faysl personal page - To The Moon

faysl

faysl

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2020-04-07

$三倍做多能源ETF-Direxion(ERX)$Nice

2024-01-16

$美国超微公司(AMD)$

06-02

Sky is the limit

2024-04-08

$超微电脑(SMCI)$ 1100

2021-05-09

6

Naixue plans to hold a hearing on the Hong Kong Stock Exchange on May 13 and is expected to be listed in mid-to-early June

08-22

TQQQ buy the dip！

2024-01-21

2021-05-30

Mark

Philosophy in Investing: The Game of Finite and Infinite

2021-04-11

6

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2021-01-21

666

Last night and this morning: The Biden era officially opened! All three major indexes hit record highs

2021-01-08

?

Musk's net worth rises to $185 billion, officially promoted to the world's richest man

2020-12-17

Niu

U.S. "online lending Upstart" Upstart went public, opening up 33%

2020-11-27

?

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2020-11-03

Mark

Opening: The three major U.S. stock indexes opened higher across the board, and Nio's stock price hit a record high

Go to Tiger App to see more news

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</a>&nbsp;","text":"$美国超微公司(AMD)$","images":[{"img":"https://static.tigerbbs.com/b5a13a373f8d92cd1cbd8f8150947558","width":"898","height":"1475"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/263463593025656","isVote":1,"tweetType":1,"viewCount":1801,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":137110318,"gmtCreate":1622327392734,"gmtModify":1704182942508,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3472536105367512","idStr":"3472536105367512"},"themes":[],"htmlText":"Mark&nbsp;","listText":"Mark&nbsp;","text":"Mark","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/137110318","repostId":"1175020249","repostType":4,"repost":{"id":"1175020249","kind":"news","weMediaInfo":{"introduction":"格上理财旗下专注私募行业的微信公众号。每天精选私募行业动态、私募大佬观点、私募研究报告与您分享，同时涵盖宏观经济、个股、投资理念方面的精华文章。了解私募行业，关注格上私募圈！","home_visible":1,"media_name":"格上私募圈","id":"1083023659","head_image":"https://static.tigerbbs.com/61a7d3b4f53e4a8b81be4c739ded31f5"},"pubTimestamp":1622251774,"share":"https://ttm.financial/m/news/1175020249?lang=en_US&edition=fundamental","pubTime":"2021-05-29 09:29","market":"us","language":"zh","title":"Philosophy in Investing: The Game of Finite and Infinite","url":"https://stock-news.laohu8.com/highlight/detail?id=1175020249","media":"格上私募圈","summary":"2020年9月25日，詹姆斯·卡斯在他位于马塞诸塞州的家中去世，享年87岁。他是宗教学者、历史学家，他曾经是纽约大学的明星老师，所教授的课程场场爆满。更重要的是，他是《有限与无限的游戏》一书的作者。\n","content":"<p>James Cass passed away on September 25, 2020 at his home in Massachusetts at the age of 87. He is a religious scholar and historian. He used to be a star teacher at new york University, and the courses he taught were full. More importantly, he is the author of The Game of Finite and Infinite.</p><p>This book, written in 1987, is a very magical book, which has influenced many people. The book is not long, and it is composed of 101 short chapters. It tells a philosophical truth in plain language.</p><p>He regards the world as a \"game\" and believes that there are at least two kinds of games in the world. One can be called a finite game and the other an infinite game. Limited games are aimed at winning, while infinite games are aimed at continuing games.</p><p>He thought about time, society, culture, power, language, disease, death, war, nature, machines, religion, myth, all the important themes we encounter in the world one by one through the clue of \"two kinds of games\".</p><p>Cass pointed out that human society is often easy to stagnate in the finite game that has ended, or be imprisoned in the finite game without knowing it. Things like war, autocracy, environmental pollution, intolerance of the other, great fear of disease and death, and so on, are all negative products of limited games.</p><p>Therefore, we all need a transformation of game concept, because limited games are games that draw the ground as prison, and need to establish boundaries and rules, while infinite games are open and need to break through boundaries and rules.</p><p>Kevin Kelly, author of Out of Control, even more said: This book changed my view of life, the universe and everything else. The difference between the two games lifted my hesitation about what I should do next. It's simple:<b>Always choose unlimited games.</b></p><p>As a religious scholar, he is an atheist, because he is fascinated by \"the unknowable being as human\", which is exactly what he calls the infinite game.</p><p>In the last few years of his life, although he suffered from cancer and chemotherapy, his computer was still full of working manuscripts, and he published his first novel in 2016. Maybe he thought that death was not an insurmountable boundary, and he was still playing his infinite game.</p><p>The following is selected from Chapter 2 of \"The Game of Finite and Infinite\" \"No one can play games alone\". I wish you a beneficial opening!</p><p>Participants in the infinite game strictly distinguish society from culture in their own political activities. They understand society as the sum of relationships bound by politics, while culture is the interaction between people under non-directional choices.</p><p>If society is the sum total of what people think they must do, then culture is \"a country of change and freedom, which is not necessarily universally applicable, and authority can't be said here\".</p><p>Let's not confuse the understanding of society by the participants of the infinite game with cost-able actions or other unconscious actions. Like limited competition, society is entirely in our free choice:<b>No matter how time-consuming and laborious it is for the participants, it never stops the participants from withdrawing from the competition. It is only in certain areas that are considered necessary that society embodies its compulsory nature.</b></p><p><img src=\"https://static.tigerbbs.com/80c2dd3214271ea6666ba033b9ce9671\" tg-width=\"399\" tg-height=\"280\" referrerpolicy=\"no-referrer\"></p><p><b>Photo: James Cass (1932-2020)</b></p><p>Just as infinite games cannot be confined to finite games, culture must not become real culture if it is trapped in social boundaries.</p><p>Of course, societies often use the strategy of initiating or embracing a certain culture as the exclusive and exclusive thing of that society. A culture that has been painted as a prison may even be greatly supported and encouraged by the society, but it is just cloaked in an open cloak. In fact, it is designed to serve social purposes without exception.</p><p>Therefore, society and culture are not really at odds. In fact, society is a type of culture, and it insists on opposing itself. Society is an effort to organize freely, devoted to hiding the freedom of the organizer and the organized, to forgetting that we have consciously forgotten the original intention of entering this or that competition and to continue the competition.</p><p><b>Society</b></p><p>If society is understood as everything people do under the veil of necessity, it should also be regarded as a limited game, which contains a certain number of small games within its boundaries.</p><p>Big society includes a large number of various games, although these games are all linked to some extent, because they all affect the ultimate social status.</p><p>In this sense, the school is a kind of limited game by issuing degree certificates with different gold content to those who have obtained degrees. These degree certificates provide graduates with qualifications in higher-level games. For example, after students from some famous schools or some vocational colleges graduate, there are a series of higher-level competitions in each vocational field. Many families also see themselves as a competitive unit in a larger limited game, training family members to win visible social titles.</p><p>Like finite games, society has boundaries in quantity, space and time. Its citizens are precisely defined, its territory is sacrosanct, and its history is worshipped.</p><p>The power of citizens in society is determined by their achievements in the games they have participated in. Society preserves the memory of the winners in history. Its recording and preservation functions are crucial to social order. A large number of rights and interests of members of society need to be confirmed, and the huge bureaucratic system originates from this need.</p><p>The power of a society is obtained by defeating other societies in a limited game at a higher level. Its most cherished memory is the martyrs who lost their lives to win in the war with Gentiles. The victims of the losing side of the war are almost never commemorated.</p><p><b>The power in society is guaranteed and improved by the power of the society itself.</b></p><p>Only when a society maintains holistic power in its relations with other societies can the rewards won by its members be defended. Members of society who want to make their rewards permanent will try their best to maintain the permanence of this social reward.</p><p>Patriotism, in one or more of its forms (chauvinism, racism, sexism, nationalism and religiosity), becomes an integral part of all social games.</p><p>Because power is patriotic in nature, the typical feature of limited game participants is to pursue the growth of power in society as a way to improve the power of society itself.</p><p>It is for the benefit of society itself that all kinds of competition in society are encouraged, and as many rewards as possible are established, because the rewarded person will be the most likely to risk his life to defend the whole society from being defeated by other competing societies.</p><p><b>Culture</b></p><p><b>Culture is an infinite game.</b>Culture has no boundaries. In a culture, everyone can become a participant, no matter where and at any time.</p><p>Because a society carefully maintains the boundaries of time, it understands its past as a kind of destiny, or destiny. That is to say, its historical track has a clear starting point (the founder of a certain society is always particularly commemorated) and a clear end (its successful nature is repeatedly reflected in official slogans such as \"according to his ability, according to his work\").</p><p>Because culture has no time boundary, culture does not understand its past as fate, but as history, that is, a narrative that has begun but always points to infinite openness. Culture is a human enterprise that refuses to save itself from surprise. Living in such a powerful picture, they avoid power and happily play various games to expand their boundaries.</p><p><b>Society is a display of power.</b>It is scripted, with an established script, and the deviation from the script will be obvious immediately. Deviation from the norm is antisocial and therefore prohibited by society through various sanctions.</p><p>The reason why transgression is banned is simple. If members of society do not abide by the inherent rules of society, then the number of rules will change, and some of them will be abandoned completely, which will mean that past winners can no longer be guaranteed ceremonial recognition of their titles and thus lose power-just like Russian princes after the Russian Revolution.</p><p>It is an important function of society to ensure that the rules of many games are not tampered with. Processes such as academic review, licensing of trade and profession, appointment of religious office, approval of official appointments by Congress, and inauguration of political leaders are all social approval for certain people to compete in a specific limited game.</p><p>Deviance, however, is the essence of culture. Anyone who just follows the script and repeats the past is culturally destitute.</p><p>The nature of deviance varies, and not all deviations from the past have cultural significance. Cutting ties with the past, leading to forgetting the past, are practices that are culturally worthless. It is meaningful to bring new ways of thinking to tradition, make us feel strange to what we were once familiar, and re-examine everything we have.</p><p>Cultural deviation does not bring us back to the past, but continues what began in the past and has not ended yet. Social customs, on the other hand, require a complete repetition of the past in the future. Society is obsessed with immortality, and culture laughs and harps with unknowable possibilities. Society is abstract, culture is concrete.</p><p><b>Limited games are able to be played countless times over and over again.</b>Admittedly, the winner of a game always wins in a specific game at a certain time, but the validity of the title they win depends on the repetition of this game. We commemorate the great early rugby players, but if rugby disappears, I'm afraid we won't remember them within ten years.</p><p>As we have seen, because the infinite game cannot have an end, it cannot be repeated either. Non-repeatability is typical of all cultures. Mozart's Symphony No. 41 can't be composed again, and Rembrandt's self-portrait can't be painted twice. Society preserves these works, thinking that they are the results of those winners in their respective games.</p><p>However, culture does not regard these works as the product of struggle, but as moments in the process of struggle-culture is the struggle itself.</p><p>Culture inherits Mozart and Rembrandt's inheritance of culture, and their inheritance of culture is through their own work:<b>Original or adaptive shaping of the tradition they have received. Their work is so original that others can't copy it, but it calls for original responses from others.</b></p><p>Just as infinite games have their own rules, cultures have their own traditions. The rules in the infinite game can be freely reached or changed, and cultural traditions will also be transformed and changed in the transformation.</p><p>To be precise, culture does not have a tradition, it is a tradition in itself.</p><p>----------------------------------------------------</p><p>Share good news with Tiger friends, Tiger currently supports placing orders on weekends! Pre-pending orders are a value-added service provided by Tiger for users, which can support users to place orders during non-trading periods. Currently, they support three order types: stop loss orders, stop loss limit orders, and limit orders.</p><p>In other words, users can place pending orders during market holidays, such as weekends and other holidays. The orders are saved by Tiger's trading system and automatically submitted to the exchange after the market opens.</p><p><a href=\"https://www.laohu8.com/post/131820269\" target=\"_blank\">Click for details > > ></a></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Philosophy in Investing: The Game of Finite and Infinite</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nPhilosophy in Investing: The Game of Finite and Infinite\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1083023659\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/61a7d3b4f53e4a8b81be4c739ded31f5);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">格上私募圈 </p>\n<p class=\"h-time smaller\">2021-05-29 09:29</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>James Cass passed away on September 25, 2020 at his home in Massachusetts at the age of 87. He is a religious scholar and historian. He used to be a star teacher at new york University, and the courses he taught were full. More importantly, he is the author of The Game of Finite and Infinite.</p><p>This book, written in 1987, is a very magical book, which has influenced many people. The book is not long, and it is composed of 101 short chapters. It tells a philosophical truth in plain language.</p><p>He regards the world as a \"game\" and believes that there are at least two kinds of games in the world. One can be called a finite game and the other an infinite game. Limited games are aimed at winning, while infinite games are aimed at continuing games.</p><p>He thought about time, society, culture, power, language, disease, death, war, nature, machines, religion, myth, all the important themes we encounter in the world one by one through the clue of \"two kinds of games\".</p><p>Cass pointed out that human society is often easy to stagnate in the finite game that has ended, or be imprisoned in the finite game without knowing it. Things like war, autocracy, environmental pollution, intolerance of the other, great fear of disease and death, and so on, are all negative products of limited games.</p><p>Therefore, we all need a transformation of game concept, because limited games are games that draw the ground as prison, and need to establish boundaries and rules, while infinite games are open and need to break through boundaries and rules.</p><p>Kevin Kelly, author of Out of Control, even more said: This book changed my view of life, the universe and everything else. The difference between the two games lifted my hesitation about what I should do next. It's simple:<b>Always choose unlimited games.</b></p><p>As a religious scholar, he is an atheist, because he is fascinated by \"the unknowable being as human\", which is exactly what he calls the infinite game.</p><p>In the last few years of his life, although he suffered from cancer and chemotherapy, his computer was still full of working manuscripts, and he published his first novel in 2016. Maybe he thought that death was not an insurmountable boundary, and he was still playing his infinite game.</p><p>The following is selected from Chapter 2 of \"The Game of Finite and Infinite\" \"No one can play games alone\". I wish you a beneficial opening!</p><p>Participants in the infinite game strictly distinguish society from culture in their own political activities. They understand society as the sum of relationships bound by politics, while culture is the interaction between people under non-directional choices.</p><p>If society is the sum total of what people think they must do, then culture is \"a country of change and freedom, which is not necessarily universally applicable, and authority can't be said here\".</p><p>Let's not confuse the understanding of society by the participants of the infinite game with cost-able actions or other unconscious actions. Like limited competition, society is entirely in our free choice:<b>No matter how time-consuming and laborious it is for the participants, it never stops the participants from withdrawing from the competition. It is only in certain areas that are considered necessary that society embodies its compulsory nature.</b></p><p><img src=\"https://static.tigerbbs.com/80c2dd3214271ea6666ba033b9ce9671\" tg-width=\"399\" tg-height=\"280\" referrerpolicy=\"no-referrer\"></p><p><b>Photo: James Cass (1932-2020)</b></p><p>Just as infinite games cannot be confined to finite games, culture must not become real culture if it is trapped in social boundaries.</p><p>Of course, societies often use the strategy of initiating or embracing a certain culture as the exclusive and exclusive thing of that society. A culture that has been painted as a prison may even be greatly supported and encouraged by the society, but it is just cloaked in an open cloak. In fact, it is designed to serve social purposes without exception.</p><p>Therefore, society and culture are not really at odds. In fact, society is a type of culture, and it insists on opposing itself. Society is an effort to organize freely, devoted to hiding the freedom of the organizer and the organized, to forgetting that we have consciously forgotten the original intention of entering this or that competition and to continue the competition.</p><p><b>Society</b></p><p>If society is understood as everything people do under the veil of necessity, it should also be regarded as a limited game, which contains a certain number of small games within its boundaries.</p><p>Big society includes a large number of various games, although these games are all linked to some extent, because they all affect the ultimate social status.</p><p>In this sense, the school is a kind of limited game by issuing degree certificates with different gold content to those who have obtained degrees. These degree certificates provide graduates with qualifications in higher-level games. For example, after students from some famous schools or some vocational colleges graduate, there are a series of higher-level competitions in each vocational field. Many families also see themselves as a competitive unit in a larger limited game, training family members to win visible social titles.</p><p>Like finite games, society has boundaries in quantity, space and time. Its citizens are precisely defined, its territory is sacrosanct, and its history is worshipped.</p><p>The power of citizens in society is determined by their achievements in the games they have participated in. Society preserves the memory of the winners in history. Its recording and preservation functions are crucial to social order. A large number of rights and interests of members of society need to be confirmed, and the huge bureaucratic system originates from this need.</p><p>The power of a society is obtained by defeating other societies in a limited game at a higher level. Its most cherished memory is the martyrs who lost their lives to win in the war with Gentiles. The victims of the losing side of the war are almost never commemorated.</p><p><b>The power in society is guaranteed and improved by the power of the society itself.</b></p><p>Only when a society maintains holistic power in its relations with other societies can the rewards won by its members be defended. Members of society who want to make their rewards permanent will try their best to maintain the permanence of this social reward.</p><p>Patriotism, in one or more of its forms (chauvinism, racism, sexism, nationalism and religiosity), becomes an integral part of all social games.</p><p>Because power is patriotic in nature, the typical feature of limited game participants is to pursue the growth of power in society as a way to improve the power of society itself.</p><p>It is for the benefit of society itself that all kinds of competition in society are encouraged, and as many rewards as possible are established, because the rewarded person will be the most likely to risk his life to defend the whole society from being defeated by other competing societies.</p><p><b>Culture</b></p><p><b>Culture is an infinite game.</b>Culture has no boundaries. In a culture, everyone can become a participant, no matter where and at any time.</p><p>Because a society carefully maintains the boundaries of time, it understands its past as a kind of destiny, or destiny. That is to say, its historical track has a clear starting point (the founder of a certain society is always particularly commemorated) and a clear end (its successful nature is repeatedly reflected in official slogans such as \"according to his ability, according to his work\").</p><p>Because culture has no time boundary, culture does not understand its past as fate, but as history, that is, a narrative that has begun but always points to infinite openness. Culture is a human enterprise that refuses to save itself from surprise. Living in such a powerful picture, they avoid power and happily play various games to expand their boundaries.</p><p><b>Society is a display of power.</b>It is scripted, with an established script, and the deviation from the script will be obvious immediately. Deviation from the norm is antisocial and therefore prohibited by society through various sanctions.</p><p>The reason why transgression is banned is simple. If members of society do not abide by the inherent rules of society, then the number of rules will change, and some of them will be abandoned completely, which will mean that past winners can no longer be guaranteed ceremonial recognition of their titles and thus lose power-just like Russian princes after the Russian Revolution.</p><p>It is an important function of society to ensure that the rules of many games are not tampered with. Processes such as academic review, licensing of trade and profession, appointment of religious office, approval of official appointments by Congress, and inauguration of political leaders are all social approval for certain people to compete in a specific limited game.</p><p>Deviance, however, is the essence of culture. Anyone who just follows the script and repeats the past is culturally destitute.</p><p>The nature of deviance varies, and not all deviations from the past have cultural significance. Cutting ties with the past, leading to forgetting the past, are practices that are culturally worthless. It is meaningful to bring new ways of thinking to tradition, make us feel strange to what we were once familiar, and re-examine everything we have.</p><p>Cultural deviation does not bring us back to the past, but continues what began in the past and has not ended yet. Social customs, on the other hand, require a complete repetition of the past in the future. Society is obsessed with immortality, and culture laughs and harps with unknowable possibilities. Society is abstract, culture is concrete.</p><p><b>Limited games are able to be played countless times over and over again.</b>Admittedly, the winner of a game always wins in a specific game at a certain time, but the validity of the title they win depends on the repetition of this game. We commemorate the great early rugby players, but if rugby disappears, I'm afraid we won't remember them within ten years.</p><p>As we have seen, because the infinite game cannot have an end, it cannot be repeated either. Non-repeatability is typical of all cultures. Mozart's Symphony No. 41 can't be composed again, and Rembrandt's self-portrait can't be painted twice. Society preserves these works, thinking that they are the results of those winners in their respective games.</p><p>However, culture does not regard these works as the product of struggle, but as moments in the process of struggle-culture is the struggle itself.</p><p>Culture inherits Mozart and Rembrandt's inheritance of culture, and their inheritance of culture is through their own work:<b>Original or adaptive shaping of the tradition they have received. Their work is so original that others can't copy it, but it calls for original responses from others.</b></p><p>Just as infinite games have their own rules, cultures have their own traditions. The rules in the infinite game can be freely reached or changed, and cultural traditions will also be transformed and changed in the transformation.</p><p>To be precise, culture does not have a tradition, it is a tradition in itself.</p><p>----------------------------------------------------</p><p>Share good news with Tiger friends, Tiger currently supports placing orders on weekends! Pre-pending orders are a value-added service provided by Tiger for users, which can support users to place orders during non-trading periods. Currently, they support three order types: stop loss orders, stop loss limit orders, and limit orders.