Consumer male god

Normal asset managers dealing with similar projects must squeeze their own profits desperately to meet the requirements of investors.

It's better to make less than nothing, right?

In fact, 0.5% of 7.5 billion is already very rich. In another year and a half, the asset management team of Sanzhongyihua will be able to break new ground for this kind of project.

Therefore, under the premise that the 0.5% consulting fee has been obtained, the most trouble-free and labor-saving way is to replenish all the costs extracted from the intermediate links to the Bank of Shanghai.

But Han Lie just didn't.

When he got the chance, he had to squeeze out the oil from the stone, even if he had to bear the greatest risk.

Specifically, what benefits can Han Lie get from this operation?

First, they squeezed out an additional 110 million in intermediary fees from the Jingang project.

Second, because the compensation given to Moduxing is sufficient, the agency fee can be collected in advance, and it is OK to mark it on the contract.

Third, a 5 billion hybrid graded fund was instantly filled.

The new fund's focus is on index ETFs, which does not conflict with the original private equity and is a very good profit supplement.

Fourth, the priority part of the fund must not be sold. It is a favor to everyone and has high room for maneuver, so Lao Jin has to accept Han Lie's favor.

Fifth, the risk of the inferior part is very high, but it is also a very good opportunity, which can satisfy those non-core customers that cannot be filled by private equity, such as Lai Chenting, Jin Erjie, Cai Ye, etc.

Equity private equity is Han Lie's key product and is only open to core contacts, but non-core customers are also valuable.

Lo and behold, another wave of favors were sold...

Sixth, the expected profit of the subordinate part of the new fund is very high, which can 100% push Lao Xing to the position of chairman of the financial holding company.

How are you going to thank me then?

Seventh, part of the new fund can be used for bank fixed deposits, treasury bonds, and corporate bonds. It is a very good PY trading chip, and it is very likely to come in handy when clearing away high profits.

Eighth, realize its influence in multiple fields to the greatest extent.

The simplified operation plan is indeed worry-free and does not require risks, but it is a waste of the various resources and abilities that Han Lie currently has.

Only the current plan can utilize every ounce of his energy to the limit.

Join forces vertically and horizontally, and use one project to catch all relevant people in one go. Everyone can find their own position in it and get unexpected rewards.

This kind of resource integration ability is not even written in textbooks.

Once it is made by Han Lie, you can imagine what kind of scenery it will be like.

But Lao Jin couldn't think that far.

It's not that he's not smart enough, it's just that Han Lie hid it too deeply.

Lao Jin pondered for a long time and said frankly: "At the beginning, my idea was to increase the loan interest to SAIC, for example to 5.2%, and then let SAIC's Securities and Finance Department take over the Jingang project at a price of 6%... "

Han Lie smiled but said nothing and listened patiently.

Logically speaking, for the Bank of Shanghai, the most worry-free way is to squeeze Han Lie's profits and directly increase the off-balance sheet income.

This is what Shanghai Pudong Development Bank did. It directly gave Han Lie a fixed income. If he can do it, he can't pull him down.

But now, Lao Jin hesitated.

"If you spend 10 billion, the annual interest rate is 6.5%. This is my bottom line.

And your plan is actually equivalent to a fixed 5.5% income of 7.5 billion, plus a 2% agency sales and custody fee of 5 billion, and a 6.5% interest for the priority of 1 billion.

4.125+1+0.65=577.5 million.

Even if we personally purchased the priority part of the fund, the final income would still be 72.5 million short...

Moreover, if we switch to PMC to invest in financial products, it will incur a lot of costs. The actual gap may be as high as 100 million. Teacher Han, how do you explain? "

Jin Yu looked at Han Lie with bright eyes, shouting that he wanted an explanation, but actually he was full of expectations.

He is looking forward to a different answer. He doesn't need to make money, but he must have enough room for imagination.

Han Lie looked solemn and spoke calmly.

"Jinhang, from my narrow perspective, I don't recommend that you go out and buy priority shares yourself."

"oh?"

Jin Yu's interest suddenly reached its highest level, and his tense body relaxed slightly.

This answer is correct.

Han Lie continued to talk and added some body movements.

