一位深圳“负资产者”自白：2021年跟风冲进前海，如今亏损百万，婚姻破裂，我成了家族罪人！

发布于 2026-01-14

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é£é©å¥å©å·¥å·âãä½2025å¹´çè¯è®ºæ¾ç¤ºï¼è¿ç§âå¹»æ¢¦âå·²è¢«æ®é·çç°å®å»ç¢ï¼<o:p></o:p>å¸åè¨è®ºï¼âåäºèå¤22å¹´ä¹°æ¿è·40%-55%ââæå¨ç«æåä¹°è¡ä¹°äºä¸å¥è·å±ï¼ç°å¨è·å¹é½æ40%äºââæ¿èµæè¾ï¼åæ²¡äººé¼çä»ä»¬ä¹°âã<o:p></o:p>å³é®è¯è§£æï¼ - â22å¹´ä¹°æ¿âï¼2022å¹´æ¯æ·±å³æ¥¼å¸çâå±±é¡¶âï¼å½å¹´æ°æ¿åä»·è¾¾8.5ä¸/ã¡ï¼æ®æ·±å³ä½å»ºå±æ°æ®ï¼ï¼æ¤åä¸è·¯ä¸è·ï¼2025å¹´å·²è·è³5.2ä¸/ã¡ï¼è·å¹39%ï¼ - âè·40%-55%âï¼æ ¸å¿åºï¼å¦åå±±ãç¦ç°ï¼é¨åæ¥¼çè·å¹è¶50%ï¼è¿é«äºå¹³åæ°´å¹³ï¼å°è¯äºâé«ä»·çè·å¾æ´æ¨âçå¸åºè§å¾ï¼ - âæ¿èµæè¾âï¼ä»âæ¿åºä¼æå¸âçæå¾ï¼å°âèªå·±æ¿æé£é©âçæ å¥ï¼æ å¿çå¬ä¼å¯¹âæ¥¼å¸ååâä¿¡ä»°çå½»åºæ¾å¼ã<o:p></o:p><h3 style="margin-bottom: 16px;margin-top: 16px;">2.2 âä¿¡ä»°å´©å¡âï¼ä»âåªæ¶¨ä¸è·âå°âç°éä¸ºçâ<o:p></o:p></h3>å¦æè¯´âèµäº§å¹»æ¢¦âç ´çæ¯å¯¹âçææ³¢å¨âçååºï¼é£ä¹âä¿¡ä»°å´©å¡âåæ¯å¯¹æ¿äº§âé¿æä»·å¼âçæ ¹æ¬æ§å¦å®ãè¯è®ºåºä¸ï¼âåªæ¶¨ä¸è·âçæ§ä¿¡ä»°ä¸âç°éä¸ºçâçæ°é»è¾æ¿çç¢°æï¼<o:p></o:p>æ§ä¿¡ä»°ï¼â20å¹´å¤§åå¸çæ¿åç§å®æ¯å¥ä½æ¶å¤§é¨åäººè®¤ä¸ºæ¿ä»·è¿ä¼æ¶¨çè³åªæ¶¨ä¸è·âï¼ æ°é»è¾ï¼âæ¯èµ·æ¿æè§å¾ç°éæ´æå¸å¼åââæä½ æ¿åè·å¾å¿«å[doge]âã<o:p></o:p>å³é®è¯è§£æï¼ - âç§å®æ¯å¥ä½âï¼2020å¹´æ·±å³ç§å®æ¯ä»1:600ï¼å³æ¿ä»·æ¯å¹´ç§éç600åï¼ï¼è¿ä½äºå½éåçæ°´å¹³ï¼1:200-300ï¼ï¼ä½å½æ¶å¬ä¼ä»è®¤ä¸ºâæ¿ä»·ä¼æ¶¨âï¼åæ åºâææºé¢æâååâæèµçæ§âï¼ - âç°éä¸ºçâï¼å¨æ¿ä»·å¹´åè·å¹è¶15%çèæ¯ä¸ï¼ææç°éçâæºä¼ææ¬âè¿ä½äºæææ¿äº§çâè´¬å¼é£é©âãæç¨æ·ç®è¿ä¸ç¬è´¦ï¼â1000ä¸ç°éï¼åé¶è¡å¹´å3%ï¼ä¸å¹´30ä¸ï¼1000ä¸çæ¿åï¼å¹´è´¬å¼150ä¸ï¼è¿å¾äº¤ç©ä¸è´¹ãç»´ä¿®è´¹ââéåªä¸ªï¼âï¼ - â[doge]âè¡¨æï¼ç¨æè°æ©çæ å¥ï¼åæ åºå¬ä¼å¯¹âéèç¦èâçæ¶è§£ââå½æ¿ä»·è·å¹è¿è¶éèçï¼âç°éç¼©æ°´âå·²ä¸æ¯ä¸»è¦çç¾ã<o:p></o:p><h3 style="margin-bottom: 16px;margin-top: 16px;">å³é®è¯çåº¦å¯¹æ¯ï¼2020 vs 2025<o:p></o:p></h3><table style="border-collapse:collapse;border:none;mso-border-left-alt:0.5000pt solid windowtext;mso-border-top-alt:0.5000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;mso-border-insideh:0.5000pt solid windowtext;mso-border-insidev:0.5000pt solid windowtext;mso-padding-alt:0.0000pt 5.4000pt 0.0000pt 5.4000pt;"><tbody><tr><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:1.0000pt solid windowtext;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">2020å¹´é«é¢è¯<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:1.0000pt solid windowtext;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">çåº¦ï¼æç´¢ææ°ï¼<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:1.0000pt solid windowtext;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">2025å¹´é«é¢è¯<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:1.0000pt solid