Consumer God

Chapter 279 Killing Eight Birds With One Stone

Normal asset managers who deal with similar projects must desperately squeeze their own profits to meet the requirements of investors.

Better to earn less than nothing, right?
In fact, 75% of 0.5 billion is already very generous. In a year and a half, the asset management team of Sanzhong Yihua will be able to make a breakthrough for this kind of project.

Therefore, under the premise that 0.5% of the consulting fee has already been obtained, the most worry-free and labor-saving way is to pay the cost of the intermediate links to Mordu Bank.

But Han Lie did not.

When he seized the opportunity, he had to squeeze out the oil, even if he had to bear the greatest risk.

Specific to this operation, what benefits can Han Lie get?
First, an extra 1.1 million intermediary fees were abruptly squeezed out of the Jingang project.

Second, because the compensation given to Moduhang is sufficient, the intermediary fee can be collected in advance, and it is OK to mark it on the contract.

Third, a 50 billion mixed tiered fund was filled in an instant.

The direction of the new fund is the index ETF, which does not conflict with the original private equity, and is a very good profit supplement.

Non-local financial institutions don't need to think about it at all. It is impossible for them to pay attention to Gao Diaomao. His only way to survive is to borrow money from local institutions with the help of local upper-level power.

With Han Lie's income level, I can't seem to afford it? !

Two-thirds of the three major local banks in Shanghai, Shanghai Pudong Development Bank, Moyin, and Nongshang, Han Lie have already settled. To put it a bit arrogantly, it is basically equivalent to locking up all possibilities for Gao Diaomao to raise funds in local financial institutions.

"Yes."

Han Lie turned his head and looked at her with a smile in his eyes: "I'll give you a test question: Where do you think I'm going now?"

Ugh, this is embarrassing...

"The inferior part still has a share."

So it's confusing right now.

Pulling Lao Jin into the chariot, in the future, with the realization of profits, the relationship will become closer and closer. In a sense, it is equivalent to sharing his Fuda platform.

Serving the citizens is a big slogan, and serving the local aboriginals in Shanghai is a specific action tendency. Starting with the local middle-aged and elderly people, the price-performance ratio should not be low..."

This kind of resource integration ability is not dared to be written in textbooks.

Comprehensively enrich the heritage of your bank and activate the enthusiasm of local customers...

Han Lie left all the contracts and documents to Jin Yu with a smile, and got up to shake hands with him.

In Han Lie's estimation, he will use half of the fund - about 25 billion, to buy ETFs such as the CSI 300 Index.

Han Lie bowed politely, curbed his arrogance, and returned to his normal respect.

And because of today's instigation, Han Lie will formally form a feud with Lao Jin.

Lao Jin continued to ask questions: "Do you have any specific ideas?"

When your bank develops high-net-worth customers, if you sell 10 billion funds on an agency basis, you can almost issue top-level credit cards with a limit of at least 30 billion year-on-year.

"I will ask the director of the office to connect with you. On the day you succeed, I will take you into the core circle of Fuda Finance!"

On the one hand, I deeply feel that Han Lie is not a boy like a genius, and I can't help but want to trust him.

Well, it's not the kind of simple words that startle people, but a kind of tactical thinking that is highly operable and very close to reality—even though it doesn't reach the level of strategy, Han Lie said it immediately. The horse is outrageous!

The words were concise and to the point, without any hesitation, but in the end, they expressed their respect for Han Lie in another way——

而你的方案实际上等于是75亿的固定5.5%收益，再加上50亿的2%代销托管费用，以及10亿优先级的6.5%利息。

Could it be that he is not aware of the huge effect that 10 billion shares of high-quality capital-guaranteed and interest-guaranteed funds can have on the bank's market share?
No, he was very clear.

Jin Xing, I'm a layman, maybe I'm talking on paper, please correct me. "

If you are working on a project normally, don’t talk so badly. Even if you really lose money, you can just laugh it off if you don’t lose your own money.

Maybe the younger generation is ignorant? "

Fifth, the risk of the inferior part is very high, but it is also a very good opportunity to meet those non-core customers that cannot be filled by private equity, such as Lai Chenting, Jin Erjie, Cai Ye, etc.

