American Fortune Life

Alvitre groaned for a while, and had a headache for the boss's idea. To be honest, this idea of ​​cutting bank meat is not without action, but the premise is that every step of the market change must step on the red heart.

The bank is not a fool. The bank loan of 100 yuan is 100 currency, not the corresponding purchasing power at the time. In order to avoid risks, the accountant and jing accountant of the bank had already calculated the possible future interest rate changes before the loan. Interest rates will fluctuate with the market. Of course, in the case of currency depreciation and inflation, there will be a certain amount of money for lenders.

But if you want to earn the difference between the repayment due to currency devaluation and earning money from the bank, it is almost impossible to cut the meat of the bank, unless, of course. . .

"Agree on the interest rate!" Arvitelli spit out a financial term, which attracted all the attention of the think tank. Several financial JING Ying looked at Al with a wrong expression of "I didn't hear it wrong".

Al didn't bother their strange eyes and looked at the boss Andy, "Boss, I understand what you mean. If you want to earn benefits from the repayment interest rate, except at the beginning of the loan, negotiate with the bank and negotiate the agreed interest rate. There is no other way. However, the amount we want to borrow is too large, the bank may not agree, and the best result is to limit a floating minimum value, which is not very significant. "

Andy is a little disappointed, but hundreds of thousands, isn't millions worth the money? Don't make a fool if it is cheap. Spend money generously, earn money to be stingy, successful people's principles of doing things.

Everyone in the think tank can see the disappointment on his boss's face. One of the accountants held the glasses on the bridge of his nose, rushed to Al first, and after seeing Al nodded slightly, he said to Andy with a smile. : "Boss, if the Fed really increases the amount of money by a large amount, and the issuance of US dollars causes inflation, we can use the money earned from loans to make large-scale industrial investments. We have huge amounts of cash in hand, and we can even invite a few The bank guarantees that some snake swallow elephant purchase plans will be carried out. In this way, we can expand the benefits earned due to inflation. Even without the snake swallow elephant purchase, we can spend the money as quickly as possible. Then use the previously acquired assets as collateral to lend to the bank. Under inflation, the bank will increase lending efforts. The apple we bought for 1 yuan can definitely loan 2 yuan or 3 yuan. We use these Loans pay off the loans before inflation, and then invest the rest. In the case of inflation, I do not increase the debt ratio. I am really sorry for the generosity of major banks. . "

Al also nodded and said to Andy: "After the real estate bubble bursts, the banking industry will definitely be affected next time. We can spend the profits we made in the CDS before using this as a mortgage loan and using these loans to invest In the capital market, shorting the banking industry and harvesting profits, I think this is undoubtedly the best solution, and you can severely tear a piece of meat from the major banks! "

After listening to the analysis of the think tank carefully, Andy nodded and said, "So that's it. Yesterday, I saw a briefing sent here. For the first time, HSBC Holdings increased the amount of subprime housing credit in the United States, and issued a potentially large increase. The warning has been sounded, the plan can be carried out in an orderly manner, integrate the resources, start to select the loan bank, the interest rate is the best, and at the same time talk about the agreed interest rate, I think these high-quality assets in my name, also The ability to pay is very guaranteed, and I think the bank will not refuse. "

Alwittlie nodded, and the next meeting time was to start the work distribution. After all, the loan negotiation with the bank could not be completed in one day or two days. This is not a loan of millions or tens of millions, but a matter of time. With a loan of USD 100 million, the bank will evaluate all assets and it will take a long time.

After the meeting, Andy and Al walked out of the conference room together. As Andy walked, Andy asked Al around him: "What's new in Mark Zuckerberg's contact with Microsoft?"

"Microsoft wants to annex Facebook, but Mark Zuckerberg has explicitly rejected it. His control YU is too big. He has said more than once in the meeting that Facebook is his lifelong career and he will never Let people do it, and even if he agrees with Microsoft's acquisition, the premise is to maintain the status quo, and he still controls the company, this condition, no company will agree. Microsoft is second, hoping to acquire a part of the shares, Mark Zach Berg shouted a 7 billion valuation, and has passed the unanimous agreement of the board of directors, and the opinions have been unified. I think if Microsoft really wants to buy Facebook shares, it will eventually agree to this valuation, if If we want to use Facebook's stock as a mortgage, we also need the cooperation of the media, so that banks can agree with this valuation. "

After Andy listened to Alvitelle, he groaned as he walked, and finally said, "Little Mazi will not cooperate with our hype. In this way, Sirei, who is in charge of" Happy Farm ", will be interviewed several times to confirm Facebook from the side Now that there are profitable projects, when it was revealed to the media that Facebook would raise funds from the outside world with a market value of $ 7 billion, Microsoft and the richest man in Xiangjiang have the intention to join the Facebook board. "

"Okay, boss, I know how to do it. By the way, are you interested in meeting Deutsche Bank's sales manager Jared West?" Alvitrie asked the boss with a smile.

"Is that the Wall Street" Top Advocate "who now sells CDS around Wall Street? Oh, it's not the time yet, I don't think he has too many customers. It's too early to contact now, but this guy is very visionary, this time After the crisis, he will become a new multi-millionaire. If you think about earning commissions, you can have ten million people. His eloquence should be very good! "Andy has heard of this sales manager. In previous films, his There are also a lot of dramas. Everyone sells cds. I really don't know what Deutsche Bank will do with this sales talent who died in his own company. Andy Jomo remembers selling 30 billion CDS from this person.

"Hehe, he doesn't have a good vision, but thinks that CDS is a profitable financial instrument. He doesn't care whether the real estate market will crash. In his eyes, he only has a high commission after selling CDS. I think, Deutsche Bank After the short is over, he won't let him go easily, I don't know if this kind of staff is lucky or unfortunate! "

Andy smiled at Al as he walked. He thought of himself together. Since Alvitelle became his chief investment adviser, he formed a team that does not discriminate against him, especially the boss Andy who never None of them showed even a bit of strange eyes and a pleasant working environment, which made his previously depressed mood because of being crowded out and discriminated against in the past. He was also very grateful to Andy, after all, It was not when the Rainbow Act was passed in the United States that everyone overstated and unanimously encouraged and encouraged them to come out, thinking that the same thing is true love.

In previous lives, Andy didn't realize there was any difference in coming out or the gays, but the glorious politics of being abducted and coming out of the world by the world is correct, and all kinds of foreign news reports hate it. There is a lot of sports. It feels like the truth is that this is very treacherous. In fact, it is discrimination that should be discriminated, just like the discrimination of skin color, it is transferred from the plain to the private.

"Boss, Apple's shark gang has changed a bit recently, and the stock price has fluctuated a bit."

Andy sneered and sneered: "Not long ago, Jobs released the first-generation iPhone at the San Francisco Global Software Developers Annual Conference, whether it is a" touch interface ", a 3.5-inch display and a physical Home button, or a 2-megapixel The rear cameras are all masterpieces of the era. This group of shark gangs suppressed the stock price before it went public. As long as Bardstone expected, this is also their consistent method. Do n’t worry, the stock price will soon rise. of.

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