"You see, there is only 1 billion left in the priority list. Your bank borrowed money to invest in it. After counting the messy costs, the maximum net profit left is about 50 million.

Can the development problems that Ke Gui Bank is facing be solved with just tens of millions of profits?

I don't think so.

Profit is important and is the ultimate pursuit of all financial people. However, your bank is rooted in Shanghai and competes hand-in-hand with dozens of large and small state-owned commercial banks in the financial center. The real top priority should not be pure profit.

I read several of your speeches before coming here, and also studied your bank’s development ideas.

‘Focus on cultivating and shaping operating characteristics in the fields of small and medium-sized enterprises, wealth management and pension finance, financial markets, cross-border finance, online finance, etc., and continuously enhance sustainable development capabilities. ’

Is this your consistent development path?

The concept of sustainable development is a good one, and avoiding strong head-on competition with major banks is also the right strategy.

However, so far, I have not seen any obvious achievements in 'wealth management' by your bank.

Maybe the younger generation is ignorant? "

Damn it!

Flying close to your face, you are so fierce!

President Jin was stunned for a moment, and then laughed to cover up his embarrassment.

"Teacher Han is quick to speak... Yes, our wealth management is not good enough and we don't have many high-value products..."

While laughing and shaking his head, Lao Jin asked with interest: "So, Teacher Han thinks that this 1 billion share should be used to attract high-net-worth customers and build our reputation for wealth management?"

"Yes."

Han Lie nodded heavily and strengthened his tone of voice.

“Similar opportunities don’t come around very often. Compared with a mere RMB 40 to RMB 50 million in profits, the long-term benefits of building reputation and cultivating customer loyalty are significantly higher.

And we can calculate the small accounts carefully——

Your bank transferred 1 billion of its own funds and made an actual profit of 50 million. It competed with its own customers for profit, and the profit was single and narrow.

What if you keep that 1 billion and use it elsewhere? It also generates profits.

When your bank develops high-net-worth customers, by selling 1 billion funds on an agency basis, it can almost issue top-tier credit cards with a limit of at least 3 billion year-on-year. At the same time, through certain bundling methods, it can increase personal time deposits by 1 to 2 billion.

Comprehensively enhance the bank's heritage and activate local customers' enthusiasm...

If you buy this 1 billion quota yourself, you will just make a little money.

How many activities can be carried out, how much added value can be generated, and how much long-term impact can it have? !

Jinxing, I am a layman, so I may be a little bit arrogant. Please correct me. "

Let me correct you!

Lao Jin's fingertips were trembling, and he was inexplicably shocked.

"Teacher Han is actually so proficient in our bank's business?!"

Well, this is not a simple statement that makes a surprise, but a tactical idea that is highly maneuverable and very close to reality - even though it is not at the strategic level, when it comes out of Han Lie's mouth, it immediately makes people happy. The horse is outrageous!

How old is Han Lie?

What is it for?

Have you ever worked in any bank for even one day?

Lao Jin paused for a while and suddenly asked an irrelevant question: "So, Teacher Han thinks our bank should focus on local customers?"

Han Lie was stunned for a moment, then nodded immediately.

"Yes, local people - especially local people in old communities and old lanes - targeting them will make it easier to spread influence to a deeper level, achieving the effect of spending one penny to get five cents of the work done."

Lao Jin continued to talk: "Do you have any specific ideas?"

Although Han Lie felt that Lao Jin was a bit "not doing his job properly", he had to answer.

After thinking about it briefly, I came up with two common services in later generations.

"For example, the 'binding of medical insurance, social security and bank cards and quick payment' that specializes in serving citizens, and other batch payment projects such as sporadic medical expense reimbursement, sunshine wages, and all-round wealth management services that can be carried out following this fund sales, etc. …

Serving the citizens is a big slogan, and providing more services to the locals in Magic City is a concrete action trend. Starting from the local middle-aged and elderly people, the price-performance ratio should be high..."

"Snapped!"

Lao Jin slapped his hands hard, finally unable to control the excitement that had nowhere to go.

"Teacher Han, are you interested in coming with me..."

As a result, he was stuck in the middle of the invitation, and suddenly realized that it was presumptuous and unrealistic.

With Han Lie's income level, it seems I can't afford him? !

