You can also talk about big finance in the kitchen, more than 460 billion people watch her for free to talk about finance ｜ Read+

"Isn't it money"

The last time Yan Bojun was the hot number of science science. This time He Qingyu, made the financial science.

He Qingyi's background board is not a bank counter, mostly in the kitchen. This tone determines that she does not intend to sit in a danger, but uses the short way of parents to talk about financial -related knowledge. She pulled finance down the altar and also used the true face of "money".

In this way, the needs of tens of millions of people have been hit. In this field of services, she came in handy, and also led a lot of "sister -in -law" and "uncle". Everyone should not start talking about finance, and to solve the problem of hunger and thirst for financial knowledge for the masses.

It can be seen that as long as we have the intention, there are really many fields in our lives to be opened. As long as we change our thinking, change the tone, and adjust the scene, we can have the effect of changing the earth. But slow, "this" and "that time" seems simple, but it is not easy, because the hard core difficulties involved still need insights, and the knife of Ding Ding is needed. How to provide better and more intimate services for the masses, which makes people understand and understand, what the masses think, what they want, what is anxious, what is the most simple and thoughtful service.

In the past, there were too few money and precious. Many people felt that "finance" was far away and mysterious. Some of the years are different, social wealth has increased greatly, and the "vests" of money are too dazzling. The keenness of He Qingzhang is that they realize that finance also needs to be charm. (Liu Gonghu)

He Qingyu.

When it comes to "finance", everyone will feel that it is a less grounded learning. The employees are bright and beautiful. A series of financial concepts such as PE, ABS, DIF always look so unpredictable, and most people often can't touch it.

But in fact, finance is not far from us, and financial knowledge is often used in life.

In the past two years, most of the people who often brush Douyin will come to "He Qingyu". The financial science popularization Internet celebrity often appears in the kitchen, wearing home clothes, hairstyle tied at will, sweet and gentle, talking in the most simple and most life -oriented language talks about the esoteric financial concept. The number of opening numbers is more than two years. At present, the number of fans on the entire network of "He Qingzhang" reached 12.7 million, and the viewing volume on Douyin alone reached more than 460 billion people.

Why can the woman in this kitchen be so attractive to finance? Why are more than 12 million people willing to learn finance with her? The Yangtze River Daily Reader+interviewed He Qingyu last week.

"Master of Wife"

On April 13, 2020, He Qingzheng released the first video, with a playback volume of 4.034 million, and the number of likes was 92,000.

This video is only 24 seconds.

"Wife and wife, what is the first and secondary markets?"

The man's "five brothers" saw the voice disappeared, and only a home woman "He Qingyi" appeared in the camera. I saw her staring at the potato sirloin in the pot, stirred it with chopsticks from time to time, and wanted to say, "What about the first -level market, you go directly to buy the equity of the unlisted company. What about the secondary market? Software, go to buy the stocks thrown out of those little retail investors, do you understand? "

Netizens in the comment area tried to understand: "The first -level market is the distribution market, and the secondary market is the circulation market, which is so simple." Other said, "Oh, I understand, the first -level market is equivalent to the supermarket supermarket What, the secondary market is the sale of the vegetable market. "

He Qingzheng praised these, and further explained in the comment area: "The first -level market is equivalent to first -hand housing, you directly trade with real estate developers; the second -class market is second -hand house, you have traded with the former landlord, so you can give it a matter of this. Example everyone understands? "

Netizens lamented: "Don't look at the kitchen small, it's all financial."

Along the number of "finance in the kitchen", the volume of the second video reached 25.985 million, and the praise rose to 540,000. Within a week, the number of "He Qingzhang" rose from more than 10,000 to more than 600,000.

Many netizens just called He Qingzheng's "wife" and praised her as "a stove economist" and "100,000 living people." He Qingzheng accepted these names and wrote "the omnipotent wife" in the personal introduction column.

Among her fans, there are both "husband fans" who like her ground style, as well as people who have a blank knowledge of financial knowledge, and learners who are financial practitioners, but they have a half -knowledge of knowledge, and some senior financial sectors. I also like to chase more "He Qingyu", thinking that she is both beautiful and mindful. Some people have sorted out the knowledge of He Qingzheng and shared it on the Internet for friends who are interested to learn and collect.

But there are also things that make them unexpected. Because He Qingzheng's "wife" was on fire, a group of "sister -in -law" and "husband" appeared.

