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不断地制造不良资产,不断地处置不良资产,是中国经济的一个怪圈。有人说,40岁以上的中国人至少经过四次暴富的机会:从最初的下海经商潮,到后来海南的地产泡沫,再到国内股票市场的投机狂潮,最近的机会是各种版本的网络传奇。其实,改革开放以来的致富机会远远不止这些。制造不良资产以及处置不良资产,同样是一个“非常高级”的暴富机会。中国经济的繁荣,与银行信贷有着千丝万缕的联系。房地产、汽车、股市等市场的繁荣,甚至国有企业和民营企业势力的消长,都与银行贷款密切相关。
Constantly manufacturing non-performing assets and continuously disposing of non-performing assets are a vicious circle in China’s economy. Some people say that Chinese people over the age of 40 have at least four chances of getting rich: from the initial tide of going to sea to the real estate bubble in Hainan and the speculative frenzy in the domestic stock market, the most recent are various versions of the Internet legend. In fact, since the reform and opening up, there are far more opportunities to get rich. Manufacturing non-performing assets and disposing of non-performing assets are also a “very advanced” chance to generate riches. The prosperity of China’s economy is inextricably linked with bank credit. The prosperity of markets such as real estate, automobile and stock markets, and even the growth and decline of the power of state-owned enterprises and private-owned enterprises are closely related to bank loans.