又逢岁末，2023年即将画上新的句号。这一年，是变局之年、也是复苏之年。我们回顾一年来中国经济领域的热点人物、热点字词，用“热度”下的思考解读2023年，也寻找2024年前行的方向。
At the end of the year, a new end will be drawn in 2023. This year is the year of change and the year of recovery. We look back at hot spots and hot spots in China’s economy over the past year, using “ heat & & rdquo; and thinking about 2023, and looking for the direction to be taken before 2024.
今天，浙商发展研究院（浙商智库）、《浙商》杂志、推出年度系列总评榜，今天是第三期“2023浙商年度囧人” ，一起来回顾过去的这一年都有哪些留下印记的年度人物。
Today, the Institute for the Development of Businesses (IBD), the magazine Chest, and the launch of the annual series of general awards are today the third & & ldquo; the 2023 annual & rdquo; and, together, a review of the names of the year figures that have been marked for the past year.
野蛮的代价——许家印
2023年9月，市场传言被证实，许家印被抓了。过去两年，恒大集团扭扭捏捏的自救行动也彻底宣告失败。据媒体的不完全统计，恒大在全国有数百个项目、超过162万套房子烂尾，数百万业主陷入无望的挣扎之中。
In September 2023, market rumours confirmed that Xu’s family had been captured. In the past two years, the stupendous self-help campaign of the Helium Group has also failed.
作为为数不多从农村走出来的超级富豪，曾经的中国恒大集团董事局主席许家印的一生是传奇的，也是悲情的。作为曾经的商业巨头，中国恒大的倒台，更是让人唏嘘不已。
As one of the few super-rich people who came out of the countryside, Xu’s head of the board of directors of China’s long-standing group had a lifetime of legends and sadness. As a once-business giant, China’s great collapse was all the more grotesque.
曾经的恒大在许家印的带领下，如日中天、一路高歌猛进。2018年，许家印的身价已超过3000亿，是当时的中国首富。2021年恒大暴雷，历时一年多的时间，虽然其间许家印无数次喊出要重组，但现实却是他和恒大再也起不来了。
In 2018, the price of Xu was more than 300 billion, the richest in China at the time. In 2021, the thunderbolts lasted more than a year, and despite numerous calls for reorganization, the reality was that he and his elders would never rise again.
负债高企，使得恒大资金链断裂，市场也因此产生了巨大的波动。许家印对金融规律的无知与轻视、在经营中缺乏的大局意识、短视而贪婪的决策……在如今看来显然是一个巨大的失败案例。
The high levels of indebtedness have broken the long chain of capital, which has caused huge volatility in the market. Xu’s ignorance of and contempt for financial rules, lack of awareness of the big business, short-sighted and greedy decision-making & Hellip; & Hellip; is clearly a huge failure today.
如果说2018年时势造英雄，许家印的发家正是抓住了时机借着中国房地产蓬勃发展的东风顺势而起，赚得盆满钵满。可惜人造不了时势，许家印的绝境，无人能够拯救。虽然此前，恒大和资本市场进行了一场胶着而漫长的告别，最终他还是不得不为自己曾经的野蛮付出沉重的代价。
If he was a hero in 2018, Xu’s hairdresser seized the moment and made a fortune in China’s booming real estate. Unfortunately, no one could save Xu’s life.
“网贷教父”陨落——周世平
&ldquao; Neighbors&rdquao; Fall & mdash; & mdash;
12月7日，深圳中院宣布了P2P平台红岭创投电子商务股份有限公司（以下简称“红岭创投”）非法集资案的一审宣判。红岭创投董事长周世平因集资诈骗罪和非法吸收公众存款罪，被判无期徒刑，并处没收个人全部财产。法院查明，2009年至2021年期间，周世平等人通过在红岭创投网上平台发行融资标的，累计向48万余人非法吸收公众存款约1090亿元。
On 7 December, the Hsien Shenzhen House announced a first-instance judgment in the case of the illegal collection of funds by P2P Platform Red Ridge Innovations in Electronic Commerce Inc. (hereinafter & & ldquo; Red Ridge Investment & & & rdquo;) Chairman Zhou Shiping of the Red Ridge Investment Board was sentenced to life imprisonment and confiscation of all personal property for the crime of pooled funds fraud and unlawful appropriation of public deposits. The Court found that, between 2009 and 2021, Queens Zhou had illegally absorbed about $109 billion in public deposits to more than 480,000 people through the distribution of funding funds on the Red Ridge Internet platform.
