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Chen Yi answered while eating. Chen Yi's answer was very simple. He didn't see Chen Yan's pupils shrank slightly after hearing his answer.

Chen Yan said in as calm a tone as possible: "Private equity securities, then you are very good. You have entered private equity securities at such a young age? There are not many private equity securities in Xinghai City. Which company do you work for?"

Hearing this, Chen Yi raised his head and looked at Chen Yan in surprise. He didn't expect a restaurant owner to know about private placement securities.

You must know that private equity is different from public equity. Because publicity is prohibited, many ordinary people have never heard of private equity securities, but they obviously know it from the store manager. This surprised Chen Yi, and he never thought of it. The owner of a small restaurant actually knows about private placement securities.Seeing that the boss asked, Chen Yi naturally didn't like to talk about him, and in Chen Yi's view, there was nothing to avoid, but something to be proud of.

Chen Yi is still proud of being able to enter private equity securities, but he also knows that pride in shares is not good, so he tried to use a calm tone as much as possible to make people sound indifferent: "I work in Ruiming Investment. , as a marketing manager."

Although Chen Yi still wanted to keep a low profile as much as possible, he still subconsciously showed a trace of pride and pride.

He didn't see it. Chen Yan, who was sitting opposite him, was slightly taken aback when he heard Chen Yi's words. The way he looked at Chen Yi was a little different from before. After hearing Chen Yi say that he was the marketing manager, his expression became even brighter. It's weird, looking at Chen Yi's eyes full of sympathy and worry.

Chen Yan wanted to tell Chen Yi to be careful, but he hesitated seeing Chen Yi's proud expression, because he knew that according to Chen Yi's current state, no matter what he said, Chen Yi would not listen to him, and would even think that He measures the belly of a gentleman with the heart of a villain.

In fact, this is exactly the case. Chen Yi himself didn't realize that because of his yearning for private equity securities, he was very concerned about his ability to enter this company and this industry, especially after entering this industry and being able to sit in the position of manager in a short time. On, he is very proud.

In the past, Chen Yi was often ridiculed by Hu Haokang and his group because he did not find a satisfactory job for a long time, but because what others said was the truth, Chen Yi had no way to refute anything. Confidence and even a little low self-esteem.

It was this job that brought him praise from others, it was this job that brought him the admiration of others, it was this job that brought him hope for the future, and it was this job that brought him back Lose self-confidence, throw away inferiority complex.

Therefore, Chen Yi attaches great importance to this job. He does not allow others to say nothing about this job. In his opinion, this job has a bright future. If others say that this job is not good, it is because they are jealous or short-sighted No knowledge.Although Chen Yi didn't say much on the surface, he would despise this person in his heart and forget everything he said.

Chapter 282

Not long after Chen Yi thought of this, the computer screen popped up again: "The well-known private equity fund "Ruiming Investment" stepped heavily on the "decoration design"", ""decoration design" suddenly thundered, and the private equity boss was not spared", " Surprised to see private equity overturned, heavy stock holding suspected of financial fraud.” and many other news.

Chen Yi looked at it one by one, and the more he watched, the more frightened he became. It must be said that the speed of these journalists was simply too fast, like a cat smelling fishy smell, they all reported this matter in a swarm.

It didn't take long for the public information of the company's history to be revealed one after another. Among them were the public introductions of three fund managers and related cases involved in history. Among them were the market managers since Chen Yan. Brief introduction to cases of illegal operations.

Originally, these things were all public, but they were all public on domestic law-related websites. If you don’t pay attention to them deliberately and can search for them, if you want to find out all these things, it will take an extremely accidental opportunity and patience.

But now because the heavily held company is suspected of financial fraud, the various media and reporters in the stock market are like human flesh search engines. They began to look for Ruiming Investment to attract market attention. After all, this is a private equity fund. , Private equity funds are very low-key in the market. Everyone knows that many of the people in these private equity funds are big bosses. This industry is very low-key and mysterious. Now it is hard for one company to hold stocks, and it is still a heavy position Such a big thing happened to the stock of the company, which naturally attracted the attention of many people in the market.

These financial media and news reporters are indeed very capable. In just a few hours, they collected, sorted out and presented the public history of most of Ruiming's investments.Although each matter is simply mentioned a few sentences, this is an introduction. After knowing the general things, interested people will search the relevant legal books online, thinking that they are all public information, so It is not difficult to obtain.

Chen Yi has relatively little social experience, but he is not stupid and sweet. He is not the kind of person who is very simple and innocent.After seeing the news about Ruiming Investment sorted out by the media, he immediately went to the relevant legal book website to search.