</p><p>In other words, users can place pending orders during market holidays, such as weekends and other holidays. The orders are saved by Tiger's trading system and automatically submitted to the exchange after the market opens.</p><p><a href=\"https://www.laohu8.com/post/131820269\" target=\"_blank\">Click for details > > ></a></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/ccb8c14a6fc1912ba7f4d101042b451e","relate_stocks":{},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1175020249","content_text":"2020年9月25日，詹姆斯·卡斯在他位于马塞诸塞州的家中去世，享年87岁。他是宗教学者、历史学家，他曾经是纽约大学的明星老师，所教授的课程场场爆满。更重要的是，他是《有限与无限的游戏》一书的作者。\n这本写于1987年的书，是一本非常神奇的著作，影响了不少人。全书篇幅不长，以101个短章连缀而成的形式构成，用平实的语言讲述了一个哲学的道理。\n他视世界为“游戏”，并认为世上至少有两种游戏。一种可称为有限游戏，另一种称为无限游戏。有限游戏以取胜为目的，而无限游戏以延续游戏为目的。\n他将时间、社会、文化、权力、语言、疾病、死亡、战争、自然、机器、宗教、神话，我们在世上所遭遇的重要主题，都通过“两种游戏”这条线索，逐一思考了一遍。\n卡斯指出，人类社会往往很容易停滞在结束了的有限游戏中，或者被囚禁在有限的游戏中而不自知。像战争、专制、环境污染、对他者的不宽容、对疾病和死亡的极大恐惧等等，都是有限游戏的负面产物。\n因而我们都需要一个游戏观的转换，因为有限游戏是画地为牢的游戏，需要确立边界和规则，而无限游戏则是开放的，需要突破边界和规则。\n《失控》的作者凯文·凯利更是说：这本书改变了我对生活、宇宙和其他一切事情的看法。两种游戏的不同，解除了我对下一步应该做什么的犹豫。很简单：总是选择无限的游戏。\n他作为一个宗教学者，却是一名无神论者，因为他着迷于“不可知的作为人类的存在”，也正是他所说的无限游戏。\n在他生命的最后几年，虽然受到癌症及化疗的痛苦，但他的电脑里依然充满着工作手稿，在2016年还出版了第一本小说，可能他认为死亡并不是一个不可突破的边界，他依然在玩着他的无限游戏。\n以下选自《有限与无限的游戏》第二章《没人能独自玩游戏》，祝开卷有益！\n无限游戏的参与者在他们自己的政治活动中，严格区分社会与文化。他们将社会理解为受政治约束的关系总和，而文化则是在非方向性的选择下，人和人的相互作用。\n如果说，社会是人们认为必须要做之事的总和，那么文化则是“变化与自由的国度，它并不一定普遍适用，权威在这里无从置喙”。\n我们不要把无限游戏的参与者对社会的理解，混淆成本能行动，或者其他非意识行动。和有限的竞争一样，社会也完全是在我们自由选择之中的：不管对参与者来说多费时费力，也从不阻止参与者退出竞赛。仅仅在某些被认为必需的领域，社会才体现它的强制性。\n\n图：詹姆斯·卡斯（1932-2020）\n正如无限游戏不能被限制在有限游戏中，文化如果被困于社会边界里，也必不能成为真正的文化。\n当然，社会经常使用一种策略，即发起或拥抱某种文化，将之作为该社会的独家专属之物。被如此画地为牢的文化，甚至有可能得到社会的极大扶持和鼓励，但它不过是披着开放的外衣而已。实际上，它无一例外都被设计为服务于社会目的。\n因此，社会与文化并不是真正的势不两立。其实，社会是文化的一种类型，它坚持与自身作对。社会是自由组织起来的一种努力，致力于隐藏组织者和被组织者的自由，致力于忘记我们已经有意识地忘记我们进入这个或那个竞赛的初衷并继续竞赛下去。\n社会\n如果将社会理解为人们在必然的面纱下所做的一切，那也应该将它视为某一有限的游戏，在它的边界内，又包含了一定数量的小游戏。\n大的社会包括大量的各种游戏，虽然这些游戏都在某种程度上联系在一起，因为它们都影响到最终的社会身份地位。\n学校向获得学位者颁发含金量不同的学位证书，从这个意义上说，学校是有限游戏的一种。这些学位证书则在更高一级的游戏中，为毕业生提供参赛资格，比如某些名校或某些职业院校的学生毕业之后，在每个职业领域中，又有一系列的更高一级的竞赛等。很多家庭也将自己视为更宏大的有限游戏中的一个竞争单元，训练家族成员赢得可见的社会性头衔。\n像有限游戏一样，社会也是有数量、空间和时间的界限的。它的公民是精确定义的，它的国土是神圣不可侵犯的，它的历史是被顶礼膜拜的。\n公民在社会中的权力，由他们各自在已参加的游戏中所获得的成绩来决定。社会保有对历史上获胜者的记忆。它的记录、保存功能对于社会秩序来说至关重要。社会成员的大量权益需要得到确认，庞大的官僚体制便是发源于这一需要。\n一个社会的权力，是通过在更高一级的有限游戏中击败其他社会获取的。它最值得珍视的记忆，便是在与外邦交战中，为赢得胜利而失去生命的烈士们。战争失败一方的牺牲者几乎从来不被纪念。\n社会中的权力，得到这个社会本身的权力的保证与提高。\n一个社会只有在与其他社会关系中保持整体性的权力时，其社会成员所赢得的奖励才能得到保卫。希望将自己的奖励永久化的社会成员，会努力维持这个社会奖励的永久化。\n爱国主义以它的一种或多种形式（沙文主义、种族主义、性别主义、民族主义和宗教主义），成为所有社会游戏不可分割的部分。\n因为权力在本质上是爱国主义的，所以有限游戏参与者的典型特征，便是将追求社会中的权力增长作为提高社会本身权力的一种方式。\n正是为了社会本身的利益，才鼓励社会中的各种竞争，建立尽可能多数量的奖励，因为被奖励者将是最有可能奋不顾身去保卫作为一个整体的社会不被其他竞争社会打败的。\n文化\n文化则是无限的游戏。文化无边界，在一个文化中，所有人都能成为参与者，无论任何时间任何地点。\n因为一个社会精心保持着时间边界，所以它将自己的过去理解为一种宿命，或天命。也就是说，它的历史轨道有明确的起点（某个社会的创立者总是特别得到纪念），以及明确的终点（它的成功性质重复体现在比如“各尽所能，按劳分配”这样的官方口号中）。\n因为文化没有时间边界，所以文化并不将它的过去理解为宿命，而是视为历史，也即一种已经开始但永远指向无穷开放性的叙事。文化是人类的事业，拒绝使自己免于惊讶。生活在这样有力量的图景中，他们便避开权力，喜悦地做着各种拓展边界的游戏。\n社会是权力的展示。它是剧本性的，拥有既定的剧本，对剧本的偏离，马上会很明显地被看出来。偏离常轨是反社会的，因此被社会通过各种制裁所禁止。\n越轨之所以被禁止，原因很简单。如果社会成员不遵守社会固有规则，那么规则的数量将会变化，其中一些规则会被彻底抛弃，这将意味着过去的获胜者不再能保证获得对自己头衔的仪式性认可，从而失去权力－就像是俄国革命之后的俄国王公。\n保证许多游戏的规则不被窜改，是社会的一项重要功能。像学术评审、贸易和职业的许可、宗教职务授任、国会对官员任命的通过和政治领袖的就职，这些流程都是社会对某些人在特定的有限游戏中进行竞争所做的批准。\n然而，越轨却是文化的本质。谁要是仅仅跟随剧本亦步亦趋，重复过去，那么就是文化上的赤贫者。\n越轨的性质各有不同，不是所有对过去的偏离都具有文化上的意义。切断与过去的联系，导致对过去的遗忘，这些做法在文化上毫无价值。给传统带来新的思维方式，使我们对一度熟悉的事物生出陌生感，对我们所拥有的一切进行再审视，这样做才是有意义的。\n文化偏离不是将我们带回过往，而是将开始于过去并尚未结束的东西继续下去。而另一方面，社会习俗要求在未来完全地重复过往。社会对于不朽这件事情念念不忘，而文化与不可知的各种可能性的欢笑琴瑟和鸣。社会是抽象的，文化是具体的。\n有限的游戏能够反复玩无数次。诚然，游戏的获胜者总是在某一时间的特定游戏中获胜的，但是他们获得的头衔的有效性却有赖于此游戏的重复进行。我们纪念早期的伟大橄榄球队运动员，但若橄榄球消失，不出十年，我们恐怕就记不起他们了。\n正如我们所见的，因为无限的游戏不能有终点，所以它也无法重复。不可重复性是所有文化的典型特征。莫扎特的第四十一号交响曲不可能再创作一次，伦勃朗的自画像也不可能画两次。社会将这些作品保存起来，认为它们是那些在各自游戏中获胜者的战果。\n然而，文化并不将这些作品视作奋斗的产物，而认为是奋斗过程中的瞬间－文化即奋斗本身。\n文化传承着莫扎特和伦勃朗对文化的传承，而二人对文化的传承，是通过自己的工作：对他们所接受的传统进行的原创性或改编性塑造。他们的工作是如此原创，以至于其他人无从复制，但是却呼唤着其他人原创式的回应。\n正如无限的游戏有其规则，文化则有自己的传统。无限游戏中的规则能够自由达成或自由更改，文化传统也会被改造，并在改造中发生变化。\n准确地说，文化并不是拥有一个传统，它本身就是传统。\n----------------------------------------------------\n和虎友们分享一个好消息，老虎当前支持周末下单了！预挂单是老虎为用户提供的一种增值服务，可以支持用户在非交易时间段下单，目前支持止损单、止损限价单、限价单3种订单类型。\n也就是说，用户可以在休市期间，比如周末等节假日进行挂单，订单由老虎的交易系统保存，待开市后自动提交到交易所。\n点击了解详情>>>","news_type":1,"symbols_score_info":{}},"isVote":1,"tweetType":1,"viewCount":2975,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":107223033,"gmtCreate":1620515235022,"gmtModify":1704344405485,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3472536105367512","idStr":"3472536105367512"},"themes":[],"htmlText":"6","listText":"6","text":"6","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/107223033","repostId":"1133900125","repostType":4,"repost":{"id":"1133900125","kind":"news","pubTimestamp":1620457507,"share":"https://ttm.financial/m/news/1133900125?lang=en_US&edition=fundamental","pubTime":"2021-05-08 15:05","market":"hk","language":"zh","title":"Naixue plans to hold a hearing on the Hong Kong Stock Exchange on May 13 and is expected to be listed in mid-to-early June","url":"https://stock-news.laohu8.com/highlight/detail?id=1133900125","media":"腾讯新闻","summary":"5月8日，腾讯新闻《潜望》独家获悉，奈雪计划于5月13日聆讯。按照港交所上市流程，奈雪或将在6月中上旬完成上市。关于此次IPO募资的具体额度，预计奈雪将在5月最后一周确定。此外，腾讯新闻《潜望》获悉，","content":"<p><img src=\"https://static.tigerbbs.com/e96e2889a7577f7ebb7f4c3b53fef19d\" tg-width=\"766\" tg-height=\"503\" referrerpolicy=\"no-referrer\">On May 8, Tencent News \"Periscope\" exclusively learned that Naixue plans to hold a hearing on May 13. According to the listing process of the Hong Kong Stock Exchange, Naixue may complete its listing in mid-to-early June.</p><p>Regarding the specific amount of funds raised by this IPO, it is expected that Naixue will be determined in the last week of May. In addition, Tencent News \"Periscope\" learned that Naixue plans to raise approximately US $600 million this time. Based on its issuance of 15% shares, Naixue is expected to be valued at approximately US $4 billion, equivalent to approximately HK $31 billion.</p><p>As of press time, Tencent News \"Periscope\" has not been able to contact Naixue and its sponsor JPMorgan Chase for comment.</p><p><b>Investors worry that Naixue's valuation is too high</b></p><p>Naixue has conducted a total of 5 financings in the past 5 years. In addition to Tiantu Capital's earliest three consecutive rounds of investment, Naixue received another US $100 million in financing from PAG Taimeng Investment Group and others in 2020.</p><p>Bloomberg reported that Naixue's valuation reached $2 billion after receiving financing from PAG Pacific Alliance Investment. This is also Naixue's last round of fundraising before the IPO.</p><p>In other words, compared with the last round of financing before the IPO, Naixue's current valuation has approximately doubled.</p><p>Some large institutional investors told Tencent News \"Periscope\" that Naixue is a good company, but they are worried that the final valuation is too expensive. According to previous market rumors, Naixue is valued at HK $35 billion.</p><p>Compared with the market sentiment when Naixue launched its listing in February this year, institutional investors are currently more cautious about Naixue's valuation. Some institutional investors value it at about 30 billion Hong Kong dollars, but some institutional investors who are keen on Naixue still follow the previous valuation, and even give a valuation of 40 billion Hong Kong dollars.</p><p>Some large institutional investors told Tencent News \"First Line\" that if the valuation is reasonable, they will consider placing orders. The order prices placed by these large institutional investors will directly affect Naixue's final pricing range.</p><p>In the past week, many institutional investors have been nervously waiting for the decision of Naixue's listing team and management, that is, to finalize the cornerstone list. Tencent News \"Periscope\" learned that there are many institutions that hope to be cornerstone investors in Naixue, and the final cornerstone list will be finalized after the hearing next week.</p><p><b>Naixue has lost more than 100 million in three years, investors are worried about its ability to make money</b></p><p>In previous non-trading roadshows, investors' concerns about Naixue were more concentrated: the ability to make money in the future. The answer given by the management is also easy to understand, that is, as the scale increases, the cost will be diluted and the profit will also increase.</p><p>Naixue is still in a state of loss. The financial report shows that Naixue's revenue in 2018, 2019 and the first three quarters of 2020 was 1.087 billion yuan, 2.502 billion yuan, and 2.115 billion yuan respectively, while its net losses were 69.73 million, 39.68 million, and 27.51 million yuan respectively.</p><p>Like other fast-moving consumer goods industries, investors are more concerned about the same-store sales and same-store profits in Naixue's prospectus.</p><p>Naixue's prospectus shows that in 2018 and 2019, there were 49 stores with business hours of no less than 300 days. Based on the data of 2018 and 2019 alone, Naixue's same-store net profits were 1.453 million yuan and 1.414 million yuan respectively.</p><p>An institutional investor who has invested in the consumer field for a long time told Tencent News \"Periscope\" that generally speaking, the reasonable range of same-store profit margins is about 20%.</p><p>Judging from the data of the first two full fiscal years, Naixue's single-store profit is not bad. According to the prospectus, Naixue's same-store profit margins were 24.9%, 25.3% and 12.6% in 2018, 2019 and the first three quarters of 2020, respectively. Among them, the same-store profit margin in 2020 will be greatly affected by the epidemic.</p><p>However, manpower accounts for a large proportion of Nayuki's cost expenditure. Naixue's prospectus shows that its labor costs remain high. In 2018, the staff cost was 340 million yuan, accounting for 31.3% of the total cost. In 2019, the staff cost was 750 million yuan, accounting for 30% of the total cost. This expenditure is similar to Naixue's material cost, which was 380 million yuan and 910 million yuan in 2018 and 2019 respectively.</p><p>In other words, as domestic labor costs gradually rise in the future, the labor expenses that Naixue needs to bear will become higher and higher. More importantly, Naixue's stores are all concentrated in first-and second-tier and quasi-second-tier cities, and labor costs in these cities will continue to be high in the foreseeable future.</p><p>Although the total cost of Naixue will be slightly diluted as the scale expands in the future, after the stores in first-and second-tier cities are saturated, as Naixue continues to sink into other cities, the benefits of a single store may decrease. This means that it will be difficult for Naixue to continue to maintain a single store profit margin of more than 20%.</p><p>An institutional investor who mainly invests in the consumer field in the secondary market told Tencent News \"Periscope\" that after studying Naixue's data, his institution finally decided not to invest.</p><p>There are not a few such investors, and some people are looking forward to the competing product Heytea, which will also be listed in Hong Kong in the future. Some investors who have seen Heytea's financial data revealed to Tencent News \"Periscope\" that compared with Naixue, Heytea's profitability is much better than Naixue's, its cost control is better, and it is more suitable for long-term holdings. investors.</p>","source":"TXXW","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Naixue plans to hold a hearing on the Hong Kong Stock Exchange on May 13 and is expected to be listed in mid-to-early June</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nNaixue plans to hold a hearing on the Hong Kong Stock Exchange on May 13 and is expected to be listed in mid-to-early June\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">腾讯新闻</strong><span class=\"h-time small\">2021-05-08 15:05</span>\n</p>\n</h4>\n</header>\n<article>\n<p><img src=\"https://static.tigerbbs.com/e96e2889a7577f7ebb7f4c3b53fef19d\" tg-width=\"766\" tg-height=\"503\" referrerpolicy=\"no-referrer\">On May 8, Tencent News \"Periscope\" exclusively learned that Naixue plans to hold a hearing on May 13. According to the listing process of the Hong Kong Stock Exchange, Naixue may complete its listing in mid-to-early June.</p><p>Regarding the specific amount of funds raised by this IPO, it is expected that Naixue will be determined in the last week of May. In addition, Tencent News \"Periscope\" learned that Naixue plans to raise approximately US $600 million this time. Based on its issuance of 15% shares, Naixue is expected to be valued at approximately US $4 billion, equivalent to approximately HK $31 billion.</p><p>As of press time, Tencent News \"Periscope\" has not been able to contact Naixue and its sponsor JPMorgan Chase for comment.</p><p><b>Investors worry that Naixue's valuation is too high</b></p><p>Naixue has conducted a total of 5 financings in the past 5 years. In addition to Tiantu Capital's earliest three consecutive rounds of investment, Naixue received another US $100 million in financing from PAG Taimeng Investment Group and others in 2020.</p><p>Bloomberg reported that Naixue's valuation reached $2 billion after receiving financing from PAG Pacific Alliance Investment. This is also Naixue's last round of fundraising before the IPO.</p><p>In other words, compared with the last round of financing before the IPO, Naixue's current valuation has approximately doubled.</p><p>Some large institutional investors told Tencent News \"Periscope\" that Naixue is a good company, but they are worried that the final valuation is too expensive. According to previous market rumors, Naixue is valued at HK $35 billion.</p><p>Compared with the market sentiment when Naixue launched its listing in February this year, institutional investors are currently more cautious about Naixue's valuation. Some institutional investors value it at about 30 billion Hong Kong dollars, but some institutional investors who are keen on Naixue still follow the previous valuation, and even give a valuation of 40 billion Hong Kong dollars.</p><p>Some large institutional investors told Tencent News \"First Line\" that if the valuation is reasonable, they will consider placing orders. The order prices placed by these large institutional investors will directly affect Naixue's final pricing range.</p><p>In the past week, many institutional investors have been nervously waiting for the decision of Naixue's listing team and management, that is, to finalize the cornerstone list. Tencent News \"Periscope\" learned that there are many institutions that hope to be cornerstone investors in Naixue, and the final cornerstone list will be finalized after the hearing next week.</p><p><b>Naixue has lost more than 100 million in three years, investors are worried about its ability to make money</b></p><p>In previous non-trading roadshows, investors' concerns about Naixue were more concentrated: the ability to make money in the future. The answer given by the management is also easy to understand, that is, as the scale increases, the cost will be diluted and the profit will also increase.</p><p>Naixue is still in a state of loss. The financial report shows that Naixue's revenue in 2018, 2019 and the first three quarters of 2020 was 1.087 billion yuan, 2.502 billion yuan, and 2.115 billion yuan respectively, while its net losses were 69.73 million, 39.68 million, and 27.51 million yuan respectively.</p><p>Like other fast-moving consumer goods industries, investors are more concerned about the same-store sales and same-store profits in Naixue's prospectus.</p><p>Naixue's prospectus shows that in 2018 and 2019, there were 49 stores with business hours of no less than 300 days. Based on the data of 2018 and 2019 alone, Naixue's same-store net profits were 1.453 million yuan and 1.414 million yuan respectively.</p><p>An institutional investor who has invested in the consumer field for a long time told Tencent News \"Periscope\" that generally speaking, the reasonable range of same-store profit margins is about 20%.</p><p>Judging from the data of the first two full fiscal years, Naixue's single-store profit is not bad. According to the prospectus, Naixue's same-store profit margins were 24.9%, 25.3% and 12.6% in 2018, 2019 and the first three quarters of 2020, respectively. Among them, the same-store profit margin in 2020 will be greatly affected by the epidemic.</p><p>However, manpower accounts for a large proportion of Nayuki's cost expenditure. Naixue's prospectus shows that its labor costs remain high. In 2018, the staff cost was 340 million yuan, accounting for 31.3% of the total cost. In 2019, the staff cost was 750 million yuan, accounting for 30% of the total cost. This expenditure is similar to Naixue's material cost, which was 380 million yuan and 910 million yuan in 2018 and 2019 respectively.</p><p>In other words, as domestic labor costs gradually rise in the future, the labor expenses that Naixue needs to bear will become higher and higher. More importantly, Naixue's stores are all concentrated in first-and second-tier and quasi-second-tier cities, and labor costs in these cities will continue to be high in the foreseeable future.</p><p>Although the total cost of Naixue will be slightly diluted as the scale expands in the future, after the stores in first-and second-tier cities are saturated, as Naixue continues to sink into other cities, the benefits of a single store may decrease. This means that it will be difficult for Naixue to continue to maintain a single store profit margin of more than 20%.</p><p>An institutional investor who mainly invests in the consumer field in the secondary market told Tencent News \"Periscope\" that after studying Naixue's data, his institution finally decided not to invest.</p><p>There are not a few such investors, and some people are looking forward to the competing product Heytea, which will also be listed in Hong Kong in the future. Some investors who have seen Heytea's financial data revealed to Tencent News \"Periscope\" that compared with Naixue, Heytea's profitability is much better than Naixue's, its cost control is better, and it is more suitable for long-term holdings. investors.</p>\n<div class=\"bt-text\">\n\n\n<p> source：<a href=\"https://new.qq.com/omn/20210508/20210508A062YL00.html\">腾讯新闻</a></p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/e96e2889a7577f7ebb7f4c3b53fef19d","relate_stocks":{},"source_url":"https://new.qq.com/omn/20210508/20210508A062YL00.html","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1133900125","content_text":"5月8日，腾讯新闻《潜望》独家获悉，奈雪计划于5月13日聆讯。按照港交所上市流程，奈雪或将在6月中上旬完成上市。关于此次IPO募资的具体额度，预计奈雪将在5月最后一周确定。此外，腾讯新闻《潜望》获悉，奈雪此次计划的募资额约6亿美元。以其发行15%股份来计，奈雪预计估值约40亿美元，折合港币约310亿。截至发稿，腾讯新闻《潜望》暂未能联系奈雪及其保荐人摩根大通等置评。投资者忧奈雪估值过高奈雪在过去5年中，共进行了5次融资。除了天图资本最早开始连续三轮投资外，奈雪于2020年又获得了PAG太盟投资集团等1亿美金的融资。彭博报道称，奈雪在获得PAG太盟投资的融资后，其估值达到20亿美元。这也是奈雪在IPO前的最后一轮募资。也就是说，相较于IPO前最后一轮融资，奈雪当前的估值翻了约一倍。一些大型机构投资者对腾讯新闻《潜望》表示，奈雪是一家不错的公司，但是担心最后确定的估值太贵。之前市场传闻，奈雪估值为350亿港元。相较于奈雪今年2月启动上市时的市场情绪，当前机构投资者对于奈雪的估值较为谨慎。部分机构投资者对其估值约300亿港元，但是也有部分热衷于奈雪的机构投资者则依旧按照之前的估值，甚至还有给出400亿港元估值的。一些大型机构投资者对腾讯新闻《一线》表示，若是估值合理，会考虑下单。这些大型机构投资者的下单价格会直接影响奈雪最后定价区间。过去这一周，不少机构投资者都在紧张等待奈雪上市团队及管理层的决定，即最后敲定基石名单。腾讯新闻《潜望》获悉，希望做奈雪基石投资者的机构不少，最终的基石名单将在下周聆讯结束后敲定。奈雪三年亏损超1亿 投资者忧其赚钱能力在此前的非交易路演中，投资者对于奈雪的担忧比较集中：未来赚钱的能力。管理层给出的回答也很好理解，即随着规模起来，成本会摊薄，利润也会起来。奈雪当前依旧处于亏损状态。财报显示，奈雪于2018年、2019年以及2020年前三季度的收入分别为10.87亿、25.02亿元、21.15亿元，而其净亏损分别为6973万、3968万、2751万元。和其他快消行业一样，投资者对于奈雪招股书中的同店销售额以及同店利润等数据较为关注。奈雪招股书显示，2018年及2019年满足营业时间不少于300天的店铺为49家。仅以2018年以及2019年全年的数据来看，奈雪的同店净利润分别为145.3万元以及141.4万元。一位长期投资消费领域的机构投资者对腾讯新闻《潜望》表示，一般来说，同店利润率的合理区间大概是20%左右。前两个完整财年的数据来看，奈雪的单店利润还不错。招股书显示，奈雪的同店利润率于2018年、2019年以及2020年前三个季度分别为24.9%、25.3%以及12.6%。其中，2020年的同店利润率受疫情影响比较大。但是奈雪的成本开支中人力占比很大。奈雪的招股书显示，其人力成本居高不下，2018年员工成本为3.4亿元，占总成本的31.3%，2019年员工成本则为7.5亿，占比总成本的30%。这一项开支和奈雪的材料成本不差上下，后者2018年及2019年分别为3.8亿元及9.1亿元。也就是说，未来随着国内人力成本逐渐上涨，奈雪需要承担的人力开支将会越来越高。更为重要的是，奈雪的店铺全部集中在一二线及准二线城市，这些城市的人力成本在可预见的未来会持续高企。尽管未来奈雪随着规模的扩大，总成本会有些许摊薄，但是一二线城市店铺饱和后，奈雪继续下沉其他城市的过程中，单店效益有可能递减。这就意味着奈雪将难以继续维持单店利润率超过20%。一位主要在二级市场投资消费领域的机构投资者对腾讯新闻《潜望》表示，研究完奈雪的数据后，其所在的机构最后决定不投资。这样的投资者不在少数，也有一些人期待后续也将赴港上市的竞品喜茶。一些看过喜茶财务数据的投资者对腾讯新闻《潜望》透露，相较于奈雪来说，喜茶的盈利能力要比奈雪好很多，成本控制做得更好，更适合长期持有的投资者。","news_type":1,"symbols_score_info":{}},"isVote":1,"tweetType":1,"viewCount":2272,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":346415185,"gmtCreate":1618102081247,"gmtModify":1704706581605,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3472536105367512","idStr":"3472536105367512"},"themes":[],"htmlText":"6","listText":"6","text":"6","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/346415185","repostId":"1159965822","repostType":4,"isVote":1,"tweetType":1,"viewCount":2388,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":337485301,"gmtCreate":1611188605103,"gmtModify":1704858631516,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3472536105367512","idStr":"3472536105367512"},"themes":[],"htmlText":"666","listText":"666","text":"666","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/337485301","repostId":"1118519553","repostType":2,"repost":{"id":"1118519553","kind":"news","weMediaInfo":{"introduction":"为用户提供金融资讯、行情、数据，旨在帮助投资者理解世界，做投资决策。","home_visible":1,"media_name":"老虎资讯综合","id":"102","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1611186865,"share":"https://ttm.financial/m/news/1118519553?lang=en_US&edition=fundamental","pubTime":"2021-01-21 07:54","market":"hk","language":"zh","title":"Last night and this morning: The Biden era officially opened! All three major indexes hit record highs","url":"https://stock-news.laohu8.com/highlight/detail?id=1118519553","media":"老虎资讯综合","summary":"美三大股指齐创新高，道指涨0.83%，纳指涨近2%；拜登正式宣誓就职美国第46任总统；拜登签署一系列行政令，包括重新加入巴黎气候协定和世卫组织；美媒：特朗普考虑成立新政党，以延续政治影响力。海外市场1","content":"<p>The three major U.S. stock indexes all hit new highs, the Dow rose 0.83% and the Nasdaq rose nearly 2%; Biden was officially sworn in as the 46th President of the United States; Biden signed a series of executive orders, including rejoining the Paris Climate Agreement and WHO; US media: Trump is considering setting up a new political party to continue his political influence.<b>Overseas Market</b></p><p>1. The three major U.S. stock indexes all hit new highs! Markets expect more measures from the Biden administration</p><p>U.S. stocks opened higher and closed higher across the board on Wednesday. The three major stock indexes all hit new highs. Biden was officially sworn in as the new president of the United States to seek clues about the $1.9 trillion stimulus plan. The fear index VIX fell 7.19% to 21.57 points.</p><p>As of the close, the Dow rose 257.86 points to 31188.38 points, an increase of 0.83%; The Nasdaq rose 260.07 points to 13457.25 points, an increase of 1.97%; The S&P 500 index rose 52.94 points, or 1.39%, to 3851.85 points.</p><p>2. Chinese concept stocks closed mixed<a href=\"https://laohu8.com/S/KRKR\">36 Krypton</a>Skyrocketed 76%</p><p>Chinese concept stocks closed mixed on Wednesday, with 155 rising and 128 falling. Measuring the trend of Chinese concept stocks<a href=\"https://laohu8.com/S/BK\">Bank of New York Mellon</a>China's ADR index rose 3.34% to 862.69 points. Most new energy vehicle stocks fell.</p><p>Among well-known Chinese concept stocks,<a href=\"https://laohu8.com/S/BABA\">Alibaba</a>Up 5.54%;<a href=\"https://laohu8.com/S/BIDU\">Baidu</a>Up 4.18%;<a href=\"https://laohu8.com/S/JD\">JD.com</a>Up 4.56%;<a href=\"https://laohu8.com/S/NTES\">NetEase</a>Up 2.59%;<a href=\"https://laohu8.com/S/SINA\">SINA</a>Down 0.02%; Sina Weibo rose 2.77%;<a href=\"https://laohu8.com/S/PDD\">Pinduoduo</a>Up 1.29%;<a href=\"https://laohu8.com/S/QTT\">Interesting headlines</a>Up 13.03%;<a href=\"https://laohu8.com/S/NIO\">Nio</a>Down 1.27%;<a href=\"https://laohu8.com/S/XPEV\">XPeng vehicles</a>Down 2.56%;<a href=\"https://laohu8.com/S/LI\">Li Auto</a>Up 0.45%;<a href=\"https://laohu8.com/S/IQ\">IQiyi</a>Up 8.47%;<a href=\"https://laohu8.com/S/XNET\">Thunder</a>Down 4.84%; Momo rose 1.62%; Huanju Times fell 0.97%;<a href=\"https://laohu8.com/S/HUYA\">Tiger Tooth</a>Up 1%;<a href=\"https://laohu8.com/S/BILI\">Bilibili</a>Down 0.06%;<a href=\"https://laohu8.com/S/BEKE\">Shells</a>Up 14.9%;<a href=\"https://laohu8.com/S/BEST\">Best Group</a>It rose 5.37%, and 36 Krypton rose 76%.</p><p>3. The three major European stock indexes rose across the board, and the London stock market closed up 0.41%</p><p>The average price index of 100 stocks in the Financial Times of London stock market closed at 6,740.39 points on the 20th, up 27.44 points or 0.41% from the previous trading day. The three major European stock indexes rose across the board that day. In terms of individual stocks, service stocks led the gains among the constituent stocks of the London stock market that day.</p><p>4. Gold prices closed up 1.4%, hitting a new high in nearly two weeks, and Biden is expected to introduce more stimulus measures</p><p>Gold futures for February delivery on the New York Mercantile Exchange rose $26.30, or 1.4%, to close at $1,866.50 an ounce. According to the data provided by financial information provider FactSet, calculated by the main contract, this means that the price of gold futures hit the highest closing price since January 7.</p><p>5. The market expects the Biden administration to introduce further stimulus measures to push U.S. oil to rise for two consecutive days</p><p>West Texas Intermediate crude oil (WTI) futures for February delivery rose 26 cents, or 0.5%, to close at $53.24 a barrel on the New York Mercantile Exchange. The February WTI contract expired at the close of trading on Wednesday, and the March contract is now an immediate contract. The contract closed up 33 cents, or 0.6%, at $53.31 a barrel. At the same time, the price of North Sea Brent crude oil futures for March delivery on ICE Futures Europe in London also rose 18 cents to close at $56.08 per barrel, an increase of 0.3%.</p><p>6. Bitcoin plummeted nearly 11%! Yellen suggests reducing the use of cryptocurrencies. Is this bull market over?</p><p>In the cryptocurrency market on Wednesday, investors continued to buy Bitcoin, but failed to stop the price of the world's largest cryptocurrency from plummeting.</p><p>As of press time, Bitcoin price plunged 10.82% to $34,111.82, according to CoinDesk data. In the last 24 hours, Bitcoin price has reached a maximum of $37,689.15 and a minimum of $33,430.82. CoinDesk tracks prices from cryptocurrency exchanges such as Bitstamp, Coinbase, itBit, and Bitfinex.</p><p>Spotlight on the US election</p><p>1. Just now, Biden was officially sworn in as the 46th President of the United States</p><p>CNN just reported that Joe Biden, the President-elect of the United States and a Democrat, was officially sworn in as the 46th President of the United States.