Uh, this is embarrassing...

Fortunately, Han Lie didn't take advantage of the topic. He just smiled and pretended not to hear anything.

Lao Jin calmed down for a moment, regained his senses, and then continued the original topic.

"Teacher Han, your idea makes sense, but even so, there is still a gap in actual benefits.

Yes, I can force the project to be implemented, but the work cannot be that simple and crude. I need a stronger reason to get the entire management to agree..."

In fact, Lao Jin has surrendered.

Could it be that he doesn’t know the huge role that 1 billion high-quality principal- and interest-guaranteed fund shares can play in the bank’s market share?

No, he knew it.

When he started to think along Han Lie's train of thought, the outcome was actually doomed.

Psychology is good at grasping human nature, marketing is good at discovering needs, and the magic of deception can be combined to achieve precise and direct attacks.

Han Lie's level 4 posture skills are really rogue.

Lao Jin really couldn't bear it.

He was just accustomed to hitting one more stroke and wanted to push Han Lie further.

"The inferior part still has its share."

Han Lie replied lightly: "In official documents, I will not make any promises about income, but today we are communicating privately, so I am willing to confess my personal prediction to you——

As long as your bank purchases about 50 million in inferior shares, I will be absolutely sure to make up for all your bank's losses.

Now, it just depends on whether President Jin is willing to take a gamble with this junior..."

50 million is actually quite conservative.

In Han Lie's estimation, he will use half of the fund, about 2.5 billion, to purchase ETFs such as the CSI 300.

Leverage can be increased to two to three times, and the final absolute return should exceed 400% of 2.5 billion, which is a net profit of 10 billion.

Therefore, on the date of expiration and liquidation of the 5 billion tiered fund, the net value must be above 3.

50 million shares, after excluding management fees and profit accruals, you can get back at least 120 million, with a profit of 70 million, more than double.

After all the calculations before, how much did Moduxing lose in total?

As long as they dare to buy 10 million shares, it will basically be enough to make up the difference.

Although Jin Yu is a financial expert, he himself does not participate in the secondary market - finance ≠ stock trading.

So it's very confusing now.

On the one hand, I deeply felt that Han Lie was too talented to be a teenager, and I couldn't help but want to trust him.

On the one hand, I feel that it is too risky to use my own funds to buy inferior products.

After struggling for a moment, Lao Jin slowly asked questions with great skill.

"I can understand your confidence, and please understand my embarrassment. Teacher Han, I don't ask you why you are so convinced that you will succeed. I only need a more profound reason to strengthen my confidence..."

A bit convoluted, but actually not difficult to understand.

So Han Lie replied leisurely: "SAIC Lao Xing, who is about to buy at least 1 billion inferior diesel engines, is a good friend of mine. I am where I am today precisely because I never let my friends down.

Many people will firmly walk with me because of this.

President Jin does not need to believe the boastful words of the younger generation, but if you are willing to believe in the vision of Mr. Xing, Pudong Development Bank Huang Xing and others, then you can buy some shares of the younger generation yourself.

Your relatives, friends, and particularly valued customers can all give you advice.

In the next two years, many people will be able to make money from the market, but they will not be able to make more money or make money more steadily than me.

Is this attitude enough? ! "

Enough is enough, enough is too much!

Jin Yu has achieved his current position with solid performance and ability. He has seen many crazy people, but he has never seen a more crazy "kid" than Han Lie.

——At his age, isn’t he just a kid?

But it was this kid who dared to use such a decisive method to strengthen his confidence.

How to understand?

What Han Lie means is: Not only can you buy my fund in person, but you can also mobilize relatives and friends to buy it together. I will bet on your future, and I will definitely win!

Once he really loses money, Lao Jin will definitely be disgraced and hurt.

And Han Lie will officially form a feud with Lao Jin because of today's instigation.

You should work on the project normally and don't make such outrageous remarks. Even if you really lose money by then, no one has lost any money. You can just laugh it off and just stop contacting him.

But Han Lie's current statement is tantamount to throwing himself on the gambling table. If he doesn't succeed, he will be benevolent!

If he fails, the entire Fuda financial circle will reject him, laugh at him, attack him, and publicize his ridiculousness.

The cost is really not as simple as losing some money.

