There are three cameras in the conference room, two of which are fixed, and one that can be shoulder-carried.

The oldest cameraman of Dongou TV Station stared at Qin Feng for more than half an hour with the machine, and gradually lost his physical strength, slightly distracted, and unconsciously, he turned the camera elsewhere. He first pretended to give the whole venue a dynamic panorama, and after a shot, his eyes were full of "outstanding young people" in their forties and fifties who were unappetizing. Compared with these people, standing behind the podium at this time, Qin Bancao, who has a well-proportioned body, fair skin, and delicate facial features, can be called a national-level handsome guy.

The camera turned, and the master took a few steps back in a professional posture, and then the focus was fixed on the back row, motionless, for seven or eight seconds. If it is said that in this venue, Qin Feng's appearance can be ranked at the national level, then the two girls Su Tang and Zhuge An'an are completely cosmic plane-level existences. The photographer looked at Su Tang's side face, and said in his heart that no matter how important today's meeting is, when the film is cut out and broadcast on the news in the evening, as long as there are still shots of Su Tang and Zhuge An'an can be retained, the focus of discussion in the city tomorrow will not be the enlarged meeting of the municipal party committee.

The common people don't care what the urban development plan is, the beauty is the key or not!

Qin Feng put down the half-empty mineral water bottle, and his voice came out of the speakers in the venue again.

The photographer quickly pulled the lens back, and at the same time, the corner of his eye glanced at the time in the lower corner of the machine screen, and sighed secretly: Qin Feng, this grandson, is so special that he can pull calves, this has been talked about for almost 40 minutes, and there is still no end......

Qin Feng took the microphone and entered the second half: "The Internet industry began to enter a stage of rapid development from the mid-90s of the last century, and it has been developing for 10 years this year. The large-scale entry of the Internet industry into China was about 2000, that is to say, in terms of the pace of global development, China is only 5 years behind the most developed countries in the world in the information industry. Compared with Japan and other traditional countries, the gap is not large; in addition, our domestic investment in computer software development and computer hardware foundation research is also very early, so the current new Internet era is the best time for China to catch up with and surpass the developed countries in Europe and the United States in technology, and it is also an excellent opportunity for China to participate in the next round of major reshuffle in the international capital financial market. Leaders and experts, because of their long-term work in Dongou City or Qujiang Province, they do not have a deep understanding of the development speed of the domestic Internet economy and Internet finance, but as a practitioner in the IT industry, I look at China from within our industry, and we can actually clearly see that China has now initially developed the prototype of the Internet industry.

The Yangtze River Delta region, represented by Hangzhou and Shanghai, also gathers a large number of Internet financial companies and capital exchange markets, forming a building economy and headquarters economy similar to Manhattan, and the market influence radiates across the country, and within ten years, it will gradually radiate the world, but unlike Manhattan, the endogenous driving force of our Yangtze River Delta is greater, because from the domestic point of view alone, our potential market will at least reach the volume of more than 700 million consumersThat is to say, if there is an Internet project in the future that can be the top in the country, then the users of this software will cover half of China, and this market scale advantage will be completely incomparable with other countries, which makes our Internet industry chain have the most basic market foundation for sustainable survival. Finally, there is the Guangdong River Delta region, represented by the strongest economic development momentum in recent years, the Shenzhen Special Economic Zone, the Guangdong River Delta region has an industrial cluster of computer hardware assembly, and the Guangdong River Delta has completely supported the domestic low-end computer hardware assembly industry from computer assembly to the integration of parts and resources.

So you see, from equipment and hardware architecture, to the combination of technology and projects, to the connection between capital and market, China's Internet industry, this fast lane, has basically been laid. However, 'basically finished' means that it has not yet been laid.

Looking upstream, although we already have an assembly system for hardware equipment in China, and the technology of independent software research and development is gradually developing, we are not yet self-sufficient in the supply of basic materials and basic components for smart products. Now foreign companies produce a computer, the computer processor is from the United States, the computer motherboard is from Japan, and the computer graphics card is from European countries, and then these resources are integrated by Futukang in the Taiwan Strait, transported to China, and finally through our cheap labor in Shenzhen, the assembly of the last link is completed. The lifeblood of the hardware upstream of our Internet industry is still pinched in the hands of foreign companies. Looking downstream, the main brands of computers and mobile phones on the market are from Europe, America, Japan and South Korea. The most important processor in computer hardware, represented by Intel, and the operating software represented by Microsoft's Windows system, can be said to have almost monopolized the global market, but fortunately, all we use in China are pirated copies, saving a lot of copyright fees. There is also the mobile phone market, represented by the most famous Nokia, which now creates nearly 80% of the annual GDP of Finland, where it is registered, every year, and is truly a business that feeds a country. ”

There were many city leaders in the audience who didn't know that Nokia was from Finland at all, and when they heard Qin Feng say this, they couldn't help but let out a burst of exclamation.