</p><p>After the inauguration, the Bidens will travel from the Capitol to the White House as usual. However, what is different from the past is that in view of COVID-19 pandemic, there will be no \"sea of people\" on both sides of Pennsylvania Avenue; In addition, traditional related celebrations are not held, but online activities and broadcast on TV.</p><p>2. Trump leaves the White House</p><p>According to CNN, current President Trump and First Lady Melania just left the White House by helicopter and went to Andrews Air Force Base, where he will hold a brief farewell ceremony. He will reportedly then travel to Florida.</p><p>3、<a href=\"https://laohu8.com/NW/2105810464\" target=\"_blank\">Biden signs a series of executive orders, including rejoining Paris climate agreement and WHO</a></p><p>World Wide Web news on January 21, Agence France-Presse news, US President Biden has just signed a series of executive orders, including rejoining the Paris Climate Agreement and the WHO.</p><p>CNN stated that Biden was sworn in on the 20th local time. After that, he entered the White House and signed a series of executive orders, memoranda and instructions to various agencies in the Oval Office of the White House.</p><p>4. Biden revokes Trump's directive and stops building the US-Mexico border wall</p><p>President-elect Biden, a Democrat of the United States, was sworn in as the 46th president of the United States in Washington, DC. According to the US Consumer News and Business Channel (CNBC), Biden signed a series of executive orders in the Oval Office that day.</p><p>These executive orders cover many aspects, including requiring mandatory wearing of masks, returning the United States to the Paris Agreement, and revoking some directives of former President Trump, such as stopping the construction of the wall on the US-Mexico border. Biden's first executive orders also include returning the U.S. to the WHO, ending the so-called Muslim travel ban and asking for an extension of the moratorium on student loan repayments.</p><p>International macro</p><p>1、<a href=\"https://laohu8.com/NW/1122485428\" target=\"_blank\">Foreign Ministry Spokesperson Announces China's Sanctions on Pompeo and Others</a></p><p>China has decided to impose sanctions on 28 people who have seriously violated China's sovereignty on China-related issues and are mainly responsible, including Pompeo, Navarro, O 'Brien, Stawell, Pottinger, Aza, Krach, Kraft, Bolton and Bannon in the Trump administration.</p><p>2. Are you brewing a \"big event\" just after leaving office? US media: Trump considers setting up a new political party to continue political influence</p><p>According to the US \"Wall Street Journal\" reported on the 19th, informed sources revealed that Trump has been discussing with people around him to form a new political party in recent days. He wants to name this party \"Patriot Party\" so that he can continue his political influence after leaving the White House.</p><p>3、<a href=\"https://laohu8.com/NW/2105486021\" target=\"_blank\">U.S. commercial real estate turnover plummets in 2020, impacted by COVID-19 pandemic</a></p><p>U.S. commercial real estate transactions fell 32% in 2020 as buyers and sellers couldn't reach a consensus on the value of real estate under the impact of the epidemic.</p><p>For the year, office property transactions fell 40%, retail real estate transactions fell 43%, and hotel transactions fell 68%, according to a report by Real Capital Analytics Inc. Apartments remain the largest volume segment, despite a 28% drop in volume for the year.</p><p>The report also reflects important geographical changes, with Manhattan dropping to the fifth largest market and Dallas ranking first.</p><p>4. The Bank of Canada announced that it would keep the benchmark interest rate unchanged at 0.25%</p><p>The Bank of Canada (central bank) announced on the 20th that it will keep the benchmark interest rate unchanged at 0.25%.</p><p>The Bank of Canada said that the decision to keep the benchmark interest rate unchanged was made after considering the continued uncertainty caused by Canada's economic situation and COVID-19 pandemic. Until the annual inflation rate reaches 2%, the current benchmark interest rate will remain unchanged.</p><p>5. The UK has 1,820 new confirmed deaths from COVID-19 in a single day, reaching the highest value again</p><p>According to the latest data from the British government website, as of January 20, local time, there were 38,905 new confirmed cases of novel coronavirus pneumonia in the UK, with a total of 3,505,754 confirmed cases; On that day, there were 1,820 new confirmed deaths in COVID-19, the highest record of new deaths in a single day since the outbreak of the epidemic in the UK appeared again on the 19th day. At present, there are 93,290 confirmed deaths in COVID-19 in the UK.</p><p>Company News</p><p>1. Baidu plans to submit a listing application in Hong Kong after the Spring Festival to confirm<a href=\"https://laohu8.com/S/GS\">Goldman Sachs</a>CITIC as sponsor</p><p>January 20th,<a href=\"https://laohu8.com/S/00700\">Tencent</a>News \"First Line\" exclusively learned that Baidu's second listing in Hong Kong has finally officially launched, and Goldman Sachs and CITIC have been identified as its listing sponsor teams, and plans to formally submit a listing application in Hong Kong after the Spring Festival.</p><p>2、<a href=\"https://laohu8.com/S/AAPL\">Apple</a>Automotive self-developed chips may be based on A12 Bionic or made of<a href=\"https://laohu8.com/S/TSM\">TSMC</a>OEM</p><p>Well-known analyst Colin Barnden recently wrote an article predicting that the self-developed chip \"C1\" used in Apple cars will be based on the A12 Bionic processor, provide many AI functions including eye tracking, and use TSMC 7 Nanometer process technology production. But in addition to TSMC, Apple may also choose<a href=\"https://laohu8.com/S/SMSN.UK\">Samsung</a>However, the latter may use the 8nm process.</p><p>3. MediaTek: In-depth cooperation with New Honor is not ruled out, which is still under evaluation</p><p>Xu Jingquan, deputy general manager of MediaTek and general manager of wireless communications division, said on January 20 that MediaTek does not rule out in-depth cooperation with New Honor, which is still under evaluation. MediaTek held an online launch conference of Dimensity new products this afternoon, officially releasing the new Dimensity flagship 5G mobile chips-Dimensity 1200 and Dimensity 1100.</p><p>4、<a href=\"https://laohu8.com/NW/2105489737\" target=\"_blank\">Amazon sends letter to US President Joe Biden saying it will help vaccination efforts</a></p><p>On Wednesday, Amazon (AMZN.US) consumer CEO Dave Clark sent a letter to U.S. President Joe Biden saying he would help vaccination efforts. Dave Clark reiterated the hope that the company's more than 800,000 frontline employees will receive the vaccine at the earliest suitable time.</p><p>5. Driven by outstanding performance of trading business<a href=\"https://laohu8.com/S/MS\">Morgan Stanley</a>Set the best annual performance in history</p><p>\"The company delivered an excellent quarter and a new all-time record full-year performance with excellent performance across all three businesses and regions,\" Morgan Stanley CEO James Gorman said in a statement Wednesday.</p><p>The company's equity business revenue rose 30% to $2.5 billion in the fourth quarter. Analysts had expected $2.15 billion.</p><p>Fixed income, currencies and commodities (FICC) trading revenue rose 31% to $1.66 billion, ahead of analysts' estimates of $1.51 billion. Many large U.S. banks struggled to meet analysts' optimistic expectations for FICC's business in the last quarter.</p><p>6. China Unicom and China Mobile: Require the New York Stock Exchange to review the delisting decision</p><p><a href=\"https://laohu8.com/S/00762\">China Unicom</a>、<a href=\"https://laohu8.com/S/CHL\">China Mobile</a>Announcement in Hong Kong: On January 20, the Company submitted a written request to the New York Stock Exchange, requesting a committee of the board of directors of the New York Stock Exchange to review the delisting decision.</p><p>7. Tesla Europe also cuts prices for Model 3 standard range version by 3,000 euros</p><p>Tesla's official website in Germany shows that the starting price of the Model 3 standard range version has been reduced to 39,990 euros. Tesla previously showed that the price of the basic model is 42,900 euros, which means that the price of this model in Germany has been reduced by 3,000 euros.</p><p>8. Oppenheimer analysts raise Tesla price target to $1,036</p><p>Optimistic about Tesla's advantages in the field of self-driving car development and the current valuation of high-growth stocks, Oppenheimer analyst Colin Rusch raised Tesla's price target to the highest on Wall Street, from the previous $486 to $1,036. Rusch said Tesla's ability to learn from data generated by more than one million vehicles already on the road is an \"extraordinary advantage.\"</p><p>9. SpaceX expands public testing of Starlink satellite Internet to the UK</p><p>SpaceX is preparing to offer Starlink satellite internet early service to the Canadian and British public. \"First in the northern U.S. and Canada, and now expanding into the UK, we're going to focus on rural and remote areas,\" Jesse Anderson, SpaceX's chief manufacturing engineer, said during a webcast of the launch on Wednesday.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Last night and this morning: The Biden era officially opened! All three major indexes hit record highs</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nLast night and this morning: The Biden era officially opened! All three major indexes hit record highs\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">老虎资讯综合 </p>\n<p class=\"h-time smaller\">2021-01-21 07:54</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>The three major U.S. stock indexes all hit new highs, the Dow rose 0.83% and the Nasdaq rose nearly 2%; Biden was officially sworn in as the 46th President of the United States; Biden signed a series of executive orders, including rejoining the Paris Climate Agreement and WHO; US media: Trump is considering setting up a new political party to continue his political influence.<b>Overseas Market</b></p><p>1. The three major U.S. stock indexes all hit new highs! Markets expect more measures from the Biden administration</p><p>U.S. stocks opened higher and closed higher across the board on Wednesday. The three major stock indexes all hit new highs. Biden was officially sworn in as the new president of the United States to seek clues about the $1.9 trillion stimulus plan. The fear index VIX fell 7.19% to 21.57 points.</p><p>As of the close, the Dow rose 257.86 points to 31188.38 points, an increase of 0.83%; The Nasdaq rose 260.07 points to 13457.25 points, an increase of 1.97%; The S&P 500 index rose 52.94 points, or 1.39%, to 3851.85 points.</p><p>2. Chinese concept stocks closed mixed<a href=\"https://laohu8.com/S/KRKR\">36 Krypton</a>Skyrocketed 76%</p><p>Chinese concept stocks closed mixed on Wednesday, with 155 rising and 128 falling. Measuring the trend of Chinese concept stocks<a href=\"https://laohu8.com/S/BK\">Bank of New York Mellon</a>China's ADR index rose 3.34% to 862.69 points. Most new energy vehicle stocks fell.</p><p>Among well-known Chinese concept stocks,<a href=\"https://laohu8.com/S/BABA\">Alibaba</a>Up 5.54%;<a href=\"https://laohu8.com/S/BIDU\">Baidu</a>Up 4.18%;<a href=\"https://laohu8.com/S/JD\">JD.com</a>Up 4.56%;<a href=\"https://laohu8.com/S/NTES\">NetEase</a>Up 2.59%;<a href=\"https://laohu8.com/S/SINA\">SINA</a>Down 0.02%; Sina Weibo rose 2.77%;<a href=\"https://laohu8.com/S/PDD\">Pinduoduo</a>Up 1.29%;<a href=\"https://laohu8.com/S/QTT\">Interesting headlines</a>Up 13.03%;<a href=\"https://laohu8.com/S/NIO\">Nio</a>Down 1.27%;<a href=\"https://laohu8.com/S/XPEV\">XPeng vehicles</a>Down 2.56%;<a href=\"https://laohu8.com/S/LI\">Li Auto</a>Up 0.45%;<a href=\"https://laohu8.com/S/IQ\">IQiyi</a>Up 8.47%;<a href=\"https://laohu8.com/S/XNET\">Thunder</a>Down 4.84%; Momo rose 1.62%; Huanju Times fell 0.97%;<a href=\"https://laohu8.com/S/HUYA\">Tiger Tooth</a>Up 1%;<a href=\"https://laohu8.com/S/BILI\">Bilibili</a>Down 0.06%;<a href=\"https://laohu8.com/S/BEKE\">Shells</a>Up 14.9%;<a href=\"https://laohu8.com/S/BEST\">Best Group</a>It rose 5.37%, and 36 Krypton rose 76%.</p><p>3. The three major European stock indexes rose across the board, and the London stock market closed up 0.41%</p><p>The average price index of 100 stocks in the Financial Times of London stock market closed at 6,740.39 points on the 20th, up 27.44 points or 0.41% from the previous trading day. The three major European stock indexes rose across the board that day. In terms of individual stocks, service stocks led the gains among the constituent stocks of the London stock market that day.</p><p>4. Gold prices closed up 1.4%, hitting a new high in nearly two weeks, and Biden is expected to introduce more stimulus measures</p><p>Gold futures for February delivery on the New York Mercantile Exchange rose $26.30, or 1.4%, to close at $1,866.50 an ounce. According to the data provided by financial information provider FactSet, calculated by the main contract, this means that the price of gold futures hit the highest closing price since January 7.</p><p>5. The market expects the Biden administration to introduce further stimulus measures to push U.S. oil to rise for two consecutive days</p><p>West Texas Intermediate crude oil (WTI) futures for February delivery rose 26 cents, or 0.5%, to close at $53.24 a barrel on the New York Mercantile Exchange. The February WTI contract expired at the close of trading on Wednesday, and the March contract is now an immediate contract. The contract closed up 33 cents, or 0.6%, at $53.31 a barrel. At the same time, the price of North Sea Brent crude oil futures for March delivery on ICE Futures Europe in London also rose 18 cents to close at $56.08 per barrel, an increase of 0.3%.</p><p>6. Bitcoin plummeted nearly 11%! Yellen suggests reducing the use of cryptocurrencies. Is this bull market over?</p><p>In the cryptocurrency market on Wednesday, investors continued to buy Bitcoin, but failed to stop the price of the world's largest cryptocurrency from plummeting.</p><p>As of press time, Bitcoin price plunged 10.82% to $34,111.82, according to CoinDesk data. In the last 24 hours, Bitcoin price has reached a maximum of $37,689.15 and a minimum of $33,430.82. CoinDesk tracks prices from cryptocurrency exchanges such as Bitstamp, Coinbase, itBit, and Bitfinex.</p><p>Spotlight on the US election</p><p>1. Just now, Biden was officially sworn in as the 46th President of the United States</p><p>CNN just reported that Joe Biden, the President-elect of the United States and a Democrat, was officially sworn in as the 46th President of the United States.</p><p>After the inauguration, the Bidens will travel from the Capitol to the White House as usual. However, what is different from the past is that in view of COVID-19 pandemic, there will be no \"sea of people\" on both sides of Pennsylvania Avenue; In addition, traditional related celebrations are not held, but online activities and broadcast on TV.</p><p>2. Trump leaves the White House</p><p>According to CNN, current President Trump and First Lady Melania just left the White House by helicopter and went to Andrews Air Force Base, where he will hold a brief farewell ceremony. He will reportedly then travel to Florida.</p><p>3、<a href=\"https://laohu8.com/NW/2105810464\" target=\"_blank\">Biden signs a series of executive orders, including rejoining Paris climate agreement and WHO</a></p><p>World Wide Web news on January 21, Agence France-Presse news, US President Biden has just signed a series of executive orders, including rejoining the Paris Climate Agreement and the WHO.</p><p>CNN stated that Biden was sworn in on the 20th local time. After that, he entered the White House and signed a series of executive orders, memoranda and instructions to various agencies in the Oval Office of the White House.</p><p>4. Biden revokes Trump's directive and stops building the US-Mexico border wall</p><p>President-elect Biden, a Democrat of the United States, was sworn in as the 46th president of the United States in Washington, DC. According to the US Consumer News and Business Channel (CNBC), Biden signed a series of executive orders in the Oval Office that day.</p><p>These executive orders cover many aspects, including requiring mandatory wearing of masks, returning the United States to the Paris Agreement, and revoking some directives of former President Trump, such as stopping the construction of the wall on the US-Mexico border. Biden's first executive orders also include returning the U.S. to the WHO, ending the so-called Muslim travel ban and asking for an extension of the moratorium on student loan repayments.</p><p>International macro</p><p>1、<a href=\"https://laohu8.com/NW/1122485428\" target=\"_blank\">Foreign Ministry Spokesperson Announces China's Sanctions on Pompeo and Others</a></p><p>China has decided to impose sanctions on 28 people who have seriously violated China's sovereignty on China-related issues and are mainly responsible, including Pompeo, Navarro, O 'Brien, Stawell, Pottinger, Aza, Krach, Kraft, Bolton and Bannon in the Trump administration.</p><p>2. Are you brewing a \"big event\" just after leaving office? US media: Trump considers setting up a new political party to continue political influence</p><p>According to the US \"Wall Street Journal\" reported on the 19th, informed sources revealed that Trump has been discussing with people around him to form a new political party in recent days. He wants to name this party \"Patriot Party\" so that he can continue his political influence after leaving the White House.</p><p>3、<a href=\"https://laohu8.com/NW/2105486021\" target=\"_blank\">U.S. commercial real estate turnover plummets in 2020, impacted by COVID-19 pandemic</a></p><p>U.S. commercial real estate transactions fell 32% in 2020 as buyers and sellers couldn't reach a consensus on the value of real estate under the impact of the epidemic.</p><p>For the year, office property transactions fell 40%, retail real estate transactions fell 43%, and hotel transactions fell 68%, according to a report by Real Capital Analytics Inc. Apartments remain the largest volume segment, despite a 28% drop in volume for the year.</p><p>The report also reflects important geographical changes, with Manhattan dropping to the fifth largest market and Dallas ranking first.</p><p>4. The Bank of Canada announced that it would keep the benchmark interest rate unchanged at 0.25%</p><p>The Bank of Canada (central bank) announced on the 20th that it will keep the benchmark interest rate unchanged at 0.25%.</p><p>The Bank of Canada said that the decision to keep the benchmark interest rate unchanged was made after considering the continued uncertainty caused by Canada's economic situation and COVID-19 pandemic. Until the annual inflation rate reaches 2%, the current benchmark interest rate will remain unchanged.</p><p>5. The UK has 1,820 new confirmed deaths from COVID-19 in a single day, reaching the highest value again</p><p>According to the latest data from the British government website, as of January 20, local time, there were 38,905 new confirmed cases of novel coronavirus pneumonia in the UK, with a total of 3,505,754 confirmed cases; On that day, there were 1,820 new confirmed deaths in COVID-19, the highest record of new deaths in a single day since the outbreak of the epidemic in the UK appeared again on the 19th day. At present, there are 93,290 confirmed deaths in COVID-19 in the UK.</p><p>Company News</p><p>1. Baidu plans to submit a listing application in Hong Kong after the Spring Festival to confirm<a href=\"https://laohu8.com/S/GS\">Goldman Sachs</a>CITIC as sponsor</p><p>January 20th,<a href=\"https://laohu8.com/S/00700\">Tencent</a>News \"First Line\" exclusively learned that Baidu's second listing in Hong Kong has finally officially launched, and Goldman Sachs and CITIC have been identified as its listing sponsor teams, and plans to formally submit a listing application in Hong Kong after the Spring Festival.</p><p>2、<a href=\"https://laohu8.com/S/AAPL\">Apple</a>Automotive self-developed chips may be based on A12 Bionic or made of<a href=\"https://laohu8.com/S/TSM\">TSMC</a>OEM</p><p>Well-known analyst Colin Barnden recently wrote an article predicting that the self-developed chip \"C1\" used in Apple cars will be based on the A12 Bionic processor, provide many AI functions including eye tracking, and use TSMC 7 Nanometer process technology production. But in addition to TSMC, Apple may also choose<a href=\"https://laohu8.com/S/SMSN.UK\">Samsung</a>However, the latter may use the 8nm process.</p><p>3. MediaTek: In-depth cooperation with New Honor is not ruled out, which is still under evaluation</p><p>Xu Jingquan, deputy general manager of MediaTek and general manager of wireless communications division, said on January 20 that MediaTek does not rule out in-depth cooperation with New Honor, which is still under evaluation. MediaTek held an online launch conference of Dimensity new products this afternoon, officially releasing the new Dimensity flagship 5G mobile chips-Dimensity 1200 and Dimensity 1100.</p><p>4、<a href=\"https://laohu8.com/NW/2105489737\" target=\"_blank\">Amazon sends letter to US President Joe Biden saying it will help vaccination efforts</a></p><p>On Wednesday, Amazon (AMZN.US) consumer CEO Dave Clark sent a letter to U.S. President Joe Biden saying he would help vaccination efforts. Dave Clark reiterated the hope that the company's more than 800,000 frontline employees will receive the vaccine at the earliest suitable time.</p><p>5. Driven by outstanding performance of trading business<a href=\"https://laohu8.com/S/MS\">Morgan Stanley</a>Set the best annual performance in history</p><p>\"The company delivered an excellent quarter and a new all-time record full-year performance with excellent performance across all three businesses and regions,\" Morgan Stanley CEO James Gorman said in a statement Wednesday.</p><p>The company's equity business revenue rose 30% to $2.5 billion in the fourth quarter. Analysts had expected $2.15 billion.</p><p>Fixed income, currencies and commodities (FICC) trading revenue rose 31% to $1.66 billion, ahead of analysts' estimates of $1.51 billion. Many large U.S. banks struggled to meet analysts' optimistic expectations for FICC's business in the last quarter.</p><p>6. China Unicom and China Mobile: Require the New York Stock Exchange to review the delisting decision</p><p><a href=\"https://laohu8.com/S/00762\">China Unicom</a>、<a href=\"https://laohu8.com/S/CHL\">China Mobile</a>Announcement in Hong Kong: On January 20, the Company submitted a written request to the New York Stock Exchange, requesting a committee of the board of directors of the New York Stock Exchange to review the delisting decision.</p><p>7. Tesla Europe also cuts prices for Model 3 standard range version by 3,000 euros</p><p>Tesla's official website in Germany shows that the starting price of the Model 3 standard range version has been reduced to 39,990 euros. Tesla previously showed that the price of the basic model is 42,900 euros, which means that the price of this model in Germany has been reduced by 3,000 euros.</p><p>8. Oppenheimer analysts raise Tesla price target to $1,036</p><p>Optimistic about Tesla's advantages in the field of self-driving car development and the current valuation of high-growth stocks, Oppenheimer analyst Colin Rusch raised Tesla's price target to the highest on Wall Street, from the previous $486 to $1,036. Rusch said Tesla's ability to learn from data generated by more than one million vehicles already on the road is an \"extraordinary advantage.\"</p><p>9. SpaceX expands public testing of Starlink satellite Internet to the UK</p><p>SpaceX is preparing to offer Starlink satellite internet early service to the Canadian and British public. \"First in the northern U.S. and Canada, and now expanding into the UK, we're going to focus on rural and remote areas,\" Jesse Anderson, SpaceX's chief manufacturing engineer, said during a webcast of the launch on Wednesday.</p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/b23574aac95526c9e5c62ebc8dd25130","relate_stocks":{},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1118519553","content_text":"美三大股指齐创新高，道指涨0.83%，纳指涨近2%；拜登正式宣誓就职美国第46任总统；拜登签署一系列行政令，包括重新加入巴黎气候协定和世卫组织；美媒：特朗普考虑成立新政党，以延续政治影响力。海外市场1、美三大股指齐创新高！市场期待拜登政府出台更多措施美股周三高开高走全线收涨，三大股指齐创新高，因奈飞等业绩超预期股价大涨，拜登正式宣誓就职美国新一任总统，以寻求有关1.9万亿美元的刺激计划相关的线索。恐慌指数VIX跌7.19%，报21.57点。截至收盘，道指涨257.86点，报31188.38点，涨幅为0.83%；纳指涨260.07点，报13457.25点，涨幅为1.97%；标普500指数涨52.94点，报3851.85点，涨幅为1.39%。2、中概股收盘涨跌不一 36氪暴涨76%中概股周三收盘涨跌不一，其中有155只上涨，128只下跌。衡量中概股走势的纽约梅隆银行中国ADR指数涨3.34%，报862.69点。新能源汽车股多数下跌。知名中概股中，阿里巴巴涨5.54%；百度涨4.18%；京东涨4.56%；网易涨2.59%；新浪跌0.02%；新浪微博涨2.77%；拼多多涨1.29%；趣头条涨13.03%；蔚来跌1.27%；小鹏汽车跌2.56%；理想汽车涨0.45%；爱奇艺涨8.47%；迅雷跌4.84%；陌陌涨1.62%；欢聚时代跌0.97%；虎牙涨1%；哔哩哔哩跌0.06%；贝壳涨14.9%；百世集团涨5.37%, 36氪涨76%。3、欧洲三大股指全线上涨 伦敦股市收涨0.41%英国伦敦股市《金融时报》100种股票平均价格指数20日报收于6740.39点，比前一交易日上涨27.44点，涨幅为0.41%。欧洲三大股指当天全线上涨。个股方面，当天伦敦股市成分股中服务类个股领涨。4、金价收涨1.4％创近两周新高 拜登料出台更多刺激措施纽约商品交易所2月份交割的黄金期货价格上涨26.30美元，报收于每盎司1866.50美元，涨幅为1.4%。据财经信息供应商FactSet提供的数据显示，按主力合约计算，这意味着黄金期货价格创下了自1月7日以来的最高收盘价。5、市场期待拜登政府进一步出台刺激措施，推动美油两连涨纽约商品交易所2月份交割的西德克萨斯轻质原油（WTI）期货价格上涨26美分，报收于每桶53.24美元，涨幅为0.5%。2月份WTI合约已在周三收盘时到期，3月份合约现已成为即月合约，该合约收盘上涨33美分，报每桶53.31美元，涨幅为0.6%。与此同时，伦敦ICE欧洲期货交易所3月份交割的北海布伦特原油期货价格也上涨18美分，报收于每桶56.08美元，涨幅为0.3%。6、比特币暴跌近11％！耶伦建议减少使用加密货币，这一波牛市到头了吗？在周三的加密货币市场上，投资者还在继续购买比特币，却未能阻止这种全球最大的加密货币的价格暴跌。CoinDesk数据显示，截至发稿，比特币价格暴跌10.82%，至34111.82美元。在过去24个小时里，比特币价格最高触及37689.15美元，最低触及33430.82美元。CoinDesk追踪来自于Bitstamp、Coinbase、itBit和Bitfinex等加密数字货币交易所的价格。聚焦美国大选1、刚刚，拜登正式宣誓就职美国第46任总统美国有线电视新闻网（CNN）刚刚消息，美国当选总统、民主党人乔·拜登正式宣誓就职成为美国第46任总统。就职典礼结束后，拜登夫妇将按惯例从国会大厦前往白宫。不过，不同以往的是，鉴于新冠疫情，宾夕法尼亚大道两旁将不会有“人山人海”的场面；此外，也不举办传统的有关庆祝活动，而是改为线上活动并通过电视播放。2、特朗普离开白宫据美国有线电视新闻网（CNN）消息，现任总统特朗普和第一夫人梅拉尼娅刚刚乘坐直升机离开白宫，前往安德鲁斯空军基地，他将在那里举行一个简短的告别仪式。据报道，他随后将前往佛罗里达州。3、拜登签署一系列行政令，包括重新加入巴黎气候协定和世卫组织环球网1月21日消息，法新社消息，美国总统拜登刚刚签署了一系列行政命令，包括重新加入巴黎气候协定和世卫组织。美国有线电视新闻网（CNN）称，拜登当地时间20日宣誓就职，此后他步入白宫，并在白宫椭圆形办公室签署一系列行政命令、备忘录和对各机构的指示。4、拜登撤销特朗普指令，停止修建美墨边境墙美国当选总统、民主党人拜登在首都华盛顿宣誓就任美国第46任总统。据美国消费者新闻与商业频道（CNBC）报道，拜登当天在椭圆办公室签署了一系列行政命令。这些行政命令囊括多个方面，包括要求强制佩戴口罩，让美国重返巴黎协定，以及撤销前总统特朗普的一些指令，如停止在美墨边境修建隔离墙。拜登的首批行政命令还包括让美国重返世卫组织，结束所谓的穆斯林旅行禁令，并要求延长暂停偿还学生贷款的期限。国际宏观1、外交部发言人宣布中方对蓬佩奥等人实施制裁中方决定对在涉华问题上严重侵犯中国主权、负有主要责任的28名人员实施制裁，包括特朗普政府中的蓬佩奥、纳瓦罗、奥布莱恩、史达伟、波廷杰、阿扎、克拉奇、克拉夫特以及博尔顿、班农等。2、刚离任就要酝酿“大事”？美媒：特朗普考虑成立新政党，以延续政治影响力据美国《华尔街日报》19日报道，知情人士透露称，特朗普最近几天正与身边人商讨组建一个新政党，他想要将这个政党命名为“爱国者党”，以便在离开白宫后能延续自己的政治影响力。3、美国2020年商业地产成交额暴跌 受新冠疫情冲击美国商业房地产交易在2020年下降了32%，因买卖双方无法就疫情冲击下的房地产价值达成共识。根据Real Capital Analytics Inc的一份报告，全年办公物业交易下降40%，零售地产交易下降43%，酒店交易下降68%。