At 2:00 p.m. on May 10, 2025, a special lecture titled "Coping with and Surviving Personal and Family Financial Crises" as part of the Financial and Capital Markets Forum hosted by the Business School of Shenzhen Technology University was successfully held in Room C5-101. The lecture was presided over by Associate Professor Woo Kok Lian, and Dr. Lau King-tang, a senior professional accountant in Hong Kong China and the Chairman of the Doctoral Think Tank Intelligent Education Research Institute, was invited as the keynote speaker. It attracted many students from different colleges to attend, presenting them with a practical and professional feast of financial knowledge.
At the beginning of the lecture, Dr. Lau King-tang started with the changes in the current economic environment, pointing out the realistic background of personal and family financial crises and emphasizing the importance of mastering coping strategies. Subsequently, with the theme of "Mastering Crisis Survival Skills in 90 Minutes", the keynote speaker elaborated on the core content. In the session on mortgage negotiation skills, Dr. Lau King-tang revealed three practical strategies rarely disclosed by banks. By combining actual cases such as mortgage defaults and excessive repayment pressures, he analyzed in detail how to effectively communicate with banks to adjust repayment plans and obtain interest rate concessions. In terms of emotional management, the keynote speaker applied psychological principles to share counseling techniques for stabilizing financial panic. He guided teachers and students to relieve anxiety when facing financial difficulties through rational analysis and planning.
The core of the lecture focused on practical methods for coping with personal and family financial crises. Dr. Lau King-tang introduced specific measures such as debt restructuring, increasing income and reducing expenditure. At the same time, he provided differentiated coping suggestions according to different family income structures and emphasized the necessity of establishing an emergency fund reserve, offering students a comprehensive solution to financial crises.
During the interactive session, students actively asked questions and had exchanges with the keynote speaker on practical issues such as "how to maintain family financial balance when income drops sharply" and "debt handling methods after business failure". Dr. Lau King-tang answered each question based on his rich experience.
The successful holding of this lecture not only imparted practical financial crisis coping knowledge and skills to students, but also guided them to establish a scientific financial planning awareness. Through the lecture, students gained a deeper understanding of family financial management and enhanced their ability to cope with financial risks, providing strong support for maintaining the financial health of individuals and families.
Text/Picture: Alexa Chen
Review: Jack WOO