After thinking about it for a while, I moved out the common services in later generations.

"Gold Bank, from my personal narrow perspective, I don't recommend that your bank go out and buy priority shares in person."

As a result, he was stuck in the middle of the invitation, and suddenly realized that it was presumptuous and unrealistic.

If you buy the 10 billion quota yourself, you will only make a little money.

There is a big president on the opposite side. We are just a newcomer and a kid. If we don’t stand up, how can we leave the deepest impression on others?
This is part of personal branding, and it is what you must brag about when facing important opportunities.

How are you going to thank me then?

Even if we personally buy the priority part of the fund, the final income is still 7250 million short...

Profit is of course important and is the ultimate pursuit of all of us financial people. However, your bank is rooted in Shanghai and is fighting hand-to-hand with dozens of national banks in the financial center. The real top priority should not be pure profit.

"Ha ha!"

Although Han Lie felt that Lao Jin was a bit "not doing his job properly", he had to answer.

Is this attitude enough? ! "

As long as your bank buys about 5000 million inferior shares, I am absolutely sure to make up for all the losses of your bank.

"100 billion out, 6.5% annual interest, this is my bottom line.

——Isn't he the age of a child?

Jin Yu looked at Han Lie with piercing eyes, shouting for an explanation, but actually full of expectation.

He just took one more shot as usual, and wanted to push Han Lie one more time.

It's not that he's not smart enough, it's that Han Lie hides too deeply.

There is another 50 billion-scale fund, and I bought an index ETF and threw it there, so I don’t have to worry about it.

On the one hand, I feel that it is too risky to buy inferior power amplifiers with my own funds.

Lao Jin pondered for a long time, and said frankly: "In the beginning, my idea was to increase the loan interest to SAIC, for example, to 5.2%, and then let the SAIC Finance Department eat up the Jingang project at a price of 6%... "

Han Lie continued to speak, and added a little body movement.

Combine vertically and horizontally, use one project to catch all relevant parties, everyone can find their own position in it, and get unexpected returns.

5000 million is actually quite conservative.

Han Lie smiled without saying a word, listening patiently.

However, so far, I haven't seen any obvious achievements in your bank's 'wealth management'.

The remaining 25 billion cash in the graded fund is a hidden killer.

In the next two years, many people will be able to make money from the market, but it is impossible for them to make more and more stable money than me.

Sixth, the expected profit of the inferior part of the new fund is very high, which can [-]% push Lao Xing to the throne of the chairman of the financial holding company.

Yes, I can forcefully push the project to the ground, but the work cannot be so simple and rude, I need a stronger reason to get the entire management to agree..."

"Grateful!"

Lao Jin slapped his hands hard, and finally couldn't control the excitement that had no place to rest.

Only the current plan can use every ounce of his energy to the limit.

After struggling for a moment, Lao Jin asked questions slowly, questioning very skillfully.

Moreover, if we switch to PMC to invest in wealth management products, there will be a lot of cost in itself, and the actual gap may reach 1 million. Mr. Han, how do you explain? "

Logically speaking, for Modu Bank, the most worry-free way is to forcibly squeeze Han Lie's profits and directly increase the income from the table.

Now, it just depends on whether President Jin is willing to take a gamble with the younger generation..."

Lao Jin was stunned for two blinks, and finally made a decision——

At the critical moment, no matter which sub-branch the 25 billion is spent on, the president will definitely be willing to do a little favor for Brother Lie - to withdraw the high-quality loan in advance.

That's what Shanghai Pudong Development Bank did. It directly gave Han Lie a fixed income, so he could do his job, but he couldn't be dragged down.

"Then you stay, goodbye!"

Lao Jin not only shook hands with Han Lie vigorously, but even patted the back of Han Lie's hand twice with his left hand, which was very kind.

Eighth, maximize your influence in multiple fields.

There is only one last step away from winning fame and fortune and becoming a god!
"Boss, where are we going?"

Han Lie nodded heavily, strengthening the output of his tone.

Can the development problems that Kegui Bank is facing can be solved by a mere tens of millions of profits?
I don't think so.

Liang Wu asked a question at the right time.

