Consumer male god
Chapter 276 Catch them all in one fell swoop
After three drinks, the atmosphere naturally became lively.
Gao Diaomao held Han Lie in his arms and chatted a lot, then slowly turned to the intended topic.
"Teacher Han, I have a question that I would like you to clarify."
"You tell me."
Han Lie replied casually, his attitude seemed a bit careless, exuding a perfunctory feeling from the inside out.
But the real situation is that the dog has already raised its attention to the highest level in the secret, just waiting for the prey to show up, and then shoots it with an arrow.
"Is such that."
Gao Diaomao lowered his voice and carefully considered his words.
"Is it possible for a similar ABS project that, without finding a single investor, we can turn it into a product and then divide it into small portions to sell to the masses..."
"Of course." Han Lie frowned deliberately, "This is a very basic model, but the cost will be higher."
Gao Gao was busy and refreshed: "Then where exactly is Gao?"
Han Lie explained in detail: "Each ABS project is an independent product. Unlike my private equity fund, it has historical results as a reference and can easily win the trust of investors.
In my judgment, it will not sell better than bank financial products, so it requires a very powerful sales team.
Generally speaking, the sales team should be given a commission of about 2% to ensure that most of the shares are sold as scheduled.
Moreover, the sponsor will most likely need to structure the project to ensure sales.
Structuring is another huge cost..."
Gao Diaomao was stunned.
However, the more this happened, the more he felt that Han Lie was professional, agile and capable.
"Teacher Han, may I ask, what's going on with structured processing?"
Hey, you're hooked, aren't you?
Han Lie was secretive in his heart, but on the surface he looked like he had exhausted his patience. He explained concisely and concisely: "Made the product into a two-layer structure. One part is the 'priority' and is sold to the outside world; the other part is the 'inferior grade'. Find funding to back it up.”
Gao Diaomao still didn't understand.
No matter how cunning and cunning he is, he will never be able to fill a half-full bucket of water in the financial field.
Seeing Han Lie looking too lazy to talk more, Gao Diaomao felt a little embarrassed.
I don’t even understand the concept, how can I draw a pie with Teacher Han?
At the critical moment, Gu Tianzi said happily: "Uncle Gao, you can understand it this way - the priority is to promise a fixed interest rate in the form of strong guarantee. The inferior class is to have a non-fixed interest rate, but has to bear higher risks.
In actual operation, once a loss occurs, the subordinate funds will be lost first, and then the priority fixed principal and interest will be paid in full. "
Yo?
The drum is played very well!
Han Lie glanced at Gu Tian. There was definitely no ambiguity, but he still let Gu Tian climb up the pole.
"Mr. Han, although I studied management, I also understand the routine operations in the international market. Am I right?"
"Yeah, that's right."
Han Lie nodded lightly and did not give her any further response.
Bai Yuxue didn't understand Gu Tian's character, so she suddenly felt that Han Lie was actually very picky and aloof, and even such a beautiful Bai Fumei didn't want to talk to him.
It seems like...my sisters still hold a lot of weight in his heart?
She silently gave Han Lie another point.
Gao Daomao finally understood Han Lie's thinking, but this was not what he wanted.
The solution he really needs is to get the money from retail investors, then develop the land owned by his company, and finally find a way to get rid of the money.
At least part of it must be forgone. Otherwise, if you pay about 20% more interest for nothing, how much profit will be left?
It can only be said that it is really difficult for people who are accustomed to walking on the wrong path to find happiness on the right path.
Or to put it more bluntly: a dog cannot change its habit of eating shit.
Therefore, although Gao Daofuojia grabbed the opportunity very early, there are profound reasons why it has been unable to follow the pulse of the times and truly become bigger and stronger after being in the industry for many years.
The structure is not big, the business ability is not high, and the talent is focused on flattery and crooked ways. He is not worthy of being called an entrepreneur.
He's just a ruthless and successful speculator.
Han Lie didn't answer, and Gao Diaomao had no choice but to give his son Gao Shen a wink, asking him to continue the conversation.
As a result, Gao Shen misunderstood and thought that his father wanted him to toast Han Lie again to make him happy.
The little green boy felt very embarrassed and thought to himself: Teacher Han doesn't even look at me seriously, he is so cold and cold, how can I have that strength?
Forget it, forget it, I can’t bear to let my wife catch the wolf...
He gritted his teeth and quietly begged Bai Yuqiu: "Xiaoqiu, please help me. You and Xiaoxue go have a few drinks with Teacher Han..."