Qin Feng continued: "Then what do I say have to do with the future development of Dongou City? Of course, it has a lot to do with it. Let's talk about China's current Internet industry, in terms of the structure of the industrial chain, although the upstream and downstream are controlled by foreign enterprises, but in the future, it may not be that we can surpass Europe and the United States in computer hardware technology and software development technology in a short period of time, but we can completely find another way to change our industrial chain by changing the market. The key to this is to avoid the technical barriers of Europe and the United States and manufacture its own product technology chain. To put it simply, it's the smartphone I just mentioned.

Smartphones, to put it bluntly, are mobile phones and computers in one. Technically speaking, many countries in Europe, the United States and Japan already have the ability to manufacture similar products, and of course, China's top universities and high-precision instrument companies also have such capabilities. So if we take smartphones and Internet tools as a starting point, we are actually on the same starting line as all the developed countries in the world. And if we take into account the market advantage and national policy advantage, we have actually reversed, on the basis of development, ahead of the developed countries in Europe and the United States.

In terms of the development of the upstream market of smart devices, Dongou City is now in the forefront of the country.

With the support of our city leaders, Outou has cooperated with Ouyi last year to establish the Luoshan Town Optical Materials Research Center. A year ago, Outou also acquired a 15% stake in Shenzhen's Jialan Technology, which solved the problem of raw material sources, large-scale production and export channels for special glass. So now it is certain that in the next three years, most of the domestic smart phone screens, mobile phone cameras, touch screen computer screens, will be 'made-in-dongou', if done well, it can even be exported to export, and gradually from commodity export to technology and capital export, so that Southeast Asia or India to help us OEM, Dongou City is also likely to become the fourth center in the era of China's Internet industry after the Beijing Technology Center, Shanghai Capital Center, Shenzhen Hardware Assembly Center—— Raw material technology development and production processing center. ”

Chen Rong was moved.

If Qin Feng wasn't bragging, if this idea really holds, the economic and industrial pattern of Dongou City would have completely changed. And not only Dongou City, if it can really be a global leader in an industry, the economic radiation of Dongou City can at least be on an equal footing with Shenzhen, and the hat of the third child in the province who has been wearing for decades can be taken off in minutes?

"Does Dongou City have this basic condition? Can an optical materials research center alone support such a large industrial chain?" Chen Rong couldn't help but interrupt and asked.

"Yes. Qin Feng replied calmly, " Dongou City used to be the main glasses processing and production place, Ou Yi's optometry technology is the international leading, we have independent research and development capabilities in the development of optical materials, the top layer has independent research and development capabilities, which is the basis of technology and talents; there are a large number of private capital participation in the middle, abundant funds, complete production and processing chain, this is the capital and industrial base; the most downstream, we have many individuals and groups in Dongou City who have established stable trade relations with foreign enterprises, and Outou itself also has the ability to put goods abroad, which is the platform and channel basis。 Also, not only optical materials, I know that there were a total of 9 radio component factories in Dongou City, although the difference between radio components and components of intelligent products is still quite large, but in some circuit parts, the two should still have something in common. The city can completely allow these state-owned enterprises that are on the verge of bankruptcy to shift the focus of development and position the supporting parts for manufacturing intelligent equipment as a new development direction. If Dongou can master the hardware research and development technology of 2 to 3 kinds of smart devices, then the possibility that Dongou City will become the fourth largest Internet industry center in China will be very, very large. ”

After Qin Feng finished speaking, he paused and glanced at Chen Rong.

But Chen Rong frowned and did not say anything. He still felt that Qin Feng's words were a bit mysterious, or rather, they seemed too advanced.

Now not to mention the smart device industry, it is a prototype of a smart phone, which has not yet been launched. Therefore, compared with smart devices, Chen Rong feels that the concepts such as O2O and B2B that Qin Feng said before are more reliable.

Seeing that Chen Rong didn't speak, Qin Feng didn't continue to stay on this topic, he took out a USB flash drive and waved to the municipal party committee staff standing in the corner. The projection equipment in front of the venue soon fell, and the huge curtain showed a simple but not simple logical chain of subprime mortgage risk in Dongou City.

Qin Feng picked up the mineral water bottle, calmly drank the last sip of water in it, and said, "What I just said are some concepts of the Internet industry and all future ideas. Next, I would like to conclude by saying a little bit about the practical significance of the Internet industry to Dongou City. In order to more intuitively understand the current situation of Dongou City, I specially made a simple PPT, please take a look. ”

Qin Feng took the laser pointer and marked red dots on the curtain.