公寓仍然是交易量最大的领域，尽管全年成交量下降28%。该报告还反映了重要的地域变化，其中曼哈顿排名下降到第五大市场，达拉斯则排名第一。4、加拿大央行宣布维持0.25%基准利率不变加拿大银行(央行)20日宣布，将基准利率维持在0.25%的水平不变。加拿大银行表示，维持基准利率不变的决定，是在对加拿大经济状况和新冠疫情造成的持续不确定性进行考量后做出的。在年通胀率达到2%前，将维持目前的基准利率不变。5、英国单日新增新冠确诊死亡患者1820人 再达最高值据英国政府网站最新数据，截至当地时间1月20日，英国新增确诊新冠肺炎病例38905例，累计确诊病例3505754例；当日新增新冠确诊死亡患者1820人，继19日后再次出现英国自暴发疫情以来的单日新增死亡最高记录，目前英国累计新冠确诊死亡患者93290人。公司新闻1、百度拟春节后在港提交上市申请 确定高盛中信为保荐人1月20日 ，腾讯新闻《一线》独家获悉，百度回港第二上市终于正式启动，并确定了高盛和中信为其上市保荐团队，并计划春节后正式在港提交上市申请。2、苹果汽车自研芯片或以A12 Bionic为基础 或由台积电代工知名分析师科林·巴登（Colin Barnden）近日撰文预测，苹果汽车上使用的自研芯片“C1”将以A12 Bionic处理器为基础，提供包括眼部追踪来内的诸多AI功能，并使用台积电7纳米制程工艺生产。不过除了台积电，苹果也有可能选择三星，只是后者或会使用8纳米制程。3、联发科：不排除与新荣耀深入合作，目前还在评估中联发科副总经理暨无线通信事业部总经理徐敬全1月20日表示，联发科不排除和新荣耀进行深入合作，目前还在评估中。联发科今天下午举办天玑新品线上发布会，正式发布全新的天玑旗舰5G移动芯片——天玑1200与天玑1100。4、亚马逊致信美国总统拜登称将帮助疫苗接种工作周三，亚马逊(AMZN.US)消费者首席执行官Dave Clark致信美国总统拜登，表示将帮助疫苗接种工作。Dave Clark重申，希望公司80多万名一线员工在最早的合适时间接受疫苗注射。5、交易业务表现亮眼 推动摩根士丹利创出历史最佳年度业绩摩根士丹利首席执行官James Gorman周三在一份声明中表示：“公司的季度业绩非常好，全年业绩创出历史新纪录，所有三个业务和地区均表现出色。”该公司第四季度的股票业务收入增长了30%，达到25亿美元。分析师此前预计为21.5亿美元。固定收益、货币和大宗商品（FICC）交易收入增长了31%，至16.6亿美元，高于分析师预期的15.1亿美元。美国许多大型银行在上一季度都难以实现分析师对FICC业务的乐观预期。6、联通、移动：要求纽约证交所覆议下市决定中国联通、中国移动在港公告：于1月20日，本公司向纽约证交所提出书面要求，要求纽约证交所董事会的一个委员会覆议下市决定。7、特斯拉欧洲也降价 Model 3标准续航版降价3000欧元特斯拉德国官网显示，Model 3标准续航版起售价格下调至39990欧元，特斯拉此前显示该基本车型价格为42900欧元，这意味着在德国该款车型价格下调了3000欧元。8、Oppenheimer分析师将特斯拉目标价上调至1036美元因看好特斯拉在自动驾驶汽车开发领域的优势和目前的高成长股估值，Oppenheimer分析师Colin Rusch将特斯拉目标股价上调至华尔街最高，从之前的486美元提高到1036美元。Rusch表示，特斯拉能够从已经上路的100多万辆汽车产生的数据中学习，是“非凡的优势”。9、SpaceX将星链卫星互联网公开测试扩展至英国SpaceX正准备向加拿大和英国公众提供星链卫星互联网早期服务。SpaceX首席制造工程师杰西·安德森在周三的发射网络直播中表示：“最早是在美国北部和加拿大，现在扩展到英国，我们将把重点放在农村和偏远地区。”","news_type":1,"symbols_score_info":{}},"isVote":1,"tweetType":1,"viewCount":2328,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":336831741,"gmtCreate":1610058690983,"gmtModify":1704981860738,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3472536105367512","idStr":"3472536105367512"},"themes":[],"htmlText":"?","listText":"?","text":"?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/336831741","repostId":"1144012142","repostType":4,"repost":{"id":"1144012142","kind":"news","weMediaInfo":{"introduction":"为用户提供金融资讯、行情、数据，旨在帮助投资者理解世界，做投资决策。","home_visible":1,"media_name":"老虎资讯综合","id":"102","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1610033205,"share":"https://ttm.financial/m/news/1144012142?lang=en_US&edition=fundamental","pubTime":"2021-01-07 23:26","market":"us","language":"zh","title":"Musk's net worth rises to $185 billion, officially promoted to the world's richest man","url":"https://stock-news.laohu8.com/highlight/detail?id=1144012142","media":"老虎资讯综合","summary":"彭博亿万富豪指数显示，$特斯拉(TSLA)$CEO马斯克身价升至1850亿美元，超越$亚马逊(AMZN)$CEO贝佐斯成为世界首富。后者自2017年以来一直位于全球富豪榜榜首，目前身价约为1840亿美元。\n\n特斯拉股价在2020年增加了9倍多，加上他不菲的薪酬，其个人净资产在过去一年里增加了逾1500亿美元。与此同时，由于华盛顿方面可能加强监管，亚马逊的股价一直处于较为低迷的状态。\n\n截至发稿，特斯拉涨幅4.6%，盘中创历史新高，总市值近7500亿美元。","content":"<p>According to the Bloomberg Billionaires Index,<b><a href=\"https://laohu8.com/S/TSLA\">Tesla</a>CEO Musk's net worth rose to $185 billion, surpassing<a href=\"https://laohu8.com/S/AMZN\">Amazon</a>CEO Bezos becomes world's richest man</b>。 The latter has been at the top of the world's richest list since 2017 and is currently worth around $184 billion.</p><p>Tesla's stock price has increased more than ninfold in 2020, and with his hefty salary, his personal net worth has increased by more than $150 billion in the past year. At the same time, Amazon's share price has been in a depressed state due to the possible strengthening of regulation in Washington.</p><p>As of press time, Tesla rose 4.6%, hitting a record high during the session, with a total market value of nearly US $750 billion.</p><p><img src=\"https://static.tigerbbs.com/b773661248993fb9d9ab9415d17c9d62\" tg-width=\"840\" tg-height=\"470\"></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Musk's net worth rises to $185 billion, officially promoted to the world's richest man</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nMusk's net worth rises to $185 billion, officially promoted to the world's richest man\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">老虎资讯综合 </p>\n<p class=\"h-time smaller\">2021-01-07 23:26</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>According to the Bloomberg Billionaires Index,<b><a href=\"https://laohu8.com/S/TSLA\">Tesla</a>CEO Musk's net worth rose to $185 billion, surpassing<a href=\"https://laohu8.com/S/AMZN\">Amazon</a>CEO Bezos becomes world's richest man</b>。 The latter has been at the top of the world's richest list since 2017 and is currently worth around $184 billion.</p><p>Tesla's stock price has increased more than ninfold in 2020, and with his hefty salary, his personal net worth has increased by more than $150 billion in the past year. At the same time, Amazon's share price has been in a depressed state due to the possible strengthening of regulation in Washington.</p><p>As of press time, Tesla rose 4.6%, hitting a record high during the session, with a total market value of nearly US $750 billion.</p><p><img src=\"https://static.tigerbbs.com/b773661248993fb9d9ab9415d17c9d62\" tg-width=\"840\" tg-height=\"470\"></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/ca75b75880f0ca2e1b7f689a57bef87c","relate_stocks":{"TSLA":"特斯拉"},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1144012142","content_text":"彭博亿万富豪指数显示，特斯拉CEO马斯克身价升至1850亿美元，超越亚马逊CEO贝佐斯成为世界首富。后者自2017年以来一直位于全球富豪榜榜首，目前身价约为1840亿美元。特斯拉股价在2020年增加了9倍多，加上他不菲的薪酬，其个人净资产在过去一年里增加了逾1500亿美元。与此同时，由于华盛顿方面可能加强监管，亚马逊的股价一直处于较为低迷的状态。截至发稿，特斯拉涨幅4.6%，盘中创历史新高，总市值近7500亿美元。","news_type":1,"symbols_score_info":{"TSLA":0.9}},"isVote":1,"tweetType":1,"viewCount":2295,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":397918291,"gmtCreate":1608158079313,"gmtModify":1704973595951,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3472536105367512","idStr":"3472536105367512"},"themes":[],"htmlText":"Niu&nbsp;","listText":"Niu&nbsp;","text":"Niu","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/397918291","repostId":"1122306009","repostType":4,"repost":{"id":"1122306009","kind":"news","weMediaInfo":{"introduction":"为用户提供金融资讯、行情、数据，旨在帮助投资者理解世界，做投资决策。","home_visible":1,"media_name":"老虎资讯综合","id":"102","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1608140702,"share":"https://ttm.financial/m/news/1122306009?lang=en_US&edition=fundamental","pubTime":"2020-12-17 01:45","market":"us","language":"zh","title":"U.S. \"online lending Upstart\" Upstart went public, opening up 33%","url":"https://stock-news.laohu8.com/highlight/detail?id=1122306009","media":"老虎资讯综合","summary":"周三，美国网贷平台Upstart登陆纳斯达克，公司IPO定价20美元，今日开盘报26美元，截至发稿，大涨超33%。人工智能贷款平台Upstart成立于2012年，总部位于美国加州，是领先的人工智能（","content":"<p>On Wednesday, the US online lending platform<a href=\"https://laohu8.com/S/UPST\">Upstart</a>Landing on Nasdaq, the company's IPO was priced at US $20, and it opened at US $26 today. As of press time, it has soared by more than 33%.</p><p><img src=\"https://static.tigerbbs.com/5a40ee36c31331a4fba7ec3118400ae3\" tg-width=\"840\" tg-height=\"470\"></p><p><b>Artificial intelligence lending platform</b></p><p>Founded in 2012 and headquartered in California, Upstart is a leading artificial intelligence (AI) lending platform designed to help those in need find affordable credit while reducing risks and costs for bank partners. The original purpose of Upstart is to build the connection between young entrepreneurs and investors. In 2014, Upstart, recognizing the trend that future analytics of consumers will be better applied to the personal loan market, turned to the online lending platform it is currently in, and saw<a href=\"https://laohu8.com/S/LC\">LendingClub</a>With the rapid growth of P2P loans, it was found that so many people's loan requests could not be met by traditional banks, and the business idea of providing P2P loans to college graduates began to emerge.</p><p><img src=\"https://static.tigerbbs.com/234065ba20a5489de2adc3ec23031dc6\" tg-width=\"600\" tg-height=\"364\"></p><p>Since its inception, Upstart's banking partners have originated 620,000 personal loans, generating more than 9 million repayment events. About 70% of loans powered by Upstart in the nine months ended September 30, 2020 were fully automated.</p><p>Upstart claims to be the leading cloud-based artificial intelligence loan platform in the prospectus, but in layman's terms, it is still an online P2P loan platform. Everyone knows that a few days ago, Liu Fushou of the China Banking and Insurance Regulatory Commission said at the annual financial meeting that domestic P2P online lending institutions have completely returned to zero, so what kind of gap has prevented this American P2P company from embarking on the old path of the destruction of its Chinese counterparts?</p><p><b>Silicon Valley Star Executive</b></p><p>The co-founder and CEO of Upstart is Dave Girouard, who was the former president of Google Enterprise Apps and is widely known for single-handedly building the Google Enterprise Apps division worth more than $1 billion.</p><p><img src=\"https://static.tigerbbs.com/6cab7ad961c7bad22b91784ee0437adf\" tg-width=\"900\" tg-height=\"680\"></p><p>Girouard will own 17.7% of the company when it goes public. Google Ventures is also an investor in the company and will own 1.1% of the company's shares after it goes public.</p><p>Girouard believes there are loopholes in the current credit system. He said young people, particularly millennials, need a better vetting process to predict in advance how trustworthy they are, even if they don't currently have sufficient credit experience. Upstart is committed to solving the credit problems of young consumers through innovative big data credit reporting methods. It believes that traditional credit scores can't well describe the future repayment status of young consumers. On the contrary, the education level, background and work experience of these young people are closely related to the future financial status of these consumers.</p><p><b>Business model</b></p><p>Upstart Holding has proposed an improved machine learning-based credit scoring model that uses 1,600 new data points that more accurately describe the borrower, especially considering the college he attended, the courses he took, and even the GPA. The company has accumulated 15 billion data points (input parameters and payment data). As a result, 622,079 loans were issued using the platform. The test shows that with the help of the Upstart score, potential borrowers who qualify for a concessional loan will increase by 27%, and the rate cut on them will reach 16% on average. At the same time, the quality of loans has not deteriorated.</p><p><img src=\"https://static.tigerbbs.com/eca6be16495bb6a0d3223534e33b350a\" tg-width=\"1089\" tg-height=\"471\"></p><p>The company gets a commission from the bank and brings borrowers to the bank, which has access to a cloud-based scoring system, while borrowers get their ratings through a mobile app.</p><p>Banks can also license a white-label solution to provide scoring under their own brand, in which case Upstart acts as a sort of technology partner. It now has 10 partner banks, the largest of which is Cross River Bank. It was founded in 2008 by French entrepreneur Gilles Gayde and is currently actively cooperating with financial technologies. Its customers include operators of marketplaces, electronic payment systems, p2p landings and Ripple cryptocurrency.</p><p><b>FINANCIAL</b></p><p>According to the prospectus, Upstart's revenue in 2017, 2018, and 2019 was US $57.29 million, US $99.31 million, and US $164 million, respectively; Upstart's revenue in the first nine months of 2020 was $147 million, compared with $102 million in the same period last year.</p><p>Upstart's operating losses in 2017, 2018, and 2019 were US $7.536 million, US $7.97 million, and US $4.575 million respectively; Upstart's operating profit in the first nine months of 2020 was $1.372 million, compared with an operating loss of $8.09 million in the same period last year.</p><p><img src=\"https://static.tigerbbs.com/631f730273d1906cf81cc698c4be6842\" tg-width=\"1096\" tg-height=\"694\"></p><p>Its profits remained high despite a poor second quarter, in which its partners temporarily suspended loans at the start of the pandemic, resulting in a 71% drop in loan deals and a 47% drop in revenue. The company posted a profit of approximately $4.6 million in the first nine months of 2020, compared to net replacement of nearly $10 million in the same period last year.</p><p>As of September 30, 2020, Upstart had $53.2 million in cash and $194.6 million in total liabilities. Free cash flow was negative ($45.5 million) for the twelve months ended September 30, 2020. Judging from the prospectus, Upstart has expanded its business from personal loans to auto loans, credit cards, mortgages, student loans, point-of-sale loans, etc. In June 2020, Upstart began offering auto loans on the platform of, while in September 2020, the first auto loan was initiated through the Upstart platform.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>U.S. \"online lending Upstart\" Upstart went public, opening up 33%</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nU.S. \"online lending Upstart\" Upstart went public, opening up 33%\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">老虎资讯综合 </p>\n<p class=\"h-time smaller\">2020-12-17 01:45</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>On Wednesday, the US online lending platform<a href=\"https://laohu8.com/S/UPST\">Upstart</a>Landing on Nasdaq, the company's IPO was priced at US $20, and it opened at US $26 today. As of press time, it has soared by more than 33%.</p><p><img src=\"https://static.tigerbbs.com/5a40ee36c31331a4fba7ec3118400ae3\" tg-width=\"840\" tg-height=\"470\"></p><p><b>Artificial intelligence lending platform</b></p><p>Founded in 2012 and headquartered in California, Upstart is a leading artificial intelligence (AI) lending platform designed to help those in need find affordable credit while reducing risks and costs for bank partners. The original purpose of Upstart is to build the connection between young entrepreneurs and investors. In 2014, Upstart, recognizing the trend that future analytics of consumers will be better applied to the personal loan market, turned to the online lending platform it is currently in, and saw<a href=\"https://laohu8.com/S/LC\">LendingClub</a>With the rapid growth of P2P loans, it was found that so many people's loan requests could not be met by traditional banks, and the business idea of providing P2P loans to college graduates began to emerge.</p><p><img src=\"https://static.tigerbbs.com/234065ba20a5489de2adc3ec23031dc6\" tg-width=\"600\" tg-height=\"364\"></p><p>Since its inception, Upstart's banking partners have originated 620,000 personal loans, generating more than 9 million repayment events. About 70% of loans powered by Upstart in the nine months ended September 30, 2020 were fully automated.</p><p>Upstart claims to be the leading cloud-based artificial intelligence loan platform in the prospectus, but in layman's terms, it is still an online P2P loan platform. Everyone knows that a few days ago, Liu Fushou of the China Banking and Insurance Regulatory Commission said at the annual financial meeting that domestic P2P online lending institutions have completely returned to zero, so what kind of gap has prevented this American P2P company from embarking on the old path of the destruction of its Chinese counterparts?</p><p><b>Silicon Valley Star Executive</b></p><p>The co-founder and CEO of Upstart is Dave Girouard, who was the former president of Google Enterprise Apps and is widely known for single-handedly building the Google Enterprise Apps division worth more than $1 billion.</p><p><img src=\"https://static.tigerbbs.com/6cab7ad961c7bad22b91784ee0437adf\" tg-width=\"900\" tg-height=\"680\"></p><p>Girouard will own 17.7% of the company when it goes public. Google Ventures is also an investor in the company and will own 1.1% of the company's shares after it goes public.</p><p>Girouard believes there are loopholes in the current credit system. He said young people, particularly millennials, need a better vetting process to predict in advance how trustworthy they are, even if they don't currently have sufficient credit experience. Upstart is committed to solving the credit problems of young consumers through innovative big data credit reporting methods. It believes that traditional credit scores can't well describe the future repayment status of young consumers. On the contrary, the education level, background and work experience of these young people are closely related to the future financial status of these consumers.</p><p><b>Business model</b></p><p>Upstart Holding has proposed an improved machine learning-based credit scoring model that uses 1,600 new data points that more accurately describe the borrower, especially considering the college he attended, the courses he took, and even the GPA. The company has accumulated 15 billion data points (input parameters and payment data). As a result, 622,079 loans were issued using the platform. The test shows that with the help of the Upstart score, potential borrowers who qualify for a concessional loan will increase by 27%, and the rate cut on them will reach 16% on average. At the same time, the quality of loans has not deteriorated.</p><p><img src=\"https://static.tigerbbs.com/eca6be16495bb6a0d3223534e33b350a\" tg-width=\"1089\" tg-height=\"471\"></p><p>The company gets a commission from the bank and brings borrowers to the bank, which has access to a cloud-based scoring system, while borrowers get their ratings through a mobile app.</p><p>Banks can also license a white-label solution to provide scoring under their own brand, in which case Upstart acts as a sort of technology partner. It now has 10 partner banks, the largest of which is Cross River Bank. It was founded in 2008 by French entrepreneur Gilles Gayde and is currently actively cooperating with financial technologies. Its customers include operators of marketplaces, electronic payment systems, p2p landings and Ripple cryptocurrency.</p><p><b>FINANCIAL</b></p><p>According to the prospectus, Upstart's revenue in 2017, 2018, and 2019 was US $57.29 million, US $99.31 million, and US $164 million, respectively; Upstart's revenue in the first nine months of 2020 was $147 million, compared with $102 million in the same period last year.</p><p>Upstart's operating losses in 2017, 2018, and 2019 were US $7.536 million, US $7.97 million, and US $4.575 million respectively; Upstart's operating profit in the first nine months of 2020 was $1.372 million, compared with an operating loss of $8.09 million in the same period last year.</p><p><img src=\"https://static.tigerbbs.com/631f730273d1906cf81cc698c4be6842\" tg-width=\"1096\" tg-height=\"694\"></p><p>Its profits remained high despite a poor second quarter, in which its partners temporarily suspended loans at the start of the pandemic, resulting in a 71% drop in loan deals and a 47% drop in revenue. The company posted a profit of approximately $4.6 million in the first nine months of 2020, compared to net replacement of nearly $10 million in the same period last year.</p><p>As of September 30, 2020, Upstart had $53.2 million in cash and $194.6 million in total liabilities. Free cash flow was negative ($45.5 million) for the twelve months ended September 30, 2020. Judging from the prospectus, Upstart has expanded its business from personal loans to auto loans, credit cards, mortgages, student loans, point-of-sale loans, etc. In June 2020, Upstart began offering auto loans on the platform of, while in September 2020, the first auto loan was initiated through the Upstart platform.</p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/49d24d8a4dc222ff3937b6e467e9e863","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1122306009","content_text":"周三，美国网贷平台Upstart登陆纳斯达克，公司IPO定价20美元，今日开盘报26美元，截至发稿，大涨超33%。人工智能贷款平台Upstart成立于2012年，总部位于美国加州，是领先的人工智能（AI）贷款平台，旨在帮需要者找到负担得起的信贷，同时降低银行合作伙伴的风险和成本。Upstart最初的宗旨是构建年轻企业家和投资人的连接。2014年，Upstart认识到对消费者的未来分析将被更好地运用于个人贷款市场的趋势，就转向到了目前所处的在线借款平台，并且在看到LendingClub的迅猛增长，发现有这么多人的借贷请求时无法通过传统的银行来满足，开始产生了面向大学毕业生提供P2P贷款的商业思路。自成立以来，Upstart的银行合作伙伴已发放了62万笔个人贷款，产生了超过900万笔还款事件。截至2020年9月30日的9个月中，由Upstart提供动力的贷款中约有70％是完全自动化的。Upstart在招股书中自称是领先的基于云的人工智能贷款平台，但通俗点来说这依然是一家网上P2P贷款平台，大家都知道前几天，银保监会刘福寿在财经年会上表示，国内P2P网贷机构已经完全归零，那么到底是什么样的差距，让这家美国P2P公司没有走上中国同行全军覆灭的老路？硅谷明星高管Upstart的联合创始人兼首席执行官为Dave Girouard，他曾是谷歌企业应用前任总裁，因一手打造了价值超过10亿美元的谷歌企业应用部门而广为人知。Girouard在上市后将拥有公司17.7%的股份。谷歌风投也是该公司的投资者，在上市后将拥有该公司1.1%的股份。Girouard认为目前的信贷体系存在漏洞。他表示，年轻人，特别是千禧一代，需要一个更好的审查过程来提前预测他们的可信程度，即使他们目前没有足够的信贷经历。而Upstart通过创新的大数据征信的手段致力于解决年轻消费者的信贷难题，认为传统的信用评分并不能很好地描述年轻消费者的未来还款状况，相反，这些年轻人的教育程度和背景以及工作经历和这些消费者的未来金融状况密切相关。商业模式Upstart Holding公司提出了一种改进的基于机器学习的信用评分模型，该公司使用了1600个新的数据点，这些数据点更准确地描述了借款人，特别是考虑了他就读的学院，他所学的课程，甚至是GPA.该公司已经积累了150亿个数据点（输入参数和支付数据）。结果，使用该平台发放了622079笔贷款。测试表明，在Upstart评分的帮助下，有资格获得优惠贷款的潜在借款人将增加27%，对他们的利率下调平均将达到16%。同时，贷款质量并没有恶化。该公司从银行获得佣金，并将借款人带到银行，银行可以访问基于云计算的评分系统，而借款人可以通过移动应用程序获得他们的评级。银行也可以授权一个白标签解决方案，以自己的品牌提供评分，在这种情况下，Upstart充当了一种技术合作伙伴。它现在有10家合作银行，其中最大的是Cross River银行。它2008年由法国籍企业家Gilles Gayde创立，目前正积极与金融科技合作，它的客户包括市场、电子支付系统、p2p登陆和Ripple加密货币的运营商。财务状况招股书显示，Upstart在2017年、2018年、2019年营收分别为5729万美元、9931万美元、1.64亿美元；Upstart在2020年前9个月营收为1.47亿美元，上年同期的营收为1.02亿美元。Upstart在2017年、2018年、2019年运营亏损分别为753.6万美元、797万美元、457.5万美元；Upstart在2020年前9个月运营利润为137.2万美元，上年同期的运营亏损为809万美元。尽管第二季度业绩不佳，但其利润仍然很高，第二季度其合作伙伴在大流行开始时暂时暂停了贷款，导致第二季度的贷款交易下降了71％，收入下降了47％。该公司在2020年的前9个月中实现利润约460万美元，而去年同期的净替代接近1000万美元。截至2020年9月30日，Upstart拥有5320万美元的现金和1.946亿美元的总负债。截至2020年9月30日的十二个月内，自由现金流为负（4550万美元）。从招股书来看Upstart已经将业务从个人贷款扩展到汽车贷款，信用卡，抵押，学生贷款，销售点贷款等。2020年6月，UPstart开始在的平台上提供汽车贷款，而2020年9月，第一笔汽车贷款是通过Upstart平台发起的。","news_type":1,"symbols_score_info":{"UPST":0.9}},"isVote":1,"tweetType":1,"viewCount":1840,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":391039036,"gmtCreate":1606430160025,"gmtModify":1704965583086,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3472536105367512","idStr":"3472536105367512"},"themes":[],"htmlText":"?","listText":"?","text":"?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/391039036","repostId":"1193091081","repostType":4,"isVote":1,"tweetType":1,"viewCount":1814,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":306850206,"gmtCreate":1604356626005,"gmtModify":1704955665406,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3472536105367512","idStr":"3472536105367512"},"themes":[],"htmlText":"Mark&nbsp;","listText":"Mark&nbsp;","text":"Mark","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/306850206","repostId":"1190877170","repostType":4,"repost":{"id":"1190877170","kind":"news","weMediaInfo":{"introduction":"为用户提供金融资讯、行情、数据，旨在帮助投资者理解世界，做投资决策。","home_visible":1,"media_name":"老虎资讯综合","id":"102","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1604327521,"share":"https://ttm.financial/m/news/1190877170?lang=en_US&edition=fundamental","pubTime":"2020-11-02 22:32","market":"sh","language":"zh","title":"Opening: The three major U.S. stock indexes opened higher across the board, and Nio's stock price hit a record high","url":"https://stock-news.laohu8.com/highlight/detail?id=1190877170","media":"老虎资讯综合","summary":"11月2日（周一），美股三大股指全线高开，标普500指数上涨35.90点，涨幅1.10%，报3305.87点；纳斯达克指数上涨93.30点，涨幅0.86%，报11004.93点；道琼斯指数上涨358.","content":"<p>On November 2 (Monday), the three major U.S. stock indexes opened higher across the board, with the S&P 500 index rising 35.90 points, or 1.10%, to 3305.87 points; The Nasdaq index rose 93.30 points, or 0.86%, to 11004.93 points; The Dow Jones index rose 358.40 points, or 1.35%, to 26,860.04 points.</p><p><img src=\"https://static.tigerbbs.com/3c92b922cfecd48bf60c117a3598e055\" tg-width=\"840\" tg-height=\"470\"></p><p>New car-making forces in Chinese concept stocks generally rose. Nio Automobile rose by about 11%, and its stock price hit a record high. Deliveries in October increased by 100.1% year-on-year. Li Auto rose more than 8%, XPeng Motors rose nearly 11%, and Mavericks Electric rose more than 4%.</p><p>Lufax rose more than 6% and was included in the MSCI Global Standard Index Series and the MSCI China Full Index Series.</p><p>Anpaike rose more than 27%. The company announced today that its investment in Jiangsu Anpaike Health Management Co., Ltd. has obtained nucleic acid testing qualifications in the first half of the year. The company's medical laboratory in Jiangsu has obtained nucleic acid testing certification on October 17, and has begun to receive paid nucleic acid sample testing.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Opening: The three major U.S. stock indexes opened higher across the board, and Nio's stock price hit a record high</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nOpening: The three major U.S. stock indexes opened higher across the board, and Nio's stock price hit a record high\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">老虎资讯综合 </p>\n<p class=\"h-time smaller\">2020-11-02 22:32</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>On November 2 (Monday), the three major U.S. stock indexes opened higher across the board, with the S&P 500 index rising 35.90 points, or 1.10%, to 3305.87 points; The Nasdaq index rose 93.30 points, or 0.86%, to 11004.93 points; The Dow Jones index rose 358.40 points, or 1.35%, to 26,860.04 points.</p><p><img src=\"https://static.tigerbbs.com/3c92b922cfecd48bf60c117a3598e055\" tg-width=\"840\" tg-height=\"470\"></p><p>New car-making forces in Chinese concept stocks generally rose. Nio Automobile rose by about 11%, and its stock price hit a record high. Deliveries in October increased by 100.1% year-on-year. Li Auto rose more than 8%, XPeng Motors rose nearly 11%, and Mavericks Electric rose more than 4%.</p><p>Lufax rose more than 6% and was included in the MSCI Global Standard Index Series and the MSCI China Full Index Series.</p><p>Anpaike rose more than 27%. The company announced today that its investment in Jiangsu Anpaike Health Management Co., Ltd. has obtained nucleic acid testing qualifications in the first half of the year. The company's medical laboratory in Jiangsu has obtained nucleic acid testing certification on October 17, and has begun to receive paid nucleic acid sample testing.