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清华大学朱燕:围绕科技创新探索房地产金融体系

来源:ebet白金会   发布时间:2019-11-08   点击量:478

    12月15日,由清华大学互联网产业研究所和清华大学经济管理学院房地产协会联合举办的清华房地产金融峰会在北京举行。清华大学互联网产业研究所院长朱燕出席了此次峰会,并发表了题为“数字经济带动房地产业”的讲话。朱炎说,现在我们看到的只是数字的流动方面是不够的,而且逐渐向产品方面过度。如果数字经济已经使房地产业成为可能,那么我们应该从房地产业的本质变化中思考更多。房地产金融系统不仅是房地产贷款,不仅是原始的房地产金融产品,而且围绕着当前新技术、技术创新,围绕着这样一系列新的需求来探索现代金融。朱炎指出,无论是在房地产业还是其他传统产业,中国都希望发展智能产业,拓展智能生活,建设智能生活。我们正朝着智能化房地产的方向发展。首先,我们应该减少一点智能房地产,首先,我们不能实现智慧,然后我们可以实现智能。智能化房地产首先能够提供如前所述的智能化服务,从而构建新型的房地产业形态,开创新的房地产管理模式。以下是朱晏讲话的全文:很高兴今天能和我们所有的校友、同学和朋友进行这样的交流!首先,我谨代表互联网产业研究所和经济管理学院,对校友长期以来对学校的支持和关怀表示衷心的感谢。到年底,我们将对今年的收成进行评估,并计划明年的收成。在这样繁忙的时刻,我们在房地产行业举办这样盛大的活动,我们应该说,每个人都挤出时间参加。今天,据估计,许多人也意识到,当他们来到清华校门后,参加这样的会议是多么的困难。他们问最深的哲学问题,你来自哪里,去哪里,参加什么会议?这就是很多人迟到的原因。我向你解释一下,我们迟到的客人确实被门挡住了,不只是在门口。我1点10分已经在门口了,直到最后30点才到会!它也反映了在清华这样一个寒冷的冬天举办如此盛大的活动的价值。这确实会在业界引起更多的思考。数字经济与房地产业的融合已经走过了十多年的历程。从最初的流通一体化方面来看,它已逐步向上游延伸。在流通方面有一些优秀的校友创业企业,但现在它们不仅是流通方面,如莫天泉的许多优秀作品,也为其他行业的校友创业提供了借鉴。现在我们看到,仅仅数字化流通方面是不够的,还需要逐步向产品方面转移。如果数字经济已经使房地产业成为可能,那么我们应该从房地产业的本质变化中思考更多。也许我们可以更容易地理解这样一个行业在未来是否会有巨大的市场,或者是否真的在下降。从2018年的角度来看,我们应该说,虽然现在正处于冬天,但大多数房地产业的城市还没有开始过冬。对于许多小型房地产开发商来说,你已经体会到了寒风刺骨的感觉。尤其在财政紧缩的时候,我们过去只靠招标、开发、销售或者一些简单的操作。这种模式显然不能满足当今时代的需要。房地产业在考虑我们应该朝哪个方向发展?真的只有少数几家大型的房地产龙头企业,没有其他的小型地产企业节庆的出路吗?不一定。我们的互联网产业研究所专注于产业创新、产业交叉和产业转型的研究。有三个层次。创新是建立在现有工作的基础上的。产业交叉是两个或几个产业的融合。产业转型就是抛弃现在,勇于拥抱未来。恐怕在接下来的十年里,我们现有产业的一半以上将会消失。产业的消失并不意味着完全消失,而是将改变经营方式和经营内容。如果房地产行业能真正改变自己产品的特点,那房子就不再只是一个钢筋混凝土盒子,我相信这个行业也必须在转型的浪潮中,还能继续带来巨大的市场机会。去年,建筑房地产业的规模应该是19万亿到20万亿。如此巨大的规模并不一定给我们带来问题,但关键是如何更理性地思考数字经济时代房地产业的需求变化。事实上,要说这样的危机并不意味着我们真的需要改变职业,不这样做,或者我们需要找到出路。现在国家政策给了我们一条出路。出路在哪里?当我们看第十九次全国代表大会的报告时,我们对房地产业有信心。经济将向什么方向转变?国家已经说过,产业体系的实体经济、科技创新、现代金融、人力资源的协调发展。毫无疑问,实体经济是核心。我们必须建设以实体经济为主体的全社会。科技创新和现代金融是两翼。房地产业是一个实体经济,但需要科技创新和现代金融,而不是目前的金融。现在的财务思路是上市,考虑IPO,考虑如何循环资金快速运行,这不是我们想要插进房地产的翅膀。如果房地产公司或创新型房地产公司仍然在考虑如何快速IPO,如何快速循环资金,我建议你在过去两年改行做其他事情,因为这不会给你留下太多的机会。现代金融是以房地产产品的变化和人们的需求为基础的。例如,尽管国家尚未就SDO问题发表意见,但SDO与房地产业的整合很有可能趋同。SDO最近很热。SDO是一种安全的令牌,实际上是资产证券化。虽然这种趋势似乎有点颠覆,但是块链有着非常重要的应用空间,它似乎同时冲击了太多的金融领域。然而,对于库存资产的振兴,对于整个资产市场的振兴具有重大的参考意义。即使现在没有办法直接做SDO,我们可以用这个想法来思考如何建立一个房地产金融。房地产金融系统不仅是房地产贷款,不仅是原始的房地产金融产品,而且围绕着当前新技术、技术创新,围绕着这样一系列新的需求来探索现代金融。因为这些金融概念,在某种程度上,使社会变得浮躁。过去几年,这里有很多人习惯于做基金经理。现在他们回来了。别让他做制造业。你让他做房地产,他们不喜欢做。为什么?赚钱太慢了。因为他做基金经理赚钱太快了,所以表现很浮躁。我们不能仅仅促进这样的资本市场。这三方面最终需要落实在人力资源之上,也就是说,要有人,我们最缺乏的不是领导型人才,我们最缺乏的是能够支持房地产数字化的底层人才。例如,张勇主席和莫主席总是领导军队。关键是军队在哪里。他们都是数字房地产的精英,但如果没有数字房地产的工人,没有数字房地产的军队让他领导他们,我们怎么办?因此,未来的房地产业将需要大量的低水平数字房地产工人,正如现在需要大量的建筑工人一样,我们需要做这样的准备工作,以适应未来工业体系的重建。Specifically speaking, the Internet, big data and AI should be deeply integrated with us, not shallow integration, not putting a robot in the sales office, or artificial intelligence, or making some intelligent recommendation on the Internet or big data application, which we think are shallow applications. What are our so-called deep applications? Value-creating applications are called deep applications, that is to say, because you use artificial intelligence, the building sold 20% more, this is the ability, this is you really change your product. If we do not create such additional value, then many of our applications should be said to bring us only a burden, and not really create value for society. 