2008年成立以金融借贷服务为主的红岭创投，兴起于P2P网贷概念刚刚进入中国市场之时。受益于全额垫付和大单模式，红岭创投创立第一年就实现了800多万元的交易量，成为这一领域的龙头企业。2015年单年周交量突破1000亿元。周世平也一度被称之为“网贷教父”。
In 2008, when the concept of P2P net lending began to enter China’s market, a major financial-lending venture was set up. For the benefit of the full advance and large-scale model, the first year of its creation, it achieved more than $8 million in transactions, making it a leading business in this area. A single-week exchange of $100 billion in 2015.
然而，其兴也勃焉，其亡也忽焉。就在红岭创投与周世平看似登顶之时，P2P行业迎来了监管升级。2016年，银监会、工信部、公安部、国家互联网信息办公室四部委联合发布《网络借贷信息中介机构业务活动管理暂行办法》，规定同一借款人在同一网贷机构及不同网贷机构的借款余额上限，红岭创投的大单模式受到冲击。这使得红岭创投退出大单模式，转向小额分散标的业务。
In 2016, four ministries, the Silver Ridge Supervisory Board, the Ministry of Trade and Communications, the Ministry of Public Security, and the National Internet Information Office, jointly issued a provisional scheme for managing the operations of the Internet-based lending and information intermediaries, stipulating that the same borrower should have a ceiling on the balance of borrowing by the same and different credit institutions, and that the large model of the Red Ridge initiative should be hit. This has led to a move away from a single model of investment to a small and decentralized operation.
2017年7月，周世平宣布将在三年后清盘网贷业务，但是进展并不顺利。到了2019年3月，周世平突然发布“虽然清盘，但不是说再见”的清盘声明，并推出全部出借款三年内完成全额兑付的方案。
In July 2017, Zhou Shiping announced that it would clear Internet lending in three years, but that it was not going well. By March 2019, Zhou Shiping suddenly released & ldquo; although it was clean, it did not say goodbye & rdquo; and a clearance statement and introduced a full payment plan within three years of full borrowing.
这一声明事后看来也只是徒劳的“挣扎”。这一年，红岭创投并未完成原定20%的兑付目标，只完成了9.3%。由于清盘计划进展缓慢，一些受到损失的投资者采取极端措施讨债。
After all, this statement was a futile & ldquao; struggling & & rdquao;. This year, the Red Ridge initiative failed to meet the original 20% payout target, only 9.3% of which was achieved, and some of the lost investors took extreme measures to collect their debts, as a result of slow clearance plans.
2021年7月22日，周世平作为实际控制人的深南股份（002417.SZ，已于2023年7月退市）披露，周已被深圳警方采取刑事强制措施。曾经的行业龙头企业也落得“白茫茫一片大地真干净”。
On July 22, 2021, Zhou Se Ping’s deep south shares (002417.SZ, which withdrew from the market in July 2023) revealed that he had been subjected to criminal coercion by the Shenzhen police.
“直播一哥”触法——陈少杰
&ldquao; live broadcast of First Brother & rdquao; in conflict with the law & mdash; & mdash; Chen Shang Jing
时代的风口之上，总会有行业受“风向”的影响而起伏。游戏直播平台、P2P行业和币圈，从过去的兴衰来看，受到影响尤为明显。
At the end of the day, there will always be industries affected by & & & & & & & & & ;. The game live platform, the P2P industry, and currency circles are particularly affected by the growth and decline of the past.