The simplified operation plan is really worry-free and does not need to take risks, but it would be too much of a waste of the various resources and abilities that Han Lie currently possesses.

At the same time, there is enough space to attract those non-core contacts and expand the relationship network dramatically.

"Snapped!"

Have you ever worked in any bank for even one day?

"Okay, according to your plan, I will bet with you!"

However, as long as he can approve the first half of Han Lie's plan, brother lie's plan will be considered a complete success.

Take it out, how many activities can be carried out, how much added value will be generated, and how much long-term impact will it cause? !

Smiling and shaking his head, Lao Jin asked with great interest: "So, Mr. Han thinks, this 10 billion share should be used to attract high-net-worth clients and build up our wealth management reputation?"

In fact, Lao Jin has already surrendered.

4.125+1+0.65=5.775 million.

"Mr. Han is quick to talk... Yes, our wealth management is not good enough, and there are not many high-value products..."

Lao Jin paused for a while, and suddenly asked an irrelevant question: "So, Mr. Han thinks our bank should focus on local customers?"

But now, Lao Jin hesitated.

How old is Han Lie?
What is it for?

Fortunately, Han Lie didn't make excuses, just smiled, pretending he didn't hear it.

'Focus on cultivating and shaping operating characteristics in the fields of small and medium-sized enterprises, wealth management and pension finance, financial markets, cross-border finance, and online finance, and continuously enhance sustainable development capabilities. '

"For example, the 'binding of medical insurance and social security with bank cards and fast payment' which is dedicated to serving citizens, such as sporadic medical expense reimbursement, sunshine wages and other batch payment projects, as well as all-round wealth management services that can be carried out following this fund agency sale, etc. ...

The price is really not as simple as losing some money.

At that time, Ma Yundong and Rebs were more powerful than each other, but everyone knew that they did a good job, so they became legends.

Now, Han Lie's pre-judgment blocked him in advance, and the big net was completely formed.

What if you keep the 10 billion and use it elsewhere?It also generates profits.

Flying close to your face, you are so fierce!

"Mr. Han, are you interested in following me..."

Lao Jin slowed down for a moment, regained his sanity, and then continued the original topic.

"Similar opportunities don't come around very often. Compared with a mere 5000 million profit, building word of mouth and cultivating customer loyalty will have significantly higher long-term benefits.

If he fails, the entire Fuda financial circle will reject him, ridicule him, attack him, and promote his ridiculousness.

He is looking forward to a different answer. It is not necessary to make money, but there must be enough room for imagination.

Although Jin Yu is a financial expert, he himself does not participate in the secondary market - finance ≠ stocks.

Mr. Han, what do you mean by financial hackers?
Introducing yes!
To be honest, no matter how Han Lie can integrate the resources in the end, anyway, judging from the current situation, there are only three words that can describe it - winning numb!

Once it is made by Han Lie, one can imagine what kind of scenery it will be.

"I can understand your confidence, and please understand my embarrassment. Teacher Han, I don't ask why you are so convinced that you will succeed. I just need a deeper reason to strengthen my confidence..."

I correct a fart!
Lao Jin's fingertips trembled, shocking inexplicably.

After all the calculations before, how much is the total loss of the magic city?
As long as they dare to buy 1000 million shares, it is basically enough to make up the price difference.

This answer is correct.

Look, another wave of favors have been sold out...

Lao Jin really couldn't bear it.

The little assistant pondered for a while, then asked uncertainly, "To SAIC headquarters?"

So Han Lie replied leisurely: "SAIC Lao Xing, who is about to buy at least 10 billion inferior grades, is my good friend, and I can be in today's situation precisely because I never let my friends down.

Psychology is good at grasping human nature, marketing is good at discovering needs, and the magical skill of flickering can combine the two to make a precise and direct attack.

It's a bit convoluted, but it's actually not difficult to understand.

In fact, Han Lie really didn't take any risks - why didn't he pretend to be a winning gamble?
too arrogant?
Crazy is right!

Han Lie's level 4 posture skills are really rogue.

Jin Yu used his solid performance and ability to get to where he is today. He has seen many crazy people, but he has never seen a "kid" who is more crazy than Han Lie.