windowtext;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">çåº¦ï¼æç´¢ææ°ï¼<o:p></o:p></td></tr><tr><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">æ´æ¶¨<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">9500<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">è°æ©<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">9800<o:p></o:p></td></tr><tr><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">å¦åºæ¿<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">8200<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">æ³ææ¿<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">9200<o:p></o:p></td></tr><tr><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">åé<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">7800<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">æä¾<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">8900<o:p></o:p></td></tr><tr><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">ä¸è½¦<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">7500<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">ç°éä¸ºç<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">8500<o:p></o:p></td></tr><tr><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">æèµ<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">7000<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">èººå¹³<o:p></o:p></td><td valign="top" style="padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt;border-left:1.0000pt solid windowtext;mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext;border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext;mso-border-bottom-alt:0.5000pt solid windowtext;">8000<o:p></o:p></td></tr></tbody></table> <o:p></o:p><h2 style="margin-bottom: 16px;margin-top: 16px;">ä¸ãèè®ºåºä¸çæ·±å³çç¸ï¼âä½ææ°æ®âæç¤ºçå¸åºå°å·ç°å®<o:p></o:p></h2>å®æ¹ç»è®¡æ°æ®å¾å¾âå¹³æ»å¤çâå¸åºæ³¢å¨ï¼å¦âæ°æ¿ä»·æ ¼ç¯æ¯å¾®é0.5%âï¼ï¼èBç«ç¨æ·çâä½æåäº«âââé£äºå·ä½çè·å¹ãåæ¿ç»åãæä¾æäºââå´ä»¥ç²ç²èçå®çæ¹å¼ï¼è¿åäºæ·±å³æ¥¼å¸çâå°ä¸ç«âã<o:p></o:p><h3 style="margin-bottom: 16px;margin-top: 16px;">3.1 ä»·æ ¼ä½æï¼âè°æ©âä¸æ¯å¤¸å¼ ï¼æ¯æ®éç°å®<o:p></o:p></h3>å¨2025å¹´çè¯è®ºåºï¼âè°æ©âå·²ä»âæç«¯æ¡ä¾âåæâæ¥å¸¸è®¨è®ºâãä»æ ¸å¿åºå°è¿éï¼ä»ä½å®å°åä¸å°äº§ï¼ä»·æ ¼ä¸è·åç°âå¨æ¹ä½ãæ å·®å«âçç¹ç¹ï¼<o:p></o:p>æ ¸å¿åºç¥è¯ç ´çï¼âå®å®ä¸å¿å¾å¤è·äº50%äºâï¼âå®å®ä¸å¿âææ·±å³æ¹¾ãåæµ·çé«ä»·çåºï¼2022å¹´åä»·18ä¸/ã¡ï¼2025å¹´è·è³9ä¸/ã¡ï¼ï¼ åºåæ§æ®éä¸è·ï¼âå¹¿ä¸é½è°æ©äºï¼âï¼çé®èåæ¯âè°æ©âå·²æä¸ºç ä¸è§æ®éç°è±¡çè®¤ç¥ï¼ï¼ åä¸å°äº§æ´æ¨ï¼âæç¸å¦21å¹´å¿åä¹°çå°é¨é¢600ä¸ªç°å¨300ä¸ªé½ä¸å¥½è¯´âï¼åä¸å°äº§å çµåå²å»+æ¶è´¹éçº§ï¼è·å¹è¿è¶ä½å®ï¼ã<o:p></o:p>æ°æ®éªè¯ï¼ - æ·±å³ä½å»ºå±2025å¹´Q3æ°æ®æ¾ç¤ºï¼å¨å¸äºææ¿åä»·5.2ä¸/ã¡ï¼è¾2022å¹´å³°å¼ï¼8.5ä¸/ã¡ï¼ä¸è·39%ï¼ - æ ¸å¿åºï¼åå±±ãç¦ç°ï¼é¨åæ¥¼çè·å¹è¶50%ï¼å¦åå±±æç½çº¢ç2022å¹´å®ä»·16ä¸/ã¡ï¼2025å¹´æçä»·7.8ä¸/ã¡ï¼ä»æ äººé®æ´¥ï¼ - åä¸å°äº§ç©ºç½®çè¾¾28%ï¼2025å¹´Q2æ°æ®ï¼ï¼è¿é«äºä½å®ç12%ï¼ä¸å°åéºâè½¬è®©æ½®âæç»ä¸æ¼ã<o:p></o:p><h3 style="margin-bottom: 16px;margin-top: 16px;">3.2 æµå¨æ§çç¸ï¼âæ³ååä¸æï¼æ³ä¹°ä¸æ¢ä¹°âçæ»å¾ªç¯<o:p></o:p></h3>ä»·æ ¼ä¸è·ä¸å¯æï¼å¯æçæ¯æµå¨æ§æ¯ç«ââå½âæçä»·âåæâçº¸é¢æ°åâï¼æ¿äº§å°±ä»âèµäº§âæ²¦ä¸ºâå»äº§âãè¯è®ºåºçåäº«å¾ååºä¸ä¸ªæ®é·çå¸åºåµå±ï¼<o:p></o:p>åæ¹å°å¢ï¼âä½ æè°çä¿å¼åªæ¯æä¸ªä»·æ ¼ãâï¼æç¨æ·åäº«ï¼æçåå¹´ï¼éä»·3æ¬¡ï¼ä»800ä¸éå°550ä¸ï¼ä»æ ä¹°å®¶çæ¿ï¼ï¼ ä¹°æ¹è§æï¼âç°å¨ææ¶æ²¡å¿è¦ä¹°ï¼ä¸å¹´ä¹åè¿è¦ä¸éçâï¼çè·é¢æå½¢æï¼åéä¹éæ©âçä¸çâï¼ï¼ 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