"You three are responsible for talking about the benefits of the credit card consumption system, and don't have to get too close to each other. Mikoto, your burden is heavier, and you must also be responsible for speaking from a global perspective and using data to prove that the disadvantages are only a very small group. This rhythm must be well-managed.

And I am responsible for directly slapping the other party in the face after making a statement, breaking down the drawbacks of the credit card consumption system stated by the other party one by one, pointing out that these drawbacks are not unique to the credit card consumption system, but are shared by other financial credit systems. As long as they cannot deny that the harms of the entire modern financial system are more than the benefits, then my counterattack will be very effective.

In short, it’s just a saying, you are responsible for proving that there are too many benefits, and I am responsible for proving that there are fewer disadvantages or that there are no better alternatives to this disadvantage. It is a urgent need that has to be solved, a problem that needs to be faced in development, and will eventually disappear with development. Do you understand?”

These words were explained by Feng Jianxiong when he was preparing for the game.

At that time, a newcomer like Ximen Zhenji who had never played with Feng Jianxiong had a little hesitation. However, after she personally watched Feng Jianxiong's rebuttal performance, this hesitation completely disappeared.

The task Feng Jianxiong left to him is the most difficult.

Also the most direct.

Now, it's done well.

The most likely deadlock in this kind of debate is that both sides say yours, I say mine, lack head-on confrontation-

For example, the positive dialect only mentions big data, saying that "the bank bad debt rate caused by credit card breach and fraud is only below 4%, and only 2% of individual breach of trust fall into a dilemma"; while the opposite side cannot refute these big data, and only selects a few tragedies and describes the tragedy.

The positive side refused to go to the opposing side's home court to refute the case, and the opposing side refused to discuss the composition of the data with the positive side and analyze the subtle and profound resistance.

The reason why this is easy is that the debater has limited experience. Because everyone does not have a deep understanding of the operation of modern finance and economic systems, many people only make temporary preparations after getting the debate topic.

Therefore, the opposing side cannot do it. After the other party cited a data, it immediately refuted directly what the problem was in the composition of the data and what details were stolen."

The positive side cannot do it, "no matter which type of disadvantage is mentioned by the opposing side, they directly point out which systems actually share these disadvantages. After using credit card consumption, the situation will improve."

Who knows what angle will the other party analyze this evil?

However, Feng Jianxiong knew.

His experience and accumulation, and his understanding of the origin of economic laws were not obtained by sharpening the guns in the last few days before the game.

In his previous life, he personally experienced the past and present of "the evil of credit cards" and the whole story. He also saw the credit card issuance frenzy from rising to being strictly regulated, and eventually faded and was replaced by other financial derivatives.

Before Feng Jianxiong was reborn in later generations, where could he see "student union cadres who use student union credit endorsement to promote card issuance among classmates" on university campuses? Those people have long gone to sell Internet finance campus loan products!

Without credit cards, these bad needs, students and weak-willed students who lack self-control will look for something more sinister, and Feng Jianxiong's psychological sanity is clear.

With this accumulation, it is not surprising that several Xia Da’s debaters were slapped in the face by him.

...

"...It's like someone says there are fakes on Taobao, yes, there are fakes. But if you change the concept, it's extremely ridiculous. As we all know, the causal relationship here is reversed. It's not that Taobao causes fakes, but that there are fakes in the world. It's just that there are many people buying things online, so the sales channels of these fakes gathered together.

Even before Taobao appeared, more people produced counterfeit goods. And at that time, they not only produced counterfeit goods, but also occasionally used information asymmetry to sell counterfeit goods at the original price of the real goods when facing consumers with weak recognition! After having Taobao, at least everyone doesn’t have to bargain, and counterfeit goods can’t be quoted by people! A price is there, and it’s as much as it should be.

There are Taobao platforms that are fighting counterfeiting, and the proportion of counterfeit goods is reduced compared to the era without e-commerce. The correct approach is to condemn Taobao's anti-counterfeiting is still not powerful enough. We must continue to strengthen our efforts and screen data, but it is not simply a simple saying, "E-commerce does more harm than good" to abandon development and efforts.

The same is true for credit cards, credit expansion, bad debt fraud, excessive consumption - are these things happening only after credit cards appear? No, there is nothing new under the sun..."

Feng Jianxiong originally wanted to say here, "There will be a credit card without a credit card, and there will be a campus loan without Huabei and Jiebei." However, considering that the pile of products have not appeared yet, these terms must not be used directly. They can only be described indirectly, and then find some products that have already had technical prototypes in Silicon Valley but have not been promoted.

Finally, there is a verbally intimidating sentence: the reason why these things that are actually even more evil have no market in the United States and have not been invested in large-scale commercial applications is precisely because the credit card system in the United States is already very mature.

If the credit card system in China cannot mature within three to four years, and once the credit card is refunded, this kind of Internet financial usury will take advantage of the situation.

This kind of high-level insight, let alone a few rookies from Xia Da, was stunned by the judges, guests and hosts.

