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**文 | 银行螺丝钉 （转载请注明出处）**  每年的4月23日，是世界读书日～ 之前有一个调查，收入越高的人群，越爱读书。 > 国家统计局曾经公布2018年全国时间利用调查公报，显示： > > 高收入群体中21%有阅读行为，而低收入群体只有6.6%有阅读行为。 **书中自有黄金屋。** 读书本身是一个性价比很高的活动。 **读书可以帮助我们构建属于自己的能力圈。** 这次世界读书日，螺丝钉挑选了一部分投资理财类的好书，跟大家分享。 **螺丝钉带你读书** 有的书可能自己读起来比较枯燥，或者是工作比较忙没有太多时间读书。螺丝钉也做了一个「螺丝钉带你读书」。 过去每个周末，「螺丝钉带你读书」解读了103本书籍。 • 大部分是投资类的好书，比如说巴菲特、查理·芒格、约翰·博格等的投资经验； • 也有一些并不是投资的书，但对我们人生也很有帮助和启发。 **大家一次读不完这么多书，可以把本文收藏起来，方便随时在上下班时间空隙里读一读。** **也可以分享、转发给身边的朋友，让更多的人爱上读书、爱上学习。** 为了方便大家，每一期带你读书栏目也都有语音，可以「听书」。 这个读书栏目，螺丝钉会一直坚持做下去的。 大家有好的书籍想推荐，或者想让螺丝钉解读，也欢迎留言，并且写一下推荐理由哦。 ▼ **点击图片即可开始阅读** **2024年** [](https://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651076899&idx=1&sn=89885ecf67ee050ef9c638017dd61848&scene=21#wechat_redirect) [](https://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651077744&idx=1&sn=82e19bec64418d3ace939833ad07e6ff&scene=21#wechat_redirect) （螺丝钉最新译作《万亿指数》，持续解读中，敬请期待～） 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[](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651057223&idx=1&sn=b26771a2b286c026e1b3abb083fd2d7c&chksm=808a71c9b7fdf8dfb9394b69efbbb3ddeb4642a5dfe6dfe5af177cb16b94083fb80e8098d183&scene=21#wechat_redirect) **2020年** [](https://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651057338&idx=1&sn=4eb63f222d92e15998e2bae28fb32593&chksm=808a7134b7fdf822877b9496b89b0fca7bc84b8ce169c82d9295b7a83d13f2d56e559cdf7489&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651045977&idx=1&sn=c6831044a02469efd3246a5a6c7c372e&chksm=808a5dd7b7fdd4c1d1f4b765a8fc091faf893fc8d0c213cd19204b70341ae7ce0f739c38320d&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651046131&idx=1&sn=2a9f12537749811d91bcd1a1256f5ddf&chksm=808a5d7db7fdd46b2be8020c9d3a9b0ea9c1723d6701781ffd09f0965265e4818e6ab0ba31ec&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651046254&idx=1&sn=b7becac3c988550e408438d5d710fddd&chksm=808a5ce0b7fdd5f6c014c4b8bc8839ff368016710447af96448bb775a5fdef1de92d5887d5f1&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651045533&idx=1&sn=113750811a5819c6764fd2de6761aa84&chksm=808a2313b7fdaa05bb0b538d85f7350f0a39f8fb2b8b0e0fc7642e4d8c78518571ea83726b75&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651045677&idx=1&sn=f49221f1388d494f6375140f7a3b48e8&chksm=808a22a3b7fdabb53b5833be143e70bcba665ab61f840bee834702b641ee6524a1816022ed70&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651045819&idx=1&sn=9ba52ffd5ccb1824f1ab0d5a48aa6fa2&chksm=808a2235b7fdab231062ebfa8b1fed39ea28a139e28d46d84f97084dd74fce8baefa761a885c&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651045271&idx=1&sn=baf3d4d01dab11e0356450096b7bba06&chksm=808a2019b7fda90f75b54eca44aaada53d459d8863bfd46ab29ede7bbd70eaa49fbc1258cbef&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651045409&idx=1&sn=dca595b6571bda5fb8845b2f6f1f7450&chksm=808a23afb7fdaab94e3370a3fec0814cebc1fb9665894267913d2c86d319f361f4a40547cebb&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651044870&idx=1&sn=28103cd67dfd04d25b92a1358aab2fca&chksm=808a2188b7fda89e6e6258f19c5195ecafb4790bda83f31c5f0765e15b73028b35e1e44b7753&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651044994&idx=1&sn=d0bfae8f755cce9482de439c9cde43aa&chksm=808a210cb7fda81a9cab184283c5d6f66bdf85d40a2a1d2ceb63a64092d53ce64c26e77ac524&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651045125&idx=1&sn=226b1cd44e6c89b8f03693c985834612&chksm=808a208bb7fda99d59d7471e86069318