视野的一部分局限性

自己相对而言还是受过高等教育的精英阶层,虽然我很讨厌和杜绝精英思维。在这个前提下,我在朋友圈和身边朋友中时常会听到一些关于中国当下时局和政策的讨论。我觉得绝大部分人都是从自己的立场考虑和评价问题,其实是人之常情但是并不全面的反映出问题。 举个例子,可能有些人对国内的言论控制有些微词,这是正常的,应该反映。但是常常他们在论证的过程中会说老百姓需要的事实而不是政府的舆论宣传,老百姓有明辨是非的能力,这里可能是把自己的立场和眼界推广到了全体老百姓身上:有两点误差,第一个是很多普通老百姓关注的也许是生技问题,民生问题,社会稳定。而很多精英阶层对上层建筑里的话语权看的更重。第二个是,社会管理是个系统性问题,也有主次。其实如果我们的党是从绝大多数人民群众的利益出发,那么确实应该优先满足普通老百姓的诉求,似乎在言论自由上就要做出一部分牺牲。 如果从执政者和国家角度考虑全局的话,除了统治阶级以外,在非统治阶级的精英阶层,一个是吃穿不愁,而是很多都留有各种退路,也许都不能跟国家共患难。过于从这个角度也可以看出国家在照顾多数人利益上的取舍。 总之,这是个自我提醒:在分析问题的时候,要关注自己的立场和身份,同时要对全局有更清楚的了解。除此以外,要对国家的执政方式和政策更好的把握,以更全面的视野来看待和思考问题,克服局限性。

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论变化和动态平衡

读许倬云《说中国》也在不断强调在变化的世界中寻找动态平衡以及共同体。 而在其他文章中也反复看到类似观点:强调世界变化的速度远远超过过去百年的演变速度。究其原因,一点是信息获取成本很低,对称性变高,另外一点是生产力的提高使得事物发展迭代速度加快。我觉得对我们这代人的要求就是一定要克服从历史验证未来的依赖性,更加主动的发现当前的趋势,总结规律,快速行动。另外一个映射是在股市上,明显很多量化回测效果不好,我觉得一个原因就是underlying factor and driver不停变化,过去factor的有效性变差了。

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Virtual Communication Essentials

Improve your virtual presence: Gesture and facial expression account 55% of your communication -> You have to be mindful when in virtual. Frame your self on the camera, your camera angle, your unconscious behavior (say touch your face) are important parts of your virtual presence. Record yourself pausing -> you have your internal meters which […]

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Market Recap 6/8/2020

美联储放水,资金涌进优质资产(目前也就美股和credit了。。。)portfolio从growth往value转,两者导致美股上扬,有点不合逻辑但是也没办法。 之后美联储打光子弹之后时常会怎么走呢?crash么?cash?黄金怎么动? 目前企业和个人的leverage都比较高,如果这种pre spending可以compensate by future rebound,那就是个很好的策略,如果不可以的话,那就会引起市场的concern 和 crash。 比如周四,因为美国reopen导致很多州的疫情反复,市场有concern。

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My takeaways from JPMC Annual Report 2019

The original article: https://reports.jpmorganchase.com/investor-relations/2019/ar-ceo-letters.htm My takeaways: Clients come first, employees are second, the next is community, then investor. If you look at the key highlights from the annual report, Jamie emphasize JPM is always a customer driven company and putting customers as the top priority. DEALING WITH AN EXTRAORDINARY CRISIS We go to extraordinary lengths […]

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Fintech Research: Capital Market

Stock Exchange Members Exchange (MEMX) is a member-owned exchange formed by a consortium with the vision to improve equity markets for all participants with the aims to increase price competition in the exchange landscape, an issue that has arisen as a result of industry consolidation. CEO: Jonathan Kellner Strategic Value: MEMX aspires to be an additional venue […]

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Fintech Research Overview

What is in Fintech Early VC and big financial corporate hold different perspective when making fintech investment. Early VC looks more on 1) digital banking, 2) insurance, 3) small business while financial institution put more weight on 1) capital market, 2) financial software service, 3) BAAS VC-backed startup and corporate-backed startup are two different ecosystem […]

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Fintech Research: SMB

TREATURY SMB AP Automation Highradius is a Fintech enterprise Software-as-a-Service (SaaS) company which leverages Artificial Intelligence-based Autonomous Systems to help companies automate Accounts Receivable and Treasury processes. Tipalti is an accounting software financial technology business that provides consolidated accounts payable and remittance automation services for businesses needing to pay their global suppliers. Stampli is an AP automation platform […]

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10 UK Insurtech Startups Review

AnorakAnorak is building an automated life insurance advice platform and APIs, which will be integrated by distribution partners. The solutions are powered by data science and machine learning to give people access to tailored advice based on their unique needs about life and their risks. The company was founded in 2017 by David Vanek, CEO, and […]

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