I have ten trillion licking dog gold

Chapter 1289 Please give me a monthly ticket!

After the meal, Xue Shuzhi and his wife left first. After all, such a big thing required them to quit their jobs of several decades and change their lifestyle, so they definitely needed to think carefully and discuss it carefully.

Xue Mingqin also wanted to go back, but was forcibly dragged down by Zou Luoxia and forced to go for a walk in the nearby square.

also.

A rare reunion time.

The family hasn't walked together for a long time.

"Sister. Do you think Xiaozhi and the others should think about having children this time?"

Zou Luoxia held Xue Mingqin's arm. Other sisters-in-law might dislike each other, but the two of them were very harmonious and uniquely intimate.

"What did Xiaozhi tell you?"

Hearing this, Xue Gui didn't bother to be angry with his wife and asked immediately.

As an older brother, how could he not care about his younger sister who is already 40 years old and still has no children? It's just that he couldn't bring it up in front of his younger sister and brother-in-law.

"No, I guessed."

Zou Luoxia's temper comes and goes quickly. Perhaps it's because she has lived for most of her life and has become accustomed to this way of getting along with others.

If two people really take everything seriously and nitpick, it is impossible for them to spend half their lives together.

"Guess?"

Xue Gui was overjoyed, "Why do you guess so?"

"Why do you think Xiaozhi and her friends don't want to have children? Their conditions were better than ours before."

Zou Luoxia asked back.

As a new first-tier city, Qindao is not as crowded as Kyoto or as extravagant as Donghai, but it is equally lively. In addition, Shinan is the most economically developed area, with complete public facilities and beautiful scenery. Many citizens come out to the square for a walk after dinner.

of course.

There is definitely no shortage of aunties performing square dances with Chinese characteristics.

"I'm waiting for you to come back here~waiting for you to come back~to see the peach blossoms bloom~~"

"how could I know."

Amid the loud square dance music, Xue Gui replied without hesitation.

"Xiaozhi and Chairong work in good companies and have annual physical examinations. There is nothing wrong with their health."

"What nonsense."

Xue Gui scolded his wife for her outspokenness, while his daughter and niece were listening from behind. Fortunately, Xiao Liu and Xiao Jiang were chatting and were at a distance.

"What's there to hide? The children are all adults now. Ruirui and Lili are more educated. Many of them didn't go to college, but they have children at their age."

Zou Luoxia said disapprovingly, "Aren't you right, sister?"

Sister Li Shurui followed their elders silently.

"Luoxia, why do you think Xiaozhi is willing to have a baby?"

Not only Xue Gui cares, but as the eldest sister, Xue Mingqin must care just as much.

"Sister, to answer this question, we must first analyze why Xiaozhi has always been unwilling to have children. I think it's because their previous lives were too comfortable and lacked passion. To use the words of today's young people, they are more Buddhist. Think about it, they work in state-owned enterprises, so they will definitely not worry about food and clothing for the rest of their lives. The state will support them after retirement, so they don't have to worry about their future. At the same time, they have no chance of promotion. Chai Rong is a person who has no desires or demands. He has no interest in cigarettes or alcohol. If there is no social event at the company, he will probably go home after get off work. Such a life is likely to lead to a problem..."

"what is the problem?"

Xue Mingqin asked subconsciously.

“You won’t find the meaning of life.”

As expected of a person whose signature is "Romantic Until Death", although Zou Luoxia's hair has some white hair, her mentality is quite young and fashionable. Holding her aunt's arm, she said confidently: "This is how it is in the system. Although Xiaozhi is the youngest, her heart may be older than the rest of us. The work is repetitive and the life is stagnant. When you fall into this state of low desire, it is easy for you to become numb, content with the status quo, gradually get used to it, and think that life should be like this, and you are unwilling to make any changes.

Look at the main force of having children nowadays, either rich people or poor people. "

"Mom, since when did you start caring about this kind of thing?"

Xue Yali couldn't help but speak.

"The country is calling for this every day. Even illegitimate children have been legalized. Who doesn't know this?"

Zou Luoxia said: "So if you want Xiaozhi to think about having children, you have to disrupt her current living situation. For example, if she gets rich, she will definitely think about what to do with her money in the future. There must be someone to inherit it."