Chen Yi read every legal document and related cases in detail. Chen Yi discovered that since the fund manager named Chen Yan was reported for rat warehouses and insider trading, he was given a "lifetime ban from the industry" by the regulatory agency. After the punishment, Ruiming Investment had many market managers before and after. Each of them was not very old when he was punished, and they were all about the same age as him. Moreover, each of them violated the regulations on fundraising, which brought a negative impact on the company's reputation. When the loss came, the company was sued in court and paid a considerable amount of money.

Although it is clearly written in the legal book of every matter that the mistake is the result of the market manager’s improper operation when raising sales funds for personal gain, but so many market managers are like this before and after, and each of them has It was this problem, and Chen Yi felt something was wrong.

Although Chen Yi couldn't figure out what was going on, and he also trusted the law and the ruling of the regulatory agency, but this thing was not right, but he didn't know exactly what was wrong. After looking at those people At the age and job position that was punished at that time, Chen Yi felt chills all over his body.Although Chen Yi didn't want to understand what was going on, he knew that his current situation was too similar to those of those who were punished in history, or it could be said that they were exactly the same.

They are all at this age, and they are both marketing managers. Chen Yi then carefully looked at the specifics of the punishment of these people. He wanted to see what went wrong during the recruitment and sales. Did people fall into the pit successively?

At this time, Chen Yi still held the attitude of learning, rectifying what he was responsible for, and encouraging others if he did not. In his opinion, it should be purely improper operation, or because of personal interests and other reasons, some procedures or steps that should be there are not there. caused problems.

He wants to learn to save himself from making similar problems again. He knows that he still has no doubts about Ruiming Investment at this time, and he doesn't know if he really has no doubts?Still have doubts but don't want to admit it.But I have to say that Chen Yi is a person who easily trusts others.

Chen Yi carefully read the detailed introductions in the law book, and compared them with himself one by one. In addition to being able to check for deficiencies, improve abilities and avoid risks, Chen Yi also wanted to see if there were any problems with his unknown behaviors so far.

The first person is because he should first check the customer’s information when selling, but he didn’t check it. According to the requirements of the regulatory agency, the customer’s financial assets should be more than 300 million yuan, and the actual investment should be at least 100 million yuan. But this person did not check the customer's materials, so the customer did not actually have 300 million financial assets, but only more than 100 million, so he let the customer buy the product.

Chen Yi doesn't care about this, because sales are divided into direct sales and consignment sales. As the name suggests, direct sales are direct sales by the marketing staff of the fund company, while consignment sales are entrusted to an agency to conduct sales.It is the responsibility of the organization that actually sells these materials at the time of solicitation and sales and related materials.

The product that Chen Yi did the sales roadshow was sold by Shangxin Securities, and the first problematic case was direct sales, so he learned the relevant precautions, but as far as his previous product sales were concerned, This first type of error has nothing to do with him.

The second person did not do an appropriateness match.Chen Yi knows that each product may face different risks depending on the investment situation. According to the requirements of the regulatory agency, he believes that the risks are divided into "low risk", "medium risk", "medium risk", The five categories of "medium-high risk" and "high risk" correspond to the need to conduct a questionnaire survey on the risk tolerance of investors before purchasing products, so as to score according to the national unified standard given by the regulatory agency. The scoring results are still divided into There are five categories: "low risk", "medium-low risk", "medium risk", "medium-high risk" and "high risk".

The so-called appropriateness matching refers to matching customers with different risk levels with products of different risk levels. Customers can buy products with the same risk level as their own risk level or lower than their own risk level, but You cannot buy products with a higher risk level than yourself.

Therefore, generally speaking, when customers buy products, they need to do a risk level matching test, but this second person does not do a risk level matching test for the customer, and recommends the product with the highest risk level to the customer. After understanding these processes and seeing that the recommended product has a considerable profit, I bought the product as soon as I was fooled. After all, it is high-risk and high-yield. The higher the risk level, the higher the corresponding possible profit.

The client only saw the benefits, but not the risks. The second market manager who was punished did not remind the clients of the risks. Afterwards, the product suffered a large loss due to some reasons. The client wanted to recover the losses, but which fund company would compensate the losses? Woolen cloth?Ruiming Investment did not care about this client at all. The client found the regulatory agency. The regulatory agency originally planned to mediate, but after a detailed understanding of the situation, they took away the second market manager and imposed penalties.

Seeing these things, Chen Yi was also a warning, but he was not worried, because this time he was a consignment salesman and would not directly contact customers. He only contacted the account managers of Shangxin Securities, so he just cited them for these matters. Take it as a warning, just thinking about paying more attention at work in the future.

Chen Yi continued to read relevant legal books and relevant regulatory cases.

The third market manager who was punished was punished because he conspired with a client and broke through the minimum threshold for private equity fundraising.