11月中旬，传出斗鱼董事会主席、首席执行官陈少杰被捕消息。本次令陈少杰构成犯罪的，是开设赌场罪。
In mid-November, the Chief Executive Officer and Chairman of the Fish Fight Board, Chen Shao Jie, was arrested.
获罪的陈少杰和斗鱼，早前也饱受业绩下滑之累。业绩下滑之前，斗鱼也曾经有过飞速增长的辉煌时刻，而腾讯是最大的资本推手。
The guilty Chen Shaoji and the fish have also suffered from a decline in performance. Before the fall, the fish had a brilliant moment of rapid growth, and the evangelism was the biggest capital pusher.
2014年，陈少杰带领团队从国内最早的二次元社区和首家弹幕视频网站A站出走，创立斗鱼TV。2019年7月17日，斗鱼成功在美国纳斯达克交易所上市，融资规模达到8.91亿美元，成为当年中概股赴美IPO最大规模的公司。其估值为37亿美元，比前一年上市的虎牙高出53%，稳坐“直播一哥”的宝座。
In 2014, Chen Shakjie led a team out of the country's first second dollar community and the first screen video site, Station A, to create a fish-fighting TV. On July 17, 2019, the fish-fighter was listed on the NASDAQ Exchange in the United States, with a financing of $891 million, becoming the largest IPO company in the middle of the year. It was valued at $3.7 billion, 53% higher than the tiger teeth listed the previous year, sitting & ldquo; live one brother & rdquo; and the throne.
然而，风光来得快，去得也快，同一时期，B站、快手、抖音等中短视频平台崛起，游戏直播平台受到巨大冲击，把“一哥”很快打得找不着北。而如虎牙等曾经排名前三的直播平台甚至直接倒闭，更令同行们感受到了寒意。
However, the wind is fast and fast, and during the same period, medium and short video platforms, such as station B, fast hand, shivering, have risen, and the game live platform has been hit hard, with & & & & & & & & & & ; and it is fast and hard to find the north. The live platform, which used to be the top three, such as tiger teeth, has even collapsed, and it has become more chilling for its peers.
陈少杰的悲剧，触法是表象，找不到新的增长点而面临的颓势是其铤而走险的根本缘由。
The tragedy of Chen Shauji is an appearance, and the failure to find a new point of growth is the root cause of the risk.
“币圈首富”认罪——赵长鹏
&ldquao; rich currency; guilty plea & mdash; & mdash; Zhao Changjun
2023年3月，CFTC对币安和币安创始人、前首席执行官赵长鹏提出指控，理由包括币安在赵长鹏的指示下，积极非法招揽美国客户，并直接在币安平台及量化交易公司上进行数字资产衍生品交易等13项指控。美国证券交易委员会主席加里·詹斯勒（Gary Gensler）表示，赵长鹏和币安的实体参与了一个广泛的欺骗、利益冲突、缺乏披露和蓄意逃避法律的网络。
In March 2023, the CFTC filed charges against Zhao Chang Peng, founder and former CEO of the currency and currency, for 13 charges, including the active and illegal recruitment of American customers under the direction of Zhao Chang Peng, and direct trading of digital asset derivatives on the currency platform and quantitative trading companies. The Chairman of the US Securities and Exchange Commission, Gary & Middot; and Gary Gensler, stated that Zhao Chang Ping and the currency entities were involved in a wide network of deception, conflict of interest, lack of disclosure and deliberate evasion of the law.
2023年11月，赵长鹏宣布卸任币安CEO职务。当时他说：“今天，我辞去币安首席执行官职务。诚然，情感上的放下并不容易。但我知道这是正确的做法。我犯了错误，我必须承担责任。（I made mistakes，and I must take responsibility） 这对我们的社区、币安和我自己都是最好的。”
I made mistakes, and I must take responsibility. This is best for our community, for the currency and for myself.
