My 1999

There is more than one way to get this rating.

As we said before, among 1,000 borrowers, there are 800 3A-level high-scoring users, plus 200 3B-level low-scoring users. If both parties are averaged, the average score of this asset pool can definitely meet the requirements of Moody's and Standard \u0026 Poor's. 3A rating requirements.

This is a huge loophole.

It can create huge profits for us. "

Xu Liang's words were like the whispers of a devil, causing Montes and his son to breathe quickly.

His eyes were shining, his face was bloodshot, and his expression was full of excitement.

Xu Liang saw this, and the corners of his mouth curled up unconsciously, ready to add more fire.

“There are a lot of low-scoring borrowers in the market, and we need to identify those with high FICO scores.

This is the key to whether we can repackage 3B-rated subordinated debt, successfully sell it, and earn high returns.

So is it difficult to find these highly rated people?

It's actually quite easy.

Rating agencies also have a blind spot that they did not pay attention to, or did not pay attention to.

They don’t understand the difference between ‘thin paper’ and ‘thick paper’ FICO scores.

As the name suggests, a paper-thin FICO score indicates that the credit history is short and paper-thin because the borrower has not borrowed several loans.

For example, immigrants who have never defaulted on their debts.

Because they never got a loan.

So usually have a very high FICO score.

Therefore, a nanny from Jamaica, or a Mexican strawberry picker earning $14,000 a year, as long as he has the desire to borrow $750,000, after filtering through the models of Moody's and Standard \u0026 Poor's, from a credit operation perspective, the situation becomes Very useful.

They got the house and we got the higher FICO score.

So, we can easily harvest a large number of borrowers with higher FICO…. "

Before Xu Liang finished speaking, Chris Montes could no longer bear it.

"Dad, this is a huge opportunity for us..."

Reed interrupted his son.

Look directly at Xu Liang.

"How do you plan to cooperate?"

Seeing the fiery eyes between father and son, Xu Liang knew they had taken the bait.

This is also normal.

Anyone with a sound mind and a certain understanding of the U.S. financial market can't help but feel excited.

"Hanhua has no investment banking business. Originally, I planned to acquire an American investment bank to develop CDO bonds based on real estate subprime loans.

But for Helen, I'm willing to give in.

The Montes family stepped in to acquire an investment bank on Wall Street.

Hanhua provides the bonds and you package, grade and sell them.

After success, Hanhua obtained 80% of the profits... "

"no."

After quickly interrupting Xu Liang's words.

"We are responsible for packaging, grading and sales, but you only provide bonds. Why do you get 80%? We should get 80% of the income."

When it came to interests, Reed Montes instantly revealed the greedy nature of the old capitalist.

"That's right. We do the most work and deserve the most benefits."

Chris Monteith chimed in.

Xu Liang smiled lightly.

"Mr. Montes, please note that I am not negotiating with you. In fact, if it weren't for Helen's sake, you wouldn't even get 20%."

Reed Montes stared closely at the young man in front of him.

"Aren't you afraid that I will spread your plan?

Or we ditch you and do it ourselves. "

"Haha, I'm really not afraid.

the reason is simple.

I own 80% of the US$50 billion of real estate-related 3B-rated subprime debt currently issued in the U.S. market.

I also have $62 billion in Class B and Class 2B subprime debt.

Therefore, no matter who wants to do this business, they cannot avoid me. "

The reason Xu Liang dared to disclose his action plan was because he had grasped the most critical thing in the plan - 3B-rated subprime debt.

Without this, it is like a gun without bullets, no matter how gorgeous it is, it is just a piece of scrap metal.

Of course, 3B-rated subprime debt is still being developed continuously.

But development takes time.

Another thing, Wall Street is not stupid.

As long as you make a move, they will know your core operating ideas.

At that time, the market will instantly be crowded with competitors.

3B-rated subprime debt will become a hot commodity. Who can compete with the five major investment banks with a century-old history and deep roots?

Therefore Xu Liang is confident.

He picked up the teapot on the table and slowly poured himself a cup. After taking a sip, Xu Liang looked at the greedy father and son opposite him with a smile on his face.

"Mr. Montes, Hanhua's money is not my own. It is invested by 1,590 rich and powerful people around the world, including the Bush family, Gates family, Roosevelt family, and Kennedy family, as well as investments from 137 institutions.

Whoever wants to cut off their financial path will step into the abyss. "

Reed Montes's pupils shrank, and his heart was shocked.

He had no doubt about Xu Liang's words.

Hanhua itself contains amazing energy.

This is also what he is afraid of.

"Hahaha... Xu, you are indeed a real business genius. Helen is lucky to marry you, and it is also the luck of the Montes family."