</p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/ff6e3231d788a5a6d28cf7965385cc7f","relate_stocks":{"LI":"理想汽车","PDD":"拼多多",".SPX":"S&P 500 Index","NIO":"蔚来","XPEV":"小鹏汽车","JD":"京东","BABA":"阿里巴巴",".DJI":"道琼斯",".IXIC":"NASDAQ 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href=\"https://laohu8.com/S/AMD\">$美国超微公司(AMD)$ </a>&nbsp;","listText":"<a href=\"https://laohu8.com/S/AMD\">$美国超微公司(AMD)$ </a>&nbsp;","text":"$美国超微公司(AMD)$","images":[{"img":"https://static.tigerbbs.com/b5a13a373f8d92cd1cbd8f8150947558","width":"898","height":"1475"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/263463593025656","isVote":1,"tweetType":1,"viewCount":1801,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":441701291058008,"gmtCreate":1748876140831,"gmtModify":1748876143656,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3472536105367512","authorIdStr":"3472536105367512"},"themes":[],"htmlText":"Sky is the limit","listText":"Sky is the limit","text":"Sky is the 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1100","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/293132061618336","isVote":1,"tweetType":1,"viewCount":1571,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":107223033,"gmtCreate":1620515235022,"gmtModify":1704344405485,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3472536105367512","authorIdStr":"3472536105367512"},"themes":[],"htmlText":"6","listText":"6","text":"6","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/107223033","repostId":"1133900125","repostType":4,"repost":{"id":"1133900125","kind":"news","pubTimestamp":1620457507,"share":"https://ttm.financial/m/news/1133900125?lang=en_US&edition=fundamental","pubTime":"2021-05-08 15:05","market":"hk","language":"zh","title":"Naixue plans to hold a hearing on the Hong Kong Stock Exchange on May 13 and is expected to be listed in mid-to-early June","url":"https://stock-news.laohu8.com/highlight/detail?id=1133900125","media":"腾讯新闻","summary":"5月8日，腾讯新闻《潜望》独家获悉，奈雪计划于5月13日聆讯。按照港交所上市流程，奈雪或将在6月中上旬完成上市。关于此次IPO募资的具体额度，预计奈雪将在5月最后一周确定。此外，腾讯新闻《潜望》获悉，","content":"<p><img src=\"https://static.tigerbbs.com/e96e2889a7577f7ebb7f4c3b53fef19d\" tg-width=\"766\" tg-height=\"503\" referrerpolicy=\"no-referrer\">On May 8, Tencent News \"Periscope\" exclusively learned that Naixue plans to hold a hearing on May 13. According to the listing process of the Hong Kong Stock Exchange, Naixue may complete its listing in mid-to-early June.</p><p>Regarding the specific amount of funds raised by this IPO, it is expected that Naixue will be determined in the last week of May. In addition, Tencent News \"Periscope\" learned that Naixue plans to raise approximately US $600 million this time. Based on its issuance of 15% shares, Naixue is expected to be valued at approximately US $4 billion, equivalent to approximately HK $31 billion.</p><p>As of press time, Tencent News \"Periscope\" has not been able to contact Naixue and its sponsor JPMorgan Chase for comment.</p><p><b>Investors worry that Naixue's valuation is too high</b></p><p>Naixue has conducted a total of 5 financings in the past 5 years. In addition to Tiantu Capital's earliest three consecutive rounds of investment, Naixue received another US $100 million in financing from PAG Taimeng Investment Group and others in 2020.</p><p>Bloomberg reported that Naixue's valuation reached $2 billion after receiving financing from PAG Pacific Alliance Investment. This is also Naixue's last round of fundraising before the IPO.</p><p>In other words, compared with the last round of financing before the IPO, Naixue's current valuation has approximately doubled.</p><p>Some large institutional investors told Tencent News \"Periscope\" that Naixue is a good company, but they are worried that the final valuation is too expensive. According to previous market rumors, Naixue is valued at HK $35 billion.</p><p>Compared with the market sentiment when Naixue launched its listing in February this year, institutional investors are currently more cautious about Naixue's valuation. Some institutional investors value it at about 30 billion Hong Kong dollars, but some institutional investors who are keen on Naixue still follow the previous valuation, and even give a valuation of 40 billion Hong Kong dollars.</p><p>Some large institutional investors told Tencent News \"First Line\" that if the valuation is reasonable, they will consider placing orders. The order prices placed by these large institutional investors will directly affect Naixue's final pricing range.</p><p>In the past week, many institutional investors have been nervously waiting for the decision of Naixue's listing team and management, that is, to finalize the cornerstone list. Tencent News \"Periscope\" learned that there are many institutions that hope to be cornerstone investors in Naixue, and the final cornerstone list will be finalized after the hearing next week.</p><p><b>Naixue has lost more than 100 million in three years, investors are worried about its ability to make money</b></p><p>In previous non-trading roadshows, investors' concerns about Naixue were more concentrated: the ability to make money in the future. The answer given by the management is also easy to understand, that is, as the scale increases, the cost will be diluted and the profit will also increase.</p><p>Naixue is still in a state of loss. The financial report shows that Naixue's revenue in 2018, 2019 and the first three quarters of 2020 was 1.087 billion yuan, 2.502 billion yuan, and 2.115 billion yuan respectively, while its net losses were 69.73 million, 39.68 million, and 27.51 million yuan respectively.</p><p>Like other fast-moving consumer goods industries, investors are more concerned about the same-store sales and same-store profits in Naixue's prospectus.</p><p>Naixue's prospectus shows that in 2018 and 2019, there were 49 stores with business hours of no less than 300 days. Based on the data of 2018 and 2019 alone, Naixue's same-store net profits were 1.453 million yuan and 1.414 million yuan respectively.</p><p>An institutional investor who has invested in the consumer field for a long time told Tencent News \"Periscope\" that generally speaking, the reasonable range of same-store profit margins is about 20%.</p><p>Judging from the data of the first two full fiscal years, Naixue's single-store profit is not bad. According to the prospectus, Naixue's same-store profit margins were 24.9%, 25.3% and 12.6% in 2018, 2019 and the first three quarters of 2020, respectively. Among them, the same-store profit margin in 2020 will be greatly affected by the epidemic.</p><p>However, manpower accounts for a large proportion of Nayuki's cost expenditure. Naixue's prospectus shows that its labor costs remain high. In 2018, the staff cost was 340 million yuan, accounting for 31.3% of the total cost. In 2019, the staff cost was 750 million yuan, accounting for 30% of the total cost. This expenditure is similar to Naixue's material cost, which was 380 million yuan and 910 million yuan in 2018 and 2019 respectively.</p><p>In other words, as domestic labor costs gradually rise in the future, the labor expenses that Naixue needs to bear will become higher and higher. More importantly, Naixue's stores are all concentrated in first-and second-tier and quasi-second-tier cities, and labor costs in these cities will continue to be high in the foreseeable future.</p><p>Although the total cost of Naixue will be slightly diluted as the scale expands in the future, after the stores in first-and second-tier cities are saturated, as Naixue continues to sink into other cities, the benefits of a single store may decrease. This means that it will be difficult for Naixue to continue to maintain a single store profit margin of more than 20%.</p><p>An institutional investor who mainly invests in the consumer field in the secondary market told Tencent News \"Periscope\" that after studying Naixue's data, his institution finally decided not to invest.</p><p>There are not a few such investors, and some people are looking forward to the competing product Heytea, which will also be listed in Hong Kong in the future. Some investors who have seen Heytea's financial data revealed to Tencent News \"Periscope\" that compared with Naixue, Heytea's profitability is much better than Naixue's, its cost control is better, and it is more suitable for long-term holdings. investors.</p>","source":"TXXW","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Naixue plans to hold a hearing on the Hong Kong Stock Exchange on May 13 and is expected to be listed in mid-to-early June</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nNaixue plans to hold a hearing on the Hong Kong Stock Exchange on May 13 and is expected to be listed in mid-to-early June\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">腾讯新闻</strong><span class=\"h-time small\">2021-05-08 15:05</span>\n</p>\n</h4>\n</header>\n<article>\n<p><img src=\"https://static.tigerbbs.com/e96e2889a7577f7ebb7f4c3b53fef19d\" tg-width=\"766\" tg-height=\"503\" referrerpolicy=\"no-referrer\">On May 8, Tencent News \"Periscope\" exclusively learned that Naixue plans to hold a hearing on May 13. According to the listing process of the Hong Kong Stock Exchange, Naixue may complete its listing in mid-to-early June.</p><p>Regarding the specific amount of funds raised by this IPO, it is expected that Naixue will be determined in the last week of May. In addition, Tencent News \"Periscope\" learned that Naixue plans to raise approximately US $600 million this time. Based on its issuance of 15% shares, Naixue is expected to be valued at approximately US $4 billion, equivalent to approximately HK $31 billion.</p><p>As of press time, Tencent News \"Periscope\" has not been able to contact Naixue and its sponsor JPMorgan Chase for comment.</p><p><b>Investors worry that Naixue's valuation is too high</b></p><p>Naixue has conducted a total of 5 financings in the past 5 years. In addition to Tiantu Capital's earliest three consecutive rounds of investment, Naixue received another US $100 million in financing from PAG Taimeng Investment Group and others in 2020.</p><p>Bloomberg reported that Naixue's valuation reached $2 billion after receiving financing from PAG Pacific Alliance Investment. This is also Naixue's last round of fundraising before the IPO.</p><p>In other words, compared with the last round of financing before the IPO, Naixue's current valuation has approximately doubled.</p><p>Some large institutional investors told Tencent News \"Periscope\" that Naixue is a good company, but they are worried that the final valuation is too expensive. According to previous market rumors, Naixue is valued at HK $35 billion.</p><p>Compared with the market sentiment when Naixue launched its listing in February this year, institutional investors are currently more cautious about Naixue's valuation. Some institutional investors value it at about 30 billion Hong Kong dollars, but some institutional investors who are keen on Naixue still follow the previous valuation, and even give a valuation of 40 billion Hong Kong dollars.</p><p>Some large institutional investors told Tencent News \"First Line\" that if the valuation is reasonable, they will consider placing orders. The order prices placed by these large institutional investors will directly affect Naixue's final pricing range.</p><p>In the past week, many institutional investors have been nervously waiting for the decision of Naixue's listing team and management, that is, to finalize the cornerstone list. Tencent News \"Periscope\" learned that there are many institutions that hope to be cornerstone investors in Naixue, and the final cornerstone list will be finalized after the hearing next week.</p><p><b>Naixue has lost more than 100 million in three years, investors are worried about its ability to make money</b></p><p>In previous non-trading roadshows, investors' concerns about Naixue were more concentrated: the ability to make money in the future. The answer given by the management is also easy to understand, that is, as the scale increases, the cost will be diluted and the profit will also increase.</p><p>Naixue is still in a state of loss. The financial report shows that Naixue's revenue in 2018, 2019 and the first three quarters of 2020 was 1.087 billion yuan, 2.502 billion yuan, and 2.115 billion yuan respectively, while its net losses were 69.73 million, 39.68 million, and 27.51 million yuan respectively.</p><p>Like other fast-moving consumer goods industries, investors are more concerned about the same-store sales and same-store profits in Naixue's prospectus.</p><p>Naixue's prospectus shows that in 2018 and 2019, there were 49 stores with business hours of no less than 300 days. Based on the data of 2018 and 2019 alone, Naixue's same-store net profits were 1.453 million yuan and 1.414 million yuan respectively.</p><p>An institutional investor who has invested in the consumer field for a long time told Tencent News \"Periscope\" that generally speaking, the reasonable range of same-store profit margins is about 20%.</p><p>Judging from the data of the first two full fiscal years, Naixue's single-store profit is not bad. According to the prospectus, Naixue's same-store profit margins were 24.9%, 25.3% and 12.6% in 2018, 2019 and the first three quarters of 2020, respectively. Among them, the same-store profit margin in 2020 will be greatly affected by the epidemic.</p><p>However, manpower accounts for a large proportion of Nayuki's cost expenditure. Naixue's prospectus shows that its labor costs remain high. In 2018, the staff cost was 340 million yuan, accounting for 31.3% of the total cost. In 2019, the staff cost was 750 million yuan, accounting for 30% of the total cost. This expenditure is similar to Naixue's material cost, which was 380 million yuan and 910 million yuan in 2018 and 2019 respectively.</p><p>In other words, as domestic labor costs gradually rise in the future, the labor expenses that Naixue needs to bear will become higher and higher. More importantly, Naixue's stores are all concentrated in first-and second-tier and quasi-second-tier cities, and labor costs in these cities will continue to be high in the foreseeable future.</p><p>Although the total cost of Naixue will be slightly diluted as the scale expands in the future, after the stores in first-and second-tier cities are saturated, as Naixue continues to sink into other cities, the benefits of a single store may decrease. This means that it will be difficult for Naixue to continue to maintain a single store profit margin of more than 20%.</p><p>An institutional investor who mainly invests in the consumer field in the secondary market told Tencent News \"Periscope\" that after studying Naixue's data, his institution finally decided not to invest.</p><p>There are not a few such investors, and some people are looking forward to the competing product Heytea, which will also be listed in Hong Kong in the future. Some investors who have seen Heytea's financial data revealed to Tencent News \"Periscope\" that compared with Naixue, Heytea's profitability is much better than Naixue's, its cost control is better, and it is more suitable for long-term holdings. investors.</p>\n<div class=\"bt-text\">\n\n\n<p> source：<a href=\"https://new.qq.com/omn/20210508/20210508A062YL00.html\">腾讯新闻</a></p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/e96e2889a7577f7ebb7f4c3b53fef19d","relate_stocks":{},"source_url":"https://new.qq.com/omn/20210508/20210508A062YL00.html","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1133900125","content_text":"5月8日，腾讯新闻《潜望》独家获悉，奈雪计划于5月13日聆讯。按照港交所上市流程，奈雪或将在6月中上旬完成上市。关于此次IPO募资的具体额度，预计奈雪将在5月最后一周确定。此外，腾讯新闻《潜望》获悉，奈雪此次计划的募资额约6亿美元。以其发行15%股份来计，奈雪预计估值约40亿美元，折合港币约310亿。截至发稿，腾讯新闻《潜望》暂未能联系奈雪及其保荐人摩根大通等置评。投资者忧奈雪估值过高奈雪在过去5年中，共进行了5次融资。除了天图资本最早开始连续三轮投资外，奈雪于2020年又获得了PAG太盟投资集团等1亿美金的融资。彭博报道称，奈雪在获得PAG太盟投资的融资后，其估值达到20亿美元。这也是奈雪在IPO前的最后一轮募资。也就是说，相较于IPO前最后一轮融资，奈雪当前的估值翻了约一倍。一些大型机构投资者对腾讯新闻《潜望》表示，奈雪是一家不错的公司，但是担心最后确定的估值太贵。之前市场传闻，奈雪估值为350亿港元。相较于奈雪今年2月启动上市时的市场情绪，当前机构投资者对于奈雪的估值较为谨慎。部分机构投资者对其估值约300亿港元，但是也有部分热衷于奈雪的机构投资者则依旧按照之前的估值，甚至还有给出400亿港元估值的。一些大型机构投资者对腾讯新闻《一线》表示，若是估值合理，会考虑下单。这些大型机构投资者的下单价格会直接影响奈雪最后定价区间。过去这一周，不少机构投资者都在紧张等待奈雪上市团队及管理层的决定，即最后敲定基石名单。腾讯新闻《潜望》获悉，希望做奈雪基石投资者的机构不少，最终的基石名单将在下周聆讯结束后敲定。奈雪三年亏损超1亿 投资者忧其赚钱能力在此前的非交易路演中，投资者对于奈雪的担忧比较集中：未来赚钱的能力。管理层给出的回答也很好理解，即随着规模起来，成本会摊薄，利润也会起来。奈雪当前依旧处于亏损状态。财报显示，奈雪于2018年、2019年以及2020年前三季度的收入分别为10.87亿、25.02亿元、21.15亿元，而其净亏损分别为6973万、3968万、2751万元。和其他快消行业一样，投资者对于奈雪招股书中的同店销售额以及同店利润等数据较为关注。奈雪招股书显示，2018年及2019年满足营业时间不少于300天的店铺为49家。仅以2018年以及2019年全年的数据来看，奈雪的同店净利润分别为145.3万元以及141.4万元。一位长期投资消费领域的机构投资者对腾讯新闻《潜望》表示，一般来说，同店利润率的合理区间大概是20%左右。前两个完整财年的数据来看，奈雪的单店利润还不错。招股书显示，奈雪的同店利润率于2018年、2019年以及2020年前三个季度分别为24.9%、25.3%以及12.6%。其中，2020年的同店利润率受疫情影响比较大。但是奈雪的成本开支中人力占比很大。奈雪的招股书显示，其人力成本居高不下，2018年员工成本为3.4亿元，占总成本的31.3%，2019年员工成本则为7.5亿，占比总成本的30%。这一项开支和奈雪的材料成本不差上下，后者2018年及2019年分别为3.8亿元及9.1亿元。也就是说，未来随着国内人力成本逐渐上涨，奈雪需要承担的人力开支将会越来越高。更为重要的是，奈雪的店铺全部集中在一二线及准二线城市，这些城市的人力成本在可预见的未来会持续高企。尽管未来奈雪随着规模的扩大，总成本会有些许摊薄，但是一二线城市店铺饱和后，奈雪继续下沉其他城市的过程中，单店效益有可能递减。这就意味着奈雪将难以继续维持单店利润率超过20%。一位主要在二级市场投资消费领域的机构投资者对腾讯新闻《潜望》表示，研究完奈雪的数据后，其所在的机构最后决定不投资。这样的投资者不在少数，也有一些人期待后续也将赴港上市的竞品喜茶。一些看过喜茶财务数据的投资者对腾讯新闻《潜望》透露，相较于奈雪来说，喜茶的盈利能力要比奈雪好很多，成本控制做得更好，更适合长期持有的投资者。","news_type":1,"symbols_score_info":{}},"isVote":1,"tweetType":1,"viewCount":2272,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":470320270197032,"gmtCreate":1755855896339,"gmtModify":1755855899392,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3472536105367512","authorIdStr":"3472536105367512"},"themes":[],"htmlText":"TQQQ buy the dip！","listText":"TQQQ buy the dip！","text":"TQQQ buy the dip！","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/470320270197032","isVote":1,"tweetType":1,"viewCount":662,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":265311730909368,"gmtCreate":1705795719272,"gmtModify":1705795724821,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3472536105367512","authorIdStr":"3472536105367512"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/AAPL\">$苹果(AAPL)$ </a>&nbsp;","listText":"<a href=\"https://laohu8.com/S/AAPL\">$苹果(AAPL)$ </a>&nbsp;","text":"$苹果(AAPL)$","images":[{"img":"https://static.tigerbbs.com/c099a15a0e39231f450e57cbc4296a08","width":"898","height":"1475"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/265311730909368","isVote":1,"tweetType":1,"viewCount":1632,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":137110318,"gmtCreate":1622327392734,"gmtModify":1704182942508,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3472536105367512","authorIdStr":"3472536105367512"},"themes":[],"htmlText":"Mark&nbsp;","listText":"Mark&nbsp;","text":"Mark","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/137110318","repostId":"1175020249","repostType":4,"repost":{"id":"1175020249","kind":"news","weMediaInfo":{"introduction":"格上理财旗下专注私募行业的微信公众号。每天精选私募行业动态、私募大佬观点、私募研究报告与您分享，同时涵盖宏观经济、个股、投资理念方面的精华文章。了解私募行业，关注格上私募圈！","home_visible":1,"media_name":"格上私募圈","id":"1083023659","head_image":"https://static.tigerbbs.com/61a7d3b4f53e4a8b81be4c739ded31f5"},"pubTimestamp":1622251774,"share":"https://ttm.financial/m/news/1175020249?lang=en_US&edition=fundamental","pubTime":"2021-05-29 09:29","market":"us","language":"zh","title":"Philosophy in Investing: The Game of Finite and Infinite","url":"https://stock-news.laohu8.com/highlight/detail?id=1175020249","media":"格上私募圈","summary":"2020年9月25日，詹姆斯·卡斯在他位于马塞诸塞州的家中去世，享年87岁。他是宗教学者、历史学家，他曾经是纽约大学的明星老师，所教授的课程场场爆满。更重要的是，他是《有限与无限的游戏》一书的作者。\n","content":"<p>James Cass passed away on September 25, 2020 at his home in Massachusetts at the age of 87. He is a religious scholar and historian. He used to be a star teacher at new york University, and the courses he taught were full. More importantly, he is the author of The Game of Finite and Infinite.</p><p>This book, written in 1987, is a very magical book, which has influenced many people. The book is not long, and it is composed of 101 short chapters. It tells a philosophical truth in plain language.</p><p>He regards the world as a \"game\" and believes that there are at least two kinds of games in the world. One can be called a finite game and the other an infinite game. Limited games are aimed at winning, while infinite games are aimed at continuing games.</p><p>He thought about time, society, culture, power, language, disease, death, war, nature, machines, religion, myth, all the important themes we encounter in the world one by one through the clue of \"two kinds of games\".</p><p>Cass pointed out that human society is often easy to stagnate in the finite game that has ended, or be imprisoned in the finite game without knowing it. Things like war, autocracy, environmental pollution, intolerance of the other, great fear of disease and death, and so on, are all negative products of limited games.</p><p>Therefore, we all need a transformation of game concept, because limited games are games that draw the ground as prison, and need to establish boundaries and rules, while infinite games are open and need to break through boundaries and rules.</p><p>Kevin Kelly, author of Out of Control, even more said: This book changed my view of life, the universe and everything else. The difference between the two games lifted my hesitation about what I should do next. It's simple:<b>Always choose unlimited games.</b></p><p>As a religious scholar, he is an atheist, because he is fascinated by \"the unknowable being as human\", which is exactly what he calls the infinite game.</p><p>In the last few years of his life, although he suffered from cancer and chemotherapy, his computer was still full of working manuscripts, and he published his first novel in 2016. Maybe he thought that death was not an insurmountable boundary, and he was still playing his infinite game.</p><p>The following is selected from Chapter 2 of \"The Game of Finite and Infinite\" \"No one can play games alone\". I wish you a beneficial opening!</p><p>Participants in the infinite game strictly distinguish society from culture in their own political activities. They understand society as the sum of relationships bound by politics, while culture is the interaction between people under non-directional choices.</p><p>If society is the sum total of what people think they must do, then culture is \"a country of change and freedom, which is not necessarily universally applicable, and authority can't be said here\".</p><p>Let's not confuse the understanding of society by the participants of the infinite game with cost-able actions or other unconscious actions. Like limited competition, society is entirely in our free choice:<b>No matter how time-consuming and laborious it is for the participants, it never stops the participants from withdrawing from the competition. It is only in certain areas that are considered necessary that society embodies its compulsory nature.</b></p><p><img src=\"https://static.tigerbbs.com/80c2dd3214271ea6666ba033b9ce9671\" tg-width=\"399\" tg-height=\"280\" referrerpolicy=\"no-referrer\"></p><p><b>Photo: James Cass (1932-2020)</b></p><p>Just as infinite games cannot be confined to finite games, culture must not become real culture if it is trapped in social boundaries.</p><p>Of course, societies often use the strategy of initiating or embracing a certain culture as the exclusive and exclusive thing of that society. A culture that has been painted as a prison may even be greatly supported and encouraged by the society, but it is just cloaked in an open cloak. In fact, it is designed to serve social purposes without exception.</p><p>Therefore, society and culture are not really at odds. In fact, society is a type of culture, and it insists on opposing itself. Society is an effort to organize freely, devoted to hiding the freedom of the organizer and the organized, to forgetting that we have consciously forgotten the original intention of entering this or that competition and to continue the competition.</p><p><b>Society</b></p><p>If society is understood as everything people do under the veil of necessity, it should also be regarded as a limited game, which contains a certain number of small games within its boundaries.</p><p>Big society includes a large number of various games, although these games are all linked to some extent, because they all affect the ultimate social status.</p><p>In this sense, the school is a kind of limited game by issuing degree certificates with different gold content to those who have obtained degrees. These degree certificates provide graduates with qualifications in higher-level games. For example, after students from some famous schools or some vocational colleges graduate, there are a series of higher-level competitions in each vocational field. Many families also see themselves as a competitive unit in a larger limited game, training family members to win visible social titles.</p><p>Like finite games, society has boundaries in quantity, space and time. Its citizens are precisely defined, its territory is sacrosanct, and its history is worshipped.</p><p>The power of citizens in society is determined by their achievements in the games they have participated in. Society preserves the memory of the winners in history. Its recording and preservation functions are crucial to social order. A large number of rights and interests of members of society need to be confirmed, and the huge bureaucratic system originates from this need.</p><p>The power of a society is obtained by defeating other societies in a limited game at a higher level. Its most cherished memory is the martyrs who lost their lives to win in the war with Gentiles. The victims of the losing side of the war are almost never commemorated.</p><p><b>The power in society is guaranteed and improved by the power of the society itself.</b></p><p>Only when a society maintains holistic power in its relations with other societies can the rewards won by its members be defended. Members of society who want to make their rewards permanent will try their best to maintain the permanence of this social reward.</p><p>Patriotism, in one or more of its forms (chauvinism, racism, sexism, nationalism and religiosity), becomes an integral part of all social games.</p><p>Because power is patriotic in nature, the typical feature of limited game participants is to pursue the growth of power in society as a way to improve the power of society itself.</p><p>It is for the benefit of society itself that all kinds of competition in society are encouraged, and as many rewards as possible are established, because the rewarded person will be the most likely to risk his life to defend the whole society from being defeated by other competing societies.</p><p><b>Culture</b></p><p><b>Culture is an infinite game.</b>Culture has no boundaries. In a culture, everyone can become a participant, no matter where and at any time.</p><p>Because a society carefully maintains the boundaries of time, it understands its past as a kind of destiny, or destiny. That is to say, its historical track has a clear starting point (the founder of a certain society is always particularly commemorated) and a clear end (its successful nature is repeatedly reflected in official slogans such as \"according to his ability, according to his work\").</p><p>Because culture has no time boundary, culture does not understand its past as fate, but as history, that is, a narrative that has begun but always points to infinite openness. Culture is a human enterprise that refuses to save itself from surprise. Living in such a powerful picture, they avoid power and happily play various games to expand their boundaries.</p><p><b>Society is a display of power.