Chen Yi knows that the minimum investment threshold for a private equity fund is 100 million yuan, but if he invests 100 million yuan at a time, especially if it is an investment in private equity securities that does not disclose its holdings, if he does not have a certain understanding of the fund manager, if It's not that my family is very rich, so it is more difficult for ordinary people.

This is actually quite normal. Private equity funds set such a threshold because the risk of private equity funds is relatively high, and it is not suitable for most people with low risk tolerance. Normally, such a capital access threshold can play a certain filtering effect of.

However, many people only see the possible benefits of private equity funds, but do not consider the possible risks that private equity funds may face, so they try to break through the minimum threshold.

And the marketing personnel of the fund company will have more commissions and more income because of improving sales performance, and they will also have the motivation to relax the standards for customers to buy products, so the marketing personnel of the fund company are likely to hit it off with the customer Change direction to exceed the minimum standards set by regulators.

This is the case of the third marketing manager who was punished. According to the content written in the legal book, the marketing manager took the initiative to tell the customer that he could find a few more people to make up 100 million yuan, and finally buy the company's products under the name of one person. That client was also very excited, so he found seven or eight people to pool together 100 million, and the beginning of the period was still good.

But later, because one of them was anxious to use the money and wanted to redeem the product, he took his own money back, but some people disagreed and wanted to continue to hold it. If you want to redeem a sum of money from the person who used the money, you can transfer the part he holds to your own name, but because you can't get that much money for the time being, there is no way.If you want to redeem part of it, because the market value after redemption is less than 100 million, according to the requirements of the regulatory agency, if the remaining amount after redemption is less than 100 million, you must redeem all of it.

Some people want to redeem it, and some people don't want to redeem it. Naturally, there are conflicts in that small group, but because the product is linked to the name of the person who doesn't want to redeem it, the person who wants to redeem it has nothing to do. , I can only go to the regulatory agency with the agreement signed by a few of them in private, each of them occupying a different share of the capital contribution, hoping that the regulatory agency can make a judgment and get it back with my own money. have to?This was a blatant violation of laws and regulations, so the regulator intervened in the investigation, and the third marketing manager was punished for it.

Chen Yi frowned. Although he didn't know these people, a total of seven or eight people pooled 100 million. On average, each person was more than [-]. The money was all in one person's name, but It is conceivable how much trust there is. Under such circumstances, such a relationship has finally reached the point where it is forced to seek mediation from a regulatory agency.

Chapter 283

Especially now that Gu Xinran has left him, he feels that his dreams are shattered. When he has dreams, he feels that he is different from others. He has dreams, and he can plan and work hard for them.

I feel that my body has inexhaustible strength, I feel that my whole body radiates light when I walk on the road, I feel that I am definitely not an ordinary person, and I will definitely not be a thing in the pool in the future.

But with Gu Xinran's departure, he felt that his dream was shattered. He was no different from other people in his life and those passers-by on the road. For a while, he couldn't accept this gap. The gap between standing out from the crowd and disappearing from the crowd.

Although these are just his own feelings.

So now Chen Yi pays more attention to his work than before. Maybe he doesn't realize it. Subconsciously, he is unwilling to admit that he is an ordinary person. He is pretentious and wants to do some great things.

And right now, the identity of this private equity market manager is the only life-saving straw he can grasp, and it is also the only life-saving straw that can prove that he is not ordinary people, or better than ordinary people.

So even Chen Yi himself doesn't know, what level of recognition he has reached for his job now.

But Chen Yi didn't actually notice that his love for this job, or his attachment to this job is actually just because this job can bring him a gorgeous appearance and identity, and it doesn't actually have any substance The harvest and growth, what he has learned and understood are all just superficial.

For him, this job is just a fig leaf.Although unimportant, it is indispensable.This is like many people who choose to deceive themselves because they dare not face reality.

Then he kept sinking in the dreams he made up. When others pointed out his problems, he would desperately maintain his dreams, and said that others didn't understand anything, or pretended to accept it humbly , But in fact, he has already listed the other party as a type of short-sighted and unsighted person in his heart.

Chen Yi is very smart. He can see these things clearly when it comes to others, but he can't see clearly when it comes to himself. Now he is still immersed in the fantasies about the future of work that he has woven. in it.

And who is Chen Yan?He has been in this market for so many years, and he has gone step by step from a researcher to a well-known top fund manager in the market. He has met too many people, and the stock market is a place to magnify human nature.

Whether it is good or evil, greed or desire will be magnified here, Chen Yan has seen too much.

Although Chen Yan doesn't know about Chen Yi's breakup, Chen Yan is still very clear about the mentality of a freshly graduated undergraduate who enters a private equity securities company and becomes a manager. That's right, but seeing the pride and pride on Chen Yi's face, and hearing the calm yet proud tone, Chen Yan knew that no matter what he said now, Chen Yi would not listen to him.