From South China Tiger to NBA King

Chapter 146 Citibank loan, big A here I come.

At 12 pm on December 23, Sofia left Boston and returned to Los Angeles.

It's almost New Year's Day in America—Christmas.

Sophia had to go back to Los Angeles, back to her parents, to accompany them for the holiday.

Although Jianghu is somewhat reluctant, it is impossible to force others to stay by their side.

At the airport, Sophia was still hugging Jianghu tightly, reluctant to part, and unwilling to part.

"Okay, if you carry on, the plane will be delayed soon."

Jiang Hu smiled and patted Sophia on the back, signaling her to register quickly.

Hearing Jianghu's persuasion, Sophia not only did not let go of her tight arms, but hugged her even tighter, and kept murmuring:

"I can't bear you, I don't want to go back to Los Angeles, why don't I stay here with you for Christmas."

Looking at Sophia who is as clingy as a little girl, Jianghu is also a little helpless.

Jianghu was born in 98, and Sophia was born in 96. Shouldn't this be a sister-brother relationship?How could this sister who was two years older than her look like her own daughter?

Maybe this is what it feels like to be loved.

Jianghu had never experienced it in his previous life, but this is the first time he experienced this feeling in his life, and Jianghu felt that it was not bad.

"Be obedient, go home first!!"

Jianghu rubbed Sophia's head, smelled her fragrant hair, and said with a smile:

"Wait until the Chinese New Year, come and spend the New Year with me again."

"At that time, I will cook for you myself, and let you experience the Chinese food I made by myself, the non-spicy kind!!"

"Go~"

After talking about Jianghu, he forced Sophia to board the plane.

Looking at her reluctantly looking back, Jiang Hu still kept smiling. Although the smile was fake, no one could see it.

He is actually a person who doesn't like parting. Compared with the sadness of parting, he still prefers the happiness of reunion.

He hates bothering people and being bothered by others, and if it wasn't Sophia but someone else, he wouldn't even come to the airport to see him off.

After watching Sophia get on the plane, Jiang Hu quickly turned around and returned to the car.

The love between children is always short-lived. When they get together, Jianghu can fully enjoy the relationship and atmosphere. After leaving, he can quickly withdraw from this atmosphere and emotions and focus on doing his own things.

Although there is no competition recently, for Jianghu, there are more important things than competition during this period.

Today's Bitcoin market is full of enthusiasm, and it is a good time for Jianghu to withdraw the Bitcoins bought in the first two batches.

However, if he simply sells directly at the current price, he will definitely not be able to withdraw it all safely, so he needs a sum of money and some news to stimulate the Bitcoin market, push the price up, and wait until the market enthusiasm explodes. Only then will I have a chance to leave in style.

Therefore, Jianghu needs a sum of money at this stage to complete his plan, and getting a loan from a bank is his best choice.

Boston is the financial, commercial, educational and cultural center of the United States. As one of the global financial centers, its banking industry has also developed rapidly during the economic take-off of the United States.

In Boston, there are five most representative banks, Bank of America, Citibank, Wells Fargo, HSBC and China Merchants Bank.

Jiang Hu didn't go home immediately, but drove directly to Citibank in the center of Boston with his various contracts and identification documents.

Citibank's main predecessor was the "City Bank of New York" (City Bank of New York) established on June 1812, 6. After nearly two centuries of development and mergers and acquisitions, it has become one of the largest banks in the United States and a global bank. A major international bank with branches in nearly 16 countries and regions, headquartered at 150 Park Avenue, New York City.

Citigroup is recognized as one of the most successful financial service groups in the world, not only because it has continuously occupied a leading position among the companies with the highest profitability and growth rate in the global financial service industry, but also because it is the financial service company with the highest degree of globalization in the world. chain company.

Citigroup serves more than 100 million customers in more than 2 countries. Every customer can get savings, credit, securities, insurance, trust, funds, financial consulting, asset management and other comprehensive financial services at any of Citigroup's business outlets. Services, the average number of products per customer ranks first among global peer companies.

Since Jianghu came to the United States, he has always used the bank card of Citibank.

The reason why Citibank is used is because this bank is most suitable for the operation of Jianghu.

With branches and ATMs all over the world, Citibank is a truly global bank with multi-currency accounts and no foreign exchange control.Citigroup's unique Global Money Transfer (CGT) can realize the function of free transfer and instant transfer.

Jianghu's account can be deposited into USD, HKD, RMB, SGD, etc. as many as 10 account currencies, and also enjoys preferential deposit interest rates.It is a very good choice for the arena of stock and currency speculation.

At this point, Citibank is a digital currency friendly bank.Check with the Citibank official that all legal digital currency exchanges are able to enter and exit.

Since Citibank is a U.S. dollar transit bank, Citibank can trade U.S. dollars faster than other banks. Other banks usually take three days to remit U.S. dollars cross-border, while Citibank only takes one day at the fastest.

In addition, Citibank has unlimited transfers and wire transfers. For users who need to enter and exit large amounts of overseas funds, Citibank is currently the only bank with zero limits among all cross-border banks.