Lao Jin was immediately stunned.

No, you are now considered successful and have a lot of money. Can you afford to work so hard? !

He didn't understand, but he was shocked.

In fact, Han Lie really didn't take any risks - it was a sure-win bet, so why not pretend?

Too arrogant?

That’s right!

There is a senior bank manager opposite us, and we are just a newcomer. If we don’t set our attitude, how can we leave the deepest impression on others?

This is part of personal branding, and it’s something you must brag about when faced with important opportunities.

Back then, Ma Yundong and Rebus boasted more powerfully than the other, and everyone knew the result - they got things done and became legends.

But don’t be like Jia Zhou next week. People who only brag but don’t live up to their promises will eventually have no choice but to leave the industry sadly and live in a foreign land.

Han Lie's Thousand Layers routine was truly a practical application of what he learned, and he used it extremely well...

Lao Jin was confused for two blinks of an eye before finally making a decision——

"Okay, according to your plan, I will gamble with you!"

He didn't mention whether he wanted to buy the inferior queen. Obviously, this kind of thing needs to be considered again.

However, as long as he can approve the first half of Han Lie's plan, then Brother Lie's plan will be considered a complete success.

The intermediary fee was obtained steadily, and the consumption amount soared by 100 million.

There is another 5 billion fund, buy index ETFs and throw them there, so you don’t have to worry about it.

Pulling Lao Jin onto the chariot, in the future, as profits are realized, the relationship will become closer and closer, which in a sense means that we can share his Fuda platform.

At the same time, there is enough space to win over non-core connections and expand the relationship network dramatically.

Among the three major local banks in Shanghai, Shanghai Pudong Development Bank, Magic Bank, and Nongchan Commercial Bank, Han Lie has already secured two-thirds of the funds. To put it in a more arrogant way, it basically locks out all possibilities for Gao Daomao to raise funds from local financial institutions.

There is no need to think about non-local financial institutions. It is impossible for others to pay attention to Gao Diaomao. His only way to survive is to borrow money from local institutions to survive the crisis with the help of the upper-level power of the local faction.

Now, it was blocked by Han Lie in advance, and the big network was completely formed.

The remaining 2.5 billion cash in the hierarchical fund is a hidden trump card.

At the critical moment, no matter which branch the 2.5 billion is thrown into, the president will definitely be willing to do a little favor for Brother Lie - to withdraw the high-priced loan in advance.

Teacher Han, what does financial gangsters eat gangsters?

The introduction is!

To be honest, no matter how Han Lie can integrate the resources in the end, looking at the current situation, only three words can describe it - winning!

Han Lie smiled and left all contracts and documents to Jin Yu, stood up and shook hands with him.

"Jin Xing, you are busy with things, so I should go and make preparations first?"

Lao Jin not only shook hands with Han Lie vigorously, but even patted the back of Han Lie's hand twice with his left hand, which was extremely cordial.

"Okay, happy cooperation!"

The words were concise and concise, not irritating at all, but in the end, he expressed his respect for Han Lie in another way——

"I'll ask the office director to contact you. On the day of success, I will take you into the core circle of Fuda Finance!"

"Grateful!"

Han Lie bowed politely, calmed down his anger, and returned to normal respect.

"Then stay and see you later!"

After going out, I chatted with the office director Geng Tong for a while, and with his greeting, I went downstairs and got in the car.

He met several beauties along the way and had no chance to flirt with them, but Brother Lie was filled with excitement and hidden excitement.

There is only one last step left before gaining both fame and fortune and becoming a god in one battle!

"Boss, where are we going?"

Liang Wu asked at the right time.

Han Lie turned his head and looked at her with a smile in his eyes: "I'll give you a test question: Where do you think I want to go now?"

The assistant thought for a while and asked uncertainly: "Going to SAIC headquarters?"

"Ha ha!"

Han Lie laughed heartily and waved his hand to Cheng Shi: "Go back to the company!"

Then, he smiled evilly and raised his eyebrows at Dalizi: "Call Mr. Xing for me later... It's such a big deal, wouldn't it be rude for him not to come and visit me?"

Yes, yes? !

Liang Wu felt dizzy.

I'm a little confused, this matter...who is begging whom?

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