ZhiZhi Gewu

Before I elaborate on the thoughts, I should give readers the typical risk management framework for existing customers used in consumer loans (In a mature market, the contribution of new users is relatively small). Users are segmented into different risk tiers corresponding to predicted default risks. It is similar to

Recently, I have a chance to pick up a book on the history of GIC (Government of Singapore Investment Corporation). The book gives important backgrounds of the creation of GIC. In my opinion, it is a short history of Singapore’s reserve management and its currency. In 1965, Singapore separated

In the last 2 years, I spent a lot of money on electronics and camera gear. Recently, I made an inventory list. I found that I have spent around HKD 250K. This is a large sum of money for me. I reflected on the reasons. First, it happens when I

We read a lot about the economy in the news. They are like data points describing the state of the economy, such as GDP, capacity utilization, purchase managers’ index, cpi, etc. Without a general framework in mind, it is overwhelming. We need to have a framework in mind even if

Time is the most precious resource. With the advancement in technology, it becomes more difficult to safeguard time. I am an iPhone user. After checking the “Screen Time”, the top 3 most used apps are WeChat, Instagram, and YouTube (Actually, the 3rd is Safari. But it is less likely to

The planning takes a top-down approach. It starts with the principles that seem right to me and ends with the specific tasks. Reflecting on how I did planning, I put too much emphasis on the details of a specific goal without explaining the motivation and general theme behind it. Principles