No one laughed.

Even Xue Gui seemed to be thinking about something.

Rough words are not rough.

Although this woman always likes to make trouble and act unreasonably, I have to admit that what she said just now makes some sense.

"Rui Rui, this time it's up to you. Whether your aunt will be a DINK depends on whether you can convince her."

Zou Luoxia turned around and said, "Who knows, maybe your brother or sister will be able to play with your child by then."

Xue Gui didn't understand at first, but after a while he figured out the meaning.

You don’t act like an elder at all!
"Rui Rui, don't listen to your aunt's nonsense..."

"I am talking nonsense. If Xiaozhi really changes her mind, how long will it take for her to have a baby?"

Xue Mingqin felt a little embarrassed, "Luoxia, it's too early to talk about this now."

"Sister, it's getting late. I've read that the best childbearing age for women is before the age of 25. Ruirui is about two years older now, right?"

As she spoke, she lowered her voice and glanced at the two young juniors who were communicating behind her.

"Rui Rui, do you know what the most effective way to capture a man is? It's not his stomach, but his children. The more successful a man is, the more temptations he will face. If you give birth to a child for him, your bargaining chip will be greatly increased..."

"Is that how you teach your children?"

Xue Gui stopped him.

"I am telling the truth."

Zou Luoxia was not excited this time. At her age, she still puts on makeup when she goes out. She said seriously: "This is not a calculation. On the contrary, this is to make the life of both of us better. As long as time goes by, there will definitely be friction and various problems when two people get along with each other. Children are the strongest bond to prevent the expansion of conflicts."

Xue Gui opened his mouth, but was speechless.

Xue Mingqin looked at her sister-in-law in silence, with a strange look in her eyes, as if she had just gotten to know her again.

"Mom, you worry so much. Do I need you to nag me?"

"Rui Rui doesn't need my nagging, what about you? People in foreign countries are much more open than here. I heard that girls in foreign countries are more proactive than each other."

Zou Luoxia worked so hard to talk so much, it was definitely not just for her niece to hear.

"Besides, there are more temptations for people working in finance..."

Xue Yali smiled bitterly, "Mom, this has nothing to do with the industry, it's a human problem. Even teachers can mess up."

"Anyway, just be careful."

Zou Luoxia said meaningfully.

My aunt and niece are here, so I can’t be too explicit.

behind.

About ten meters away.

The two men who are likely to become brothers-in-law are unaware that the elders of the Xue family are teaching them how to control their husbands. They are walking in the square of Qindao and discussing a cross-border cooperation.

"The international situation is extremely tense now. Shenzhou has become the number one imaginary enemy of the Western world..."

Liu Hongzhi adjusted his glasses.

It certainly wasn't a coincidence that he and Jiang Chen came to Qin Island at the same time.

"The West has never relaxed its vigilance against China. Now it is only intensifying its vigilance."

Jiang Chen looked calm and said calmly: "No matter how determined the attitude of Western governments is, capital will not be subject to political control. Shenzhou has always been the most credible country on the planet." Liu Hongzhi certainly acknowledged this fact.

He knew very well how much China's assets were favored by Western capital.

It is an indisputable truth that capital pursues profits, but it is unrealistic to say that it is not affected by politics at all.

The Western world's joint suppression of China has certainly had an impact, and it's a significant one.

for example.

If the world were at peace, the financial products derived from the mortgage loans of Chinese people would definitely be in short supply when placed abroad, and there would be no need to worry about no one buying them.

of course.

There must still be people willing to pay for it now.

Capital will be constrained by power, but it will only be constrained.

The inherent nature of capital determines its borderless nature.

Taking advantage of the financial storm caused by Jiang Chen's last hunting in Paris, Liu Hongzhi, not to mention soaring to the sky, still took advantage of this momentum to jump several levels and entered the world's undisputed overlord BlackRock, which is incomparable to the private equity manager on Wall Street.

What he was worried about was not his ability to find a buyer, but another issue.

“What if a malicious run occurs?”

He looked at Jiang Chen concisely.

It's not difficult to sell.

The hard part is what happens after it’s sold.

Smart people are smart people, and they can point out the huge risks involved at a glance.