"Feng Jianxiong's vision and cross-circle business creativity are really far away. No wonder Ma Feng would spend 2 million yuan in consultation fees every year to invite him to have tea and chat and laugh. It seems that what he said is true. The real thing is the vision of business elites. College students who talk about war on ordinary paper can't compare.

Even the forefront of electronic payment and credit data technology in Silicon Valley is very clear. You can also name any companies that have tried what projects and when they will be abandoned in the end. It seems that if domestic credit cards have poor development, maybe the future technology will be mature, and those wild online usury that don’t even have bank photos will take advantage of the situation.”

Those judges who didn't need to ask questions for a while, after hearing Feng Jianxiong's rebuttals, they whispered like this.

Xia Da’s second debate began to refute the argument in an extremely passive environment.

His refutation was interrupted by his own ideas several times. He obviously wanted to say a few words to directly confront Feng Jianxiong and find the situation back, but every time he said it, he found that he had no confidence.

In the end, I could only completely vent my three-minute refutation on the arguments that refuted Ximen Zhenji, which is a cliché.

The judgment has been made - as a rebuttal of the opposing side's second debate, he can only refute the draft of the first debater from beginning to end, but he turns a blind eye to the rebuttal of the second debater before you. That's not that he is afraid?

But Feng Jianxiong's rebuttal is too specific and operational, and people who have no practical experience in the financial industry can only just say "I can't do it."

...

In the refutation process, Xia Da was completely defeated. The gap suddenly widened.

Then there is free debate.

Perhaps the rhythm of the confrontation became shorter and faster, and neither side had the chance to organize a trap in large sections, so Xia Da's decline was slightly stopped. Feng Jianxiong and Nan Xiaoniao occasionally had the opportunity to pursue him, but they could not kill him continuously, so they could only cooperate with the rhythm and leave.

For example, after three or four rounds of short battles, Xia Da had given up his position of denying the development of the credit card system entirely and retreated to "observing, standardizing, and limiting the development of the credit card consumption system for a limited period."

After carefully correcting their views, their resistance became more stubborn, although they gave up some frontier positions:

"The other party's debater said so much, 'The problems in development can be solved by development, but cannot be denied' - but we have never said from the beginning that we should completely deny the credit card consumption system. Please do not deliberately distort our arguments!

What we are talking about is that in the current stage, in light of the Chinese national conditions, the credit card consumption system does have more benefits than disadvantages. It should be restricted or even temporarily curbed under strict observation, and it is not a complete one-size-fits-all approach.

Because the credit habits of Chinese people are really bad, and card issuing banks are blindly greedy for immediate benefits. The current credit expansion is not just an extra 3,000 yuan for each person to overdraw? A penniless person can apply for more than a dozen cards in more than a dozen banks, which is tens of thousands! Do so many examples of becoming card slaves?”

When these words were said, the judges gave debaters Xia some inner praise.

Unfortunately, this kind of like was extinguished by Feng Jianxiong within a few seconds.

He doesn't even need to say much.

"I am very happy to see the opponent's debater take the initiative to retract his position to the step of 'the credit card consumption system currently does more harm than good in China' - let's not talk about whether the revised position is right or not, but I want to ask the opponent's debater, today our debate topic is 'pros and cons of credit card consumption' or 'pros and cons of credit card consumption in China'. Please give the opponent's debater a positive answer."

The Xia Dabian's heart shrank violently and escaped in a roundabout way: "Of course, we should combine the national conditions for discussion... mainly with the actual situation."

"Don't escape the problem! I'm asking you what the debate topic is today!" Feng Jianxiong did not let him go and asked loudly, "Is it the 'pros and cons of credit card consumption' or the 'pros and cons of credit card consumption in China'!"

"Anyone who goes beyond the objective environment and talks about pros and cons is irresponsible...the pros and cons should be viewed within a historical scope."

"It seems that the opponent's debater is not good... Oh, sorry, I dare not answer this question, so I will repay the answer directly - this is an objective question of pure fact judgment, without any value judgment, so I believe that the answer is right and wrong, and the world has its own opinions:

I tell you that today's debate topic is 'pros and cons of credit card consumption'! The opponent's debater has been afraid to say this for a long time, which shows that he has admitted that in other areas of the world where financial credit development is relatively good, the credit card consumption system obviously has more advantages than disadvantages. Unless you dare to say that our country is the "most" of the whole world and all mankind, and our country does not need to do so now and will not need to establish a complete personal credit system in the future, otherwise your words just now will be meaningless to prove today's debate topic."

The pace quickly collapsed, and resistance gradually distracted.

Free debate, silence.

The four members of Xia Da's team had completely given up their resistance.

Is this the difference between senior old man Yin Bi in the business information industry and the college students on paper?

The last world champion really beat the college students’ rhythm.

However, Feng Jianxiong knew that the main provocation he was facing today might have just begun.

Because he saw the Central Radio Commentator who was seeking fame, he had already shown an expression of eagerness to step on someone and seeking fame.

"The time on the right side is here." The host announced that both sides had run out of time, and then the competition entered the cross-question session of the judges.

"First, please ask Teacher Chen to ask the positive side on the opposite side. The time is 3 minutes - you can choose any teammate of the positive side to answer your question."
Chapter completed!