家企財富中心 VNHK Centre of Family Wealth Enterprises

家企財富中心 VNHK Centre of Family Wealth Enterprises Since 2012, the incarnation of the business conception of VNHK Academy of Leadership and Management

當香港很多朋交,在過去一週忙於 Fintech Week 2024;我卻受越南新興 金融科技 / 保險科技 初創孵化中心 Vietnam AIA Exchange 的 聯合創辦人 邀請 去參觀 AIA Exchange Centre  。一...
29/10/2024

當香港很多朋交,在過去一週忙於 Fintech Week 2024;我卻受越南新興 金融科技 / 保險科技 初創孵化中心 Vietnam AIA Exchange 的 聯合創辦人 邀請 去參觀 AIA Exchange Centre 。

一個初創孵化中心,2個議會室每個可容千人,有中餐西餐聽 ,最重要是 初創孵化內容 ( Incubation Programme ) ,不但孵化 金融科技/保險科技,同時也孵化MDRT百萬圓桌。

#香港

#越南新興


#金融科技

#保險科技

#初創孵化中心



#聯合創辦人



#百萬圓桌 。

      BRICS Nations Announce Global Blockchain Payment System to De-De-Dollarize Global Trade Finance As reported on a R...
25/10/2024





BRICS Nations Announce Global Blockchain Payment System to De-De-Dollarize Global Trade Finance

As reported on a Russian news agency, BRICS countries (Brazil, Russia, India, China, and South Africa) have announced the creation of a blockchain-based payment system to establish a more inclusive, efficient, and politically neutral global financial ecosystem, leveraging the latest in digital and blockchain technologies to facilitate trade settlements independent of the US dollar (de-dollarization).

明堂啟示 之 改革金融工具系統及結算交易程序金磚國家透過「區塊鏈」發行新金磚國家貨幣介紹金磚五國——巴西、俄羅斯、印度、中國和南非——代表了全球經濟的重要力量。隨著他們探索引入一種新的金磚國家貨幣,通過這種貨幣促進貿易和實現金融結算的潛力已...
24/10/2024

明堂啟示 之 改革金融工具系統及結算交易程序
金磚國家透過「區塊鏈」發行新金磚國家貨幣

介紹

金磚五國——巴西、俄羅斯、印度、中國和南非——代表了全球經濟的重要力量。隨著他們探索引入一種新的金磚國家貨幣,通過這種貨幣促進貿易和實現金融結算的潛力已經引起了人們的關注。陳博士將討論與新金磚國家貨幣相關的潛在經濟轉變和去美元化,並對“新金磚國家法案”持樂觀態度。它還將探討 2024 年 10 月金磚國家會議的預期成果、中國新品質生產力力量的含義,以及這些力量如何與新的金磚國家貨幣合作。此外,它將利用SWOT分析和博弈論插圖討論新的金磚國家支付系統、它對美元的影響及其支援。

加入金磚國家和 2024 年 10 月會議的國家

2024 年 10 月在俄羅斯喀山舉行的金磚國家峰會上,包括墨西哥、埃及、奈及利亞和巴林在內的新成員國參加了峰會。這些國家熱衷於加入金磚國家集團,認識到潛在的經濟利益和影響力。峰會的主要議程包括討論金融合作、本幣貿易和建立新的金磚國家支付系統。

金磚國家會議的預期成果
喀山峰會側重於幾個關鍵領域:
1. 促進當地貨幣貿易
2. 國際金融機構的改革
3. 引入新的金磚國家貨幣和支付系統
4. 加強會員國之間的金融合作

《喀山宣言》強調建立一個更具包容性和公平性的國際金融體系,反映了金磚國家對減少對美元的依賴和促進經濟穩定的承諾。

中國提出「新質量生產力」的力量

中國新質量生產力力量是指國家旨在提高各個部門生產力和品質的戰略舉措。這包括技術、基礎設施和人力資本方面的進步。例如,中國的「一帶一路」倡議 (BRI) 旨在通過對基礎設施專案的大量投資來加強全球貿易互聯互通。這些舉措可以通過促進經濟合作和提高金磚國家新貨幣的貿易效率,使金磚國家受益匪淺。