</b>It is scripted, with an established script, and the deviation from the script will be obvious immediately. Deviation from the norm is antisocial and therefore prohibited by society through various sanctions.</p><p>The reason why transgression is banned is simple. If members of society do not abide by the inherent rules of society, then the number of rules will change, and some of them will be abandoned completely, which will mean that past winners can no longer be guaranteed ceremonial recognition of their titles and thus lose power-just like Russian princes after the Russian Revolution.</p><p>It is an important function of society to ensure that the rules of many games are not tampered with. Processes such as academic review, licensing of trade and profession, appointment of religious office, approval of official appointments by Congress, and inauguration of political leaders are all social approval for certain people to compete in a specific limited game.</p><p>Deviance, however, is the essence of culture. Anyone who just follows the script and repeats the past is culturally destitute.</p><p>The nature of deviance varies, and not all deviations from the past have cultural significance. Cutting ties with the past, leading to forgetting the past, are practices that are culturally worthless. It is meaningful to bring new ways of thinking to tradition, make us feel strange to what we were once familiar, and re-examine everything we have.</p><p>Cultural deviation does not bring us back to the past, but continues what began in the past and has not ended yet. Social customs, on the other hand, require a complete repetition of the past in the future. Society is obsessed with immortality, and culture laughs and harps with unknowable possibilities. Society is abstract, culture is concrete.</p><p><b>Limited games are able to be played countless times over and over again.</b>Admittedly, the winner of a game always wins in a specific game at a certain time, but the validity of the title they win depends on the repetition of this game. We commemorate the great early rugby players, but if rugby disappears, I'm afraid we won't remember them within ten years.</p><p>As we have seen, because the infinite game cannot have an end, it cannot be repeated either. Non-repeatability is typical of all cultures. Mozart's Symphony No. 41 can't be composed again, and Rembrandt's self-portrait can't be painted twice. Society preserves these works, thinking that they are the results of those winners in their respective games.</p><p>However, culture does not regard these works as the product of struggle, but as moments in the process of struggle-culture is the struggle itself.</p><p>Culture inherits Mozart and Rembrandt's inheritance of culture, and their inheritance of culture is through their own work:<b>Original or adaptive shaping of the tradition they have received. Their work is so original that others can't copy it, but it calls for original responses from others.</b></p><p>Just as infinite games have their own rules, cultures have their own traditions. The rules in the infinite game can be freely reached or changed, and cultural traditions will also be transformed and changed in the transformation.</p><p>To be precise, culture does not have a tradition, it is a tradition in itself.</p><p>----------------------------------------------------</p><p>Share good news with Tiger friends, Tiger currently supports placing orders on weekends! Pre-pending orders are a value-added service provided by Tiger for users, which can support users to place orders during non-trading periods. Currently, they support three order types: stop loss orders, stop loss limit orders, and limit orders.</p><p>In other words, users can place pending orders during market holidays, such as weekends and other holidays. The orders are saved by Tiger's trading system and automatically submitted to the exchange after the market opens.</p><p><a href=\"https://www.laohu8.com/post/131820269\" target=\"_blank\">Click for details > > ></a></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Philosophy in Investing: The Game of Finite and Infinite</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nPhilosophy in Investing: The Game of Finite and Infinite\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1083023659\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/61a7d3b4f53e4a8b81be4c739ded31f5);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">格上私募圈 </p>\n<p class=\"h-time smaller\">2021-05-29 09:29</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>James Cass passed away on September 25, 2020 at his home in Massachusetts at the age of 87. He is a religious scholar and historian. He used to be a star teacher at new york University, and the courses he taught were full. More importantly, he is the author of The Game of Finite and Infinite.</p><p>This book, written in 1987, is a very magical book, which has influenced many people. The book is not long, and it is composed of 101 short chapters. It tells a philosophical truth in plain language.</p><p>He regards the world as a \"game\" and believes that there are at least two kinds of games in the world. One can be called a finite game and the other an infinite game. Limited games are aimed at winning, while infinite games are aimed at continuing games.</p><p>He thought about time, society, culture, power, language, disease, death, war, nature, machines, religion, myth, all the important themes we encounter in the world one by one through the clue of \"two kinds of games\".</p><p>Cass pointed out that human society is often easy to stagnate in the finite game that has ended, or be imprisoned in the finite game without knowing it. Things like war, autocracy, environmental pollution, intolerance of the other, great fear of disease and death, and so on, are all negative products of limited games.</p><p>Therefore, we all need a transformation of game concept, because limited games are games that draw the ground as prison, and need to establish boundaries and rules, while infinite games are open and need to break through boundaries and rules.</p><p>Kevin Kelly, author of Out of Control, even more said: This book changed my view of life, the universe and everything else. The difference between the two games lifted my hesitation about what I should do next. It's simple:<b>Always choose unlimited games.</b></p><p>As a religious scholar, he is an atheist, because he is fascinated by \"the unknowable being as human\", which is exactly what he calls the infinite game.</p><p>In the last few years of his life, although he suffered from cancer and chemotherapy, his computer was still full of working manuscripts, and he published his first novel in 2016. Maybe he thought that death was not an insurmountable boundary, and he was still playing his infinite game.</p><p>The following is selected from Chapter 2 of \"The Game of Finite and Infinite\" \"No one can play games alone\". I wish you a beneficial opening!</p><p>Participants in the infinite game strictly distinguish society from culture in their own political activities. They understand society as the sum of relationships bound by politics, while culture is the interaction between people under non-directional choices.</p><p>If society is the sum total of what people think they must do, then culture is \"a country of change and freedom, which is not necessarily universally applicable, and authority can't be said here\".</p><p>Let's not confuse the understanding of society by the participants of the infinite game with cost-able actions or other unconscious actions. Like limited competition, society is entirely in our free choice:<b>No matter how time-consuming and laborious it is for the participants, it never stops the participants from withdrawing from the competition. It is only in certain areas that are considered necessary that society embodies its compulsory nature.</b></p><p><img src=\"https://static.tigerbbs.com/80c2dd3214271ea6666ba033b9ce9671\" tg-width=\"399\" tg-height=\"280\" referrerpolicy=\"no-referrer\"></p><p><b>Photo: James Cass (1932-2020)</b></p><p>Just as infinite games cannot be confined to finite games, culture must not become real culture if it is trapped in social boundaries.</p><p>Of course, societies often use the strategy of initiating or embracing a certain culture as the exclusive and exclusive thing of that society. A culture that has been painted as a prison may even be greatly supported and encouraged by the society, but it is just cloaked in an open cloak. In fact, it is designed to serve social purposes without exception.</p><p>Therefore, society and culture are not really at odds. In fact, society is a type of culture, and it insists on opposing itself. Society is an effort to organize freely, devoted to hiding the freedom of the organizer and the organized, to forgetting that we have consciously forgotten the original intention of entering this or that competition and to continue the competition.</p><p><b>Society</b></p><p>If society is understood as everything people do under the veil of necessity, it should also be regarded as a limited game, which contains a certain number of small games within its boundaries.</p><p>Big society includes a large number of various games, although these games are all linked to some extent, because they all affect the ultimate social status.</p><p>In this sense, the school is a kind of limited game by issuing degree certificates with different gold content to those who have obtained degrees. These degree certificates provide graduates with qualifications in higher-level games. For example, after students from some famous schools or some vocational colleges graduate, there are a series of higher-level competitions in each vocational field. Many families also see themselves as a competitive unit in a larger limited game, training family members to win visible social titles.</p><p>Like finite games, society has boundaries in quantity, space and time. Its citizens are precisely defined, its territory is sacrosanct, and its history is worshipped.</p><p>The power of citizens in society is determined by their achievements in the games they have participated in. Society preserves the memory of the winners in history. Its recording and preservation functions are crucial to social order. A large number of rights and interests of members of society need to be confirmed, and the huge bureaucratic system originates from this need.</p><p>The power of a society is obtained by defeating other societies in a limited game at a higher level. Its most cherished memory is the martyrs who lost their lives to win in the war with Gentiles. The victims of the losing side of the war are almost never commemorated.</p><p><b>The power in society is guaranteed and improved by the power of the society itself.</b></p><p>Only when a society maintains holistic power in its relations with other societies can the rewards won by its members be defended. Members of society who want to make their rewards permanent will try their best to maintain the permanence of this social reward.</p><p>Patriotism, in one or more of its forms (chauvinism, racism, sexism, nationalism and religiosity), becomes an integral part of all social games.</p><p>Because power is patriotic in nature, the typical feature of limited game participants is to pursue the growth of power in society as a way to improve the power of society itself.</p><p>It is for the benefit of society itself that all kinds of competition in society are encouraged, and as many rewards as possible are established, because the rewarded person will be the most likely to risk his life to defend the whole society from being defeated by other competing societies.</p><p><b>Culture</b></p><p><b>Culture is an infinite game.</b>Culture has no boundaries. In a culture, everyone can become a participant, no matter where and at any time.</p><p>Because a society carefully maintains the boundaries of time, it understands its past as a kind of destiny, or destiny. That is to say, its historical track has a clear starting point (the founder of a certain society is always particularly commemorated) and a clear end (its successful nature is repeatedly reflected in official slogans such as \"according to his ability, according to his work\").</p><p>Because culture has no time boundary, culture does not understand its past as fate, but as history, that is, a narrative that has begun but always points to infinite openness. Culture is a human enterprise that refuses to save itself from surprise. Living in such a powerful picture, they avoid power and happily play various games to expand their boundaries.</p><p><b>Society is a display of power.</b>It is scripted, with an established script, and the deviation from the script will be obvious immediately. Deviation from the norm is antisocial and therefore prohibited by society through various sanctions.</p><p>The reason why transgression is banned is simple. If members of society do not abide by the inherent rules of society, then the number of rules will change, and some of them will be abandoned completely, which will mean that past winners can no longer be guaranteed ceremonial recognition of their titles and thus lose power-just like Russian princes after the Russian Revolution.</p><p>It is an important function of society to ensure that the rules of many games are not tampered with. Processes such as academic review, licensing of trade and profession, appointment of religious office, approval of official appointments by Congress, and inauguration of political leaders are all social approval for certain people to compete in a specific limited game.</p><p>Deviance, however, is the essence of culture. Anyone who just follows the script and repeats the past is culturally destitute.</p><p>The nature of deviance varies, and not all deviations from the past have cultural significance. Cutting ties with the past, leading to forgetting the past, are practices that are culturally worthless. It is meaningful to bring new ways of thinking to tradition, make us feel strange to what we were once familiar, and re-examine everything we have.</p><p>Cultural deviation does not bring us back to the past, but continues what began in the past and has not ended yet. Social customs, on the other hand, require a complete repetition of the past in the future. Society is obsessed with immortality, and culture laughs and harps with unknowable possibilities. Society is abstract, culture is concrete.</p><p><b>Limited games are able to be played countless times over and over again.</b>Admittedly, the winner of a game always wins in a specific game at a certain time, but the validity of the title they win depends on the repetition of this game. We commemorate the great early rugby players, but if rugby disappears, I'm afraid we won't remember them within ten years.</p><p>As we have seen, because the infinite game cannot have an end, it cannot be repeated either. Non-repeatability is typical of all cultures. Mozart's Symphony No. 41 can't be composed again, and Rembrandt's self-portrait can't be painted twice. Society preserves these works, thinking that they are the results of those winners in their respective games.</p><p>However, culture does not regard these works as the product of struggle, but as moments in the process of struggle-culture is the struggle itself.</p><p>Culture inherits Mozart and Rembrandt's inheritance of culture, and their inheritance of culture is through their own work:<b>Original or adaptive shaping of the tradition they have received. Their work is so original that others can't copy it, but it calls for original responses from others.</b></p><p>Just as infinite games have their own rules, cultures have their own traditions. The rules in the infinite game can be freely reached or changed, and cultural traditions will also be transformed and changed in the transformation.</p><p>To be precise, culture does not have a tradition, it is a tradition in itself.</p><p>----------------------------------------------------</p><p>Share good news with Tiger friends, Tiger currently supports placing orders on weekends! Pre-pending orders are a value-added service provided by Tiger for users, which can support users to place orders during non-trading periods. Currently, they support three order types: stop loss orders, stop loss limit orders, and limit orders.</p><p>In other words, users can place pending orders during market holidays, such as weekends and other holidays. The orders are saved by Tiger's trading system and automatically submitted to the exchange after the market opens.</p><p><a href=\"https://www.laohu8.com/post/131820269\" target=\"_blank\">Click for details > > ></a></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/ccb8c14a6fc1912ba7f4d101042b451e","relate_stocks":{},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1175020249","content_text":"2020年9月25日，詹姆斯·卡斯在他位于马塞诸塞州的家中去世，享年87岁。他是宗教学者、历史学家，他曾经是纽约大学的明星老师，所教授的课程场场爆满。更重要的是，他是《有限与无限的游戏》一书的作者。\n这本写于1987年的书，是一本非常神奇的著作，影响了不少人。全书篇幅不长，以101个短章连缀而成的形式构成，用平实的语言讲述了一个哲学的道理。\n他视世界为“游戏”，并认为世上至少有两种游戏。一种可称为有限游戏，另一种称为无限游戏。有限游戏以取胜为目的，而无限游戏以延续游戏为目的。\n他将时间、社会、文化、权力、语言、疾病、死亡、战争、自然、机器、宗教、神话，我们在世上所遭遇的重要主题，都通过“两种游戏”这条线索，逐一思考了一遍。\n卡斯指出，人类社会往往很容易停滞在结束了的有限游戏中，或者被囚禁在有限的游戏中而不自知。像战争、专制、环境污染、对他者的不宽容、对疾病和死亡的极大恐惧等等，都是有限游戏的负面产物。\n因而我们都需要一个游戏观的转换，因为有限游戏是画地为牢的游戏，需要确立边界和规则，而无限游戏则是开放的，需要突破边界和规则。\n《失控》的作者凯文·凯利更是说：这本书改变了我对生活、宇宙和其他一切事情的看法。两种游戏的不同，解除了我对下一步应该做什么的犹豫。很简单：总是选择无限的游戏。\n他作为一个宗教学者，却是一名无神论者，因为他着迷于“不可知的作为人类的存在”，也正是他所说的无限游戏。\n在他生命的最后几年，虽然受到癌症及化疗的痛苦，但他的电脑里依然充满着工作手稿，在2016年还出版了第一本小说，可能他认为死亡并不是一个不可突破的边界，他依然在玩着他的无限游戏。\n以下选自《有限与无限的游戏》第二章《没人能独自玩游戏》，祝开卷有益！\n无限游戏的参与者在他们自己的政治活动中，严格区分社会与文化。他们将社会理解为受政治约束的关系总和，而文化则是在非方向性的选择下，人和人的相互作用。\n如果说，社会是人们认为必须要做之事的总和，那么文化则是“变化与自由的国度，它并不一定普遍适用，权威在这里无从置喙”。\n我们不要把无限游戏的参与者对社会的理解，混淆成本能行动，或者其他非意识行动。和有限的竞争一样，社会也完全是在我们自由选择之中的：不管对参与者来说多费时费力，也从不阻止参与者退出竞赛。仅仅在某些被认为必需的领域，社会才体现它的强制性。\n\n图：詹姆斯·卡斯（1932-2020）\n正如无限游戏不能被限制在有限游戏中，文化如果被困于社会边界里，也必不能成为真正的文化。\n当然，社会经常使用一种策略，即发起或拥抱某种文化，将之作为该社会的独家专属之物。被如此画地为牢的文化，甚至有可能得到社会的极大扶持和鼓励，但它不过是披着开放的外衣而已。实际上，它无一例外都被设计为服务于社会目的。\n因此，社会与文化并不是真正的势不两立。其实，社会是文化的一种类型，它坚持与自身作对。社会是自由组织起来的一种努力，致力于隐藏组织者和被组织者的自由，致力于忘记我们已经有意识地忘记我们进入这个或那个竞赛的初衷并继续竞赛下去。\n社会\n如果将社会理解为人们在必然的面纱下所做的一切，那也应该将它视为某一有限的游戏，在它的边界内，又包含了一定数量的小游戏。\n大的社会包括大量的各种游戏，虽然这些游戏都在某种程度上联系在一起，因为它们都影响到最终的社会身份地位。\n学校向获得学位者颁发含金量不同的学位证书，从这个意义上说，学校是有限游戏的一种。这些学位证书则在更高一级的游戏中，为毕业生提供参赛资格，比如某些名校或某些职业院校的学生毕业之后，在每个职业领域中，又有一系列的更高一级的竞赛等。很多家庭也将自己视为更宏大的有限游戏中的一个竞争单元，训练家族成员赢得可见的社会性头衔。\n像有限游戏一样，社会也是有数量、空间和时间的界限的。它的公民是精确定义的，它的国土是神圣不可侵犯的，它的历史是被顶礼膜拜的。\n公民在社会中的权力，由他们各自在已参加的游戏中所获得的成绩来决定。社会保有对历史上获胜者的记忆。它的记录、保存功能对于社会秩序来说至关重要。社会成员的大量权益需要得到确认，庞大的官僚体制便是发源于这一需要。\n一个社会的权力，是通过在更高一级的有限游戏中击败其他社会获取的。它最值得珍视的记忆，便是在与外邦交战中，为赢得胜利而失去生命的烈士们。战争失败一方的牺牲者几乎从来不被纪念。\n社会中的权力，得到这个社会本身的权力的保证与提高。\n一个社会只有在与其他社会关系中保持整体性的权力时，其社会成员所赢得的奖励才能得到保卫。希望将自己的奖励永久化的社会成员，会努力维持这个社会奖励的永久化。\n爱国主义以它的一种或多种形式（沙文主义、种族主义、性别主义、民族主义和宗教主义），成为所有社会游戏不可分割的部分。\n因为权力在本质上是爱国主义的，所以有限游戏参与者的典型特征，便是将追求社会中的权力增长作为提高社会本身权力的一种方式。\n正是为了社会本身的利益，才鼓励社会中的各种竞争，建立尽可能多数量的奖励，因为被奖励者将是最有可能奋不顾身去保卫作为一个整体的社会不被其他竞争社会打败的。\n文化\n文化则是无限的游戏。文化无边界，在一个文化中，所有人都能成为参与者，无论任何时间任何地点。\n因为一个社会精心保持着时间边界，所以它将自己的过去理解为一种宿命，或天命。也就是说，它的历史轨道有明确的起点（某个社会的创立者总是特别得到纪念），以及明确的终点（它的成功性质重复体现在比如“各尽所能，按劳分配”这样的官方口号中）。\n因为文化没有时间边界，所以文化并不将它的过去理解为宿命，而是视为历史，也即一种已经开始但永远指向无穷开放性的叙事。文化是人类的事业，拒绝使自己免于惊讶。生活在这样有力量的图景中，他们便避开权力，喜悦地做着各种拓展边界的游戏。\n社会是权力的展示。它是剧本性的，拥有既定的剧本，对剧本的偏离，马上会很明显地被看出来。偏离常轨是反社会的，因此被社会通过各种制裁所禁止。\n越轨之所以被禁止，原因很简单。如果社会成员不遵守社会固有规则，那么规则的数量将会变化，其中一些规则会被彻底抛弃，这将意味着过去的获胜者不再能保证获得对自己头衔的仪式性认可，从而失去权力－就像是俄国革命之后的俄国王公。\n保证许多游戏的规则不被窜改，是社会的一项重要功能。像学术评审、贸易和职业的许可、宗教职务授任、国会对官员任命的通过和政治领袖的就职，这些流程都是社会对某些人在特定的有限游戏中进行竞争所做的批准。\n然而，越轨却是文化的本质。谁要是仅仅跟随剧本亦步亦趋，重复过去，那么就是文化上的赤贫者。\n越轨的性质各有不同，不是所有对过去的偏离都具有文化上的意义。切断与过去的联系，导致对过去的遗忘，这些做法在文化上毫无价值。给传统带来新的思维方式，使我们对一度熟悉的事物生出陌生感，对我们所拥有的一切进行再审视，这样做才是有意义的。\n文化偏离不是将我们带回过往，而是将开始于过去并尚未结束的东西继续下去。而另一方面，社会习俗要求在未来完全地重复过往。社会对于不朽这件事情念念不忘，而文化与不可知的各种可能性的欢笑琴瑟和鸣。社会是抽象的，文化是具体的。\n有限的游戏能够反复玩无数次。诚然，游戏的获胜者总是在某一时间的特定游戏中获胜的，但是他们获得的头衔的有效性却有赖于此游戏的重复进行。我们纪念早期的伟大橄榄球队运动员，但若橄榄球消失，不出十年，我们恐怕就记不起他们了。\n正如我们所见的，因为无限的游戏不能有终点，所以它也无法重复。不可重复性是所有文化的典型特征。莫扎特的第四十一号交响曲不可能再创作一次，伦勃朗的自画像也不可能画两次。社会将这些作品保存起来，认为它们是那些在各自游戏中获胜者的战果。\n然而，文化并不将这些作品视作奋斗的产物，而认为是奋斗过程中的瞬间－文化即奋斗本身。\n文化传承着莫扎特和伦勃朗对文化的传承，而二人对文化的传承，是通过自己的工作：对他们所接受的传统进行的原创性或改编性塑造。他们的工作是如此原创，以至于其他人无从复制，但是却呼唤着其他人原创式的回应。\n正如无限的游戏有其规则，文化则有自己的传统。无限游戏中的规则能够自由达成或自由更改，文化传统也会被改造，并在改造中发生变化。\n准确地说，文化并不是拥有一个传统，它本身就是传统。\n----------------------------------------------------\n和虎友们分享一个好消息，老虎当前支持周末下单了！预挂单是老虎为用户提供的一种增值服务，可以支持用户在非交易时间段下单，目前支持止损单、止损限价单、限价单3种订单类型。\n也就是说，用户可以在休市期间，比如周末等节假日进行挂单，订单由老虎的交易系统保存，待开市后自动提交到交易所。\n点击了解详情>>>","news_type":1,"symbols_score_info":{}},"isVote":1,"tweetType":1,"viewCount":2975,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":346415185,"gmtCreate":1618102081247,"gmtModify":1704706581605,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3472536105367512","authorIdStr":"3472536105367512"},"themes":[],"htmlText":"6","listText":"6","text":"6","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/346415185","repostId":"1159965822","repostType":4,"isVote":1,"tweetType":1,"viewCount":2388,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":337485301,"gmtCreate":1611188605103,"gmtModify":1704858631516,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a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07:54","market":"hk","language":"zh","title":"Last night and this morning: The Biden era officially opened! All three major indexes hit record highs","url":"https://stock-news.laohu8.com/highlight/detail?id=1118519553","media":"老虎资讯综合","summary":"美三大股指齐创新高，道指涨0.83%，纳指涨近2%；拜登正式宣誓就职美国第46任总统；拜登签署一系列行政令，包括重新加入巴黎气候协定和世卫组织；美媒：特朗普考虑成立新政党，以延续政治影响力。海外市场1","content":"<p>The three major U.S. stock indexes all hit new highs, the Dow rose 0.83% and the Nasdaq rose nearly 2%; Biden was officially sworn in as the 46th President of the United States; Biden signed a series of executive orders, including rejoining the Paris Climate Agreement and WHO; US media: Trump is considering setting up a new political party to continue his political influence.<b>Overseas Market</b></p><p>1. The three major U.S. stock indexes all hit new highs! Markets expect more measures from the Biden administration</p><p>U.S. stocks opened higher and closed higher across the board on Wednesday. The three major stock indexes all hit new highs. Biden was officially sworn in as the new president of the United States to seek clues about the $1.9 trillion stimulus plan. The fear index VIX fell 7.19% to 21.57 points.</p><p>As of the close, the Dow rose 257.86 points to 31188.38 points, an increase of 0.83%; The Nasdaq rose 260.07 points to 13457.25 points, an increase of 1.97%; The S&P 500 index rose 52.94 points, or 1.39%, to 3851.85 points.</p><p>2. Chinese concept stocks closed mixed<a href=\"https://laohu8.com/S/KRKR\">36 Krypton</a>Skyrocketed 76%</p><p>Chinese concept stocks closed mixed on Wednesday, with 155 rising and 128 falling. Measuring the trend of Chinese concept stocks<a href=\"https://laohu8.com/S/BK\">Bank of New York Mellon</a>China's ADR index rose 3.34% to 862.69 points. Most new energy vehicle stocks fell.</p><p>Among well-known Chinese concept stocks,<a href=\"https://laohu8.com/S/BABA\">Alibaba</a>Up 5.54%;<a href=\"https://laohu8.com/S/BIDU\">Baidu</a>Up 4.18%;<a href=\"https://laohu8.com/S/JD\">JD.com</a>Up 4.56%;<a href=\"https://laohu8.com/S/NTES\">NetEase</a>Up 2.59%;<a href=\"https://laohu8.com/S/SINA\">SINA</a>Down 0.02%; Sina Weibo rose 2.77%;<a href=\"https://laohu8.com/S/PDD\">Pinduoduo</a>Up 1.29%;<a href=\"https://laohu8.com/S/QTT\">Interesting headlines</a>Up 13.03%;<a href=\"https://laohu8.com/S/NIO\">Nio</a>Down 1.27%;<a href=\"https://laohu8.com/S/XPEV\">XPeng vehicles</a>Down 2.56%;<a href=\"https://laohu8.com/S/LI\">Li Auto</a>Up 0.45%;<a href=\"https://laohu8.com/S/IQ\">IQiyi</a>Up 8.47%;<a href=\"https://laohu8.com/S/XNET\">Thunder</a>Down 4.84%; Momo rose 1.62%; Huanju Times fell 0.97%;<a href=\"https://laohu8.com/S/HUYA\">Tiger Tooth</a>Up 1%;<a href=\"https://laohu8.com/S/BILI\">Bilibili</a>Down 0.06%;<a href=\"https://laohu8.com/S/BEKE\">Shells</a>Up 14.9%;<a href=\"https://laohu8.com/S/BEST\">Best Group</a>It rose 5.37%, and 36 Krypton rose 76%.</p><p>3. The three major European stock indexes rose across the board, and the London stock market closed up 0.41%</p><p>The average price index of 100 stocks in the Financial Times of London stock market closed at 6,740.39 points on the 20th, up 27.44 points or 0.41% from the previous trading day. The three major European stock indexes rose across the board that day. In terms of individual stocks, service stocks led the gains among the constituent stocks of the London stock market that day.</p><p>4. Gold prices closed up 1.4%, hitting a new high in nearly two weeks, and Biden is expected to introduce more stimulus measures</p><p>Gold futures for February delivery on the New York Mercantile Exchange rose $26.30, or 1.4%, to close at $1,866.50 an ounce. According to the data provided by financial information provider FactSet, calculated by the main contract, this means that the price of gold futures hit the highest closing price since January 7.</p><p>5. The market expects the Biden administration to introduce further stimulus measures to push U.S. oil to rise for two consecutive days</p><p>West Texas Intermediate crude oil (WTI) futures for February delivery rose 26 cents, or 0.5%, to close at $53.24 a barrel on the New York Mercantile Exchange. The February WTI contract expired at the close of trading on Wednesday, and the March contract is now an immediate contract. The contract closed up 33 cents, or 0.6%, at $53.31 a barrel. At the same time, the price of North Sea Brent crude oil futures for March delivery on ICE Futures Europe in London also rose 18 cents to close at $56.08 per barrel, an increase of 0.3%.</p><p>6. Bitcoin plummeted nearly 11%! Yellen suggests reducing the use of cryptocurrencies. Is this bull market over?</p><p>In the cryptocurrency market on Wednesday, investors continued to buy Bitcoin, but failed to stop the price of the world's largest cryptocurrency from plummeting.</p><p>As of press time, Bitcoin price plunged 10.82% to $34,111.82, according to CoinDesk data. In the last 24 hours, Bitcoin price has reached a maximum of $37,689.15 and a minimum of $33,430.82. CoinDesk tracks prices from cryptocurrency exchanges such as Bitstamp, Coinbase, itBit, and Bitfinex.</p><p>Spotlight on the US election</p><p>1. Just now, Biden was officially sworn in as the 46th President of the United States</p><p>CNN just reported that Joe Biden, the President-elect of the United States and a Democrat, was officially sworn in as the 46th President of the United States.</p><p>After the inauguration, the Bidens will travel from the Capitol to the White House as usual. However, what is different from the past is that in view of COVID-19 pandemic, there will be no \"sea of people\" on both sides of Pennsylvania Avenue; In addition, traditional related celebrations are not held, but online activities and broadcast on TV.