Since Max Weber, a German sociologist, put forward the concept of “Instrumental Reason”, the group of people attaching importance to emotional and spiritual value all have been contemptuous of those people adhering to the living concept of “Instrumental Reason”. The former group thinks that the life only advocating “Instrumental Reason” is a waste of the occasional life bestowed by the God, and what can be exchanged by the accumulation of money worship is just a colorless life.
The so-called “Instrumental Reason” means that the acts of people are driven by the motive to pursue utility and to fulfill the expected objectives that they need with the help of reason, and actors only take into account the maximized effect but disregard the emotional and spiritual value of people. In contrast, therefore, the idea of “Value Reason” becomes more and more accepted by people.
Nowadays, under the general tide of successive economic development, gradual accumulation of wealth and sustainable financial development, a group of wealth management talents of the new age are pursuing the value reason in the financial logic. These wealth management talents make use of financial services in a smart way, so as to achieve financial freedom effectively and improve their life quality conveniently.
For instance, the writer used to go to the outlets of banks to pay the bills for water, electricity and gas. Only queuing would take some precious time, let alone the bother of going to the bank and coming back home. Now, it can save time and energy to shift to the channels of internet banking and mobile banking clients to handle all these businesses.
For another example, Mr. Wang, a colleague of the writer, who works alone in Shanghai, but his home is in Zhejiang. So, there are often needs of transfer between him and his family members and friends. For the local, non-local, intra-bank and inter-bank transfers, quite a number of banks charge the handling commissions. It is a sum of spending if all these charges are put together. As discovered by Mr. Wang recently, no fees will be charged for the local, non-local, intra-bank and inter-bank transfers via the mobile client of IB. Therefore, he incisively changed the transfer method, saving quite an amount of handling commissions and much time only by operating his mobile phone.
A college classmate of the writer is better at utilizing financial services. Though his family has a substantial financial condition and his job also brings him considerable incomes, the writer was still surprised at his notes with scenic photos shot during his travel around the world that he had published on his weibo (microblog). How could he have so much money! He did not use his own money, he said. What's a waste that is! Why not use the money of banks! The writer thought that it was a bit dandiacal to spend money to be earned in the coming months. Then, he made a computation with me:
He is very busy with his job, but when he has some time, he will manage to gather together his holidays to relax himself. To travel abroad, however, the security plus the travel expense will amount to at least tens of thousands RMB. We can go to a place when we want, but it is not easy to scrape up such a big amount of money. If we have a large amount of demand deposit in normal time, the interest returns would be very few. If we convert our fixed deposit, wealth management products and stocks into cash casually not as scheduled, we may suffer the loss of considerable incomes. His approach is to apply for the "Suixingyou" (Interest-guided Tour) tour loan of IB. A total of up to RMB 300,000 can be granted within as short as two days. This amount of money is enough to pay the security, tour group fees, and consumption both at home and abroad. The loan can be repaid in installment after coming back home. In this way, he does not have to resort to his deposits and capital in the stock market.
With regard to concept, we only need make a “slight turn”, and then we may improve our life quality significantly.