She dreamed of becoming a food UP master

Although He Qingzheng in the video often chooses vegetables, cooks, and rubbed hoods in the kitchen, the general focus is on financial knowledge, and it is difficult to see what she is burning and cooking. She was confident in her cooking skills and said that she had "fed a lot of fat". This also made fans curious about the five brothers who had never appeared, and wanted to get a glimpse through He Qingzhang's sunglasses.

Recently, the couple He Qingyu ushered in their first child. After giving birth to a baby, they also made a video of "a child bigger, what cartoons are better to show him?" It expresses its own appreciation of the aesthetics of Chinese cartoons. It is not difficult for fans to find that there are a small amount of food videos hidden in nearly 300 videos. He Qingyi will be skilled to wash the fish, change the flower knife on the back of the fish, boil the oil, put it in the ginger slices, put it in a catfish, fry the water on both sides, put it in catfish to roast tofu, and sometimes make a preserved egg and mix Quick -handed dishes like tofu.

From time to time, she also taught everyone a little trick. I saw that she cut the cornering on the tofu box and blow it gently, and the tofu fell completely.

These are pure food videos and do not involve any financial and financial knowledge. Netizens wondered: "Did you go the wrong scene? Isn't it to say finance?" He Qingyi replied: "My dream is to become a food UP owner (referring to the person who uploads videos on a video website)."

【Interview】

"My father was almost deceived, let me come up with the idea of ​​financial science popularization."

Reading+: Many people are curious, is the classic name of "He Qingzheng"?

He Qingyu: "He Qingyu" is not the real name. Its origin is the shooting of my costume photo. I just wore the green Hanfu in "Knowing No". At that time, I was captured. Later, I felt pretty good. Therefore, it is named "Qing Yan" and also used that photo as the avatar.

Reading+: Every time you answer your husband's five brothers, you will end with a gentle "understanding". Some netizens say that you and I have nothing to do with it. I understand all the videos of you. So what is the origin of "understanding"?

He Qingyi: "Understand the ：" is the dialect of imitating my husband's hometown, but after all, he did not learn, but became a half -hanging "understanding".

Reading+: People have many speculations about your identity and discipline background. Even if people are beautiful, they are so knowledgeable and good to speak. What do they do? Is it a professional, or is it just a "person"?

He Qingyi: I mainly repaired financial management at the undergraduate stage, and studied finance. I received a double bachelor's degree when I graduated from college. At the graduate stage, I across majors and learned journalism.

After work, I first worked as a public business in a big bank. After a private invitation, I resigned in Shanghai in 2015 and worked in a private placement. I still have office workers. of.

Reading+: Since it is an office worker, why did you have the idea of ​​making short videos again?

He Qingyi: Before 2018, my work was mainly based on the first -level market and I needed to travel frequently. After 2018, I started to transfer to financial positions, and my work became idle.

In April 2020, I received a phone call from my father, saying that someone called him a "high cost performance" wealth management product with an annualized income of about 20%. My father sought my opinion: "Can you pick it up?"

"I can't believe it!" At this time, I suddenly realized that my father was a professional who worked in a financial system and lacked the understanding of many financial terms and the consciousness of financial risks. What about ordinary people? It may be more confused.

With the mentality of "helping people to avoid the pit", I came up with the idea of ​​popularization.

Read+: What do you say to move your husband?

He Qingyi: At that time, my current husband and his boyfriend "Five Brother" just closed his shop, and he was doing nothing at home. The two of us did not hesitate too much, so we took a video of financial science popularization.

In fact, in the minds of the fifth brother, "He Qingyi" should be a number of food. He wanted to post the video I usually cook to the Internet to play online. The two of us were folded, and we were still cooking, but the financial term I wanted to say was interspersed in the middle.

This "hodgepodge" is "He Qingyu".

Reading+: What do you think have to avoid?

He Qingyi: Too much. For example, "mouse warehouse", some fund managers will first use their own money to buy a stock, then steal the stocks, and then use the funds that they take care of themselves in this stock. "". After the price of this stock is fired high -commonly known as "sedan", the fund manager will turn his own private stocks to sell it, so that the people who buy his fund to destroy themselves and carry huge risks. It is called a mouse warehouse.

Many managers and some financial teachers are in disguise, and encourage everyone to buy it. In fact, it is to help them pick up the inventory, so remind everyone.