Bai Yuqiu swung and raised her eyebrows: "Who do you think I am?"
Gao Shen was depressed and pleased at the same time, and hurriedly surrendered: "I didn't mean that, where did you think you were? What happened to drinking two glasses of wine in public? My dear, don't be so sensitive!"
Bai Yuqiu looked at him sideways with a smile but not a smile: "I am so sensitive when facing Teacher Han, what's wrong?"
Gao Shen didn't understand and continued to persuade him in a murmur. Later, Bai Yuqiu became "impatient" and opened his mouth and said: "My parents' house is old and small..."
"Buy, buy, buy!"
Gao Shen was overjoyed. Anything that can be solved with money is no big deal. I have money!
Bai Yuqiu then gave up and started working while suppressing a smile.
After she let him go, she had so many tricks to persuade him to drink. She went full-on with Han Lie and started taking small bites one after another.
Of course Han Lie wanted to give her face, so he drank two more drinks. When Gao Diaomao took a look, he immediately cast a look of relief at his son.
Not bad, not as expected, but the effect is quite good!
Teacher Han is happy, and our plan can proceed. Son, you finally found the right way to do things!
After drinking for a while, Han Lie seemed to be half drunk.
Gao Daomao hurriedly continued to "ask for advice".
"Teacher Han, what will happen if our project cannot return the principal and interest as scheduled?"
Hearing such questions, Gu Yong and Gu Tian also raised their ears.
Han Lie laughed slightly wildly: "Haha! Mr. Gao really likes to joke... What should I do? The guarantee company will pay and then dispose of your company's collateral!"
Gao Diaomao was unwilling to give in: "Is there no room for redemption at all?"
Han Lie shook his head: "What is the background of the guarantee company? The contract is there, and you use your head to blame others?"
Gao Shen suddenly interrupted: "What if we don't need a guarantee company?"
“The credit enhancement is not enough.”
Han Lie sneered disdainfully: "Without a guarantee company, why do investors buy your product? This thing is not a public fund that you can buy with 1,800 yuan if you accumulate a small amount. It is similar in nature to private equity, with a single share limit. Starting from 1 million.”
Gao Diaomao was indeed an expert in doing evil things, and he realized the loopholes almost immediately.
"Can I understand it this way - if the sponsor has the ability to package the project beautifully, and the sales team is particularly powerful, we can actually complete the project without the intervention of the state-owned assets guarantee company?"
Han Lie frowned and pondered for a moment, then nodded: "Yes, indeed, credit enhancement is an additional item, not a must.
Single investors are usually large state-owned enterprises, so they must have a guarantee company as the ultimate guarantee before they are willing to pay.
This is not necessarily the case for trust products sold to the outside world. If the sales team is given a high enough commission, it is possible for them to sell high-risk projects. "
Gao Diaomao was immediately overjoyed.
Wouldn’t it cost more?
What I care about is the principal of those retail investors. Who cares about how much interest is promised?
This can work!
Han Lie looked at Gao Daomao, whose eyes were shining, and sneered secretly in his heart.
It's so easy to catch you...
Obviously, this was the flaw that Han Lie deliberately left, but he did not take the initiative to bring it up, but left it there for Gao Diaomao to discover on his own——
The best way to lower a person's vigilance is to let him detect the "truth" on his own.
The more covert this process is, the more convinced the other party will be of their own judgment.
Now, Gao Diaomao was already immersed in joy.
Of course, just because it's theoretically possible doesn't mean he can actually do it. He still lacks a "strategist", a collaborator who is willing to come up with a plan and has the ability to handle everything.
The target can only be Han Lie, but how to pull Teacher Han off his own chariot?
Gao Diaomao fell silent and continued to observe Han Lie quietly.
This person has shortcomings on a large level, but he is quite good at dealing with people.
After going to the bathroom with his son, Gao Shen began to make a wish to Bai Yuqiu again: "You and Xiaoxue will work harder and ask Teacher Han a few questions."
"I'm afraid Xiaoxue can't do it, forget it, I'll go... I really owe your family!"
Gao Shen smiled broadly: "Our family is our family! Don't worry, I will do what I promised you tomorrow!"
"Okay, I will risk my life for my parents!"
Bai Yuqiu reluctantly agreed, and then found an opportunity to change seats with Bai Yuxue and sit next to Han Lie.
Uh, how do you describe it?
The fox fell into the henhouse? !
The female idiot jumped into the men's bathhouse? !
It didn't sound very nice, but the meaning was correct. Bai Yuqiu almost died of joy.