</p><p>2. Trump leaves the White House</p><p>According to CNN, current President Trump and First Lady Melania just left the White House by helicopter and went to Andrews Air Force Base, where he will hold a brief farewell ceremony. He will reportedly then travel to Florida.</p><p>3、<a href=\"https://laohu8.com/NW/2105810464\" target=\"_blank\">Biden signs a series of executive orders, including rejoining Paris climate agreement and WHO</a></p><p>World Wide Web news on January 21, Agence France-Presse news, US President Biden has just signed a series of executive orders, including rejoining the Paris Climate Agreement and the WHO.</p><p>CNN stated that Biden was sworn in on the 20th local time. After that, he entered the White House and signed a series of executive orders, memoranda and instructions to various agencies in the Oval Office of the White House.</p><p>4. Biden revokes Trump's directive and stops building the US-Mexico border wall</p><p>President-elect Biden, a Democrat of the United States, was sworn in as the 46th president of the United States in Washington, DC. According to the US Consumer News and Business Channel (CNBC), Biden signed a series of executive orders in the Oval Office that day.</p><p>These executive orders cover many aspects, including requiring mandatory wearing of masks, returning the United States to the Paris Agreement, and revoking some directives of former President Trump, such as stopping the construction of the wall on the US-Mexico border. Biden's first executive orders also include returning the U.S. to the WHO, ending the so-called Muslim travel ban and asking for an extension of the moratorium on student loan repayments.</p><p>International macro</p><p>1、<a href=\"https://laohu8.com/NW/1122485428\" target=\"_blank\">Foreign Ministry Spokesperson Announces China's Sanctions on Pompeo and Others</a></p><p>China has decided to impose sanctions on 28 people who have seriously violated China's sovereignty on China-related issues and are mainly responsible, including Pompeo, Navarro, O 'Brien, Stawell, Pottinger, Aza, Krach, Kraft, Bolton and Bannon in the Trump administration.</p><p>2. Are you brewing a \"big event\" just after leaving office? US media: Trump considers setting up a new political party to continue political influence</p><p>According to the US \"Wall Street Journal\" reported on the 19th, informed sources revealed that Trump has been discussing with people around him to form a new political party in recent days. He wants to name this party \"Patriot Party\" so that he can continue his political influence after leaving the White House.</p><p>3、<a href=\"https://laohu8.com/NW/2105486021\" target=\"_blank\">U.S. commercial real estate turnover plummets in 2020, impacted by COVID-19 pandemic</a></p><p>U.S. commercial real estate transactions fell 32% in 2020 as buyers and sellers couldn't reach a consensus on the value of real estate under the impact of the epidemic.</p><p>For the year, office property transactions fell 40%, retail real estate transactions fell 43%, and hotel transactions fell 68%, according to a report by Real Capital Analytics Inc. Apartments remain the largest volume segment, despite a 28% drop in volume for the year.</p><p>The report also reflects important geographical changes, with Manhattan dropping to the fifth largest market and Dallas ranking first.</p><p>4. The Bank of Canada announced that it would keep the benchmark interest rate unchanged at 0.25%</p><p>The Bank of Canada (central bank) announced on the 20th that it will keep the benchmark interest rate unchanged at 0.25%.</p><p>The Bank of Canada said that the decision to keep the benchmark interest rate unchanged was made after considering the continued uncertainty caused by Canada's economic situation and COVID-19 pandemic. Until the annual inflation rate reaches 2%, the current benchmark interest rate will remain unchanged.</p><p>5. The UK has 1,820 new confirmed deaths from COVID-19 in a single day, reaching the highest value again</p><p>According to the latest data from the British government website, as of January 20, local time, there were 38,905 new confirmed cases of novel coronavirus pneumonia in the UK, with a total of 3,505,754 confirmed cases; On that day, there were 1,820 new confirmed deaths in COVID-19, the highest record of new deaths in a single day since the outbreak of the epidemic in the UK appeared again on the 19th day. At present, there are 93,290 confirmed deaths in COVID-19 in the UK.</p><p>Company News</p><p>1. Baidu plans to submit a listing application in Hong Kong after the Spring Festival to confirm<a href=\"https://laohu8.com/S/GS\">Goldman Sachs</a>CITIC as sponsor</p><p>January 20th,<a href=\"https://laohu8.com/S/00700\">Tencent</a>News \"First Line\" exclusively learned that Baidu's second listing in Hong Kong has finally officially launched, and Goldman Sachs and CITIC have been identified as its listing sponsor teams, and plans to formally submit a listing application in Hong Kong after the Spring Festival.</p><p>2、<a href=\"https://laohu8.com/S/AAPL\">Apple</a>Automotive self-developed chips may be based on A12 Bionic or made of<a href=\"https://laohu8.com/S/TSM\">TSMC</a>OEM</p><p>Well-known analyst Colin Barnden recently wrote an article predicting that the self-developed chip \"C1\" used in Apple cars will be based on the A12 Bionic processor, provide many AI functions including eye tracking, and use TSMC 7 Nanometer process technology production. But in addition to TSMC, Apple may also choose<a href=\"https://laohu8.com/S/SMSN.UK\">Samsung</a>However, the latter may use the 8nm process.</p><p>3. MediaTek: In-depth cooperation with New Honor is not ruled out, which is still under evaluation</p><p>Xu Jingquan, deputy general manager of MediaTek and general manager of wireless communications division, said on January 20 that MediaTek does not rule out in-depth cooperation with New Honor, which is still under evaluation. MediaTek held an online launch conference of Dimensity new products this afternoon, officially releasing the new Dimensity flagship 5G mobile chips-Dimensity 1200 and Dimensity 1100.</p><p>4、<a href=\"https://laohu8.com/NW/2105489737\" target=\"_blank\">Amazon sends letter to US President Joe Biden saying it will help vaccination efforts</a></p><p>On Wednesday, Amazon (AMZN.US) consumer CEO Dave Clark sent a letter to U.S. President Joe Biden saying he would help vaccination efforts. Dave Clark reiterated the hope that the company's more than 800,000 frontline employees will receive the vaccine at the earliest suitable time.</p><p>5. Driven by outstanding performance of trading business<a href=\"https://laohu8.com/S/MS\">Morgan Stanley</a>Set the best annual performance in history</p><p>\"The company delivered an excellent quarter and a new all-time record full-year performance with excellent performance across all three businesses and regions,\" Morgan Stanley CEO James Gorman said in a statement Wednesday.</p><p>The company's equity business revenue rose 30% to $2.5 billion in the fourth quarter. Analysts had expected $2.15 billion.</p><p>Fixed income, currencies and commodities (FICC) trading revenue rose 31% to $1.66 billion, ahead of analysts' estimates of $1.51 billion. Many large U.S. banks struggled to meet analysts' optimistic expectations for FICC's business in the last quarter.</p><p>6. China Unicom and China Mobile: Require the New York Stock Exchange to review the delisting decision</p><p><a href=\"https://laohu8.com/S/00762\">China Unicom</a>、<a href=\"https://laohu8.com/S/CHL\">China Mobile</a>Announcement in Hong Kong: On January 20, the Company submitted a written request to the New York Stock Exchange, requesting a committee of the board of directors of the New York Stock Exchange to review the delisting decision.</p><p>7. Tesla Europe also cuts prices for Model 3 standard range version by 3,000 euros</p><p>Tesla's official website in Germany shows that the starting price of the Model 3 standard range version has been reduced to 39,990 euros. Tesla previously showed that the price of the basic model is 42,900 euros, which means that the price of this model in Germany has been reduced by 3,000 euros.</p><p>8. Oppenheimer analysts raise Tesla price target to $1,036</p><p>Optimistic about Tesla's advantages in the field of self-driving car development and the current valuation of high-growth stocks, Oppenheimer analyst Colin Rusch raised Tesla's price target to the highest on Wall Street, from the previous $486 to $1,036. Rusch said Tesla's ability to learn from data generated by more than one million vehicles already on the road is an \"extraordinary advantage.\"</p><p>9. SpaceX expands public testing of Starlink satellite Internet to the UK</p><p>SpaceX is preparing to offer Starlink satellite internet early service to the Canadian and British public. \"First in the northern U.S. and Canada, and now expanding into the UK, we're going to focus on rural and remote areas,\" Jesse Anderson, SpaceX's chief manufacturing engineer, said during a webcast of the launch on Wednesday.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Last night and this morning: The Biden era officially opened! All three major indexes hit record highs</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nLast night and this morning: The Biden era officially opened! All three major indexes hit record highs\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">老虎资讯综合 </p>\n<p class=\"h-time smaller\">2021-01-21 07:54</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>The three major U.S. stock indexes all hit new highs, the Dow rose 0.83% and the Nasdaq rose nearly 2%; Biden was officially sworn in as the 46th President of the United States; Biden signed a series of executive orders, including rejoining the Paris Climate Agreement and WHO; US media: Trump is considering setting up a new political party to continue his political influence.<b>Overseas Market</b></p><p>1. The three major U.S. stock indexes all hit new highs! Markets expect more measures from the Biden administration</p><p>U.S. stocks opened higher and closed higher across the board on Wednesday. The three major stock indexes all hit new highs. Biden was officially sworn in as the new president of the United States to seek clues about the $1.9 trillion stimulus plan. The fear index VIX fell 7.19% to 21.57 points.</p><p>As of the close, the Dow rose 257.86 points to 31188.38 points, an increase of 0.83%; The Nasdaq rose 260.07 points to 13457.25 points, an increase of 1.97%; The S&P 500 index rose 52.94 points, or 1.39%, to 3851.85 points.</p><p>2. Chinese concept stocks closed mixed<a href=\"https://laohu8.com/S/KRKR\">36 Krypton</a>Skyrocketed 76%</p><p>Chinese concept stocks closed mixed on Wednesday, with 155 rising and 128 falling. Measuring the trend of Chinese concept stocks<a href=\"https://laohu8.com/S/BK\">Bank of New York Mellon</a>China's ADR index rose 3.34% to 862.69 points. Most new energy vehicle stocks fell.</p><p>Among well-known Chinese concept stocks,<a href=\"https://laohu8.com/S/BABA\">Alibaba</a>Up 5.54%;<a href=\"https://laohu8.com/S/BIDU\">Baidu</a>Up 4.18%;<a href=\"https://laohu8.com/S/JD\">JD.com</a>Up 4.56%;<a href=\"https://laohu8.com/S/NTES\">NetEase</a>Up 2.59%;<a href=\"https://laohu8.com/S/SINA\">SINA</a>Down 0.02%; Sina Weibo rose 2.77%;<a href=\"https://laohu8.com/S/PDD\">Pinduoduo</a>Up 1.29%;<a href=\"https://laohu8.com/S/QTT\">Interesting headlines</a>Up 13.03%;<a href=\"https://laohu8.com/S/NIO\">Nio</a>Down 1.27%;<a href=\"https://laohu8.com/S/XPEV\">XPeng vehicles</a>Down 2.56%;<a href=\"https://laohu8.com/S/LI\">Li Auto</a>Up 0.45%;<a href=\"https://laohu8.com/S/IQ\">IQiyi</a>Up 8.47%;<a href=\"https://laohu8.com/S/XNET\">Thunder</a>Down 4.84%; Momo rose 1.62%; Huanju Times fell 0.97%;<a href=\"https://laohu8.com/S/HUYA\">Tiger Tooth</a>Up 1%;<a href=\"https://laohu8.com/S/BILI\">Bilibili</a>Down 0.06%;<a href=\"https://laohu8.com/S/BEKE\">Shells</a>Up 14.9%;<a href=\"https://laohu8.com/S/BEST\">Best Group</a>It rose 5.37%, and 36 Krypton rose 76%.</p><p>3. The three major European stock indexes rose across the board, and the London stock market closed up 0.41%</p><p>The average price index of 100 stocks in the Financial Times of London stock market closed at 6,740.39 points on the 20th, up 27.44 points or 0.41% from the previous trading day. The three major European stock indexes rose across the board that day. In terms of individual stocks, service stocks led the gains among the constituent stocks of the London stock market that day.</p><p>4. Gold prices closed up 1.4%, hitting a new high in nearly two weeks, and Biden is expected to introduce more stimulus measures</p><p>Gold futures for February delivery on the New York Mercantile Exchange rose $26.30, or 1.4%, to close at $1,866.50 an ounce. According to the data provided by financial information provider FactSet, calculated by the main contract, this means that the price of gold futures hit the highest closing price since January 7.</p><p>5. The market expects the Biden administration to introduce further stimulus measures to push U.S. oil to rise for two consecutive days</p><p>West Texas Intermediate crude oil (WTI) futures for February delivery rose 26 cents, or 0.5%, to close at $53.24 a barrel on the New York Mercantile Exchange. The February WTI contract expired at the close of trading on Wednesday, and the March contract is now an immediate contract. The contract closed up 33 cents, or 0.6%, at $53.31 a barrel. At the same time, the price of North Sea Brent crude oil futures for March delivery on ICE Futures Europe in London also rose 18 cents to close at $56.08 per barrel, an increase of 0.3%.</p><p>6. Bitcoin plummeted nearly 11%! Yellen suggests reducing the use of cryptocurrencies. Is this bull market over?</p><p>In the cryptocurrency market on Wednesday, investors continued to buy Bitcoin, but failed to stop the price of the world's largest cryptocurrency from plummeting.</p><p>As of press time, Bitcoin price plunged 10.82% to $34,111.82, according to CoinDesk data. In the last 24 hours, Bitcoin price has reached a maximum of $37,689.15 and a minimum of $33,430.82. CoinDesk tracks prices from cryptocurrency exchanges such as Bitstamp, Coinbase, itBit, and Bitfinex.</p><p>Spotlight on the US election</p><p>1. Just now, Biden was officially sworn in as the 46th President of the United States</p><p>CNN just reported that Joe Biden, the President-elect of the United States and a Democrat, was officially sworn in as the 46th President of the United States.</p><p>After the inauguration, the Bidens will travel from the Capitol to the White House as usual. However, what is different from the past is that in view of COVID-19 pandemic, there will be no \"sea of people\" on both sides of Pennsylvania Avenue; In addition, traditional related celebrations are not held, but online activities and broadcast on TV.</p><p>2. Trump leaves the White House</p><p>According to CNN, current President Trump and First Lady Melania just left the White House by helicopter and went to Andrews Air Force Base, where he will hold a brief farewell ceremony. He will reportedly then travel to Florida.</p><p>3、<a href=\"https://laohu8.com/NW/2105810464\" target=\"_blank\">Biden signs a series of executive orders, including rejoining Paris climate agreement and WHO</a></p><p>World Wide Web news on January 21, Agence France-Presse news, US President Biden has just signed a series of executive orders, including rejoining the Paris Climate Agreement and the WHO.</p><p>CNN stated that Biden was sworn in on the 20th local time. After that, he entered the White House and signed a series of executive orders, memoranda and instructions to various agencies in the Oval Office of the White House.</p><p>4. Biden revokes Trump's directive and stops building the US-Mexico border wall</p><p>President-elect Biden, a Democrat of the United States, was sworn in as the 46th president of the United States in Washington, DC. According to the US Consumer News and Business Channel (CNBC), Biden signed a series of executive orders in the Oval Office that day.</p><p>These executive orders cover many aspects, including requiring mandatory wearing of masks, returning the United States to the Paris Agreement, and revoking some directives of former President Trump, such as stopping the construction of the wall on the US-Mexico border. Biden's first executive orders also include returning the U.S. to the WHO, ending the so-called Muslim travel ban and asking for an extension of the moratorium on student loan repayments.</p><p>International macro</p><p>1、<a href=\"https://laohu8.com/NW/1122485428\" target=\"_blank\">Foreign Ministry Spokesperson Announces China's Sanctions on Pompeo and Others</a></p><p>China has decided to impose sanctions on 28 people who have seriously violated China's sovereignty on China-related issues and are mainly responsible, including Pompeo, Navarro, O 'Brien, Stawell, Pottinger, Aza, Krach, Kraft, Bolton and Bannon in the Trump administration.</p><p>2. Are you brewing a \"big event\" just after leaving office? US media: Trump considers setting up a new political party to continue political influence</p><p>According to the US \"Wall Street Journal\" reported on the 19th, informed sources revealed that Trump has been discussing with people around him to form a new political party in recent days. He wants to name this party \"Patriot Party\" so that he can continue his political influence after leaving the White House.</p><p>3、<a href=\"https://laohu8.com/NW/2105486021\" target=\"_blank\">U.S. commercial real estate turnover plummets in 2020, impacted by COVID-19 pandemic</a></p><p>U.S. commercial real estate transactions fell 32% in 2020 as buyers and sellers couldn't reach a consensus on the value of real estate under the impact of the epidemic.</p><p>For the year, office property transactions fell 40%, retail real estate transactions fell 43%, and hotel transactions fell 68%, according to a report by Real Capital Analytics Inc. Apartments remain the largest volume segment, despite a 28% drop in volume for the year.</p><p>The report also reflects important geographical changes, with Manhattan dropping to the fifth largest market and Dallas ranking first.</p><p>4. The Bank of Canada announced that it would keep the benchmark interest rate unchanged at 0.25%</p><p>The Bank of Canada (central bank) announced on the 20th that it will keep the benchmark interest rate unchanged at 0.25%.</p><p>The Bank of Canada said that the decision to keep the benchmark interest rate unchanged was made after considering the continued uncertainty caused by Canada's economic situation and COVID-19 pandemic. Until the annual inflation rate reaches 2%, the current benchmark interest rate will remain unchanged.</p><p>5. The UK has 1,820 new confirmed deaths from COVID-19 in a single day, reaching the highest value again</p><p>According to the latest data from the British government website, as of January 20, local time, there were 38,905 new confirmed cases of novel coronavirus pneumonia in the UK, with a total of 3,505,754 confirmed cases; On that day, there were 1,820 new confirmed deaths in COVID-19, the highest record of new deaths in a single day since the outbreak of the epidemic in the UK appeared again on the 19th day. At present, there are 93,290 confirmed deaths in COVID-19 in the UK.</p><p>Company News</p><p>1. Baidu plans to submit a listing application in Hong Kong after the Spring Festival to confirm<a href=\"https://laohu8.com/S/GS\">Goldman Sachs</a>CITIC as sponsor</p><p>January 20th,<a href=\"https://laohu8.com/S/00700\">Tencent</a>News \"First Line\" exclusively learned that Baidu's second listing in Hong Kong has finally officially launched, and Goldman Sachs and CITIC have been identified as its listing sponsor teams, and plans to formally submit a listing application in Hong Kong after the Spring Festival.</p><p>2、<a href=\"https://laohu8.com/S/AAPL\">Apple</a>Automotive self-developed chips may be based on A12 Bionic or made of<a href=\"https://laohu8.com/S/TSM\">TSMC</a>OEM</p><p>Well-known analyst Colin Barnden recently wrote an article predicting that the self-developed chip \"C1\" used in Apple cars will be based on the A12 Bionic processor, provide many AI functions including eye tracking, and use TSMC 7 Nanometer process technology production. But in addition to TSMC, Apple may also choose<a href=\"https://laohu8.com/S/SMSN.UK\">Samsung</a>However, the latter may use the 8nm process.</p><p>3. MediaTek: In-depth cooperation with New Honor is not ruled out, which is still under evaluation</p><p>Xu Jingquan, deputy general manager of MediaTek and general manager of wireless communications division, said on January 20 that MediaTek does not rule out in-depth cooperation with New Honor, which is still under evaluation. MediaTek held an online launch conference of Dimensity new products this afternoon, officially releasing the new Dimensity flagship 5G mobile chips-Dimensity 1200 and Dimensity 1100.</p><p>4、<a href=\"https://laohu8.com/NW/2105489737\" target=\"_blank\">Amazon sends letter to US President Joe Biden saying it will help vaccination efforts</a></p><p>On Wednesday, Amazon (AMZN.US) consumer CEO Dave Clark sent a letter to U.S. President Joe Biden saying he would help vaccination efforts. Dave Clark reiterated the hope that the company's more than 800,000 frontline employees will receive the vaccine at the earliest suitable time.</p><p>5. Driven by outstanding performance of trading business<a href=\"https://laohu8.com/S/MS\">Morgan Stanley</a>Set the best annual performance in history</p><p>\"The company delivered an excellent quarter and a new all-time record full-year performance with excellent performance across all three businesses and regions,\" Morgan Stanley CEO James Gorman said in a statement Wednesday.</p><p>The company's equity business revenue rose 30% to $2.5 billion in the fourth quarter. Analysts had expected $2.15 billion.</p><p>Fixed income, currencies and commodities (FICC) trading revenue rose 31% to $1.66 billion, ahead of analysts' estimates of $1.51 billion. Many large U.S. banks struggled to meet analysts' optimistic expectations for FICC's business in the last quarter.</p><p>6. China Unicom and China Mobile: Require the New York Stock Exchange to review the delisting decision</p><p><a href=\"https://laohu8.com/S/00762\">China Unicom</a>、<a href=\"https://laohu8.com/S/CHL\">China Mobile</a>Announcement in Hong Kong: On January 20, the Company submitted a written request to the New York Stock Exchange, requesting a committee of the board of directors of the New York Stock Exchange to review the delisting decision.</p><p>7. Tesla Europe also cuts prices for Model 3 standard range version by 3,000 euros</p><p>Tesla's official website in Germany shows that the starting price of the Model 3 standard range version has been reduced to 39,990 euros. Tesla previously showed that the price of the basic model is 42,900 euros, which means that the price of this model in Germany has been reduced by 3,000 euros.</p><p>8. Oppenheimer analysts raise Tesla price target to $1,036</p><p>Optimistic about Tesla's advantages in the field of self-driving car development and the current valuation of high-growth stocks, Oppenheimer analyst Colin Rusch raised Tesla's price target to the highest on Wall Street, from the previous $486 to $1,036. Rusch said Tesla's ability to learn from data generated by more than one million vehicles already on the road is an \"extraordinary advantage.\"</p><p>9. SpaceX expands public testing of Starlink satellite Internet to the UK</p><p>SpaceX is preparing to offer Starlink satellite internet early service to the Canadian and British public. \"First in the northern U.S. and Canada, and now expanding into the UK, we're going to focus on rural and remote areas,\" Jesse Anderson, SpaceX's chief manufacturing engineer, said during a webcast of the launch on Wednesday.</p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/b23574aac95526c9e5c62ebc8dd25130","relate_stocks":{},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1118519553","content_text":"美三大股指齐创新高，道指涨0.83%，纳指涨近2%；拜登正式宣誓就职美国第46任总统；拜登签署一系列行政令，包括重新加入巴黎气候协定和世卫组织；美媒：特朗普考虑成立新政党，以延续政治影响力。海外市场1、美三大股指齐创新高！市场期待拜登政府出台更多措施美股周三高开高走全线收涨，三大股指齐创新高，因奈飞等业绩超预期股价大涨，拜登正式宣誓就职美国新一任总统，以寻求有关1.9万亿美元的刺激计划相关的线索。恐慌指数VIX跌7.19%，报21.57点。截至收盘，道指涨257.86点，报31188.38点，涨幅为0.83%；纳指涨260.07点，报13457.25点，涨幅为1.97%；标普500指数涨52.94点，报3851.85点，涨幅为1.39%。2、中概股收盘涨跌不一 36氪暴涨76%中概股周三收盘涨跌不一，其中有155只上涨，128只下跌。衡量中概股走势的纽约梅隆银行中国ADR指数涨3.34%，报862.69点。新能源汽车股多数下跌。知名中概股中，阿里巴巴涨5.54%；百度涨4.18%；京东涨4.56%；网易涨2.59%；新浪跌0.02%；新浪微博涨2.77%；拼多多涨1.29%；趣头条涨13.03%；蔚来跌1.27%；小鹏汽车跌2.56%；理想汽车涨0.45%；爱奇艺涨8.47%；迅雷跌4.84%；陌陌涨1.62%；欢聚时代跌0.97%；虎牙涨1%；哔哩哔哩跌0.06%；贝壳涨14.9%；百世集团涨5.37%, 36氪涨76%。3、欧洲三大股指全线上涨 伦敦股市收涨0.41%英国伦敦股市《金融时报》100种股票平均价格指数20日报收于6740.39点，比前一交易日上涨27.44点，涨幅为0.41%。欧洲三大股指当天全线上涨。个股方面，当天伦敦股市成分股中服务类个股领涨。4、金价收涨1.4％创近两周新高 拜登料出台更多刺激措施纽约商品交易所2月份交割的黄金期货价格上涨26.30美元，报收于每盎司1866.50美元，涨幅为1.4%。据财经信息供应商FactSet提供的数据显示，按主力合约计算，这意味着黄金期货价格创下了自1月7日以来的最高收盘价。5、市场期待拜登政府进一步出台刺激措施，推动美油两连涨纽约商品交易所2月份交割的西德克萨斯轻质原油（WTI）期货价格上涨26美分，报收于每桶53.24美元，涨幅为0.5%。2月份WTI合约已在周三收盘时到期，3月份合约现已成为即月合约，该合约收盘上涨33美分，报每桶53.31美元，涨幅为0.6%。与此同时，伦敦ICE欧洲期货交易所3月份交割的北海布伦特原油期货价格也上涨18美分，报收于每桶56.08美元，涨幅为0.3%。6、比特币暴跌近11％！耶伦建议减少使用加密货币，这一波牛市到头了吗？在周三的加密货币市场上，投资者还在继续购买比特币，却未能阻止这种全球最大的加密货币的价格暴跌。CoinDesk数据显示，截至发稿，比特币价格暴跌10.82%，至34111.82美元。在过去24个小时里，比特币价格最高触及37689.15美元，最低触及33430.82美元。CoinDesk追踪来自于Bitstamp、Coinbase、itBit和Bitfinex等加密数字货币交易所的价格。聚焦美国大选1、刚刚，拜登正式宣誓就职美国第46任总统美国有线电视新闻网（CNN）刚刚消息，美国当选总统、民主党人乔·拜登正式宣誓就职成为美国第46任总统。就职典礼结束后，拜登夫妇将按惯例从国会大厦前往白宫。不过，不同以往的是，鉴于新冠疫情，宾夕法尼亚大道两旁将不会有“人山人海”的场面；此外，也不举办传统的有关庆祝活动，而是改为线上活动并通过电视播放。2、特朗普离开白宫据美国有线电视新闻网（CNN）消息，现任总统特朗普和第一夫人梅拉尼娅刚刚乘坐直升机离开白宫，前往安德鲁斯空军基地，他将在那里举行一个简短的告别仪式。据报道，他随后将前往佛罗里达州。3、拜登签署一系列行政令，包括重新加入巴黎气候协定和世卫组织环球网1月21日消息，法新社消息，美国总统拜登刚刚签署了一系列行政命令，包括重新加入巴黎气候协定和世卫组织。美国有线电视新闻网（CNN）称，拜登当地时间20日宣誓就职，此后他步入白宫，并在白宫椭圆形办公室签署一系列行政命令、备忘录和对各机构的指示。4、拜登撤销特朗普指令，停止修建美墨边境墙美国当选总统、民主党人拜登在首都华盛顿宣誓就任美国第46任总统。据美国消费者新闻与商业频道（CNBC）报道，拜登当天在椭圆办公室签署了一系列行政命令。这些行政命令囊括多个方面，包括要求强制佩戴口罩，让美国重返巴黎协定，以及撤销前总统特朗普的一些指令，如停止在美墨边境修建隔离墙。拜登的首批行政命令还包括让美国重返世卫组织，结束所谓的穆斯林旅行禁令，并要求延长暂停偿还学生贷款的期限。国际宏观1、外交部发言人宣布中方对蓬佩奥等人实施制裁中方决定对在涉华问题上严重侵犯中国主权、负有主要责任的28名人员实施制裁，包括特朗普政府中的蓬佩奥、纳瓦罗、奥布莱恩、史达伟、波廷杰、阿扎、克拉奇、克拉夫特以及博尔顿、班农等。2、刚离任就要酝酿“大事”？美媒：特朗普考虑成立新政党，以延续政治影响力据美国《华尔街日报》19日报道，知情人士透露称，特朗普最近几天正与身边人商讨组建一个新政党，他想要将这个政党命名为“爱国者党”，以便在离开白宫后能延续自己的政治影响力。3、美国2020年商业地产成交额暴跌 受新冠疫情冲击美国商业房地产交易在2020年下降了32%，因买卖双方无法就疫情冲击下的房地产价值达成共识。根据Real Capital Analytics Inc的一份报告，全年办公物业交易下降40%，零售地产交易下降43%，酒店交易下降68%。公寓仍然是交易量最大的领域，尽管全年成交量下降28%。该报告还反映了重要的地域变化，其中曼哈顿排名下降到第五大市场，达拉斯则排名第一。4、加拿大央行宣布维持0.25%基准利率不变加拿大银行(央行)20日宣布，将基准利率维持在0.25%的水平不变。加拿大银行表示，维持基准利率不变的决定，是在对加拿大经济状况和新冠疫情造成的持续不确定性进行考量后做出的。在年通胀率达到2%前，将维持目前的基准利率不变。5、英国单日新增新冠确诊死亡患者1820人 再达最高值据英国政府网站最新数据，截至当地时间1月20日，英国新增确诊新冠肺炎病例38905例，累计确诊病例3505754例；当日新增新冠确诊死亡患者1820人，继19日后再次出现英国自暴发疫情以来的单日新增死亡最高记录，目前英国累计新冠确诊死亡患者93290人。