我们也希望房地产企业在考虑互联网、大数据和人工智能,他们必须站在消费者市场的角度看什么样的数据环境和人工智能未来的人们需要。我申请了在过去两年多的专利。我发现了一个房地产公司和我合作。这是我申请的专利。我没有做过多年的技术。我毕业于清华大学工程物理系。我以前做的核能和核技术和中子扩散方程。后来发现,资产行业不是钢筋水泥啊,我们做了两个专利。例如,它是关于什么的?人的需要。现在房子越来越大,但电磁信号越来越差。在这个时候我们应该做什么?A slightly larger house has a wireless repeater, which means that the radiation in the room is beyond the standard. Nowadays for air pollution, many people know to wear masks in foggy days. But when the real 5G era comes, when electromagnetic signals are everywhere, have you ever thought about how to prevent radiation? This kind of radiation disturbs human beings and their physiological systems, especially insomnia. There are many factors in urban insomnia, one of which is electromagnetic interference. Can we reduce the electromagnetic interference in a home? So at that time, we proposed to do a family electromagnetic optimization, to do this electromagnetic environment optimization. To do two things, the first thing is to optimize the antenna gain in the wall or to bury the antenna in every room while building a real estate house. 这样的无线路由器覆盖整个房间以最低的辐射,这是一方面。其次,卧室不想要一个小的电磁辐射,不叫在卧室里。大家谁研究了电磁防护知道只要金属网加六面,金属网添加到所有的墙壁,窗户很容易处理,和金属网添加到玻璃,所以房间里没有电磁辐射。现在的专利申请已经到来,但还需要进一步论证了在房地产行业。What are we going to do with this example? We should see that the so-called deep integration is to create demand, to meet demand, because people have such awareness of it as an important living environment, so they are willing to pay for such an environment. When he is willing to pay for it like this, you just provide him with an App for life service. I believe he is behind the times. 我们需要做一些所谓的转型升级,或让我们的产业转移到价值链的顶端。无论是房地产或其他传统产业,我国希望发展智能产业,扩大智能生活建立智能生活。我们向着智能化房地产开发。首先,我们应该减少智能房地产一点。First, we can not achieve wisdom, and then we can achieve intelligence. Intelligent real estate is first able to provide intelligent services as just mentioned, so as to build a new form of real estate industry and create a new mode of real estate management. Will there ever be a day when real estate or this house can be sold below cost? Even those present who meet certain conditions will give you a free gift. 当然,我们期待张勇总统创造了这样一个模型。今天的会议将开始一系列的礼物。当然,这需要在多边市场,为了实现这样一个免费的商业模式,这是不可能的,这不是一个笑话,这就是我们现在正在努力追求一种新的传统市场经营模式。最大的机会,我们的新经济创造了来自新的要求。Here I will give you an example. It is not bought by ordinary people in real estate. It is another real estate. It is a cemetery enterprise in Japan and also a real estate enterprise. What we do is the business of Yin House, not the business of Yang House. He made AR cemetery. 那是什么意思?You take your cell phone to the cemetery and take a look at the tombstone. The two people buried inside come out. Then you can talk to you about how you came to see me. If you dont come to see me again, Ill go to see you. We know that this means that the real estate company has transformed and upgraded into a big data, cloud computing company. 