金磚國家與金磚國家新貨幣合作

新的金磚國家貨幣由黃金和當地貨幣混合支援,為美元提供了一種穩定且有價值的替代品。這種貨幣可以促進金磚國家之間更順暢的貿易交易,降低貨幣兌換成本並加強經濟合作。例如,向巴西出口商品的中國公司可以用新的金磚國家貨幣結算交易,從而最大限度地降低匯率風險和交易成本。

新的金磚國家支付系統

金磚國家支付系統基於「區塊鏈」技術,旨在為跨境交易提供一個安全高效的平臺。與 SWIFT 等傳統系統相比,該系統提供透明度、縮短交易時間並降低成本。通過利用區塊鏈,金磚國家可以確保交易安全且可驗證,從而培養交易者之間的信任和信心。

對美元的重要性和影響

引入新的金磚國家貨幣可能會對美元的主導地位產生重大影響。隨著金磚國家減少對美元的依賴,全球對美元的需求可能會下降,從而導致潛在的去美元化。例如,如果金磚國家開始以新貨幣進行石油交易,全球石油市場對美元的需求可能會減少,從而影響美元的價值和影響力。

市場另類投資理論

從市場另類投資理論的角度來看,新的金磚國家貨幣由黃金和當地貨幣組合支援,提供穩定性並降低波動性。這種方法與投資組合多元化策略一致,後者表明將投資分散到不同的資產中可以降低風險並提高回報。金磚國家貨幣的支援旨在提供可靠的價值儲存手段,吸引在全球金融不確定性中尋求穩定的投資者。

金磚國家真的能貶低美元嗎?

雖然完全拋售美元可能雄心勃勃,但新的金磚國家貨幣可以顯著減少對它的依賴。這一舉措的成功取決於新貨幣在貿易和金融結算中的廣泛採用和接受。如果金磚國家及其貿易夥伴接受新貨幣,可能會導致逐漸遠離美元。

SWOT 分析

優勢:

多元化:提供美元的替代品,減少對單一貨幣的依賴。
穩定性:以黃金和當地貨幣為後盾,確保價值和穩定性。
創新:區塊鏈技術提高了透明度和效率。

弱點:

整合:需要對現有財務框架進行重大調整。
接受度:獲得全球信任和接受可能需要時間。

機會:

經濟增長:促進金磚國家的經濟獨立和增長。
全球影響力:增強歐盟在全球貿易中的影響力。

威脅:

政治緊張局勢:地緣政治衝突可能會影響穩定性和接受度。
市場波動:黃金價格和當地貨幣的波動可能會影響價值。

博弈論插圖

博弈論提供了對戰略決策和合作的見解。在這種情況下,金磚國家可以被視為遊戲中的參與者,尋求實現其經濟利益的最大化。新的金磚國家貨幣可以創造一個合作博弈場景,金磚國家之間的合作會帶來互惠互利。通過採用新的貨幣和支付系統,金磚國家可以降低交易成本並提高貿易效率,為所有成員創造雙贏局面。

結論

金磚國家新貨幣的推出代表著朝著重塑全球金融格局邁出的重要一步。通過減少對美元的依賴和促進金融主權,金磚國家可以建立一個更加平衡和公平的國際金融體系。雖然挑戰仍然存在,但新貨幣的潛在好處使其成為未來全球貿易的一個引人注目的選擇。

#金磚五國
#巴西
#俄羅斯
#印度
#中國
#南非
#金磚國家貨幣
#促進貿易
#金融結算
#金磚國家支付系統
#區塊鏈技術
#跨境交易
#金磚國家
#支付
#系統
#區塊鏈
#技術
#博弈論
#市場另類投資理論
#市場
#另類投資理論
#貨幣
#黃金

