Consumer male god

Han Lie was counting the time in his mind. He finished it in time and stepped down in about 5 minutes.

Today is not his stage, he must be measured.

Generally speaking, Mr. Han just gave a brief introduction to the major forms of real estate asset securitization and its advantages and disadvantages compared with traditional financing methods.

The advantage is simple, it can circumvent bank lending restrictions for real estate companies.

The disadvantage is simpler...expensive.

And it is not ordinary expensive, it is at least three times the cost of bond issuance, twice the cost of bank loans, and sometimes higher than short-term bridge loans.

But between living and being expensive, normal people will choose living.

So as soon as Han Lie stepped off the stage, he was surrounded by "normal people" and became the most beautiful guy in the audience.

There are so many people that we can only exchange business cards in a hurry and chat a few words. It seems familiar to others. Talking more is disrespectful to other people.

business?

Don't answer!

Han Lie was very clear-headed and did not limit himself to the role of a middleman, competing for jobs with the major brokerage firms present.

ABS and REIT-like projects are not mysterious. There are too many companies that can do it, and it is not worth investing a lot of energy.

In fact, starting this year, related gameplay will soon proliferate and become a major profit support for the asset management departments and fund subsidiaries of securities companies.

Han Lie didn't want to waste any more time earning agency fees, so when he met a company in need, he would directly push Tang Xintian and Lu Shuli out one by one.

Both of them are familiar with the process. One is backed by Pudong Development Bank and the other is backed by the Red Circle Institute. Their ability to handle business is very outstanding at this point in time.

I really can’t figure it out... isn’t there still a master like me?

In this way, Han Lie struggled to deal with waves of real estate developers.

Then, I finally heard a long-awaited name——

"Hello, Mr. Han, I, Gao Yijun, have a small real estate company. Can I exchange business cards with you?"

"Hello, Mr. Gao, you're so polite."

Han Lie shook hands with the other party gently and lightly. He was neither proactive nor enthusiastic, but he was not alienated or hostile either, just like before.

However, when exchanging business cards, they looked at each other intently.

Gao Diaomao looks about 50 years old. His hair must have been baked. It is dark and thick, making him look very young.

This person's appearance is not vulgar. On the contrary, when he smiles, his eyebrows are curved downwards, and his eyes are like crescent moons, giving people a very soft feeling.

He speaks politely, his tone is neither hasty nor slow, and his temperament is quite good.

If we hadn't known in advance that this man made his fortune by sacrificing the lives of thousands of employees, who would have imagined that he, who looked like a university scholar, was actually an old man?

Han Lie instantly realized that this person should be very difficult to deal with.

So he shook hands lightly, nodded, and left without giving him a chance to speak again.

"I'm sorry, Mr. Gao, I have a friend over there that I want to meet."

The young man who was guarding behind Gao Yijun was about to open his mouth when he saw this, but Gao Daomao smiled and put away his business card: "Okay, please do it. I'll ask you for advice in person when you have the opportunity."

Seeing Han Lie turn around and walk away, the handsome young man muttered: "Dad, what..."

"Don't rush."

Gao Diaomao waved his hand and kept looking at Han Lie's back, and said relaxedly: "Is it useful to be anxious? Urgent, you will only make mistakes."

Gao Shen curled his lips subconsciously.

He muttered: "Anyone here is bigger than us, but you can hold on. When their business schedule is full, I'll see what you do!"

"What can be discussed on such an occasion?"

Gao Daomao turned to look for Gu Yong. When he saw him, he smiled confidently.

"Tomorrow and the day after tomorrow, ask Mr. Gu to make an appointment alone, have two glasses of wine, and arrange a few shows. That will be an opportunity to talk about serious business."

Just as he was about to go to Gu Yong's place to join in the fun, Gao Diaomao suddenly stopped and turned to look at his son: "By the way, take your wife with you. Remember to be modest and don't show your teeth!"

"ah?"

Gao Shen's expression suddenly turned green: "Why are you taking her with you? Our family is not that good, right? Don't take advantage of my wife..."

"Idiot! What's going on in your head?!"

Gao Daomao was so angry that he yelled, "You unfilial son, who do you think I am?" !

