[香港科技大學]站2013.04.17

 

電影:《卡到了!》&《財富之道》

日期: 2013.04.17（三）

時間: 18:00-20:00

地點: 香港科技大學曾肇添展藝廳

嘉賓: 雷鼎鳴教授（香港科技大學商學院院長）

 

Film: Card Boom & Way of Fortune

Date: 2013.04.17 (Wed)

Time: 18:00-20:00

Venue: Tsang Shiu Tim Art Hall, The Hong Kong University of Science and Technology

Guest: Prof. Francis T.LUI (Professor and Head, the HKUST Business School)

 

雷鼎鳴，香港科技大學商學院院長、經濟學系教授。多篇論文在國際重要學術期刊發表，其中四篇獲選入「經濟學關鍵性著作國際文獻館」，並著有《中國與世界經濟大變局》，《幫香港算算賬》，《替香港經 濟把脉》，《為港元危機斷症》，《用經濟學做眼睛》等十一本書。

 

台灣Taiwan / 2007 / 25min / 林宏杰 LIN Hung-Chieh

★CNEX 監製影片 CNEX Production

◎2008第一屆溫哥華亞洲電影節 The 1st New Asia Film Festival (Vancouver)

 

用兩種極端的經濟個體的消費經歷，帶領觀眾一同探尋台灣現有的信用卡現象：台灣第一位申請破產成功的「卡奴」鄭三和，由一開始的莫名其妙負債，到驚覺自己已欠下百萬債務，銀行的催繳與財務公司以威脅恐嚇的方法討債，令鄭三和從此墜入「以卡養卡」的無間地獄；台灣第一位成功以紅利積點從銀行獲利的「卡神」楊蕙如，以銀行紅利的漏洞，成功地串連親友集中刷卡購買機票或購物台商品，再以網拍賺取其中差額，倒賺銀行上百萬，後被銀行停止信用卡使用。同樣有過切身之痛的楊蕙如勸卡奴們要面對現實：「趕快把卡剪掉吧！因為這個利息太重了，也不要想再借什麼現金卡來還卡債，那只會讓自己愈陷愈深而已。」

 

The film traces the consumption experiences of two extreme individuals, and takes the audience on a tour to explore the credit card phenomena in Taiwan: ZHENG San-he, the first Taiwanese “card slave” to successfully apply for bankruptcy. Not realizing what he had gotten into at first, ZHENG was startled to find himself owing millions of Taiwan Dollars (TWD). Pressure from banks and threats from asset management companies forced ZHENG into the vicious circle of sustaining one card with another; YANG Hui-ru, the first Taiwanese “card legend”who made a killing from a loophole in the credit card point program. YANG, with help from relatives and friends, took advantage of the loophole and accumulated huge amount of points through pooling together airline and consumer goods purchases. She then sold the points through online auctions. She earned over one million TWD before her card was canceled by the bank. Speaking from her own experiences, YANG Hui-ru advised card slaves to face reality: “Cut up the cards as soon as possible. The interest rate is too heavy. And don’t you think of paying back debt with more cards. It will only make yourself fall even deeper”.

 

中國China / 2007 / 73min / 張釗維 CHANG Chao-wei

★CNEX 監製影片 CNEX Production

◎2008第一屆溫哥華亞洲電影節 The 1st New Asia Film Festival (Vancouver)

◎2008第三屆北京獨立電影論壇 Beijing Independent Film Festival

◎2009第一屆英國萬象電影節展映 The 1st VARIFAIR International Film

 

近二十年來，或者是中國大陸的「黑貓白貓論」，或者是亞洲四小龍的「愛拼才會贏」，構成了以英美為首的全球化架構底下，華人透過出口與代工貿易進行財富增長的主要心理動力。造成今天華人經濟發展的，是來自一個比較不被仔細討論的脈絡。千年以來，福建與廣州海商早就跟全球市場接軌，他們發揮創意精神，以靈活多變的姿態跟世界不同文明背景的商人往來，以仲介者的角色，成為古代世界全球化貿易的要角。他們擁有虔誠的海神信仰：凡是在媽祖廟所在的地方，就會是歷史上的通商口岸、殖民地首府、租界，乃至當代的加工出口區、特區。這樣的歷史現實，造就了今天華人資本積累的基礎。但同時，是否也造成什麼樣的困境？對於資源的、對於品牌的、對於農村的、對於生態的？

 

For the past 20 years or so, with the “white cat or black cat” theory from the Mainland China or the philosophy of struggling to win or taking the second place from the Four Asian Tigers, the Chinese people have made their fortune through exports and processing trade under the globalized framework in which Britain and America takes the lead. As a matter of fact, what has led to the current economic development among Chinese societies is something that has rarely been under discussion. For the last 1000 years or so, businessmen from Fujian and Guangzhou have been integrated into the global market. With great creativity, they have played the role of middleman in dealing with businessmen from various cultural backgrounds, thus becoming a major player in the global trade. They devoutly believe in the Goddess of the Sea: wherever there is a Matsu temple, it is either a trading port, capital of the colony, a concession area in history or a current Export Processing Zone and a Special Economic Zone. Such kind of a historical reality have formed the foundation of the current wealth of the Chinese people, but at the same time did they also bring some problems related to natural resources, brands, rural area, or the ecology in the process of following the western industrial civilization and becoming prosperous?