"We all know that the housing prices in Dongou City have been a bit high recently. Why is it high, there are three main points, first, in the past few years, the manufacturing industry in Dongou City has developed rapidly, and the economic situation is good, which has driven housing prices. Second, Dongou City's renovation of the old city has driven the vitality of the property market, and the housing prices in some areas have the inevitability of objective appreciation. These two points are actually benign growth in housing prices. The third point is non-benign growth. In the words of the common people, it is speculation in real estate, blind market movement, imbalance in regulation and control, including a small amount of commercial fraud and financial crimes, all of which have led to the premium of real estate and spawned a real estate bubble. It can be said that the housing prices in Dongou City, from the average price of about 3,000 yuan per square meter around 2000, have risen to more than 10,000 yuan per square meter now, and have risen by more than 200% in 6 years.

However, do you think that if you just buy high and sell low, housing prices may rise so much year after year? Of course it is impossible.

Therefore, the blind movement of the market is fake, and the real situation should be the blind movement of capital. Among them, there is not only the participation of the market, but also the banks, and even the government, the housing prices in Dongou City are jointly speculated by many forces, and the risks contained in it may be far beyond the imagination of the leaders. I wrote an article in the China Political and Economic Newsletter last year about this issue and talked about the possible impact of the property market crash in Dongou City. However, in that article, I did not analyze the reasons why the property market in Dongou City is prone to collapse, and I have the opportunity to talk about it in detail today. Let's start with our bank. ”

Qin Chaochao was in the front row of the stage, and the president of the Dongou City branch of the four major banks smiled slightly.

The oily head of the bank had a straight face, not giving Qin Feng much face.

Qin Feng was not hot and cold, turned his head to look back at the projection screen, and analyzed: "In the past few years, the economic momentum of Dongou City was good, so it was easy for enterprises to borrow from banks, and enterprises with annual profits of up to three or five million yuan could have a loan of 20 million. Under normal circumstances, the loan interest rate given by the banks in Dongou City is about 6% to 8%, which is quite reasonable, and at the beginning, our enterprises can also use this money to expand reproduction. However, since the start of the old city renovation project in Dongou City around 2000, with the natural appreciation of housing prices, some enterprises have begun to use this part of the loan for speculation. And the chain of speculation is getting longer and longer. So how long is this chain, please look at my picture.

A person, the owner of a small workshop-type shoe factory, had total personal assets of 5 million yuan and bank deposits of 2 million yuan in 2000. In February 2000, the town where A was located was demolished, and the developer pre-sold the property at 2,500 yuan per square meter, and the price increased to 3,000 yuan per square meter a month later. A thinks that it is profitable to buy a house, so he mortgages all his assets to the bank, takes out a loan of 10 million yuan, with an annual interest rate of 6%, plus his own 2 million, and buys a total of 4,000 square meters of real estate with 12 million cash. Four months later, the new house was completed, and the price per square meter increased by 500 yuan, and the value of the house held by a certain A appreciated to 14 million yuan. A sold all of them in the same month, obtained a profit of 2 million, and then deducted 4 months of bank interest of 200,000, and a net profit of 1.8 million. The profit of 4 months of property speculation is equivalent to the income of a certain person for almost 3 years before. Of course, a certain A is very excited, but in addition to the excitement, he also has another emotion, that is, he is not satisfied.

Two months later, A learned that a village in a neighboring county was going to be demolished again, so he wanted to repeat his old tricks and make another profit. But he disliked that it was boring to earn too little, and the amount of money borrowed from the bank was limited, so he thought of a solution, which was to raise funds illegally. First of all, he promised his relatives and friends that as long as they lent him money, they would return the interest rate of 2 points higher than the bank loan every month, and at the same time told those who had no money that they could first borrow from the bank and then lend him the money they borrowed from the bank.

Let's look at a relative of A and a B, who is unemployed, but has a property at home. A certain B is lazy to eat, and he gnaws at home, but he has a lot of friends who drink and meat, so he spends a lot of money every month. After being moved by a certain A, he secretly mortgaged his family's real estate to the local rural cooperative bank, and lent a loan of 2 million yuan to a certain A with an annual interest rate of 4%. In this way, according to the agreement with A, B doesn't have to do anything every month, and can get 10,000 yuan from A, of which 6,666.66 yuan is used to repay the bank's interests, and the remaining 3,000 yuan is earned for nothing. In this property market transaction, A successfully raised more than 50 million yuan in cash by borrowing from relatives and friends.

After another 3 months, a new community in a village in a neighboring county was completed, and because of the good local economic situation, the value of the houses in the area appreciated by more than 30%. After deducting the interest on the loan to relatives and friends, the net profit of the transaction reached 6 million. In half a year, a certain A successfully made a profit of nearly 8 million through bank financial leverage, which is equivalent to winning 5 million lottery tickets after tax twice. ”

"So easy to earn?" Su Tang, who was sitting in the back row, was stunned, and muttered, "This stupid guy understands the truth so well, why don't you do it yourself......"

Zhuge An'an glanced at Su Tang and said lightly: "If you make this kind of money for a short time, it doesn't matter if you make less money, if you make too much, you will either be hated by others, or you will end up smashing your own hands, anyway, there will be no good results left and right." ”

"Oh......" Su Tang nodded as if he didn't understand.