Rebirth: Stockbroker, I have market data

Chapter 134: Liquidity and Yield

After waiting for another 10 minutes and checking the time, Xiao Jin decided to leave. After all, the time Feng Danqiu arranged to meet was during her working hours, and she met her boss Shi Yuzhen, which might not be good for her.

But at this moment, I heard talking and laughing in the corridor. It was Feng Danqiu who came back, and Shi Yuzhen followed him.

Xiao Jin had no choice but to walk out of the room and said to Feng Danqiu: "Mr. Feng, then I won't disturb your work. We will contact you later."

"Oh, Xiao Xiao, wait a minute, let me introduce you to the financial director of our company!"

At this time, Shi Yuzhen looked at Xiao Jin with a smile on his face, which made Xiao Jin scratch his head. What's going on?Could it be that I really will have an unexpected gain today? !

The three of them returned to the office and sat down. Feng Danqiu spoke first.

"Xiao Xiao, you are here today, let me give you a good introduction!"

Feng Danqiu began to introduce that Shi Yuzhen was the financial director of Shi Enterprise Group and her immediate boss. In addition, she was also the eldest daughter of Shi Da, the president of Shi Enterprise Group.

Although the relationship between Shi Yuzhen and Feng Danqiu is between superiors and subordinates, boss and employee, Feng Danqiu is older and has worked in the company for many years and has the trust of Shi Da. Therefore, Shi Yuzhen also trusts her and does not regard her as just a An ordinary employee even calls her Aunt Feng in private.

Shi Yuzhen is in charge of the financial power of the group for his father. The group also has a considerable cash flow. How to make this money valuable is what Shi Yuzhen has devoted his efforts to research.

Therefore, Shi Yuzhen continued to communicate with professionals. Of course, her first choice was bank personnel. As expected, she was recommended bank financial products. Because her amount was huge, the annualized return was more than [-]%, and the absolute return was also very impressive.

But because this money is the cash flow of the enterprise group, the characteristics of bank financial products generally have a fixed term, the minimum is one to three months, and the maximum is one year.

Because Shi Yuzhen chose to buy multiple installments of financial products from the bank. In this era, purchasing bank financial products can only be done offline. Therefore, Shi Yuzhen has to go to the bank every month.

What is good from above will be followed by others. Feng Danqiu also bought bank financing like Shi Yuzhen, and also went to the Agricultural Bank of China on Minsheng Road. At that time, he met Wang Xiulian who was introducing customers to Xiao Jin like crazy. Feng Danqiu was recommended to Xiao Jin as expected. , opened a stock account.

After opening an account, Feng Danqiu opened a new door. Of course she knew what stocks were before, but she always dismissed them as speculation rather than investment.

However, after experiencing the bull market in 07, the stock market fell rapidly, which greatly stimulated Feng Danqiu. Especially the people she came into contact with often suffered huge losses. She finally believed that it was time to get involved in the stock market.

Due to various reasons, Feng Danqiu met Xiao Jin. Through contact with Xiao Jin and "side knowledge" from Wang Xiulian, he realized that Xiao Jin was very good, so he kept inviting Xiao Jin to "lecture" for him.

Today, Xiao Jin came to visit and met Shi Yuzhen. Shi Yuzhen had not known Xiao Jin for a long time, but after meeting twice, he always felt that Xiao Jin seemed familiar, so he asked Feng Danqiu. Feng Danqiu did not hide it, and said that Xiao Jin was Securities company.

Shi Yuzhen also had a lot of contacts with people from securities companies, or in other words, many people from securities companies approached her, but because they were too utilitarian, Shi Yuzhen was a little annoyed.

Today I heard that Feng Danqiu had made an appointment with someone from a securities company to come to his door. He was also disdainful. However, Feng Danqiu admired Xiao Jin very much and talked about how awesome Xiao Jin's technical analysis was.

Shi Yu was really in a good mood today, and he felt a little familiar with Xiao Jin. After the two of them finished their work, they came to see Xiao Jin together.

Of course, these were backgrounds, Xiao Jin didn't know, but he already knew Shi Yuzhen's background, so of course he wanted to take her down.

Feng Danqiu knew Xiao Jin's purpose and said a lot of good things for Xiao Jin in front of Shi Yuzhen, mainly referring to Xiao Jin's good investment vision.

However, Shi Yuzhen was not interested in the stock, but asked directly:

"Mr. Xiao, let me tell you directly about my needs. I want to find higher returns for the company's liquidity, but I have higher requirements for liquidity. To be honest, I have invested in many financial management projects in the bank. The product, not to mention the income, it’s just the liquidity that gives me a headache, I wonder what you can do?!”

"Well, well... Yes, you can choose to invest in monetary funds or treasury bond reverse repurchases. The main investment objects of the financial products you buy from banks are mostly monetary funds or bond products, such as currency The redemption of funds is generally t+1 or t+2. It is recommended that you choose Class B currency funds, while the funds for reverse repurchase of government bonds arrive in your account on t+1. These two varieties can meet your needs!"

"Oh? Do I need to go to the securities company myself?"

"No, you can completely operate it on the software. Even if you go to the counter of a securities company, it is only needed when opening an account or making changes, and only the authorized person is required!"

"authorizer?"

"Yes, based on your needs, I think you should open an institutional account to realize such a transaction. For example, you can ask Mr. Feng to handle it, or someone else. Moreover, institutional customers are currently exempt from paying transaction tax and It’s stamp duty!”

"Oh?"

Xiao Jin's answer made Shi Yuzhen's eyes light up. The people from the securities companies she met before often encouraged her to invest in stocks. It was a joke. She had to use the company's liquidity to avoid loss of principal, and investing in stocks was not an option.

"So, how is the income? Are there any bank financial products that are high?!"

"Usually not!"

"Oh?!"

"This is because bank financial products stipulate that you cannot use the principal within a certain period of time, while the time limits of monetary funds or government bond reverse repurchase products are completely tolerable."

"Then, isn't my loss in bank financial management a bit too big?!" Shi Yuzhen was still a little reluctant to give up.

"Well, actually, there is another type of risk-free investment, which is to invest in new stocks and new bonds. For small funds, the result of these two methods is likely to be futile, but if you have large funds, it will not It’s the same, and the current income from new shares is very considerable. As long as the new shares are listed, the income will definitely be worth several times or even more than ten times the income from bank financial management!”

Xiao Jin talks eloquently. This is due to his professional knowledge and his continuous learning. He is now able to "answer all questions"!

"There are really no products with higher profits?!" Shi Yuzhen was still a little unwilling to give up.

"To ensure positive returns, liquidity, and higher returns, there is no other way in the market, unless you use an investment method like splitting multiple financial products, where you divide all the funds into 12 equal parts , you only have one chance to get back one-twelfth of your principal every month, which is still detrimental to the liquidity of funds!”

Xiao Jin continued to express his views, and he was so sure that Shi Yuzhen had to believe it. In fact, there is another way, which is the same way as Shi Yuzhen's investment bank financial management, but the investment object is trust products, and the rate of return is higher.

But at present, Xiao Jin has no way to obtain trust investment channels. At least, Evergrande Securities currently does not have trust products.

Shi Yuzhen felt disappointed, but still said calmly, "Aunt Feng, if you have time tomorrow, go to their company to open an institutional account!"

......