It is not difficult to package and sell the mortgage.

But how can we guarantee that overseas capital will not collude to set up a scheme?

Just as Liu Hongzhi said.

Malicious bank run!

In fact, the nature of this business, in the final analysis, is that Jiang Chen is a middleman, who treats the mortgage contracts signed by Shenzhou home buyers as IOUs, sells them to foreign capital, and then uses the money from foreign capital to lend to home buyers as house payments.

Homebuyers pay him interest, and he pays interest to foreign capital.

Banks are actually doing the same business. They are middlemen, and their profit lies in the difference between the interest rates on both sides.

But there is a very critical issue.

Homebuyers will need decades to repay their mortgages, which means that the money Jiang Chen raised from overseas capital did not remain in his own pocket, but went into the pockets of major developers. What he needs to wait for is for homebuyers to repay their loans month by month.

If overseas capital is also willing to make a steady flow of capital and collect interest on time, then it will be good for you, me and everyone.

But what if those buyers are impatient?
Or maybe we have discovered a project that is more worthy of investment.

You have to know that the money Jiang Chen got in exchange for the mortgage contract was essentially borrowed. Just like the home buyers need to repay the loan to him, he also needs to repay the overseas capital.

If by some coincidence one day, the buyers come together and would rather not have to pay interest than not get their money back.

What should he do?
On the other hand, are we also asking domestic home buyers to pay off decades of loans in advance?
There is no doubt that once this happens, he will be forced to become the second Hang Seng Properties, or even worse than Hang Seng Properties!

As someone whose job is to manage money, Liu Hongzhi must sort out the possible risks of any financial project.

In his judgment, there is definitely a chance of a malicious run on the bank.

Times are different now.

It coincides with a major change that has not been seen in a century.

The dark forest of the world gradually reveals its true face.

Never have expectations on anyone.

Japan’s painful lessons are at hand.

The only insurance against any eventuality is that the "middleman" has a sufficient pool of funds to withstand a malicious run if it occurs.

But if you really have such strength, why bother to be a middleman and share the profits with others?
Wouldn’t it be nice to eat this cake yourself?
China's strong credit comes from the collective strength of more than one billion people.

There is no doubt that the people of Shenzhou are definitely the most law-abiding people on the planet. If they are not desperate, defaulting on payments will never happen. Therefore, in the eyes of any financial person, holding a mortgage contract with the people of Shenzhou would be a stable investment with almost zero risk, except that the rate of return is not that high and the cycle is longer.

Therefore, Liu Hongzhi is not worried at all about whether he can find a market abroad.

This cooperation is a sure win for him, and it will help his career and life take another leap forward. Even if something unexpected happens, he won't have to bear the consequences.

In this situation, he still chose to bring it up, proving that he was really considering Jiang Chen.

"If that happens, we have ways to deal with it."

Jiang Chen was calm and composed. He did not give a specific solution, but he was full of confidence.

Of course, Liu Hongzhi couldn't be so ignorant as to ask further questions.

In transactions of this magnitude, the state is definitely involved.

Ask again.

That involves state secrets.

Just like his job, he is only responsible for explaining the possible risks to the clients, and it is the clients' right to make the decision.

"I will do my best."

He made the assurance solemnly.

"What are you whispering to your brother-in-law about?"

Xue Yali, who was walking in front, stopped and was caught up by them.

Jiang Chen looked up and saw that Li Shurui and the Xue family had stopped and were waiting in front with smiles on their faces.

What should we pursue in our life?
"We didn't talk about anything. We just said that you bought a house in Qindao and you should remember to come back more often in the future."

Jiang Chen said with a smile.

"The same goes for my brother-in-law. Don't throw all the responsibility onto my uncle."

Xue Yali tilted her head and smiled playfully.

"of course not."

Jiang Chen smiled.

"Mr. Jiang has a heavy responsibility on his shoulders."

"A united front so soon?"

Xue Yali looked at her boyfriend in pretended surprise.

"Of course. Mr. Jiang and I are from different families. If we don't unite, won't we be bullied?"

Liu Hongzhi held his girlfriend's hand.

do not forget.

Financial practitioners have always been eloquent.