彼时，2021年的福布斯华人富豪榜上，赵长鹏名列榜首，以当时5733亿元的身价，力压群雄。令其成为首富的密码，是加密货币。他创立的币安公司，一度是全球交易量最大的加密货币交易所。这家成立于2017年的公司，通过首次代币发行就筹集了1500万美元的资金。而后，依靠极快的交易响应速度、50%的交易费用折扣，币安公司在短短八个月内就成为世界上最大的加密货币交易所。
By the way, in 2021, the Forbes Chinese were on the top of the list of rich people, with Zhao Chang Peng at the price of $573.3 billion at the time. It became the richest code, the crypto-currency. The currency company he created, once the world’s largest trader, was an encrypted currency exchange. The company, founded in 2017, raised $15 million through the issuance of its first token.
截至2022年年底，币安拥有超过1.2亿用户，每天处理价值约650亿美元的交易，占市场的70%。币安从中收取手续费，同时自己发行加密货币BNB。按照规模计算，BNB为全球第四大加密货币。
By the end of 2022, the currency had more than 120 million subscribers, processing transactions valued at some $65 billion a day, or 70% of the market. Currency security charged a fee from it and issued its own encrypted currency BNB. By size, BNB is the fourth largest encrypted currency in the world.
如今，赵长鹏面临的最大悬念是，认罪认罚后，是否还会面临牢狱制裁。他依然可能面临最高18个月的监禁。2024年2月23日的量刑听证会之后，悬念将揭示结果。
Today, the biggest suspense faced by Zhao Chang Peng is whether he will face prison sentences after confessing guilt. He may still face up to 18 months in prison. After the sentencing hearing on February 23, 2024, the suspense will reveal the outcome.
“口红一哥”直播翻车——李佳琦
&ldquao; lipstick First Brother & rdquao; live rollover & mdash; & mdash; Li Jiaji
2023年，李佳琦翻车了。
In 2023, Li Jia Qi turned over the car.
花西子眉笔引发粉丝愤怒的背后，也引出了直播带货这一行业带来的资本的傲慢。李佳琦的直播间的槽位价格昂贵且稀有，大量品牌乞求合作只希望通过李佳琦的直播间吸引更多人。我们看到的李佳琦还是那个“足够努力、足够真诚”的李佳琦吗？李佳琦是不是如粉丝评价一般“忘了以前走过的路”？
Underlying the anger of fans is the arrogance of the industry that carries the goods. The slots between Li Jiaqi’s live broadcasts are expensive and rare, and many brands beg for cooperation only to attract more people through Li Jia Qi’s live broadcasts. We see Li Jia Qi or & ldquao; enough effort and sincerity & & rdquo; Li Jia Qi? Is Li Jia Qi like & ldquo; forget the past & & rdquao?
曾经，他站在消费者和品牌之间，做一个让消费者受益、为国货“代言”的人；曾经，他能和消费者共情，贴心的为“小可爱们”推荐性价比更高的产品……由一个普通的柜台销售成为一名电商领军人物的李佳琦，现在被网友嘲讽为“显然有了完全不同的心态呢”。
Once, he stood between consumers and brands to be a consumer & ldquo; a spokesperson & & rdquo; once, he was able to share his feelings with consumers and was kind to & & & & & rdquao; a product with higher recommended prices & Hellip; & Hellip; Li Jia Qi, who was sold from an ordinary counter as an electric dealer and is now taunted as & & ldquao; apparently with a completely different mindset & & rdquao;
很难预测这场舆论危机会持续多久，也很难说李佳琦的直播间会不会变得低迷。但可以肯定的是，不尊重消费者的行为一定会被推翻。如果李佳琦不能恢复到创业初期那种对消费者负责、体贴的状态，电商老大迟早会被取代。正如人民网所说：“每一次道歉，都消耗着信任、名誉、爱情等无形资产。”要想走红，唯一的办法就是尊重消费者，尊重自己的“上帝”。
It is difficult to predict how long this crisis of public opinion will last, and whether Li Jiaqi’s live broadcast will become subdued. But it is certain that the lack of respect for consumers will be reversed.