週中反思 -- 代代教養 ; 相傳代代Bildung -- By Generations For Generations一切從「周禮」開始
16/10/2024

週中反思 --
代代教養 ; 相傳代代
Bildung -- By Generations For Generations
一切從「周禮」開始

The Ecosystem of Economics in Art and Culture: A Catalyst for Vietnam's Economic GrowthThe interplay between art, cultur...
14/10/2024

The Ecosystem of Economics in Art and Culture:
A Catalyst for Vietnam's Economic Growth

The interplay between art, culture, and economics forms a unique ecosystem that contributes significantly to the development and prosperity of a nation. In Vietnam, this ecosystem has the potential to drive economic growth, enhance cultural heritage, and promote social cohesion. This essay explores the importance of economics in art and culture, illustrates how this ecosystem operates with profits, and examines the economic and financial impacts on Vietnam, providing real-world examples to support these points.

The Importance of Economics in Art and Culture

Art and culture are not merely sources of entertainment or expressions of creativity; they are also vital economic assets. The economics of art and culture encompasses various sectors, including tourism, creative industries, and urban development. By investing in these sectors, Vietnam can leverage its rich cultural heritage to stimulate economic growth and diversify its economy.

Example 1: Tourism

Tourism is a significant contributor to Vietnam's economy, and cultural heritage plays a crucial role in attracting tourists. Sites such as the ancient town of Hoi An, the My Son Sanctuary, and the Imperial Citadel of Thang Long are UNESCO World Heritage Sites that draw millions of visitors annually. These cultural landmarks generate substantial revenue through tourism-related activities such as hospitality, transportation, and local crafts. The Hoi An Lantern Festival, for example, attracts thousands of tourists, supporting local businesses and creating jobs.

Example 2: Creative Industries

The creative industries, encompassing sectors like film, music, fashion, and visual arts, are integral to the cultural economy. In Vietnam, these industries have seen significant growth, contributing to economic diversification and innovation. The Vietnamese film industry, for instance, has gained international recognition with films such as "The Third Wife" and "The Scent of Green Papaya" receiving critical acclaim and awards at international film festivals. These films generate revenue through box office sales, streaming platforms, and international distribution deals.

How the Ecosystem Operates with Profits

The ecosystem of economics in art and culture operates through a synergy of creative activities, economic transactions, and cultural exchange. This ecosystem comprises various stakeholders, including artists, cultural institutions, businesses, and policymakers, working together to create value and generate profits.

Example 1: Saigon Outcast

Saigon Outcast, a creative space in Ho Chi Minh City, exemplifies how the ecosystem operates with profits. It serves as a platform for artists, musicians, and entrepreneurs to showcase their talents and collaborate on innovative projects. Saigon Outcast hosts events, exhibitions, and workshops that attract both locals and tourists, generating revenue through ticket sales, sponsorships, and merchandise. This revenue supports local artists and contributes to the city's economy.

Example 2: Hanoi Creative City

Hanoi Creative City is another example of a successful cultural hub. It provides a space for creative professionals to collaborate and innovate, fostering the growth of creative industries. The hub hosts various cultural events, exhibitions, and markets, generating revenue and attracting investments. This, in turn, creates jobs and stimulates economic activity in the surrounding area.

Economic and Financial Impacts

The operation of the ecosystem of economics in art and culture has several economic and financial impacts on Vietnam. It creates jobs, attracts investments, and stimulates economic growth. Additionally, it enhances the country's cultural heritage and promotes social cohesion.

Job Creation

The cultural and creative industries are significant sources of employment in Vietnam. By supporting these industries, the ecosystem creates jobs for artists, musicians, filmmakers, designers, and other creative professionals. For example, the Hoi An Lantern Festival supports local artisans who produce the lanterns, as well as businesses in the hospitality and retail sectors.