There are also "leverage", for example, you have 100,000 yuan, and you happen to meet a daily limit board in the stock market, and you can earn 10%, then you have 110,000 in your hands. But if you use 100,000 yuan as a deposit, ask the bank to loan 1 million, and the same 10%daily limit board, you can make 100,000 yuan, plus the previous 100,000 deposit, you will have 200,000 in your hand. Small gameplay is called leverage. However, the total amount of wealth will not change. Nine adults are lost, and novices must avoid leverage.

There is also the "northern fund", which is the money from the Hong Kong stock market to the mainland stock market. Because Hong Kong is south of the mainland, these flowing hot money is called north to funds. In the past, many old shareholders liked to buy stocks with funds north. In recent years, there have been more and more "fake old foreigners", so the funds on the north can be referred to, but don't be superstitious. I have also participated in a public welfare video called "Online Gambling, which may start with a cup of milk tea". I want everyone to see how online gambling makes people step by step.

"After listening to our free lessons, it is not easy for others to be blindly hooked."

Reading+: Share it with complex financial knowledge and use it with easy understanding with netizens. Why do you particularly emphasize this?

He Qingyi: Compared with financial practitioners, the finance in the eyes of ordinary people is more like a fog with golden light, but this fog is likely to make them out of their homes.

Later, I also checked some financial education courses, and most of them received 19,000 yuan or even more than 20,000 yuan. And some of their professors are actually extracted from the content of the CPA and Note.

For most ordinary people who have not touched finance, this threshold is actually a bit high. And a considerable part of the curriculum content is difficult to understand and it is impossible to play a role in daily life.

What I want to do with Wu Brother and I want to sell tens of thousands of financial terms, free science science to each little partner, so as to avoid as much as possible people to avoid pits and getting started finance, not to mention that they can be able to say that they can When engaged in related work, at least when you can hear those salesmen, when you use financial term Hu Kan, you can have a number in your heart, don't hook it. This is enough.

I hope to go to terms and implement the exercise, so I will shatter the knowledge of "avoiding the pit", and I will even add a lot of parentheses to the subtitles to further explain clearly and try to let everyone understand.

Reading+: Many bloggers think about how to monetize knowledge. Do you do it for free?

He Qingyi: In fact, I am different from everyone. Originally, both of us had their own work and income. The video was the same as playing tickets in itself, and we didn't want to make money or something.

However, some friends later were entrepreneurs in themselves. On the one hand, they could help them, and on the other hand, they could also take the opportunity to play different places, so I took some daily chemicals (advertisements) that I was interested in. Everyone can buy or not, I can go purely for fun.

For example, after the Xinjiang cotton incident last year, in order to support Xinjiang cotton, I specially took a friend's towel advertisement to go to Xinjiang to shoot the quality of cotton in Xinjiang.

However, no matter what, I will adhere to the original intention of "knowledge should be free". In terms of popular science knowledge, I don't have a little benefit.

Many new concepts of people are essentially "the 17th -century tulip"

Reading+: Some videos are about financial concepts such as DIF, Blasting, and equivalent principal and interest. These concepts are actually very difficult to understand, and it is also very difficult to explain, but after some explanation, the threshold of these concepts immediately immediately goes out. Low, it seems that everyone can understand; even if it is not fully understood, I understand a lot. This skill is actually very deep. How did it do?

He Qingyi: In fact, many times, for us, the most difficult place for us is the thinking mode. Because the current popular international financial theory is mostly built on the western marine civilization of small countries. Therefore, the meaning behind many nouns and terms, in different cultural backgrounds, you may not translate well.

Then after artificial debugging, in order to pursue accuracy and academic rigor, this translation must be added to many specific conditions, so the definition of a string of restrictions appears.

But in fact, the formation of finance itself is very scribbled. Just like the original stock exchange, born in the 17th century Netherlands. Its original meaning is just to allow people who buy and sell East India's stocks to have a fixed market, similar to our Panjiayuan and Liulichang today. It's just that we buy and sell Wenwan, and they buy and sell stocks.

The subsequent fine rules were built on this humble model. It is like a patch one after another, the purpose is to make up for the loopholes, not because the patch itself is perfect, it is hit on the exchange.

Another example is the US subprime mortgage crisis, in fact, it is actually because of lending money to people with insufficient qualifications, or if you don't return the account, so the thunder that explodes successively. The famous ABS, CDO, and CDS are actually a game that all the financial risks were thrown to others in order to shake the pot.

