAGOUDESHEJIJIAODULAIJIANG,JINKENENGBAQIZHAKONGJIANBIANDEGENGXIAO,BAQIZHADEGAILVJIHUIJINKENENGJIANGDI,DANSHIZUIHOUMEIBANFAJIANGDAOLING。SUOYIJINRONGJIAOYI“ZUIHOUYIGONGLI”ZENYANGZUO,TIAOZHANCAIHUIGENGXIAOYIXIE,DANGRANZHIDETANTAO,DANYAOWANQUANKEFUZHEIGETIAOZHANSHIMANNANDE。ZHEIJIUSHIWEISHENMEXIANZAINEIMEDUODERENDOUAISHUODASHUJU,TEBIESHIMAYUNJIANG“DASHUJUKEYIJIEJUESUOYOUDEWENTI”,ZHEISHIDUIYURENXINGDEBENZHIQUEFAGENBENDELEJIE,CAIKENENGHUIYOUDEYIGEJIELUN,ZHENZHENGLEJIERENXINGDERENDOUHUIZHIDAO,“ZUIHOUYIGONGLI”WANQUANJIEJUEHAOSHIHENNANHENNANDE。

问:这几年您做了很多通识教育,能否谈谈怎样提升普惠金融对象的知识和能力,及其理念的平衡?

CHENZHIWU:JINRONGTONGSHIJIAOYUWENTISHIZHANGQIDETIAOZHAN。JUTIJULILAIJIANG,YUEGONGDAODISHIHAOSHIHAISHIHUAISHI?WULUNSHIZUOFUMUDE,HAISHIJIANGUANBUMENDEREN,DOUHUIJUEDEYUEGONGRANGRENMEITIANSHENGHUOZAIYALIZHIXIA,ZENMEHUISHIHAOSHINI?TAMENZUOCHUZHEIGEPANDUANSHI,BINGMEIYOUXIANGDAOQISHIYIDINGDEYUEGONGBINGFEIHUAISHI,ZHISHAOKEYIRANGNIANQINGRENMANMANPEIYANGCHUCAIWURENZHIHEJILV。FUZERENDEJINRONGBUSHIKAOLAOSHIJIAOCHULAIDE,ZHEIYESHIJIAOBUCHULAIDE。RUGUONIYIWEIDIZHISHICONGDAODELUNLIDEJIAODUQUJIANG,DAJIASHIDOUHUITING,DANJUTIZUODESHIHOUNENGBUNENGZUODAO,ZHEISHILINGWAIYIHUISHI。

深圳襄阳网上炒股 WOTAITAIJIUSHUO:“LIANGGENVERYOUDIANYUEGONGBUSHIHUAISHI,RANGTAMENTIQIANZHUNBEIHAOXIAGEYUESHOURUDUOSHAOQIAN,GAIZENMEHUA,SHIXIANYOUYIGEGUIHUA,FOUZEGAIFUYUEGONGSHIMEIYOUQIANJIUFUBULE。”CONGZHEIGECENGMIANLAIKAN,RIFUYIRI、NIANFUYINIANZHEIYANG,ZONGSHIYOUYUEGONGTIAOZHANDEHUA,HENKUAIJIUKEYIRANGNIANQINGRENMANMANYANGCHENGCAIWUHEJINRONGFANGMIANDEYISHIHEXIGUAN,CONGERGENGJIADULIHEZILI。

DANGRAN,CHUANTONGGUANNIANDEGUANXINGHENQIANG,DUANQINEIYILIANGTIANJIUWANQUANGAIBIANDIAOBUDAXIANSHI,DANWOHAISHIHUIJUEDE,BUGUANZENMEYANG,HAISHIYAOBUDUANCONGBUTONGJIAODUQUSHUO、QUJIESHI,YEXU100WANGERENTINGLEYIHOU,YOU20WANRENZUIHOUBEIJIFALEQUSIKAO,YEXUZHEI20WANRENKEYIZAIGAIBIANZISHENGUANNIANDETONGSHI,YEKEYIYINGXIANGHESHUOFUQITARENDEGUANNIAN。RUCIJIANCHI10NIAN、20NIAN,ZONGSHIYOUBUTONGDEJINRONGXUEJIAOSHOU、JINGJIXUEJIAOSHOUZUOZHEIYANGDETUIDONGGONGZUO,DAOZUIHOUZHENGGESHEHUIDUIJINRONGDEKANFAYEHUIBIANDEGENGJIALIXING。GUANYUJINRONGGUANNIANFANGMIANDEWENTI,JUECECENGHENDUOGUANYUANYAOZUODIAOZHENGSHIHENZHONGYAODE。SUOYIJINRONGTONGSHIDEPUJIRENWUHENJIANJU,ZHEITIAODAOLUYEHENMANZHANG。