债务危机——杨惠妍
Debt crisis > & mdash; & mdash; Yeon Hee-yeon
债务危机，始终是碧桂园面临的最大风险。如何度过眼下的至暗时刻，考验着杨氏父女。
The debt crisis is always the greatest risk to Beguio Precinct. How to survive this dark moment and test the Yang's father and daughter.
2023年，杨惠妍正式从父亲手中接过董事会主席一职。
In 2023, Yang Huiyeon officially took over the position of Chairman of the Board of Directors from his father.
接棒5个月后，昔日“宇宙第一房企”由于未能如期支付两支美元债息，宣告出险。碧桂园随即开启一系列自救，公开坦承“公司遇到了自成立以来最大的困难”。杨惠妍也表示“家族肯定会砸锅卖铁支持公司的。公司风雨飘摇之际，从创始人家族到管理层，碧桂园努力向市场和投资者传递积极的信号，集体降薪甚至被外界调侃为“一夜之间变成打工人。”伴随着刀刃向内的改革，碧桂园还能站起来吗？
Five months later, & & & ldquo; Cosmos First House & & rdquo; declared risk by failing to pay two dollar debts as scheduled. Bei Qui Garden immediately opened a series of self-helps, openly accepting & & & rdquo; the company has encountered the greatest difficulties since its inception & & & rdquao. Yang hyun also said & & & ldquo; the family will certainly smash the pots and iron support companies. As the company's family and management swayed, the Bézie Garden tried to send positive signals to the market and investors, and the collective pay was even adjusted by the outside world to & ldquo; it turned into a beating worker overnight. & & & rdquao; and with the blades in the middle of the reform, could Bé Qi Garden stand up?
前所未有的困难面前，碧桂园需要更大的自救动作。债务问题未彻底解决，“勒紧裤腰带”过日子，对碧桂园来说并不难。难的是，如何解决棘手的债务问题。
In the face of unprecedented difficulties, Bei Gui Garden needs more self-help. The debt problem is not solved, & ldquao; tight belts & rdquao; life is not difficult for Bei Gui Garden. The hard part is how to solve the difficult debt problem.
造车大佬的败退——沈晖
the fall of the car builder >mdash; — Shen
2023年下半年，烧光410亿、留下巨额债务、拖欠员工工资、10万用户受困售后等一系列的风波后，威马汽车创始人、董事长兼CEO沈晖几近失踪、失语。
In the second half of 2023, the founder of Wilma's car, its chairman and CEO, nearly disappeared and lost his voice after burning down 41 billion dollars, leaving huge debts, arrears in employees' wages, and the sale of 100,000 users.
虽然后续的种种动作都在无声宣告：这家曾经和蔚来、小鹏、理想汽车处在同一梯队的造车新势力——威马还活着，还在寻求生机。事实上，威马汽车公司总部，如今早已人去楼空，当年12轮融资的盛景不再，做智能电动汽车普及者的豪言壮语也早已被遗忘在时间的长河里。
Although all the subsequent moves were silent: this new car builder & mdash; — Wilma is still alive and seeking life in the same ranks as the Peng, the ideal car. Indeed, Wilma’s headquarters is now empty, and 12 rounds of financing were no longer available, and the rhetoric of intelligent car promoters has long been forgotten in the long river of time.
沈晖，曾经的造车大佬。1996年加入美国汽车零部件巨头博格华纳；将宁波濒临倒闭的合资厂做到盈利；促成菲亚特和广汽集团的合资；加盟吉利完成中国汽车史上规模最大的海外并购。华丽的履历让沈晖一炮而红，成为他进军造车的敲门砖，也成为了日后失败的绊脚石。
Shen Jili, a former car builder. Joined the American auto parts giant, Bogwala, in 1996; made a profit by making Ningbo’s collapsing joint venture; brokered a joint venture between Fiat and Hiroshima; and joined forces to complete China’s largest overseas M&A in the history of automobiles.
