Rebirth Starts From 2006

"Where, where,"

Chen Yang bowed his head humbly and said with a smile, "President Liu laughed."

It's good to listen to this kind of scene, even if the people in their bank didn't expect it for a while, but they have specialization in the art industry, it may only take a short time for them to complete these things, there is nothing to be proud of.

Liu Xiufen shook her head and said with a smile, "It's really good, Mr. Chen, you said just now that you have signed a contract with Donghe Real Estate? Then you need to open a joint account immediately?"

"Yes, the contract was signed today," Chen Yang nodded and smiled, "Of course I hope that the sooner the better, if possible, otherwise, I have to use other methods, because neither I nor them Hope it drags on for too long."

"Well," Liu Xiufen pondered for two seconds, and then asked, "Then the setting of this account is what Mr. Chen just said. It is a temporary account for special funds?"

"Yes," Chen Yang explained, "Our transactions will be carried out in batches this time. After all transactions are completed, this account can be canceled."

"Okay," Liu Xiufen nodded and smiled, "In this case, we might as well use your project as a pilot first, and I will open the first corporate joint account in the country for you at Shijing Branch, and you must be the ones who open the account and withdraw money. It can only be handled by the personnel designated by both parties on the scene, and the account holder and supervisor will be notified immediately of the fund movement, does Mr. Chen have any other requirements?"

"No, no," Chen Yang said with a chuckle, "Then I would like to thank President Liu."

Hey, the first joint account, do you want to be so high-end!

"We can't say thank you for our cooperation," Liu Xiufen said with a smile, "If I want to thank you, I should thank you. If there is any problem in the process of using it, please contact our bank immediately. Adjustment."

Chen Yang nodded immediately, "No problem, it should."

In fact, for him, the importance of this joint account is really not that great. It is best to have it, and it is not a big problem if it is not. What makes him happy is the opportunity to have a direct dialogue with President Liu. With this level of cooperation, It means that there is a stepping stone, and if there are other cooperation needs in the future, it will be easier to talk about it.

After finalizing this item, the atmosphere of the meeting suddenly relaxed, and Liu Xiufen's face became more amiable. She looked at Chen Yang and said with a smile, "Mr. Chen, just now you said on the phone that you were going to develop the business of real estate brokerage, and today you bought another Many properties, are you optimistic about the real estate industry? However, recently, the topic of cooling the real estate industry has emerged endlessly."

Chen Yang immediately straightened his back. If the topic of the joint account just now is what President Liu cares about, then the current topic is the real topic for him.

After thinking for a while, he said with a smile, "Indeed, in recent years, real estate has appreciated too much, and it has almost become the top of all major industries. There are also various discussions about housing prices in the society. Among them, there are many housing prices that must fall. Talking about it, I think President Liu has understood all kinds of reasons and arguments, "

Liu Xiufen nodded, "Yes, the real estate industry is a very important pole in the banking sector. Of course I understand this. Then, Mr. Chen, do you think those various reasons are reasonable?"

Chen Yang said with a smile, "I think all the reasons are reasonable, otherwise no one would say it,"

Hearing this, Liu Xiufen couldn't help laughing, this little slick guy doesn't look like a young man at all,

At this time, I heard Chen Yang say again, "However, the reasons why I am optimistic about the real estate industry are not among those reasons."

"Oh?" Liu Xiufen couldn't help being a little surprised, looked at him and asked, "Then what's your reason?"

"There is only one," Chen Yang pursed his lips and smiled, then raised a finger and said, "M2!"

Anyone who has studied finance knows the concept of M2, that is, the broad money supply, which refers to the cash circulating outside the banking system plus corporate deposits, resident savings deposits, and even provident fund deposits and all other deposits, which includes all possible The form of currency that becomes the actual purchasing power usually reflects changes in social aggregate demand and the pressure state of future inflation.

Of course this Liu Xiufen also knew, but she was a little puzzled, "You mean, there is some kind of inevitable connection between M2 and housing prices?"

One is the price of commercial housing, and the other is a financial indicator related to the international people's livelihood. There is indeed a certain relationship between the two, but it may not be possible to say that M2 can determine the rise and fall of housing prices.

Chen Yang grinned and said, "It's hard for me to generalize the specific impact of M2 on housing prices, but I'll just say one thing, and President Liu should be able to understand it."

He is not afraid of blowing his mind. The earliest research on M2 and housing prices in later generations appeared around 10 years ago, which is still early. As for whether this wealth code will affect him, don’t worry about it. The market is really too big, and it doesn't matter if there are billions or billions. Besides, even without him, any bank would make a big bet in this industry. Friendship, why not do it.

Liu Xiufen immediately stretched out her hand and said solemnly, "Please tell me."

If what Chen Yang said had something to say, and it was indeed reasonable, then what he said today would most likely be priceless! Because so far, no one has interpreted housing prices from the perspective of M2.

Chen Yang said with a smile, "You can check the historical data of M2. If I remember correctly, before two thousand years ago, the growth rate of M2 was not large, and the ratio to GDP was also maintained at about 1.5. Push, between 1995 and 1990, this ratio was even below 1. At that time, the purchasing power of money was relatively stable, and there was even a period of deflation. Of course, that was to make up for the large inflation earlier. It is a last resort, but since 2000, have you noticed that the growth rate of M2 has increased rapidly, especially after 2002, this growth rate has further increased, and when did housing prices start to soar?"

Hearing this, if Liu Xiufen still doesn't understand, it's too useless to be the vice president of a big company.

After pondering for a moment, she stared at Chen Yang meaningfully, nodded slowly, and said, "It seems that Mr. Chen is about to make a fortune again!"

It's not that she hasn't paid attention to the M2 value before, but she didn't connect it with the housing price.

The data will not lie. After two thousand years, the growth of M2 value has accelerated, and housing prices have also begun to exert force. There will be so many remarks that house prices must drop,

On the other hand, the value of M2, next year according to the plan, M2 will still be enlarged. If according to what Chen Yang said, the housing price will rise and fall with the increase or decrease of M2, then it can be predicted that the 150 million real estate that Chen Yang bought today is a conservative estimate It will also increase by 20%, which is still calculated based on the market price. If he takes the negotiated price, the harvest will be even greater.

But for such a big deal, would he be stupid enough to buy it at the market price? !

Normally, 150 million yuan is enough to build a building, and with bank loans, it is enough to leverage a billion yuan real estate project! He chose not to engage in development by himself, but to be a real estate agent to buy and sell houses. Obviously, in his opinion, trading ready-made second-hand houses is likely to be more profitable than building new ones, which is why Liu Xiufen said that.

And her words also showed that she had agreed with Chen Yang's analysis.

Chen Yang smiled, acting like an ordinary newcomer in the workplace, and said to Liu Xiufen, "I just figured it out by myself, so I don't know if it's right."

In fact, most people only pay attention to the increase in housing prices, and few people pay attention to M2. However, if you compare the development trajectories of the two, you will find that the increase in housing prices almost overlaps with the increase in M2. That is to say, No matter how many times M2 has increased, the house price has risen so many times. It can be seen from this that it may not be that the house price has really risen so much. Said to be one of the best hedging assets.

After listening to Chen Yang's words, Liu Xiufen took a deep breath, swallowed a mouthful of old blood, thinking blindly? You mean that the research department of a large bank like me is not as good as you shutting the door and thinking about it alone!