Xu Liang smiled and said, "So, what's the result?"

"There is no problem with the 20% share."

"dad……."

After interrupting Chris Monteith.

"I will arrange for the family trust fund to acquire an investment bank on Wall Street as soon as possible."

Seeing how knowledgeable he was, Xu Liang smiled and said, "I'm waiting for your good news.

However, it is impossible for the Montes family to fully eat such a large piece of fat.

So I can only give you one-third of the share, and the remaining two-thirds will be taken care of by Morgan Stanley and Goldman Sachs. "

"Xu, the Montes family can take full responsibility for this transaction."

Reed Montes said quickly.

No one wants to share the fat in their mouths.

"Mr. Montes, are you sure you can withstand the pressure from the entire Wall Street?"

Before the other party could speak, Xu Liang shrugged.

"I can't bear it.

What's more, I have other demands.

One-third is already the biggest discount I can give you for Helen's sake.

Of course, you can also choose not to accept it.

As for the transaction approval of DreamWorks Animation, as long as I use a little share of Hanhua's hedge funds, I believe many people will be happy to help me solve this little trouble. "

After taking a deep look at the man in front of him, Reed Montes smiled.

"I heard that Helen gave birth to a lovely child. I want to see my grandson."

"I'll take you there."

Xu Liang stood up.

"Please."

Montes came over smiling.

Plenty of space for Helen and Christina to have separate rooms, study, and nursery.

Seeing Xu Liang coming in with his father and brother, Helen knew in her heart that the two parties had probably finished talking.

She never showed up before because she didn't want to make it difficult for Xu Liang because of her own reasons.

This firm stance undoubtedly amplified her favor among Xu Liangliang.

However, they are biological father and daughter after all.

Although she has a lot of dissatisfaction with the Reed and Montes families, family ties and blood ties are still constant.

Seeing them coming in, Helen also greeted them with a smile.

"dad."

"My little baby, I heard that you gave birth to a baby. Chris and I came here to see you."

"Thanks."

After a brief hug.

Everyone walked to the crib and looked at the sleeping little guy inside, and Reid's expression became gentle.

"Oh, what a cute little thing. Helen, can I give him a hug?"

"certainly."

Helen leaned down, gently picked up the baby, and placed it in Reid's arms.

The latter hugged him with a smile on his face.

"Helen, he reminds me of you when you were a child. You were smart, beautiful, and had your own opinions."

As he said this, he couldn't help but feel emotion in his heart.

The best of his five children was Helen, but she was only a girl, and she was only the fourth.

It was impossible to pass on the position of head of the family to her without passing over her two brothers.

"I hope little Carlos can be more like his father, smart, strong, and become a respectable strong man." Helen said.

Looking at the smiling Xu Liang next to him, Reed smiled.

"This child combines the excellent genes of both the Montes family and the Xu family. I believe he will have a bright future."

Helen's scrutinizing eyes glanced back and forth several times on the faces of her father and Xu Liang.

I understand in my heart.

To be able to make his greedy father take the initiative to praise her, the conditions have obviously been met.

I couldn't help but become curious.

Of course, she also knew that now was not the time to ask.

Dong Dong…….

There was a knock on the door.

"Come in."

Xu Liangdao.

A female bodyguard opened the door and walked in.

"Sir, the master and the old lady said that lunch is ready. Please take your family down for dinner."

"I know, I'll go right away."

The bodyguard nodded and stepped back.

"Mr. Montes, shall we go down?"

Give the child to Helen.

"Xu, as a son-in-law, you should call me by my name."

"OK, Reed. Can we go?"

Reed Montes smiled, turned and went downstairs.

After finishing lunch and chatting for a while, Reid took his leave and left.

——

On the way back to the hotel.

"Dad, are you ready to promise him?"

"Do you want to refuse this huge profit?"

"Of course not, I think we can definitely strive for more."

"How to fight for it? Fight with words? Or do you think our Montes family can surpass Goldman Sachs and Morgan Stanley in energy?"

“Dad, actually we don’t have to deal with Goldman Sachs and Morgan Stanley, we only need to deal with Xu Liang.

And he is also a Chinese.

We just need to make some noise in the media to ensure that countless conservative white Americans will openly oppose his holding of Universal Pictures, and even Hongmeng’s development in the United States will be hindered.

When he was exhausted, we showed the energy of the Montes family at the right time.

Make sure he surrenders to us obediently. "

This routine is also a commonly used method by American elites to suppress foreign powers. Although it is crude, it is very effective.

Looking at his proud son, Reid couldn't help but feel disappointed.

"Is this the great idea you had?"

Chris wasn't stupid either. One look at his father's face and he knew he didn't agree, so his words changed instantly.