辉煌的背后快速衰败，问题从来都是显而易见的，没有研发投入，过于追求虚荣的表象。沈晖根据主机厂经验和互联网思维的快速迭代、微创新模式，快速入局并突破。结果，高估了自身能力、低估了市场风险，结果在技术不成熟、产能过高订单过少和补贴不再的压迫下，逐步从先驱变成了先烈。
As a result, they overestimated their capabilities, underestimated market risks, and gradually turned from pioneers to pioneers under the pressure of technological immaturity, too little orders for production capacity, and no longer subsidies.
威马汽车的未来，早已不是自救可以去解决的事，威马汽车的经历足以给予中国汽车行业一个充分的警醒，脚踏实地搞研发，一心一意做产品，时间和市场会给予你想要的答案。
The future of Wilma's car is no longer a self-help solution, and the experience of Wilma's car is enough to give the Chinese automobile industry a full warning, to engage in research and development on the ground, to work as hard as you can, and to give the answers you want in time and in the market.
300亿诈骗案——罗静
12月4日，京东通过微博“京东发言人”发布“关于诺亚财富恶意起诉京东、误导投资人和公众的声明”。引出并完整还原了一出由承兴国际集团董事长罗静“导演”的300亿诈骗案。
On 4 December, Kyoto passed through Weibo & ldquo; Jingdong spokesman & & rdquo; issued & & & rdquao; made statements about Noa's ill-intentioned prosecution of Jindong's wealth, misleading investors and the public & rdquao;
在商界，罗静曾经是一个备受瞩目的名字，作为国内商界女性领袖俱乐部“木兰汇”的成员，罗静一度被称为“商界木兰”，在资本市场声名鹊起。
In business, Luo Jing used to be a high-profile name, as a member of the Women Business Leaders Club & ldquo; Mulan House & rdquo; once referred to as & ldquo; Business Mulan & rdquo; and famous in capital markets.
混迹于资本圈的罗静长袖善舞，通过多次收购、借壳上市尝到了不少甜头，利用多年精心建立的人脉先后进军娱乐、大健康及人工智能等行业。野心勃勃的罗静，一边为获得大额投资，另一边为避免公司资金链断裂，她利用两枚“萝卜章”，精心策划了一出“空手套白狼”的“诈骗戏”。以非法占有为目的，虚构对京东、苏宁等多家电商公司的应收账款，骗取多家机构的融资款。
She used two & ldquao; radish & rdquao; a carefully planned & ldquao; an empty white wolf & rdquao; an & & & ldquao; a fraud & & & rdquao; and a sham for illegal possession.
殊不知，人性太过贪婪，终遭反噬！2022年法院认定罗静犯有合同诈骗罪和对非国家工作人员行贿罪，判处她无期徒刑。据上海市人民检察院第二分院指控，截至案发，被告人骗取被害单位共计300余亿元，实际造成上述被害单位经济损失共计80余亿元。其中，上海歌斐损失34亿余元，湘财证券损失9亿余元，摩山保理损失27亿余元，云南信托损失15亿余元，安徽众信损失0.99亿元。
In 2022, she was found guilty of contract fraud and bribery of non-State workers, and sentenced to life imprisonment. According to the second branch of the Shanghai People’s Procuratorate’s Office, as of the date of the case, the defendants had defrauded the victims of more than 30 billion yuan, resulting in a total economic loss of more than 8 billion yuan. Of this amount, more than 3.4 billion yuan was lost in Goofy, 900 million yuan in cash securities, more than 2.7 billion yuan in mosanto, more than 1.5 billion yuan in Yunnan Trust, and more than 99 million yuan in An Qin Xin.
世上没有瞒天过海，时间一定是一把刀，会戳破一切的谎言。罗静导的“承兴案”给人们敲响了警钟，暴露了商业环境中存在的诈骗风险和个人欺诈行为。
There is no hiding from the world; time must be a knife, a lie that will break everything. & & ldquo ; & & rdquao ; a wake-up call that exposes the risks of fraud and individual fraud in the business environment.
来源：浙商杂志官方微信公众号 记者 姚恩育 施晓艳
Source: U.S. Wireless Journal, journalist Yao Eun-yung, Xiaoyan.
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