"What I mean is, let your wife call her sister, and then see if she can make friends with Han Lie. Even if she doesn't call, it can warm up the scene..."

Gao Shen looked at his father suspiciously: "Really?"

Gao Diaomao was so angry that his temples were throbbing with pain.

"Look at your potential!

In other words, you treat that hen that doesn’t lay eggs as a treasure!

Han Lie is 20 years old, and your wife is 31 years old. They are not from the same generation!

If we really want to roll on the same bed, who will take advantage of whom?

Open your eyes and take a look. Is Teacher Han short of beautiful women? ! Who has a more dignified temperament than Xiaobai? !

Damn it, hurry up and get a divorce!

If you can’t have any more grandchildren within two years, I will give you a younger brother myself! "

Gao Shen was scolded so much that he no longer worried about his wife, but he was still unhappy.

Those two sisters-in-law... I'm so greedy!

But he didn't dare to be stubborn anymore.

I know my own father best. When he was young, he was really willing to beat his son...

Although he doesn't take action now, he still values ​​authority and insists on speaking at home. How can he be allowed to jump around?

Forget it, go back and discuss it with your wife...

Alas, she will definitely not agree. How should I coax her?

What a hassle!

…

Han Lie didn't have any friends to see, so he just took the opportunity to leave. Not long after he walked out, he was really dragged to a leisure reception area by Liu Minghao.

"Teacher Han, let me introduce you."

Liu Minghao's attitude was very serious, and beside him were Mr. Qi from Jingang and another young man.

Mr. Qi is not the focus, that young man is.

Jin Minghui is a graduate student in economics at Fuzhou University. He has not yet worked. His father is the first brother of Shanghai Banking Corporation.

Han Lie was not familiar with Mordu Bank. He only knew that it was the first city commercial bank in China approved to operate in another location. It was listed after the stock market crash and its market value dropped to more than 80 billion.

Well, the net assets are more than 170 billion, and the market value is less than half, which is the norm in the banking industry.

Ignoring the market performance and looking at its business itself, it is actually doing well. Its total assets are close to 3 trillion, ranking third among city commercial banks.

Given the nature of the Shanghai Financial Center, with so much competitive pressure and so few resources allocated, it is actually not easy.

Of course, the development of Mordu Bank has nothing to do with Han Lie.

The reason why Han Lie considered its development in the first place was to determine the specific level of its helmsman, and then determine how to treat Jin Minghui.

Are you too thoughtful?

It’s not about people who are engaged in finance, but that in the upper class society, only by thinking more and making decisions can you be invincible.

If you don’t think too much, no one will step into the trap for you.

…

Jin Minghui was very polite, and his first words after greetings were very complimentary.

"Teacher Han, you have attended all the lectures at SISU. When will you come to our FSU to have one?"

Oh, he will know what happened in the afternoon in the evening.

Although it's not a secret, it can be seen that Jin Minghui pays attention to Han Lie.

And this kind of attention often means asking for something.

Han Lie silently increased his vigilance in his heart and waved his hands with a smile: "SISU is my alma mater. I can't bear to go through a torment. There are so many outstanding people in our university, and I don't dare to embarrass myself."

"No, you are too modest!"

Jin Minghui's smile is very old-fashioned and steady, with a sense of maturity that is immovable in all directions.

"My undergraduate degree is in finance and my graduate degree is in economics. I can attest that students from both departments are definitely looking forward to you. Really, you must come next semester!

Of course, my weight is not enough. It is normal for you to have concerns. Our department chair and my father will definitely make you feel at ease. "

Han Lie understood, and asked in agreement: "Is Mr. Jin also the master?"

Jin Minghui smiled reservedly: "My father is also the co-president of Fuda China Financial Club..."

Good guy!

Is Fuda the leader in the financial world? !

Han Lie was very surprised and finally realized the importance of Lao Jin correctly.

The bank in Shanghai is not a big one, at least it is not among the top banks in Shanghai.

However, in the financial circles of Shanghai, there are several forces that cannot be ignored, such as Fuda Economics and Management, Jiaotong University Gaofin School, Qingbei Department of Investment Banking, etc.