360b6a6cb4dbb3de2967a1bd4d89db1df97c88b07626&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651044584&idx=1&sn=bb616ec4a98351c7385d95fbccc87bc7&chksm=808a2766b7fdae703fd0dcd2d73c46cf03ef804fa3370545848377110088543fbb6b620302e3&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651044676&idx=1&sn=35919721c688dd44f78dd1d8bc1ecbe4&chksm=808a26cab7fdafdc1997fa184d47fb1091794603a68eb8aee21bd21b8835a0660a51f6debbdf&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651044769&idx=1&sn=d5317b4aa53fa3a0207e7727ae8ded1d&chksm=808a262fb7fdaf39ea3dd09fa24b3f59fb3e29ed48d0eb9fb2059103f17fbd3c15ba123837e2&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651044146&idx=1&sn=c258e4d6db3ea4228ee80ba858c5e281&chksm=808a24bcb7fdadaa31f7abc0c85ff97d7bffe48129969eb506fad836f6167a938ad19cd106fb&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651044285&idx=1&sn=3b325289b368f43648c8ebce444a74a0&chksm=808a2433b7fdad2558f85a37ce75276c56c0a4603e0ae864bb474b4cf99f7004ef5daeaec360&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651044404&idx=1&sn=680006c448abdf6e14d9d0b3fc5390af&chksm=808a27bab7fdaeac465989308bbd568691d38413dda1068d2948003413714afc4c8bae9467e8&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651043981&idx=1&sn=0960078755081b38462ba752976a4ae1&chksm=808a2503b7fdac1598ef394704dd0433573f632eb49d23a7163634f6143bf0eba728a64e2262&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651043335&idx=1&sn=387aa8fdaecb1be0ed6170f1c4266738&chksm=808a2b89b7fda29ff1c7717464a29e955545b565915d28c23c1e2be80d027aee3f944ee70339&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651043439&idx=1&sn=f488116c03b7cbb2179afc28195c00e4&chksm=808a2be1b7fda2f75b0e32f7621f3132d920f6f19742ea2bee5967645326a04891692173d2c1&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651043638&idx=1&sn=67e17a38f092bb945e11a85034fb35b6&chksm=808a2ab8b7fda3aeb3d3f91a59afa75c5447f2351a5b6f6f2c9e2131872719c29b3d3934764d&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651043023&idx=1&sn=7f0d054217ecd2a1235f247f521e3352&chksm=808a2941b7fda057cf621255695f9b9406225e587b8283e1fd54f9638069a4725fa67642985c&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651043051&idx=1&sn=95c5e4d43d7c48f8471bc86b26fb3d7e&chksm=808a2965b7fda07391c9b429236d8ac2328728bffc6a4a2ac2acf86348c61f7dac9c5a29c060&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651043105&idx=1&sn=5237ba55e6ba3db13291d2fe7177dca8&chksm=808a28afb7fda1b99c054dd8f5f18526b6bcdb6464a27392e64ba2cf41384b4978704a517f05&scene=21#wechat_redirect) [](https://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651057221&idx=1&sn=1d40a820e8300ad16687be3d3d976bd1&chksm=808a71cbb7fdf8dd3db42aa1c0ea6eaa2635397b409c0c3775932aa5dcd72c1e7cf711dca124&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651042704&idx=1&sn=bb9e22b3ee5b78716d089c1c2a9ad5c4&chksm=808a2e1eb7fda7080fe193a7a9b82e6723f3d6c673542cd783c3270c613066d92b0faf386fea&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651042769&idx=1&sn=7733fcf74394f5e3738c012ffb07c93f&chksm=808a2e5fb7fda749529ebd87627c7f1fe5cc715b0597e67cdad22bcd9a9c0862c7a64a18d074&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651042483&idx=1&sn=2632e772c2214e376f01036ede637e0f&chksm=808a2f3db7fda62b8167fd80a01da020592bedd06dedc05a443b5c9f6a7f8a6808e9a44794f8&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651042564&idx=1&sn=3f49fcf5d90daf7e3f4b729394f80d51&chksm=808a2e8ab7fda79c982b9ebaaabb82b0c9d66e91615d9e01