Let go of that bitch man, get out of the way and let me do it!
Gao Shen was not good at anything else, but he was definitely a professional at making excuses. When his wife proposed a toast, he would praise her and soon made Han Lie "happy".
In addition, the few questions Gao Diaomao sorted out were not conspicuous. Soon, with the active cooperation of Teacher Han, he got the answers.
One of the most important questions is: "What is Teacher Han busy with recently?"
Han Lie was all amused.
It's time for me to perform, right?
Movie King Lie goes offline and forces Wang Lie to transform!
Han Lie replied very casually: "Working around, not much business, but a lot of entertainment. Today I played golf with Huang Xing from Pudong Development and the leaders of State-owned Assets Urban Investment, and tomorrow I have to go to Shanghai to meet President Jin...
In fact, they are all similar cooperations, but you have to visit every mountain top repeatedly, so it is not easy to make some money! "
Gu Yong and Gao Daomao were immediately in awe.
Given their size, if you want to hire President Huang, you have to make an appointment in advance to rush for the opportunity, which makes it impossible to reach President Jin and higher-level leaders.
Han Lie spoke modestly, but his status was obviously different.
"Teacher Han is a talented person who works hard. It seems that he will take off this year!"
Gao Daomao was extremely envious. They were all engaged in real estate. As soon as he heard about the city investment, he knew that this was obviously a big business to deal with.
It seems that Teacher Han is more popular than I expected...
It's a pity that today's occasion makes it obviously inconvenient to have an in-depth conversation. Gu Yong and his daughter are here.
However, Gao Diaomao was still working hard to please him, mainly because he wanted to get Han Lie out alone and "corrupt" him again.
Only in an environment without outsiders can it be convenient to talk about real planning.
Gao Daomao thought that he would have to wait for this opportunity, but he didn't expect it. His daughter-in-law was sweet-tongued and could cause trouble, and she actually coaxed Han Lie to drink a few more drinks, and his interest was high.
So, when the banquet was about to end, Gao Diaomao suppressed his excitement and extended an invitation to Han Lie.
"Teacher Han, I think you are almost drunk. Why don't you go to Quanzi's house for a cup of tea later to sober up?"
Gao Shen was stunned for a moment.
Isn't it?
I can understand drinking tea to sober up, but why do you have to come to my house?
If Bai Yuxue can't count on him, doesn't it mean that he has to let my wife serve him? !
The little green boy is not very good at that, so he has a strong and twisted possessiveness towards Bai Yuqiu, and he is very sensitive - he can tell by looking at his father's eyes that this father really dares to bribe his own wife!
Gao Shen is very willing to invite Han Lie to his home, but the premise is that he must control the situation by himself and no problems can arise.
Therefore, he was very resistant to his biological father's proposal.
You didn't mean well!
Gao Shen looked at Han Lie expectantly and thought: Teacher Han is so arrogant, he shouldn't agree, right?
As a result, Han Lie drunkenly waved his hand: "Okay! I'm happy today. I'll give you face and lead the way!"
Gao Shen: ╥﹏╥
Gao Diaomao didn't have time to pay attention to his son's little thoughts. He was already beaming with surprise.
In his opinion, Han Lie was very difficult to date under normal conditions. Today was a rare opportunity, so he had to seize it no matter what!
"Teacher Han, slow down, Xiaoqiu, go help Teacher Han!"
Bai Yuqiu "dare to be angry but dare not speak out" and reluctantly held Han Lie's arm.
Then he glared at Gao Shen and yelled: "Help? Why are you standing there?!"
The poor little green kid didn't even have time to get jealous, and he held onto Han Lie's other arm in a daze.
No, why do I feel so depressed?
On the other side, Gu Yong used a voice that Han Lie could hear to "encourage" Bai Yuxue.
"Xiaoxue, you are a spiritual child, but no matter how good the jade is, it needs to be polished by an expert. Teacher Han is an outstanding person in many fields. If you have the opportunity to learn from him, you must seize the opportunity."
Then, he shook hands with Gao Daomao and said goodbye.
"Brother, Teacher Han will be taken care of by you. If you become in-laws in the future, don't forget your brother's contribution!"
Gao Daomao was very proud and laughed.
"I'd like to lend you some good advice! Don't worry, the magic city is so big, how can one person eat all the food? My brother will be rewarded generously for today's help! Just wait for my news!"
The "drunk" Han Lie suddenly felt something in his heart——
Huh?
Is Gu Yong also tempted? Want to join in?
Let me go, you must force me to catch them all...
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