The Essentials Of Finance

Aug 03, 2021  

When Chinese regulators think about such risks, it is people like Zhou Weiquan they have in mind. Shoppers at a mall in Beijing sat next to stands celebrating the 100th anniversary of the Chinese Communist Party last month.Credit...Roman Pilipey/EPA, via Shutterstock Mr. Zhou, 21, makes about $600 a month at his desk job and wears his hair in a swooping, reddish-brown mullet. After he turned 18, Alipay and other apps began offering him thousands of dollars a month in credit. He took full advantage, traveling, buying gadgets and generally not thinking about how much he spent. After Alipay slashed his credit limit in April, his first reaction was to call customer service in a panic. But he says he has since learned how to live within his means. “For young people who really love spending to excess, this is a good thing,” Mr. Zhou said of the clampdown. China’s brisk recent economic growth has most likely made officials more comfortable with reining in fintech, even at the expense of some innovation and consumer spending and borrowing. “When you consider that household debt as share of household income is among the highest in the world right now” in China, “then more household debt is probably not a good idea,” said Michael Pettis, a finance professor at Peking University. Qu Chaoqun, 52, was thrilled a few years ago to find he had access to $30,000 a month across several apps. But he wanted even more. He started buying lottery tickets. Soon enough, Mr. Qu, a takeout-delivery driver in the megacity of Guangzhou, was borrowing on one app to pay his bills on another.

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The city has also taken to first steps in like it acquiring property on 17th Street in East Wheeling to house the new $6.4 million headquarters for the Wheeling Fire Department. the city established a user fee to help pay for infrastructure projects and fund a public safety building. Employers are required to withhold $2 per week from each employee’s pay. Elliott said there is no doubt the city’s user fee is paying off. “Much of the early spending of these funds has been centered around critical road slips in neighborhoods across the city. This was necessary,” he said. “But going forward, you can expect to see some more visible projects taking shape. Perhaps no more visible will be the replacement of the sidewalk and fencing alongside Wheeling Hill with something safe and attractive. Stay tuned.” Elliott said much of the city’s future economic development will depend on residents doing their part to end the COVID-19 pandemic. According to the latest figures from the state Department of Health and Human Resources, 22,428 doses of a COVID-19 vaccine have been administered in Ohio County, equaling 54.2% of the population. He had a message for local residents that have not been vaccinated. “Those of you who are choosing to remain unvaccinated without special circumstances are relying on something other than the accepted scientific consensus. It is as simple as that,” Elliott said. “And you see it here are putting our community at risk not only of more COVID-19 deaths but also future shutdowns. Is there anyone here today who wants to see another Governor’s order shutting everything down? I know that I emphatically do not.” Elliott praised Howard Gamble, Administrator of the Wheeling-Ohio County Health Department and Lou Vargo, Wheeling-Ohio County Homeland Security and Emergency Management Agency Director for work during the pandemic. Elliott also asked for a moment of silence for those lost to COVID-19. “From the inception of the COVID-19 crisis, both Howard and Lou recognized the perilous risks that a community like Wheeling, with its older population, faced from an aggressive airborne virus that attacks the respiratory system.