a81fb0095ea09d252eb0d8098b0e&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651042628&idx=1&sn=84905f4134124dc3598ce8a085ab1b16&chksm=808a2ecab7fda7dcb660955c01e00e2853e283cf109bd322553a4599930b112c2757e3a52b95&scene=21#wechat_redirect) [](https://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651057220&idx=1&sn=310fff519c213b21d259527c38e247af&chksm=808a71cab7fdf8dc66450fa2d7526fc450ba894aac537c3c0fea433c1a03615076b0fb047103&scene=21#wechat_redirect) ****2019年**** [](https://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651057333&idx=1&sn=c2daca2a0e5db766df4ed683404b687d&chksm=808a713bb7fdf82dfc1a118bc6ec4999328d0cd482a188fb79e7d75b97c1d85f97b67fd3496d&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651040983&idx=1&sn=23af0f0ffb50f603a1fdda2074d44611&chksm=808a3159b7fdb84fd59cacd80ac11cff673b31ca47350259d18119fa9a6f93b34600428b22e6&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651041094&idx=1&sn=8f64c4a374b2c26e2a6b076523a44ec6&chksm=808a30c8b7fdb9de118c472c9ec459dce64734825cd0638a98a098030a1f51e7f8667158b320&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651041207&idx=1&sn=c1ea0b0f9c3264f616015ddbd4a37ea1&chksm=808a3039b7fdb92f0faf6adce5f04c68e35a8360edf3c8e310b8307b2caa82efebaa51a80a07&scene=21#wechat_redirect) [](https://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651057337&idx=1&sn=5a19dda076e16d5af599c3597d7eb00e&chksm=808a7137b7fdf8217acec5a9c28eaab0267af9928693bde5745c4af70565666b998e31fd3f36&scene=21#wechat_redirect) [](https://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651057222&idx=1&sn=e614248cd543566f55e2b4beb63d9045&chksm=808a71c8b7fdf8de74a14113cf9ea1bff1e92e575e655b65d2ceaa0bb413a100be543e6498a9&scene=21#wechat_redirect) [](https://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651057341&idx=1&sn=e6a37714e93071831ada2c59be4936dd&chksm=808a7133b7fdf825b81ebf6910d72a55d891c46fbd8301e5dc87a6a0e0f2d51c99f50bfab21a&scene=21#wechat_redirect) [](https://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651057226&idx=1&sn=0f879d7c2dcbbb31c98d574d583c8a49&chksm=808a71c4b7fdf8d2520fe47ce2e9716cf8306d95c32023832266adbc951477682b4814fb7ee7&scene=21#wechat_redirect) [](https://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651057329&idx=1&sn=b594c12de2bef320009e9a30a1a88fec&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651039120&idx=1&sn=041ed45ec5f438f5e32bdcd311a0e40e&chksm=808a381eb7fdb1085d8b474cf9c43b38a89af50ed7a9a7444c538c03cfe69bdb3a1578322d6c&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651038934&idx=1&sn=26335addd3ffd8db786c148aa1cace12&chksm=808a3958b7fdb04e7b2c5d272837e6af5c322102f68cc67522336453f3252b6973bf96e99ff2&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651038992&idx=1&sn=5440c6d20ec471be93c0b1d6097a73c3&chksm=808a389eb7fdb188b442c8e397e4a4ea03697caea84257d8d91c3e91a4ae882b2a59aeabb0df&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651039052&idx=1&sn=ded669155a1beff3d3edac16a98eee14&chksm=808a38c2b7fdb1d4b23f525fcf95d94adb1fe410ac51498a1589e66a9b2a5d441675329f47c0&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651038763&idx=1&sn=8b3907025ffa195c3298666cdd6b1abf&chksm=808a39a5b7fdb0b3068445a60f8a5842d0bb710ab19e63b8fe557a6e887d9cc6196c492c71d8&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651038815&idx=1&sn=a8b7efa18c3e43ea0bb21498d51bc877&chksm=808a39d1b7fdb0c71a3c407fa6822721ceee34851b4d39db0889c9a59aa1a29b25bb1b9eda85&