公司新闻1、百度拟春节后在港提交上市申请 确定高盛中信为保荐人1月20日 ，腾讯新闻《一线》独家获悉，百度回港第二上市终于正式启动，并确定了高盛和中信为其上市保荐团队，并计划春节后正式在港提交上市申请。2、苹果汽车自研芯片或以A12 Bionic为基础 或由台积电代工知名分析师科林·巴登（Colin Barnden）近日撰文预测，苹果汽车上使用的自研芯片“C1”将以A12 Bionic处理器为基础，提供包括眼部追踪来内的诸多AI功能，并使用台积电7纳米制程工艺生产。不过除了台积电，苹果也有可能选择三星，只是后者或会使用8纳米制程。3、联发科：不排除与新荣耀深入合作，目前还在评估中联发科副总经理暨无线通信事业部总经理徐敬全1月20日表示，联发科不排除和新荣耀进行深入合作，目前还在评估中。联发科今天下午举办天玑新品线上发布会，正式发布全新的天玑旗舰5G移动芯片——天玑1200与天玑1100。4、亚马逊致信美国总统拜登称将帮助疫苗接种工作周三，亚马逊(AMZN.US)消费者首席执行官Dave Clark致信美国总统拜登，表示将帮助疫苗接种工作。Dave Clark重申，希望公司80多万名一线员工在最早的合适时间接受疫苗注射。5、交易业务表现亮眼 推动摩根士丹利创出历史最佳年度业绩摩根士丹利首席执行官James Gorman周三在一份声明中表示：“公司的季度业绩非常好，全年业绩创出历史新纪录，所有三个业务和地区均表现出色。”该公司第四季度的股票业务收入增长了30%，达到25亿美元。分析师此前预计为21.5亿美元。固定收益、货币和大宗商品（FICC）交易收入增长了31%，至16.6亿美元，高于分析师预期的15.1亿美元。美国许多大型银行在上一季度都难以实现分析师对FICC业务的乐观预期。6、联通、移动：要求纽约证交所覆议下市决定中国联通、中国移动在港公告：于1月20日，本公司向纽约证交所提出书面要求，要求纽约证交所董事会的一个委员会覆议下市决定。7、特斯拉欧洲也降价 Model 3标准续航版降价3000欧元特斯拉德国官网显示，Model 3标准续航版起售价格下调至39990欧元，特斯拉此前显示该基本车型价格为42900欧元，这意味着在德国该款车型价格下调了3000欧元。8、Oppenheimer分析师将特斯拉目标价上调至1036美元因看好特斯拉在自动驾驶汽车开发领域的优势和目前的高成长股估值，Oppenheimer分析师Colin Rusch将特斯拉目标股价上调至华尔街最高，从之前的486美元提高到1036美元。Rusch表示，特斯拉能够从已经上路的100多万辆汽车产生的数据中学习，是“非凡的优势”。9、SpaceX将星链卫星互联网公开测试扩展至英国SpaceX正准备向加拿大和英国公众提供星链卫星互联网早期服务。SpaceX首席制造工程师杰西·安德森在周三的发射网络直播中表示：“最早是在美国北部和加拿大，现在扩展到英国，我们将把重点放在农村和偏远地区。”","news_type":1,"symbols_score_info":{}},"isVote":1,"tweetType":1,"viewCount":2328,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":336831741,"gmtCreate":1610058690983,"gmtModify":1704981860738,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3472536105367512","authorIdStr":"3472536105367512"},"themes":[],"htmlText":"?","listText":"?","text":"?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/336831741","repostId":"1144012142","repostType":4,"repost":{"id":"1144012142","kind":"news","weMediaInfo":{"introduction":"为用户提供金融资讯、行情、数据，旨在帮助投资者理解世界，做投资决策。","home_visible":1,"media_name":"老虎资讯综合","id":"102","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1610033205,"share":"https://ttm.financial/m/news/1144012142?lang=en_US&edition=fundamental","pubTime":"2021-01-07 23:26","market":"us","language":"zh","title":"Musk's net worth rises to $185 billion, officially promoted to the world's richest man","url":"https://stock-news.laohu8.com/highlight/detail?id=1144012142","media":"老虎资讯综合","summary":"彭博亿万富豪指数显示，$特斯拉(TSLA)$CEO马斯克身价升至1850亿美元，超越$亚马逊(AMZN)$CEO贝佐斯成为世界首富。后者自2017年以来一直位于全球富豪榜榜首，目前身价约为1840亿美元。\n\n特斯拉股价在2020年增加了9倍多，加上他不菲的薪酬，其个人净资产在过去一年里增加了逾1500亿美元。与此同时，由于华盛顿方面可能加强监管，亚马逊的股价一直处于较为低迷的状态。\n\n截至发稿，特斯拉涨幅4.6%，盘中创历史新高，总市值近7500亿美元。","content":"<p>According to the Bloomberg Billionaires Index,<b><a href=\"https://laohu8.com/S/TSLA\">Tesla</a>CEO Musk's net worth rose to $185 billion, surpassing<a href=\"https://laohu8.com/S/AMZN\">Amazon</a>CEO Bezos becomes world's richest man</b>。 The latter has been at the top of the world's richest list since 2017 and is currently worth around $184 billion.</p><p>Tesla's stock price has increased more than ninfold in 2020, and with his hefty salary, his personal net worth has increased by more than $150 billion in the past year. At the same time, Amazon's share price has been in a depressed state due to the possible strengthening of regulation in Washington.</p><p>As of press time, Tesla rose 4.6%, hitting a record high during the session, with a total market value of nearly US $750 billion.</p><p><img src=\"https://static.tigerbbs.com/b773661248993fb9d9ab9415d17c9d62\" tg-width=\"840\" tg-height=\"470\"></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Musk's net worth rises to $185 billion, officially promoted to the world's richest man</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nMusk's net worth rises to $185 billion, officially promoted to the world's richest man\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">老虎资讯综合 </p>\n<p class=\"h-time smaller\">2021-01-07 23:26</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>According to the Bloomberg Billionaires Index,<b><a href=\"https://laohu8.com/S/TSLA\">Tesla</a>CEO Musk's net worth rose to $185 billion, surpassing<a href=\"https://laohu8.com/S/AMZN\">Amazon</a>CEO Bezos becomes world's richest man</b>。 The latter has been at the top of the world's richest list since 2017 and is currently worth around $184 billion.</p><p>Tesla's stock price has increased more than ninfold in 2020, and with his hefty salary, his personal net worth has increased by more than $150 billion in the past year. At the same time, Amazon's share price has been in a depressed state due to the possible strengthening of regulation in Washington.</p><p>As of press time, Tesla rose 4.6%, hitting a record high during the session, with a total market value of nearly US $750 billion.</p><p><img src=\"https://static.tigerbbs.com/b773661248993fb9d9ab9415d17c9d62\" tg-width=\"840\" tg-height=\"470\"></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/ca75b75880f0ca2e1b7f689a57bef87c","relate_stocks":{"TSLA":"特斯拉"},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1144012142","content_text":"彭博亿万富豪指数显示，特斯拉CEO马斯克身价升至1850亿美元，超越亚马逊CEO贝佐斯成为世界首富。后者自2017年以来一直位于全球富豪榜榜首，目前身价约为1840亿美元。特斯拉股价在2020年增加了9倍多，加上他不菲的薪酬，其个人净资产在过去一年里增加了逾1500亿美元。与此同时，由于华盛顿方面可能加强监管，亚马逊的股价一直处于较为低迷的状态。截至发稿，特斯拉涨幅4.6%，盘中创历史新高，总市值近7500亿美元。","news_type":1,"symbols_score_info":{"TSLA":0.9}},"isVote":1,"tweetType":1,"viewCount":2295,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":397918291,"gmtCreate":1608158079313,"gmtModify":1704973595951,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3472536105367512","authorIdStr":"3472536105367512"},"themes":[],"htmlText":"Niu&nbsp;","listText":"Niu&nbsp;","text":"Niu","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/397918291","repostId":"1122306009","repostType":4,"repost":{"id":"1122306009","kind":"news","weMediaInfo":{"introduction":"为用户提供金融资讯、行情、数据，旨在帮助投资者理解世界，做投资决策。","home_visible":1,"media_name":"老虎资讯综合","id":"102","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1608140702,"share":"https://ttm.financial/m/news/1122306009?lang=en_US&edition=fundamental","pubTime":"2020-12-17 01:45","market":"us","language":"zh","title":"U.S. \"online lending Upstart\" Upstart went public, opening up 33%","url":"https://stock-news.laohu8.com/highlight/detail?id=1122306009","media":"老虎资讯综合","summary":"周三，美国网贷平台Upstart登陆纳斯达克，公司IPO定价20美元，今日开盘报26美元，截至发稿，大涨超33%。人工智能贷款平台Upstart成立于2012年，总部位于美国加州，是领先的人工智能（","content":"<p>On Wednesday, the US online lending platform<a href=\"https://laohu8.com/S/UPST\">Upstart</a>Landing on Nasdaq, the company's IPO was priced at US $20, and it opened at US $26 today. As of press time, it has soared by more than 33%.</p><p><img src=\"https://static.tigerbbs.com/5a40ee36c31331a4fba7ec3118400ae3\" tg-width=\"840\" tg-height=\"470\"></p><p><b>Artificial intelligence lending platform</b></p><p>Founded in 2012 and headquartered in California, Upstart is a leading artificial intelligence (AI) lending platform designed to help those in need find affordable credit while reducing risks and costs for bank partners. The original purpose of Upstart is to build the connection between young entrepreneurs and investors. In 2014, Upstart, recognizing the trend that future analytics of consumers will be better applied to the personal loan market, turned to the online lending platform it is currently in, and saw<a href=\"https://laohu8.com/S/LC\">LendingClub</a>With the rapid growth of P2P loans, it was found that so many people's loan requests could not be met by traditional banks, and the business idea of providing P2P loans to college graduates began to emerge.</p><p><img src=\"https://static.tigerbbs.com/234065ba20a5489de2adc3ec23031dc6\" tg-width=\"600\" tg-height=\"364\"></p><p>Since its inception, Upstart's banking partners have originated 620,000 personal loans, generating more than 9 million repayment events. About 70% of loans powered by Upstart in the nine months ended September 30, 2020 were fully automated.</p><p>Upstart claims to be the leading cloud-based artificial intelligence loan platform in the prospectus, but in layman's terms, it is still an online P2P loan platform. Everyone knows that a few days ago, Liu Fushou of the China Banking and Insurance Regulatory Commission said at the annual financial meeting that domestic P2P online lending institutions have completely returned to zero, so what kind of gap has prevented this American P2P company from embarking on the old path of the destruction of its Chinese counterparts?</p><p><b>Silicon Valley Star Executive</b></p><p>The co-founder and CEO of Upstart is Dave Girouard, who was the former president of Google Enterprise Apps and is widely known for single-handedly building the Google Enterprise Apps division worth more than $1 billion.</p><p><img src=\"https://static.tigerbbs.com/6cab7ad961c7bad22b91784ee0437adf\" tg-width=\"900\" tg-height=\"680\"></p><p>Girouard will own 17.7% of the company when it goes public. Google Ventures is also an investor in the company and will own 1.1% of the company's shares after it goes public.</p><p>Girouard believes there are loopholes in the current credit system. He said young people, particularly millennials, need a better vetting process to predict in advance how trustworthy they are, even if they don't currently have sufficient credit experience. Upstart is committed to solving the credit problems of young consumers through innovative big data credit reporting methods. It believes that traditional credit scores can't well describe the future repayment status of young consumers. On the contrary, the education level, background and work experience of these young people are closely related to the future financial status of these consumers.</p><p><b>Business model</b></p><p>Upstart Holding has proposed an improved machine learning-based credit scoring model that uses 1,600 new data points that more accurately describe the borrower, especially considering the college he attended, the courses he took, and even the GPA. The company has accumulated 15 billion data points (input parameters and payment data). As a result, 622,079 loans were issued using the platform. The test shows that with the help of the Upstart score, potential borrowers who qualify for a concessional loan will increase by 27%, and the rate cut on them will reach 16% on average. At the same time, the quality of loans has not deteriorated.</p><p><img src=\"https://static.tigerbbs.com/eca6be16495bb6a0d3223534e33b350a\" tg-width=\"1089\" tg-height=\"471\"></p><p>The company gets a commission from the bank and brings borrowers to the bank, which has access to a cloud-based scoring system, while borrowers get their ratings through a mobile app.</p><p>Banks can also license a white-label solution to provide scoring under their own brand, in which case Upstart acts as a sort of technology partner. It now has 10 partner banks, the largest of which is Cross River Bank. It was founded in 2008 by French entrepreneur Gilles Gayde and is currently actively cooperating with financial technologies. Its customers include operators of marketplaces, electronic payment systems, p2p landings and Ripple cryptocurrency.</p><p><b>FINANCIAL</b></p><p>According to the prospectus, Upstart's revenue in 2017, 2018, and 2019 was US $57.29 million, US $99.31 million, and US $164 million, respectively; Upstart's revenue in the first nine months of 2020 was $147 million, compared with $102 million in the same period last year.</p><p>Upstart's operating losses in 2017, 2018, and 2019 were US $7.536 million, US $7.97 million, and US $4.575 million respectively; Upstart's operating profit in the first nine months of 2020 was $1.372 million, compared with an operating loss of $8.09 million in the same period last year.</p><p><img src=\"https://static.tigerbbs.com/631f730273d1906cf81cc698c4be6842\" tg-width=\"1096\" tg-height=\"694\"></p><p>Its profits remained high despite a poor second quarter, in which its partners temporarily suspended loans at the start of the pandemic, resulting in a 71% drop in loan deals and a 47% drop in revenue. The company posted a profit of approximately $4.6 million in the first nine months of 2020, compared to net replacement of nearly $10 million in the same period last year.</p><p>As of September 30, 2020, Upstart had $53.2 million in cash and $194.6 million in total liabilities. Free cash flow was negative ($45.5 million) for the twelve months ended September 30, 2020. Judging from the prospectus, Upstart has expanded its business from personal loans to auto loans, credit cards, mortgages, student loans, point-of-sale loans, etc. In June 2020, Upstart began offering auto loans on the platform of, while in September 2020, the first auto loan was initiated through the Upstart platform.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>U.S. \"online lending Upstart\" Upstart went public, opening up 33%</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nU.S. \"online lending Upstart\" Upstart went public, opening up 33%\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">老虎资讯综合 </p>\n<p class=\"h-time smaller\">2020-12-17 01:45</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>On Wednesday, the US online lending platform<a href=\"https://laohu8.com/S/UPST\">Upstart</a>Landing on Nasdaq, the company's IPO was priced at US $20, and it opened at US $26 today. As of press time, it has soared by more than 33%.</p><p><img src=\"https://static.tigerbbs.com/5a40ee36c31331a4fba7ec3118400ae3\" tg-width=\"840\" tg-height=\"470\"></p><p><b>Artificial intelligence lending platform</b></p><p>Founded in 2012 and headquartered in California, Upstart is a leading artificial intelligence (AI) lending platform designed to help those in need find affordable credit while reducing risks and costs for bank partners. The original purpose of Upstart is to build the connection between young entrepreneurs and investors. In 2014, Upstart, recognizing the trend that future analytics of consumers will be better applied to the personal loan market, turned to the online lending platform it is currently in, and saw<a href=\"https://laohu8.com/S/LC\">LendingClub</a>With the rapid growth of P2P loans, it was found that so many people's loan requests could not be met by traditional banks, and the business idea of providing P2P loans to college graduates began to emerge.</p><p><img src=\"https://static.tigerbbs.com/234065ba20a5489de2adc3ec23031dc6\" tg-width=\"600\" tg-height=\"364\"></p><p>Since its inception, Upstart's banking partners have originated 620,000 personal loans, generating more than 9 million repayment events. About 70% of loans powered by Upstart in the nine months ended September 30, 2020 were fully automated.</p><p>Upstart claims to be the leading cloud-based artificial intelligence loan platform in the prospectus, but in layman's terms, it is still an online P2P loan platform. Everyone knows that a few days ago, Liu Fushou of the China Banking and Insurance Regulatory Commission said at the annual financial meeting that domestic P2P online lending institutions have completely returned to zero, so what kind of gap has prevented this American P2P company from embarking on the old path of the destruction of its Chinese counterparts?</p><p><b>Silicon Valley Star Executive</b></p><p>The co-founder and CEO of Upstart is Dave Girouard, who was the former president of Google Enterprise Apps and is widely known for single-handedly building the Google Enterprise Apps division worth more than $1 billion.</p><p><img src=\"https://static.tigerbbs.com/6cab7ad961c7bad22b91784ee0437adf\" tg-width=\"900\" tg-height=\"680\"></p><p>Girouard will own 17.7% of the company when it goes public. Google Ventures is also an investor in the company and will own 1.1% of the company's shares after it goes public.</p><p>Girouard believes there are loopholes in the current credit system. He said young people, particularly millennials, need a better vetting process to predict in advance how trustworthy they are, even if they don't currently have sufficient credit experience. Upstart is committed to solving the credit problems of young consumers through innovative big data credit reporting methods. It believes that traditional credit scores can't well describe the future repayment status of young consumers. On the contrary, the education level, background and work experience of these young people are closely related to the future financial status of these consumers.</p><p><b>Business model</b></p><p>Upstart Holding has proposed an improved machine learning-based credit scoring model that uses 1,600 new data points that more accurately describe the borrower, especially considering the college he attended, the courses he took, and even the GPA. The company has accumulated 15 billion data points (input parameters and payment data). As a result, 622,079 loans were issued using the platform. The test shows that with the help of the Upstart score, potential borrowers who qualify for a concessional loan will increase by 27%, and the rate cut on them will reach 16% on average. At the same time, the quality of loans has not deteriorated.</p><p><img src=\"https://static.tigerbbs.com/eca6be16495bb6a0d3223534e33b350a\" tg-width=\"1089\" tg-height=\"471\"></p><p>The company gets a commission from the bank and brings borrowers to the bank, which has access to a cloud-based scoring system, while borrowers get their ratings through a mobile app.</p><p>Banks can also license a white-label solution to provide scoring under their own brand, in which case Upstart acts as a sort of technology partner. It now has 10 partner banks, the largest of which is Cross River Bank. It was founded in 2008 by French entrepreneur Gilles Gayde and is currently actively cooperating with financial technologies. Its customers include operators of marketplaces, electronic payment systems, p2p landings and Ripple cryptocurrency.</p><p><b>FINANCIAL</b></p><p>According to the prospectus, Upstart's revenue in 2017, 2018, and 2019 was US $57.29 million, US $99.31 million, and US $164 million, respectively; Upstart's revenue in the first nine months of 2020 was $147 million, compared with $102 million in the same period last year.</p><p>Upstart's operating losses in 2017, 2018, and 2019 were US $7.536 million, US $7.97 million, and US $4.575 million respectively; Upstart's operating profit in the first nine months of 2020 was $1.372 million, compared with an operating loss of $8.09 million in the same period last year.</p><p><img src=\"https://static.tigerbbs.com/631f730273d1906cf81cc698c4be6842\" tg-width=\"1096\" tg-height=\"694\"></p><p>Its profits remained high despite a poor second quarter, in which its partners temporarily suspended loans at the start of the pandemic, resulting in a 71% drop in loan deals and a 47% drop in revenue. The company posted a profit of approximately $4.6 million in the first nine months of 2020, compared to net replacement of nearly $10 million in the same period last year.</p><p>As of September 30, 2020, Upstart had $53.2 million in cash and $194.6 million in total liabilities. Free cash flow was negative ($45.5 million) for the twelve months ended September 30, 2020. Judging from the prospectus, Upstart has expanded its business from personal loans to auto loans, credit cards, mortgages, student loans, point-of-sale loans, etc. In June 2020, Upstart began offering auto loans on the platform of, while in September 2020, the first auto loan was initiated through the Upstart platform.</p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/49d24d8a4dc222ff3937b6e467e9e863","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1122306009","content_text":"周三，美国网贷平台Upstart登陆纳斯达克，公司IPO定价20美元，今日开盘报26美元，截至发稿，大涨超33%。人工智能贷款平台Upstart成立于2012年，总部位于美国加州，是领先的人工智能（AI）贷款平台，旨在帮需要者找到负担得起的信贷，同时降低银行合作伙伴的风险和成本。Upstart最初的宗旨是构建年轻企业家和投资人的连接。2014年，Upstart认识到对消费者的未来分析将被更好地运用于个人贷款市场的趋势，就转向到了目前所处的在线借款平台，并且在看到LendingClub的迅猛增长，发现有这么多人的借贷请求时无法通过传统的银行来满足，开始产生了面向大学毕业生提供P2P贷款的商业思路。自成立以来，Upstart的银行合作伙伴已发放了62万笔个人贷款，产生了超过900万笔还款事件。截至2020年9月30日的9个月中，由Upstart提供动力的贷款中约有70％是完全自动化的。Upstart在招股书中自称是领先的基于云的人工智能贷款平台，但通俗点来说这依然是一家网上P2P贷款平台，大家都知道前几天，银保监会刘福寿在财经年会上表示，国内P2P网贷机构已经完全归零，那么到底是什么样的差距，让这家美国P2P公司没有走上中国同行全军覆灭的老路？硅谷明星高管Upstart的联合创始人兼首席执行官为Dave Girouard，他曾是谷歌企业应用前任总裁，因一手打造了价值超过10亿美元的谷歌企业应用部门而广为人知。Girouard在上市后将拥有公司17.7%的股份。谷歌风投也是该公司的投资者，在上市后将拥有该公司1.1%的股份。Girouard认为目前的信贷体系存在漏洞。他表示，年轻人，特别是千禧一代，需要一个更好的审查过程来提前预测他们的可信程度，即使他们目前没有足够的信贷经历。而Upstart通过创新的大数据征信的手段致力于解决年轻消费者的信贷难题，认为传统的信用评分并不能很好地描述年轻消费者的未来还款状况，相反，这些年轻人的教育程度和背景以及工作经历和这些消费者的未来金融状况密切相关。商业模式Upstart Holding公司提出了一种改进的基于机器学习的信用评分模型，该公司使用了1600个新的数据点，这些数据点更准确地描述了借款人，特别是考虑了他就读的学院，他所学的课程，甚至是GPA.该公司已经积累了150亿个数据点（输入参数和支付数据）。结果，使用该平台发放了622079笔贷款。测试表明，在Upstart评分的帮助下，有资格获得优惠贷款的潜在借款人将增加27%，对他们的利率下调平均将达到16%。同时，贷款质量并没有恶化。该公司从银行获得佣金，并将借款人带到银行，银行可以访问基于云计算的评分系统，而借款人可以通过移动应用程序获得他们的评级。银行也可以授权一个白标签解决方案，以自己的品牌提供评分，在这种情况下，Upstart充当了一种技术合作伙伴。它现在有10家合作银行，其中最大的是Cross River银行。它2008年由法国籍企业家Gilles Gayde创立，目前正积极与金融科技合作，它的客户包括市场、电子支付系统、p2p登陆和Ripple加密货币的运营商。财务状况招股书显示，Upstart在2017年、2018年、2019年营收分别为5729万美元、9931万美元、1.64亿美元；Upstart在2020年前9个月营收为1.47亿美元，上年同期的营收为1.02亿美元。Upstart在2017年、2018年、2019年运营亏损分别为753.6万美元、797万美元、457.5万美元；Upstart在2020年前9个月运营利润为137.2万美元，上年同期的运营亏损为809万美元。尽管第二季度业绩不佳，但其利润仍然很高，第二季度其合作伙伴在大流行开始时暂时暂停了贷款，导致第二季度的贷款交易下降了71％，收入下降了47％。该公司在2020年的前9个月中实现利润约460万美元，而去年同期的净替代接近1000万美元。截至2020年9月30日，Upstart拥有5320万美元的现金和1.946亿美元的总负债。截至2020年9月30日的十二个月内，自由现金流为负（4550万美元）。从招股书来看Upstart已经将业务从个人贷款扩展到汽车贷款，信用卡，抵押，学生贷款，销售点贷款等。2020年6月，UPstart开始在的平台上提供汽车贷款，而2020年9月，第一笔汽车贷款是通过Upstart平台发起的。","news_type":1,"symbols_score_info":{"UPST":0.9}},"isVote":1,"tweetType":1,"viewCount":1840,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":391039036,"gmtCreate":1606430160025,"gmtModify":1704965583086,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3472536105367512","authorIdStr":"3472536105367512"},"themes":[],"htmlText":"?","listText":"?","text":"?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/391039036","repostId":"1193091081","repostType":4,"isVote":1,"tweetType":1,"viewCount":1814,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":306850206,"gmtCreate":1604356626005,"gmtModify":1704955665406,"author":{"id":"3472536105367512","authorId":"3472536105367512","name":"faysl","avatar":"https://static.tigerbbs.com/385a91ac1b409f10d98d858f94c89d90","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3472536105367512","authorIdStr":"3472536105367512"},"themes":[],"htmlText":"Mark&nbsp;","listText":"Mark&nbsp;","text":"Mark","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/306850206","repostId":"1190877170","repostType":4,"repost":{"id":"1190877170","kind":"news","weMediaInfo":{"introduction":"为用户提供金融资讯、行情、数据，旨在帮助投资者理解世界，做投资决策。","home_visible":1,"media_name":"老虎资讯综合","id":"102","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1604327521,"share":"https://ttm.financial/m/news/1190877170?lang=en_US&edition=fundamental","pubTime":"2020-11-02 22:32","market":"sh","language":"zh","title":"Opening: The three major U.S. stock indexes opened higher across the board, and Nio's stock price hit a record high","url":"https://stock-news.laohu8.com/highlight/detail?id=1190877170","media":"老虎资讯综合","summary":"11月2日（周一），美股三大股指全线高开，标普500指数上涨35.90点，涨幅1.10%，报3305.87点；纳斯达克指数上涨93.30点，涨幅0.86%，报11004.93点；道琼斯指数上涨358.","content":"<p>On November 2 (Monday), the three major U.S. stock indexes opened higher across the board, with the S&P 500 index rising 35.90 points, or 1.10%, to 3305.87 points; The Nasdaq index rose 93.30 points, or 0.86%, to 11004.93 points; The Dow Jones index rose 358.40 points, or 1.35%, to 26,860.04 points.</p><p><img src=\"https://static.tigerbbs.com/3c92b922cfecd48bf60c117a3598e055\" tg-width=\"840\" tg-height=\"470\"></p><p>New car-making forces in Chinese concept stocks generally rose. Nio Automobile rose by about 11%, and its stock price hit a record high. Deliveries in October increased by 100.1% year-on-year. Li Auto rose more than 8%, XPeng Motors rose nearly 11%, and Mavericks Electric rose more than 4%.</p><p>Lufax rose more than 6% and was included in the MSCI Global Standard Index Series and the MSCI China Full Index Series.</p><p>Anpaike rose more than 27%. The company announced today that its investment in Jiangsu Anpaike Health Management Co., Ltd. has obtained nucleic acid testing qualifications in the first half of the year. The company's medical laboratory in Jiangsu has obtained nucleic acid testing certification on October 17, and has begun to receive paid nucleic acid sample testing.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Opening: The three major U.S. stock indexes opened higher across the board, and Nio's stock price hit a record high</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nOpening: The three major U.S. stock indexes opened higher across the board, and Nio's stock price hit a record high\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">老虎资讯综合 </p>\n<p class=\"h-time smaller\">2020-11-02 22:32</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>On November 2 (Monday), the three major U.S. stock indexes opened higher across the board, with the S&P 500 index rising 35.90 points, or 1.10%, to 3305.87 points; The Nasdaq index rose 93.30 points, or 0.86%, to 11004.93 points; The Dow Jones index rose 358.40 points, or 1.35%, to 26,860.04 points.</p><p><img src=\"https://static.tigerbbs.com/3c92b922cfecd48bf60c117a3598e055\" tg-width=\"840\" tg-height=\"470\"></p><p>New car-making forces in Chinese concept stocks generally rose. Nio Automobile rose by about 11%, and its stock price hit a record high. Deliveries in October increased by 100.1% year-on-year. Li Auto rose more than 8%, XPeng Motors rose nearly 11%, and Mavericks Electric rose more than 4%.</p><p>Lufax rose more than 6% and was included in the MSCI Global Standard Index Series and the MSCI China Full Index Series.</p><p>Anpaike rose more than 27%. The company announced today that its investment in Jiangsu Anpaike Health Management Co., Ltd. has obtained nucleic acid testing qualifications in the first half of the year. The company's medical laboratory in Jiangsu has obtained nucleic acid testing certification on October 17, and has begun to receive paid nucleic acid sample testing.</p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/ff6e3231d788a5a6d28cf7965385cc7f","relate_stocks":{"LI":"理想汽车","PDD":"拼多多",".SPX":"S&P 500 Index","NIO":"蔚来","XPEV":"小鹏汽车","JD":"京东","BABA":"阿里巴巴",".DJI":"道琼斯",".IXIC":"NASDAQ Composite","TSLA":"特斯拉"},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1190877170","content_text":"11月2日（周一），美股三大股指全线高开，标普500指数上涨35.90点，涨幅1.10%，报3305.87点；纳斯达克指数上涨93.30点，涨幅0.86%，报11004.93点；道琼斯指数上涨358.40点，涨幅1.35%，报26860.04点。中概股造车新势力普涨，蔚来汽车涨约11%，股价创历史新高，10月交付量同比增长100.1%。理想汽车涨超8%，小鹏汽车涨近11%，小牛电动涨超4%。陆金所涨超6%，获纳入MSCI全球标准指数系列和MSCI中国全指数系列。安派科涨超27%，该公司今日宣布，其投资的江苏安派科健康管理有限公司已于上半年获得核酸检测资质，该公司位于江苏的医学检验所已于10月17日获得了核酸检测认证，并已开始接收付费的核酸样本检测。","news_type":1,"symbols_score_info":{"TSLA":0.9,"LI":0.9,".SPX":0.9,".IXIC":0.9,".DJI":0.9,"PDD":0.9,"BABA":0.9,"JD":0.9,"XPEV":0.9,"NIO":0.9}},"isVote":1,"tweetType":1,"viewCount":1104,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}