Many people will walk with me firmly because of this.

Han Lie froze for a moment, then nodded immediately.

"Mr. Han, your idea is reasonable, but even so, there is still a gap in actual income.

President Jin was stunned for a moment, and then laughed to cover up his embarrassment.

He didn't mention whether he wanted to buy a second-tier queen. This kind of thing obviously needs to be considered again.

No, now that you have become famous and have a lot of money, do you deserve to work so hard? !

"Oh?"

What Han Lie meant was: Not only can you buy my fund yourself, but you can also mobilize your relatives and friends to buy it together. I will bet on your future, and I will win the bet!

Han Lie spoke solemnly and calmly.

And Lao Jin couldn't think so far.

I met several beauties along the way and didn't have a chance to flirt, but Brother Lie was full of excitement and hidden his excitement.

Therefore, on the day when the 50 billion graded fund is due to be liquidated, the net value must be above 3.

But don't be like Jia next week, those who only brag but don't deliver will end up leaving the stage sadly and living in a foreign land.

Is it your consistent development path?
The concept of sustainable development is very good, and it is also a correct strategy to avoid direct and strong competition with big banks.

But it was this kid who dared to use such a decisive way to strengthen his confidence.

I have read several of your speeches before coming here, and I have also studied the development ideas of your bank.

And we can do the math—

"Mr. Han is so proficient in our bank's business?!"

"Yes, the locals—especially the locals in Lao Li Nong in the old community—are more likely to spread their influence to a deeper level by targeting them, and have the effect of spending a penny to do five cents."

When he started to think along Han Lie's train of thought, the ending was already doomed.

"Jin Xing, you're busy with your affairs, so I'll make the preparations first?"

Going out, greeted Geng Tong, the director of the office, and went downstairs to the car under his escort.

Once he really lost money, Lao Jin would definitely be disgraced and hurt.

The intermediary fee was secured, and the consumption fee skyrocketed by [-] million.

He didn't understand, but was shocked.

Seventh, part of the new fund can be used for bank fixed deposits, purchase of government bonds, and purchase of corporate bonds. It is a very good PY trading chip.

Han Lie's thousands of layers of routines, it is true that he can apply what he has learned, and he uses it very well...

Han Lie laughed heartily, waved his hand and told Cheng Shi, "Go back to the company!"

How to understand?

Fourth, the priority part of the fund must not worry about selling. It is a favor to anyone, and there is a lot of room for manipulation, so Lao Jin wants to accept Han Lie's affection instead.

President Jin doesn't need to believe the big words of the younger generation, but if you are willing to believe in the eyes of Mr. Xing, Pufa Huangxing and others, then you can go and buy some shares of the inferior class yourself.

Lao Jin was immediately dumbfounded.

Han Lie replied lightly: "On the official document, I will not make any promises about the benefits, but today we are communicating in private, so I am willing to confess my personal prediction to you——

Your relatives, friends, and particularly valued customers can all persuade you.

Leverage can be increased to two to three times, and the final absolute return should exceed 25% of 400 billion, which is a net profit of 100 billion.

Enough is enough, enough is enough!

"Look, the priority is only 10 billion yuan left, and your bank borrows money to invest in it. Counting the messy costs, it can leave a net profit of about 5000 million yuan at most.

Stock-type private equity is Han Lie's key product, and it is only open to core contacts, but those non-core customers are also valuable.

What the hell!

Your bank transferred out 10 billion of its own funds, and actually made a profit of 5000 million. It competed with its own customers for profit, and the income was single and narrow.

The interest in Jin Yu's heart suddenly rose to the highest level, and his tense body relaxed a little.

But Han Lie's current statement is equivalent to throwing himself on the gambling table, if he fails, he will be benevolent!

"Okay, happy cooperation!"

5000 million shares, after deducting the management fee and profit accrual, you can get back at least 1.2 million, and the profit is 7000 million, more than double.

Then, with a smirk, he raised his eyebrows at Dalizi: "Call Boss Xing for me later... Is it impolite for him not to come to visit me for such a big good thing?"

yes, is it? !

Liang Wu felt dizzy.

I'm a bit confused, this matter... Who is begging whom?

********
(End of this chapter)