There is a jingle that goes, "There are no investment banks outside Qingbei, and there will be no finance after the resumption of diplomatic relations."

A slight exaggeration, but the general idea is correct.

The next two, the Canadian National People's Congress of Finance and Commerce, are more divided. Most of the top experts are in the system, while ordinary students are mainly distributed in the middle level of the industry.

If you only look at Magic City, then Fujiao Shangcai is the absolute leader.

It is no exaggeration to say that as long as you can get admitted to the corresponding majors in these three colleges and universities, you will be able to get very good training from the beginning of your junior year. The advantages of the platform are so great that outsiders cannot imagine it.

Han Lie in his previous life had seen too many different treatments.

Extremely unfair and infuriating.

But I worked so hard to pass the 985 exam and received the care of my immediate seniors due to my academic ability and diligence. Is there anything that is not humane?

not at all.

Han Lie asked himself: If I were a big boss with a resumed diplomacy, I would also be willing to give more opportunities to junior students. In most cases, they are more valuable to train than second-level graduates.

So I can only blame myself for not studying hard. When I entered the society, I risked my life and couldn't get on the express train of others.

Now Han Lie could see clearly where his original anger came from - on the surface it was resentment of injustice, but in reality he was resentment that privileges did not shine upon him.

Quite boring.

Today, of course Han Lie no longer needs to take other people's rides, but he still has to deal with mainstream forces.

Even if you don’t plan to join a certain circle, you should at least be familiar with them.

Lao Jin is the most important and critical figure in Fuda's financial circle, and Modu Bank is his foundation, but it does not fully reflect his power.

Therefore, Han Lie expressed "awe".

"I'm sorry, it turns out that Mr. Jin is the real senior... If you have the chance, you must ask for advice in person."

"Don't worry, there will definitely be a chance. My father is also full of praise for Teacher Han."

Jin Minghui smiled calmly, and then began to chat with Han Lie about economics.

Han Lie didn't understand what this young man meant, but he was not afraid. Level 4 economics was much better than the average graduate student. When he met Jin Minghui, who had a family background, he was not at all inferior.

In the middle of the conversation, Mr. Jin suddenly asked: "What does Teacher Han think of bank assets coming off the balance sheet?"

Um? !

Han Lie was stunned for a moment, then a light flashed in his head and he suddenly realized.

That was the original idea!

The ABS business is not only a life-saving straw for real estate developers, but also of great significance to all related chains.

From a bank's perspective, the "correct" model plays a key role.

Let’s briefly explain bank assets off balance sheet——

With the cooperation of the trust industry and the securities industry, the banking industry moved credit assets off the balance sheet.

These credit assets disappear from the bank's balance sheet, no longer constitute risk assets with higher weights, and no longer affect the capital adequacy ratio, allowing the bank's loan-to-deposit ratio and other indicators to meet regulatory requirements.

Focus on it!

The fundamental purpose of transferring some high-risk credit assets off the balance sheet is to improve capital adequacy ratios and reduce on-balance sheet risks, thereby freeing up more room for lending.

As we all know, domestic banks rely on loans to survive. The more foreign loans they make, the higher their profits will be.

However, you cannot lend as much or as little as you want. To put it simply, it depends on how much deposits your bank has.

The more you save, the more you can borrow.

For small and medium-sized banks, due to their limited deposits, their ability to lend externally is also very poor.

Everyone knows that the deposit interest rate of city commercial banks is much higher than that of the four major banks. Why?

Because city commercial banks' own ability to attract deposits is so poor, they have to raise interest rates and even provide frantic benefits to compete with big banks.

If you deposit 50 million in personal deposits at ICBC, ICBC bankers may not pay attention to you.

If you go to a local commercial bank to deposit money, the bank manager will show his favor to you frantically, and the beauties will come to you on their knees - because the work pressure is too great, they don't have the confidence to bank in the world.

10 million is enough to complete the tasks for a year, and 50 million is almost enough to be promoted to branch president.

Brothers, do you know how to play?

To sum up, if commercial banks want to increase their profits, they can only desperately absorb deposits while thinking about selling off their balance sheet as much as possible. This is especially true for small and medium-sized city commercial banks, which can be said to be very exhausting.