有什么需要他激活?这个戴着对继承的需要。我们每个人都有继承的需要。这种继承不是规模和体系。我可以使用AI,AR,即AI、增强现实技术,让您的声音和笑容在房地产。即使二百年后,你的后代将仍然能够看到你的样子。否则,每个人都会知道你的祖父看起来像。喜欢吗?你不知道。这个信息是如此迷失。二百年后,你也可以告诉你的子孙,我做了什么,当我开始搜索。你想给后人的启示是多么伟大。大家都知道,这是真正的家庭财富。Family wealth is not a bank deposit, but your experience, your culture, your knowledge, the information you can leave to future generations. I think this is the first aspect of creating a new economy. The second is the new rule, we need to constantly create new rules of real estate industry, the original real estate in China is zero, we do not know what this rule looks like. 后来,我们创造了中国房地产行业的第一个黄金十年。当所有人都不知道如何在互联网上找到住房资源和如何在互联网上做房地产交易,另一组企业可以成为对网络和房地产整合的第二个十年的代表性企业。现在我们是在创造一系列基于块链新规则的时期,人工智能和量子计算。块链是在中国比在大洋的另一边更热。这并不是说我们喜欢狂热的新名词,也不是因为比特币中国掏得最多的,因为大量的矿山企业是在中国的西部,不是因为这样的原因。更重要的是,通过块链为代表的新技术是创建旧规则和新规则。We know that the cost of breaking the old rules on the basis of a system that has already been established is quite high. This is the western developed countries. Relatively speaking, our rule system is not so perfect, so it will be easier for us to establish new rules, which is the fundamental reason why block chains are so popular in China. 它的热,但我不知道有多少我能坚持。恐怕我们已经建立在今年企业成千上万。到明年六月,我们不会有太长的。In six months, well see if there are still one hundred left and how many will fall. Of course, the reason is not that their technology is not good, their ideas are not advanced, and the situation is not right. It is that although China seems to be easy to achieve the block chain, it may be more difficult than the United States. We need to be prepared to create rules so that you can really apply block chains in real estate. You need to know what benefits it can bring to us. Before we reach a conclusion about Token, I think the application of toB block chain in real estate industry is more worthy of expectation. If Token has a definite conclusion, the application of block chain to C in the real estate industry will be very valuable to us. That is to say, the Internet has now developed to the stage of value internet, which used to be data Internet from 1974 to 1994, information internet from 1994 to 2014, and value Internet from 2014 to now. Value Internet block chain is the key technology, because it can solve the problem of trustworthy transactions on untrustworthy networks. The Internet itself is untrustworthy. It often says that it does not know whether a person or a dog is behind the screen. Now the technology of block chain can make it credible, so that the era of value Internet can come. In this sense, the real estate transaction calls for such technology, which can make us cheaper, more efficient and more valuable in the whole system transaction process. The infrastructure of Value Internet is P2P, which is a philosophy and embodies the philosophy of equality between people. P2P point-to-point is also the protocol of the network, and is the underlying technology of the network. 但我们应该明白的价值可以带给我们的视角,如何让每一个参与者都平等。