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651038862&idx=1&sn=b6bbb64e559f0d35401449ef12291033&chksm=808a3900b7fdb016dd28ac62cc0c4dc64a855fbe3adddc855feac034a51baaab41aa4a375db1&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651038597&idx=1&sn=c51110d262104e4b5876482428a0295e&chksm=808a3e0bb7fdb71d78a6b8d14d783f24ca33924abc57f5446978393d0d94c152c01d7146babb&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651038650&idx=1&sn=2200a20603c76c334d80870bbc64574d&chksm=808a3e34b7fdb722d7b7f9df010e2d161d5598f6d25d6f6df77486070a0a1aa768e3fd264b1a&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651038711&idx=1&sn=209728a75eabbb9b4f85f17055005c6a&chksm=808a3e79b7fdb76f39fd6e37f6e3cb36a5ec269102e15212dbd3fe1466c5115fca937f794518&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651038393&idx=1&sn=58f765e151026c79d74edc5a7c7d04ab&chksm=808a3f37b7fdb621872098661c86c1f83fb7a7d31e8ad38d126ce268ad3151e698b3488f9351&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651038473&idx=1&sn=40d384175cd853b77c3c765012b90e6d&chksm=808a3e87b7fdb7916479b3da8a93a5c8f3a94525b5e65810d001a177f07784cb8567c75d8931&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651038527&idx=1&sn=d4ec33487fadda1261bb7aadc581fc68&chksm=808a3eb1b7fdb7a76f49909afcb548dc30fca8b5a82f36668777580257044a9d00d9bc1e5d05&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651038334&idx=1&sn=406f29b458a813b9971c7fa986c6976e&chksm=808a3ff0b7fdb6e69bf5f9b770e84213240399da28b5c2fcd9a0b5c60351edf608a7e156b992&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651038267&idx=1&sn=aa376353729ede778fbb362053ac5ad2&chksm=808a3fb5b7fdb6a385cb42949a14ba200d1b134ee5f1eadd95352c08be824b825f95f2cf7627&scene=21#wechat_redirect) ****2018年**** [](https://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651057336&idx=1&sn=e14f0a8b8527fb3452887c3cd2eab1e6&chksm=808a7136b7fdf820617c965708d9f20f5efa912d2dc0f7de503a2ed22921b2333516198da078&scene=21#wechat_redirect) [](https://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651057334&idx=1&sn=d6ba4772494f060ab17be35aebf0f067&chksm=808a7138b7fdf82ef50180be765f109c31793d37d4e44409be7f9148c782b5e98c34e5f84af3&scene=21#wechat_redirect) [](https://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651057332&idx=1&sn=6bab719cb90dc35144a2d003b8c04434&chksm=808a713ab7fdf82c263547b67953c4e11132f9928110f8927e5a51d69722343ba08e4b71e2c4&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651033570&idx=1&sn=2be0db36fca28c00f0930e6edb33c334&chksm=808a126cb7fd9b7a3fc672257e2bb956f3d17a0f9cca708011a563bf34f882266b845fa9de29&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651033463&idx=1&sn=1989acab190971490aa3576c6b861cfa&chksm=808a12f9b7fd9beff6abe6b7c6aae89522aa8ec8bb1ec2caa53b0c86cfa600ee821d49de54a2&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651033313&idx=1&sn=381e870fe19a877d1fc8cd9bb1465a40&chksm=808a136fb7fd9a797540afc253aab12aa6775540d95875dc64c010a9048b3d92e5289fb6a356&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651033198&idx=1&sn=e9ecefc2acecce743b1862f11d4b6a22&chksm=808a13e0b7fd9af6b965747a146bb4cbc1fe9a3d06b1caa0193bfe4f6114bd54b8e5ec4a32fa&scene=21#wechat_redirect) [](http://mp.weixin.qq.com/s?__biz=MzAwNzQ5ODk3Nw==&mid=2651032969&idx=1&sn=236efc1624ceb3f6ec346add07493acb&chksm=808a1007b7fd99113dd2c63dcbcf925862d369824fdfea0d80f2ec189c232d6f68fae054fc25&scene=21#wechat_redirect)  **作者：银行螺丝钉（转载请获本人授权，并注明作者与出处）** 
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