Now, Han Lie is engaged in more advanced compliance and win-win. Apart from Shenzhen Qianhai, his model is the most advanced.

Although he could only be awesome for a few months, during these months, he was the coolest kid on the street.

That year I had my hands in my pockets, and anyone who saw me would have to say "I look so handsome..."

Realizing Lao Jin's core needs, Brother Lie smiled.

He carefully considered his words and replied concisely: "In your position, do your best, and in order to survive, it is helpless and understandable to show off appropriately."

Ouch, this guy is really good at it!

Jin Minghui was very shocked. The young man in front of him was simply a monster he had never seen before.

Surprised, but also very satisfied, he took the initiative to have a drink with Han Lie.

Then, he gave Mr. Qi a look.

Mr. Qi immediately said politely: "Mr. Han, actually I also need financing for my new project. We have been cooperating with Mordu Bank before, and it was very pleasant, but now... you know.

So it's very troublesome. In fact, Mr. Jin is very willing to help cooperative companies overcome difficulties, but due to the situation...

Do you have any advice? "

After a pause, seeing that Han Lie was silent, he immediately added another sentence——

"Don't worry, as long as your method satisfies both of us, I can sign an agency agreement with you now, for 7.5 billion, and the consulting fee is 1.5%!

My requirement here is that the overall cost cannot exceed 12%, and it is managed by Modu Bank. "

Han Lie's pupils shrank sharply.

Even he can't ignore the 112 million right under his nose.

This money is so crucial. If you get it and spend it with Pan Ge, it is directly equivalent to 220 million experience points, which can increase the two attributes to the full value of 89 points!

Do you want to make this unexpected fortune?

Also, is it possible to make money?

Han Lie pondered for about 5 seconds, and within the vast knowledge framework, a plan slowly took shape.

He raised his head, looked directly at Mr. Qi, and spoke calmly and confidently.

"You sign the agency agreement and consulting agreement now, and within 30 minutes, I will give you a plan that perfectly meets the needs of multiple parties."

"real?!"

Mr. Qi was surprised, happy, and a little unbelievable.

Then, he glanced at Jin Minghui subconsciously.

"Wait a moment, Teacher Han."

Jin Minghui stood up in a hurry, walked aside with the phone, dialed the number, and chatted for a while.

After returning, Mr. Qi nodded, and then looked at Han Lie seriously: "If Teacher Han can fully understand the needs of our two families and meet our respective needs, the 1.5% initiation fee is what you deserve."

This pie!

On the premise of satisfying both of them, 1.5% space is simply impossible to achieve.

And what does “origination fee” mean?

Being a project sponsor requires hard work!

It's not like you can get 112 million for free just by coming up with an idea. How can it be that easy?

However, this condition is good enough.

If you don't have any skills, you really can't get it.

Han Lie was too lazy to praise Haikou any more. He sat on the sofa and waved to Liu Minghao with a bold hand: "Contract!"

Liu Minghao immediately called Lu Shuli, and the group moved directly to the hotel conference room.

Lu Shuli went to the storage office to get Liu Minghao's briefcase, took out the USB flash drive and notebook, revised it on the spot and typed out six contracts.

Three were project agency agreements and three were consulting agreements.

The consulting agreement contains a fixed amount of 37.5 million.

The agency agreement stated that Zhongmei Investment should help Jingang Real Estate Company complete the project at 11.5% of the cost, with Modu Bank as the designated custodian.

Both parties signed and affixed their official seals, all that was left was notarization.

Before the contract officially takes effect, Han Lie still needs to convince Mr. Qi and Lao Jin with a plan.

Sitting opposite each other at the conference table, Han Lie took out the plan he came up with in 5 seconds.

"I'll go through the main body of the project first. If there are any questions, we'll discuss them one by one later."

Lao Qi, Xiao Jin, Liu Minghao, and Lu Shuli looked at Han Lie with wide eyes.

“Essentially, Mordu Bank has money, but it cannot be put into the hands of Mr. Qi.

So my plan is this -

Zhongmei's fund subsidiary launches a single investor trust plan, and randomly finds a trust company to package Jingang's projects into it. The channel fee can be as low as 0.2%.