转型要求我们有更深远的思考,而不仅是产品集,或在一些数字的水平,而且对我们的校友,道德水平,尤其是Tsinghua,他有一个深刻的房地产行业的理解。我把互联网思维的三个层次。这不是仅仅想通过渠道。至少我们需要社会的思考。社会思维意味着什么?The market we are facing has become a two-dimensional market, not just a one-dimensional market. One-dimensional market is your real estate, two-dimensional is the community brought about by the real estate, and in this community is absolutely not only residents or community services simple things, we need to see more is the new mode of business operation formed by two intertwined, we call it community-based enterprises. In the era of digital economy, two-dimensional market makes us have to think about the new business model that enterprises should deal with these two dimensions. 这样的一种商业模式适用于网状人口的结果,而不是种群的结果。我们目前的人口基本上是一个树形结构。一个企业的总经理,还有各部门下面。经常有人在下面,所以它是一棵树。树型结构的商业模式不同,一个网状的人群。我在这里列出其中的一些。从传播的角度来看,它是从原始的向外向内向外向内传播自媒体传播。当然,你应该知道,自媒体是不是微信或者微博,但Weixin还是微博。Weixin和微博应被视为一种公共的自媒体。如果你让你的销售人员在朋友圈卖他们的房子,你会发现,他们最终会没有朋友卖房子。每个人都把他拉黑。也就是说,它不是一个卖东西的地方。怎么能叫自媒体吗?是你想成为媒体。你的社区应该成为你的媒体传播的每一个节点,和你的员工应该成为你的媒体传播的每一个节点。Based on these considerations, we can see that we need to think in a new market environment, how to rebuild the business model of real estate enterprises, which is rebuilt in a multilateral market environment. That is to say, I am a real estate company, I just developed five customers, but not now. According to the two-dimensional market model just now, in fact, these customers can be connected on your real estate platform, that is to say, formed a large number of connections, if a large number of related customers come in, you will find inexhaustible connection resources. 这些连接资源是数字房地产建设的基础。We should transform them into wealth and resources of real estate industry. With such resources, if we can create value for us, we can reshape the business model of the real estate industry. To sum up, the West has mainly established the democratization of society and economy adapted to the needs of industrial production, while the East pursues some connections and systematic philosophical ideas. We said in the Book of Changes that five elements are mutually reinforcing, which is basically the same as the real estate multilateral market model I drew. Zhouyi talks about connection. Now we are at the stage of development under the guidance of Oriental philosophy. 我们需要使用这些连接的想法重塑整个社会和企业治理。在行业的变化是非常突出的世界各地,我列举了在这些行业的变化和冲击的可能性有多大,包括在教育行业本身。这些行业的变化最终将实现的产品,所以我也总结了互联网创新产品的三个新特点。你可以看看你的房子真的手机吗?你的房子的参与?你的房子是智能?If your answer is yes, congratulations, you are a real estate company in the digital age! Lets conclude my speech with two formulas. The first one is that the Internet multiplies the traditional industry by the asset-heavy operation. 也就是说,房地产行业是一个重资产,但你不能放弃重资产,重资产仍然是你的优势,但你必须考虑对重资产的基础上进行了一系列数字的轻资产模式。第二公式是将互联网的传统行业就是利用网络规模经济创造价值。网络规模经济是不同于生产的规模经济。这就要求我们不断地从每一个成员的增加获得价值。换句话说,房地产开发商不再是商人,但运营商。你可以继续获得价值的操作,这样我们就可以在房地产行业的数字时代创造更大的财富。清华是一个高度熟练的大学。这里的许多校友也技术爱好者。新技术层出不穷。我只介绍其中一些。我们期待对房地产出台更多的校友,与Tsinghua做一个更紧密的结合,让我们共同创造一个聪明的房地产的明天,谢谢你!责任编辑:张银文

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