Investments and Economic Growth

Investments in cultural infrastructure and creative industries attract both domestic and international investors. The development of cultural hubs like Saigon Outcast and Hanoi Creative City has attracted investments in real estate, tourism, and retail. These investments generate revenue, create jobs, and stimulate economic growth.

Social and Cultural Impacts

The ecosystem of economics in art and culture also has positive social and cultural impacts. It promotes cultural exchange, enhances social cohesion, and preserves cultural heritage. Events like the Hoi An Lantern Festival and the success of Vietnamese films on the international stage showcase Vietnam's rich cultural heritage and promote a positive image of the country.

Conclusion

Overall, the ecosystem of economics in art and culture plays a vital role in boosting Vietnam's economy. By promoting tourism, fostering creative industries, and enhancing urban development, this ecosystem generates substantial economic and financial benefits. Real examples such as the Hoi An Lantern Festival, Saigon Outcast, and Hanoi Creative City demonstrate the tangible impact of this approach.

I strongly support the development of the ecosystem of economics in art and culture in Vietnam. By investing in cultural infrastructure, supporting creative industries, and promoting cultural heritage, Vietnam can create a more diverse and resilient economy, capable of sustaining growth and enriching the lives of its citizens. The integration of art and culture into the economic framework is essential for the nation's continued prosperity and development.


#爔炬明堂



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慶賀中國建國75 周年;並賀香港啟動經濟及金融改革新中國建國75周年標誌著中國從世界上最貧窮的國家之一轉變為第二大經濟體。這些年來,中國幫助數百萬人擺脫了貧困,實現了普及識字,社會走向小康之國,並成為創新和氣候行動的全球領導者。這一成功得到...
30/09/2024

慶賀中國建國75 周年;並賀香港啟動經濟及金融改革

新中國建國75周年標誌著中國從世界上最貧窮的國家之一轉變為第二大經濟體。這些年來,中國幫助數百萬人擺脫了貧困,實現了普及識字,社會走向小康之國,並成為創新和氣候行動的全球領導者。這一成功得到了幾項關鍵舉措和政策的基礎,包括習近平主席積極推動的「共同富裕」意識形態。

分析香港啟動金融改革前,必先理解中國的「共同富裕」意識形態

中國的「共同富裕」意識形態旨在減少收入不平等並促進公平的經濟增長。這個概念植根於幾個關鍵原則:

1. 減少收入不平等 : 通過財富再分配和社會福利政策縮小不同社會群體和地區之間的收入差距。
2. 促進公平和平衡發展:確保包括農村地區在內的所有地區都能從經濟增長中受益。
3. 鼓勵高收入者捐款 : 鼓勵高收入個人和企業通過慈善和社會責任活動為社會做出更多貢獻。
4. 可持續高質量發展 : 注重可持續實踐和高品質增長,確保經濟長期穩定。

中國的「共同富裕」實際案例

1. 財富再分配:浙江省一直是財富再分配計劃的試點地區,重點是改善公共服務和社會福利。
2. 監管打擊 : 政府針對科技和私立教育等行業,以遏制超額利潤並確保公平競爭。
3. 慈善和社會責任 : 阿裡巴巴和騰訊等公司已承諾為社會福利專案投入大量資金,以符合共同富裕的目標。

「共同富裕」能説明香港嗎?

香港金融市場面臨重大挑戰,包括經濟衰退和失去方向。實施中國「共同富裕」意識形態的各個方面可以提供切實可行的解決方案:

1. 促進包容性增長- 舉例:通過稅收優惠和補助金支持中小企業和初創企業,香港可以實現經濟多元化。這種方法反映了中國為支援小型企業和減少對大公司的依賴所做的努力。
2. 鼓勵「共同富裕」可持續投資- 舉例:香港可以促進綠色金融和可持續投資,類似於中國對高品質發展的關注。香港證券交易所 (HKEX) 可能會推出更多綠色債券和可持續發展掛鉤金融產品。
3. 透過「共同富裕」促進粵港澳灣區一體化的社會福利- 舉例:改善教育、醫療保健和住房等社會服務可以為人才創造更穩定的環境。這與中國改善農村地區公共服務的舉措相一致。
4. 加強粵港澳灣區域合作- 舉例:通過與中國國內建立更緊密的經濟聯繫,香港可以從共用的資源和市場中受益。粵港澳灣區發展規劃等舉措可以透過「共同富裕」促進粵港澳灣區金融一體化與合作。
5. 促進創新和技術- 舉例:透過「共同富裕」促進粵港澳灣區金融一體化與合作,利用粵港澳灣區人工智慧、區塊鏈和大數據的進步來發展金融科技行業可以推動增長。這與中國強調將創新作為經濟發展的驅動力相吻合。
6. 監管粵港澳灣區一體化資金流動與財富分配- 舉例:實施促進企業社會責任和慈善事業的政策可以確保金融部門為更廣泛的社會目標做出貢獻。這與中國監管高收入和鼓勵為社會福利做出貢獻的努力類似。

結論和建議

為了支持這些想法的實際應用,以下是一些可行的建議:

 成立中小企及初創企業基金:設立專項基金,為香港的中小企及初創企業提供財政支持和激勵措施。
 推動綠色金融舉措:在香港證券交易所推出更多綠色債券和可持續發展挂鉤金融產品,以吸引專注於ESG的投資者。
 加強社會服務 : 投資改善教育、醫療保健和住房,為人才和投資者創造更具吸引力的環境。
 加強區域合作:利用大灣區發展規劃,加強與中國大陸的金融一體化和合作。
 鼓勵企業社會責任 : 在上市公司中實施促進企業社會責任和慈善事業的政策,以確保更廣泛的社會貢獻。

通過與中國共同富裕倡議的原則保持一致,香港可以應對其經濟挑戰,並創建一個更加公平、可持續和創新的金融市場。這些實際例子和建議說明瞭如何應用這種意識形態來促進香港金融業的長期增長和穩定。

#新中國建國75周年
#新中國 #建國75周年
#國慶75周年
#中國共同富裕
#共同富裕
#中國香港共同富裕國際金融中心
#中國香港共同富裕國際股票交易所
#粵港澳灣區金融一體化

Success 2025 - by Luck? vs by Serendipity?[ Day 02 Section] Demand Chain Management  During the luncheon section, I shar...
08/09/2024

Success 2025 - by Luck? vs by Serendipity?
[ Day 02 Section] Demand Chain Management

During the luncheon section, I shared with the senior management of a large enterprise, before launching the annual plan of 2025, market-demand information should be gathered and communicated more with your colleagues at the grassroots level, but if there is any planning of new policies or development directions, out-reach more to the grassroots, and wait for them to understand the intentions of the upper management.

The worst thing is that if the top management don't do it towards the grassroots, many middle-level people will figure out their own intentions, or when they give instructions downward, there will be distortions, which is extremely unideal.

After lunch I also mentioned to my young colleagues in the class that the development of technology is too fast, so things are ever-changing, whereas if they don't continue to life-long-learning, even if they happen to new opportunities, they will not be able to catch them.




#2025







當平民也在說,也在討論  #家族辦公室,家族辦公室也變成 Cheap;   &   不願成為 KPI 對象。  #繼承 /  #承繼 也有新產品  技巧又upgrade 又再升級Legacy也在Redefining
27/08/2024

當平民也在說,也在討論 #家族辦公室,家族辦公室也變成 Cheap; & 不願成為 KPI 對象。

#繼承 / #承繼 也有新產品
技巧又upgrade 又再升級
Legacy也在Redefining

How can I rebranding myself ?
27/08/2024

How can I rebranding myself ?