We get rid of brokers and save underwriting fees.

Then I brought in the newly established Modu Guarantee Company to increase the credit of the project. I am confident that the guarantee fee will be controlled at about 4%.

After that, I will get rid of SAIC, ask their securities and finance department to give up buying treasury bonds, and eat up the trust in full at an annual interest rate of 5%.

The project custodian is Modu Bank, with a management fee of 1.3%.

The legal aspect was left to Fangda at a cost of 5 million.

Any accounting firm from the Big Four will do, and the fee is 5 million.

The evaluation agency also used Modu Lixin, with a cost of 27.5 million.

The total is 11%, leaving 0.5% for maneuvering.

Finally, a subsidiary of SAIC initiated a special corporate bond plan with a total amount of 10 billion to your bank. It raised funds in the form of wealth management products and issued 2.5 billion to customers as the priority. Your bank passed PMC as the second priority. Partial investment of 7.5 billion - Just understand what I mean. How to do it depends on the convenience of your bank.

As long as SAIC's final interest rate is controlled below 4.2%, it will be OK.

As a result, your bank gained a total income of at least 5.5%, actually invested 7.5 billion, and provided ordinary customers with 2.5 billion high-security financial products.

Mr. Qi received 7.5 billion trust funds and started construction of the property as scheduled.

After a lot of hard work, SAIC got a 0.8% interest rate spread of 7.5 billion and a medium-interest corporate bond of 2.5 billion. I will help them arrange it all, with an annual interest rate of at least 7%, which is another interest rate difference.

The re-guarantee company won key projects, expanded its influence, and continued to hit the top ten in the industry.

I believe you don’t have to worry about anything and you will get 15 million for nothing.

Everyone is happy and no one loses.

How about it, you two, are you satisfied with my plan? "

Mr. Qi and Jin Minghui looked at each other, their eyes full of surprise.

"Satisfied, so satisfied!"

"There's definitely no problem with me, but... are you sure you can do it?"

Jin Minghui suddenly felt worried about gains and losses.

The plan was so perfect, it struck his heart with incomparable precision.

He didn't mention a word about "going out" at all, but the core of the project was "outgoing".

This tmd is not a genius, what is a genius? !

But precisely because the plan was so perfect, Jin Minghui became extremely worried.

A plan is a plan, and it is not difficult to come up with it...well, it is also difficult to come up with it, but the most difficult thing is how to get SAIC and the re-guarantee company to cooperate.

This matter is definitely not as simple as just talking.

However, Han Lie was not polite at all and showed almost absolute confidence.

"Since I dare to speak, I am confident that the total cost of the project, 11.5%, has been written in the contract. Don't worry, you two."

To be honest, they are a handsome group.

Jin Minghui's perfect composure was completely defeated. He excitedly picked up his phone and hid in the small bathroom inside.

When he came out again, he smiled brightly and stretched out his hands to Han Lie from a distance.

"Teacher Han, happy cooperation!"

Han Lie also smiled and thought: I don't know whether you are happy or not. Anyway, I am making a lot of money from this agency fee.

110 million is not certain, 75 million is stable.

Is there an hour before or after?

Ha, before the Lunar New Year, you can improve your appearance to 89 points, that’s all!

Moreover, it has helped Lao Jin a big favor, and he will be able to gain a foothold in the financial circle of Shanghai in the future. To put it more arrogantly: Lao Jin + Lao Huang + Brother Tang, isn’t that going to be a sideshow in the financial circle? !

By the way, you can’t leave Pan Zi alone. If you want to guarantee the company’s favor, just give it to him. If you can’t negotiate 4%, you have to give me another watch...

Han Lie was making calculations and couldn't help but laugh.

As soon as he went out, he saw Tang Xintian and gave her a big smile.

Sister Tangtang was confused.

Being so friendly to me all of a sudden...you need my help in your new plan?

She walked over quickly with a wine glass in hand, full of anticipation.

Sister is not afraid of hard work. If you have any projects, just come over!

*****

This is what it looks like after playing finance to a certain level...

If it's too boring for everyone to watch or if the judge doesn't allow me to write, then I'll turn off the microphone from now on.