Many domestic financial terms are the same, and it looks very tall, but in fact, this tall product and concept is likely to just make a patch to make up for a loophole.

Just according to our cognitive habits, it is more inclined to define it as a very "new" term.

Therefore, many experts and big V are used to explaining a term from a new perspective. Such a result is often more restricted words, more conditions, and more esoteric books.

And I like to interpret the cause of it from work and practice, and similar solutions to history, so everyone can accept it better and understand better. But in fact, I just treat them as a patch for the skin. Many new concepts that seem to be bluffed are actually "the 17th century tulip".

Reading+: Finance is "tall" in the eyes of the public.

He Qingyi: Actually not. Finance is not a tall thing.

The knowledge base must be continuously supplemented with research reports and reading papers is commonplace

Reading+: knowledge is exhausted, how to maintain inventory?

He Qingyi: As for the knowledge inventory, I think there are two lucky places. One is that I need to deal with people from all walks of life during my work. After all, if you want to invest in a category, you must first understand it. So reading the research report and reading thesis itself is one of my work. Therefore, because of work needs, the knowledge base is actually replenishing;

The second is that most of my work attributes require offline communication. I can communicate with the elites of many industries. During the communication process with them, I can learn more about the situation, rather than copy the book. In the subtle way, the life experience of these industries and the sense of interaction experience of the financial system will also be corrected to the knowledge I learned in the past. When the two concepts form a collision, new knowledge often occurs.

Reading+: You often show people with the image of the home, answer and answer. Is this the normal state of life, or is it conscious design?

He Qingyi: This is pure because I did not expect to be fire at the time, and patted it, so there was no makeup or other deliberate design. Now I want to change it too late, I have been free.

Reading+: Many self -media big V are behind the team. Are you the same?

He Qingyi: Indeed, there are just graduated college students who have participated in our "hundred people teams". It is really impossible to laugh and laugh. We do n’t have a hundred people team. We have only two people. The fifth brother is shooting. We have not worked with any financial and educational institutions, nor did we quarrel with any teacher because of professionalism.

What made me care about is that there were some fake numbers that pretended to be "He Qingyu", and began to add netizens, and even deceive everyone. There are also laundering (through content tampering, sequential adjustment, reshapeing and expressions, and "packaging" the work of others as their original works is a plagiarism in disguise).) Our works. However, those who have been washed up and plagiarized are generally classic financial terms, such as PE, short, futures, mouse warehouses, public storage area, ABS, bridge, etc. "District", such as DIF, Capital Reserve, Blasting Warehouse, equivalent principal and interest, equivalent principal, and other interest rates. Because the difficulty factor is higher, many plagiarismers are on the way.

Reading+: Fans who have chased your videos often found that you have been a mother not long ago. But the "He Qingyao" account still maintains the frequency of three or five days, the longest and not more than one week. Is it enough energy?

He Qingyi: At present, I am confinement in my hometown in Jiangsu and will return to Shanghai at the end of the month. The latest two videos are targeted at the decline in gold prices and many people playing gold. The content involves jet lag, non -agricultural, element cycle tables, gold trend laws, policies, and so on. The explanation is not a long time of preparation. I did not read the subtitles, and I didn't have so much energy when I was confinement.

Generally speaking, a video will only take about half an hour, and it will only take a little time on checking subtitles and editing. The accumulation of these knowledge is obtained at work.

Reading+: Your update is not high. What are you doing at other times?

He Qingyi: Go to work, go home to cook, go out to play. I am still hanging up in the company now, so I still have to go to some occasions and meetings, but fortunately, work is more free, not as tiring as when I was running for business.

Sometimes when I am idle, or when I can go out to play, I like to drive a car and walk around. It may be some old residential areas, or some rural towns, or tranquil or hustle, all of which are very delicious.

Also, my requirements for eating are relatively high, so I also like to cook at home. I think the happiest thing is that after watching the people from the opposite side get off work, they snorted and eaten all the steaming meals, which was still very fulfilled.

After all, shooting videos is not our job, it is just a small life clip.

Reading+: What are the long -term plans for the "He Qingyi"?

He Qingyi: Maybe I can do my best to accompany you for a long time. As long as you can let one person avoid the pit, I think what I do now is meaningful, I know? (Changjiang Daily reporter Qin Mengting)

【Edit: Wang Yujin】

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