財富管理 2024:本納週期如何預測 100 多年的市場波動Wealth Management 2024 : How The Benner Cycle Predicts 100+ Years of Market MovementSamuel...
20/08/2024

財富管理 2024:本納週期如何預測 100 多年的市場波動
Wealth Management 2024 : How The Benner Cycle Predicts 100+ Years of Market Movement

Samuel Benner 是一位 1800 年代的農民,他想了解市場週期是如何運作的。 1875年,他出版了一本預測商業和商品價格的書。他指出了多年的恐慌、多年的美好時光和多年的艱難時光。
Samuel Benner was a farmer from the 1800s who wanted to understand how market cycles worked. In 1875, he published a book forecasting business and commodity prices. He identified years of panic, years of good times, and years of hard times.

恐慌年:在這些年裡,市場陷入恐慌,非理性地買入或賣出股票,直到其價格飆升或暴跌,超出任何人最瘋狂的預期。
Panic Years: These are years when the market panicked, either buying or selling a stock irrationally until its price skyrocketed or plummeted beyond anyone’s wildest expectations.

好時光:本納認為這些年是高價時期,也是賣出股票、價值和各種資產的最佳時機。
Good Times: Years Benner identified as times of high prices and the best time to sell stocks, values, and assets of all kinds.

困難時期:在這些年裡,本納建議購買股票、商品和資產並持有它們,直到「繁榮」時期的好時光,然後拋售。
Hard Times: In these years, Benner recommends buying stocks, goods, and assets and holding them until the “boom” years of good times, then unload.

賺錢的時期--請見附件
Periods When To Make Money see the attached photo

週日反思 之 利益衝突在香港,1) 關於 保險 投資評論/投資意見也均受香港的保險業監管局 (Insurance Authority) 監管 ;2) 關於 股票/資本 投資評論 / 投資意見也均受香港的證券及期貨事務監察委員會 ( Secu...
18/08/2024

週日反思 之 利益衝突
在香港,
1) 關於 保險 投資評論/投資意見也均受香港的保險業監管局 (Insurance Authority) 監管 ;
2) 關於 股票/資本 投資評論 / 投資意見也均受香港的證券及期貨事務監察委員會 ( Securities and Futures Commission) 監管 ;

但是,地產物業的投資投資評論 / 投資意見 呢 ?
地產代理監管局(英語:Estate Agents Authority,簡稱監管局或地監局)有冇權監管呢 ? 有冇牙力去監管 ?

#利益衝突
A [conflict of interest] occurs when an individual's personal interests could potentially interfere with their professional responsibilities or decisions. In the context of investing in properties, this might happen if, for example, a real estate agent recommends a property they own or have a financial stake in, rather than one that best suits the client's needs.

To avoid conflicts of interest in property investment decisions, consider the following strategies:

1. [Full Disclosure]: Always disclose any potential conflicts of interest to all parties involved. Transparency helps build trust and allows others to make informed decisions.

2. [Independent Advice]: Seek advice from independent third parties who have no vested interest in the transaction. This can include financial advisors, property inspectors, or legal professionals.

3. [Clear Policies]: Establish and adhere to clear policies and procedures regarding conflicts of interest. This can include guidelines on how to handle situations where conflicts arise.

4. [Regular Audits]: Conduct regular audits and reviews of investment decisions and processes to ensure compliance with conflict of interest policies.

5. [Training and Awareness]: Provide training for all involved parties on recognizing and managing conflicts of interest. Awareness is key to preventing conflicts from influencing decisions.

6. [Segregation of Duties]: Ensure that different individuals handle different aspects of the investment process. For example, the person recommending a property should not be the same person who stands to benefit financially from the sale.

By implementing these strategies, you can help ensure that property investment decisions are made fairly and ethically, minimizing the risk of conflicts of interest¹²³.

#利益衝突

#保險
#保險業監管局
#保監

#股票
#資本
#投資評論
#投資意見
#證券及期貨事務監察委員會

#證監會

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