Rebirth: Stockbroker, I have market data

Chapter 665: The biggest liar in the world

Xiao Jin returned home and saw that Fang Siyu was bundled up and just came back to sort out his belongings. He hadn't even had time to take off his coat.

"When did you come back?!"

Fang Siyu didn't care about Xiao Jin's problem, but directly pulled him to sit down.

"Husband, I finally figured out something when I went out this time!"

"What's the point?!"

“The biggest liar in the world is the bank!”

"Uh, what do you say?!"

Xiao Jin originally planned to talk to her about his troubles, but in the end, Fang Siyu told him about business.

Fang Siyu also heard a friend tell her this when she went out, which probably meant this:

If you deposit 100 million in the bank, you can get 2 in interest a year, but if you borrow 100 million from the bank, you may have to pay 10 in interest. In the eyes of ordinary people, 10 is subtracted by 2, and the bank earns 8. .

If you look at banks this way, you are superficial.

In all banking and financial systems, whether it is insurance, securities, or the stock market, banks have a term called financial leverage.

What kind of leverage method? !

The bank has a kind of bill called an acceptance bill. You go to the bank for a loan of 100 million, but the bank doesn't give you the money, so it writes you an acceptance bill. You take the bill. Person A sees what the bank has issued and takes it away. And A gave the note to B. B saw that the bank note was issued and took it away, but in fact, the bank's money was not taken away at all.

However, this kind of acceptance bill is also subject to relevant legal constraints. Otherwise, the bank can issue countless bills.

Now, if the bank can open 50 times, then the interest of 10 multiplied by 50 tickets will be an interest of 500 million. However, the cost of your deposit interest of 2 has not changed.

So 500 minus 2 equals 498 million!

In our hands, we can earn up to 100 yuan from 8 million yuan, but if it is transferred multiple times in the bank's system, the bank can earn 498 million yuan!

This is the principle of financial leverage!

Xiao Jin listened to Fang Siyu's story with a smile, looked at Fang Siyu's big eyes, and said, "Dear, you don't want to open a bank, do you?"

"Bullshit, how can I have the money to open a bank? I have realized a truth!"

"What's the point? Is it related to the bank's acceptance bill you just mentioned?"

"Of course, this model of the bank is very cool! We at Yueyu Intermediary can learn from this high-leverage operation model."

"Oh, how can you learn from it?! How can it be used by you?"

"Let me tell you, the friend I met when I went out this time is in the chain business. Fortunately, he is not a real estate agency. Otherwise, I would be at a disadvantage!"

"Haha, tell me then!"

Next, Fang Siyu talked about this friend.

The story is that this friend opened a store, and then used the opening ceremony to hold activities to expand customers at ultra-low prices. The original price of the product was 128, and the current price is 38. Therefore, he attracted a large number of customers at the ultra-low price, and then he Guide customers to apply for membership cards, and the card office will provide temptations and induce transaction prices that customers cannot refuse.

Recharge 2000 and get 2000 free!

However, this friend evaluates this store, and the evaluation indicator is how many members are converted every day!

If 10 members are converted in a day and each person recharges 2000, this store is equivalent to earning 2 per day and 60 per month!

"Well, if you recharge 2000 and get 2000, that's 4000. Sooner or later, it will be consumed in the future! And this kind of consumption, whether it is products or services, has a cost. 60 won't be much left in the future! "Xiao Jin asked back.

"Yes, most people think this way, but think about it, why did I tell you the example of the bank just now?!"

"Uh, why?" Xiao Jin asked with a smile.

"Most people will think that the 60 yuan is the customer's advance deposit. In the end, it has to be served, and the service also costs money. After deducting the cost. There is not much left over from the 60 yuan, but if you think about it, the bank's money is also deposited. In the end, the bank will also pay us back. But why did the bank not collapse but make a lot of money? For example, store A made 60 in the first month, and used 60 to open store B, and then opened a store of [-] yuan with the customer's advance deposit. Home store!”

"Wow, you really dare to think about it. Aren't you afraid of losing everything?! Are all the hundreds of stores you open making money?!"

"Of course, it's impossible for all of these [-] stores to make money, but what should I do if the store doesn't make money? Just close it! If a customer asks for a refund, learn the bank's model of deposit and withdrawal and tell the customer that store A is closed. It doesn’t matter, just go to store B and that’s it.”

"Haha, then you just open a store in the front and do activities to make money, and slowly close the ones in the back that are losing money. In the end, you will never lose money!"

"That's right, so if you open a hundred stores, you can earn 60 a month. If you open a hundred stores, that's 6000 million, and that's [-] million a year!"

"Did the friend you met teach you this? I especially want to ask, how many stores has he opened now?!"

"Haha, what I just said is what he did last year. Now he has 1 stores across the country!"

"1 stores? Are they really fake? They haven't been demolished yet?!"

"Haha, I think you will ask the same thing! Did you know? This friend of mine allows outstanding employees in each store to invest in shares, and the benefits of the employees' shares are the profits from the operation of the store!"

"How much will the employee share if they buy shares?!"

"Guess! How much do you want to give them?! 40.00% nine!"

"so much?!"

"Yeah, I'm surprised too, but based on this calculation, there are 49 stores across the country, and he sells 5000% of each store, which is equivalent to him owning [-] stores. You know the reason why he does this is why?!"

"why?!"

"His idea is actually very simple, but it is also very risky. However, it will not be broken under normal circumstances. Therefore, this method is only suitable for people who dare to think and do it. If he does it, he is afraid that others will also do it. He can learn from him, especially his employees. If these outstanding employees learn it, they will go out to open stores on their own in the future, and they will also take away customers and some employees! Wouldn’t they be cultivating competition for themselves every day? Your opponent!"

"Haha, this friend you know is really brave enough to think and do it!"

"Yes, he told me that banks absorb deposits from ordinary people, while he absorbs pre-deposits from customers. The principles are exactly the same. Resources alone are resources, but if you don't have the mindset to make money and don't understand the business model, then I’m very passive and I can’t beat others! So, I have to really study these things!”

Fang Siyu kept talking about her own affairs, while Xiao Jin was a little upset. But at this time, Fang Siyu was still immersed in his own world and didn't know how to talk to her.

Finally, Fang Siyu asked: "Husband, there seems to be something wrong with you today!"

......