Its online banking interface is also very simple.You can manage wealth and investment at the same time with a single login through Citibank Online.

However, the amount Jianghu wants to borrow this time is not small, reaching hundreds of millions of dollars. This kind of business must be handled offline in person, and the video processing people will ignore you at all.

The Boston branch is one of the three largest branches in the world except the New York head office, and the other two are in Los Angeles and London.

In expensive downtown Boston, Citibank has its own exclusive 19-story building.

After Jiang Hu drove to the bank, he immediately attracted the attention of many people.

Even though it was 6pm, there were still the last customers in the bank.

After all, the 19-story building is here, so it is unrealistic for them to only do business for 8 hours a day.

花旗银行的5楼到19楼每天只有8小时上班，但一楼到四楼也就是业务最多的地方，从周一到周五每天营业时间是早上8点到晚上8点，足足12个小时。

It's just that they are on a shift system, and the working hours of employees are still 8 hours.

This is Boston, home of the Boston Celtics, and of course there will be plenty of fans.

Even though Jiang Hu was wearing a hat and sunglasses, he was quickly recognized as soon as he entered the bank.

But this is Citibank, and the people who open an account here are basically not short of money. Therefore, these fans who met Jianghu did not exaggerate too excitedly. They just took photos with Jianghu and asked for their autographs, and then left quickly.

When Jiang Hu came to the fourth floor of Citibank and explained his identity to the bank manager, he was immediately received at the highest level.

"Hello, Jiang, I'm Ferguson, the vice president of this bank. I'm very glad that you can come to handle the business in person. I'm your fan. Our family likes your game very much!!"

The vice president of the bank, Ferguson, who was wearing an expensive suit, came to receive him in person. From afar, with a flattering smile, he stretched out his right hand to Jianghu, with a respectful and obedient attitude.

Such a flattering old white man, you can never associate him with the four words of racial discrimination.

In fact, Boston is indeed one of the most racially discriminatory places in the United States, but most of them are white people who discriminate against black people, especially the red necks at the bottom, who hate black people even more, but in fact, white people treat Asians well.

Because Asians generally do not have a high sense of presence, and most of them are diligent in their own careers. Generally, they seldom do a lot of shit all day long like black people, protesting this today and protesting that tomorrow.

Not to mention the Asians who are at the top of the race in terms of social status, wealth and influence. They are afraid that they will impress them with racial discrimination.

"You're welcome, Mr. President, it is my honor to communicate with you."

Jiang Hu also stretched out his hand, with a smile on his face, very polite.

When you go out, don't reach out to hit people with smiling faces. This sentence is also common even in a capitalist society like the United States.

"You must already know the purpose of my visit this time, right?"

Ferguson said with a smile on his face: "Of course, I have finished my work today. If it wasn't for waiting for you, I would have gone home to watch the game at this time!!"

Jiang Hu said with a smile: "That's really embarrassing, I kept you waiting for so long!!"

"It's okay, it's okay, you are the hope of Boston's revival, it's my honor to wait for you!!"

"Come with me!!"

Jianghu followed Ferguson to the largest living room, and the two sat on the sofa and talked about today's business.

In fact, Jianghu has already made an appointment on the Internet to handle the loan business before, and this time the interview is actually just a process.

Jianghu used his shares in the beverage company as collateral, and told Ferguson that the purpose of the loan was for investment, and that it was to invest in Apple's stock, Ferguson quickly agreed to his application.

One hundred million US dollars, an amount of money that ordinary people can't imagine in a few lifetimes, was transferred to Jianghu's account in a few conversations with the vice president of Citibank
Even the various identity certificates and materials of Jianghu, as well as the agreement for the shares of his own beverage company, Ferguson only took a few symbolic glances, and then hurriedly settled down. Jianghu sat there for about 5/6 minutes, and then closed Received a text message for the bank balance.

For a loan of 3 million U.S. dollars for 4.2 years, the annual interest rate is only 2%, and the repayment can only be made one year in advance at most. Pay interest for 840 years, that is - $[-] million.

Does this interest rate seem high?

But in fact, it is actually very low.

The highest loan interest rate of the world's major banks is what happened to Citigroup during the Great Depression in the United States. The highest loan interest rate once reached a terrifying 66%. This interest rate is still the highest in the history of the world's major banks.

4.2% loan interest, which is almost the highest level of treatment. You must know that the mortgage interest rate in the United States is about 4.5%, but the loan interest rate in Jianghu is even lower than this.

The reason why Citibank gave the money to Jianghu so happily is because they are not afraid that Jianghu will not be able to repay the loan.

The Jianghu has always used Citibank, and they know exactly where the money in the Jianghu is going. The money in the Jianghu has not been gambled or spent indiscriminately, but has flowed to the capital market, so there is nothing to worry about.

And according to their special prediction and analysis on Jianghu, if Jianghu remains healthy and has played in the NBA for about 15 years, his career salary will not be less than 6 million US dollars according to the NBA salary cap increase.

Coupled with his Chinese background and various business contracts, Jianghu's future income may reach 15 billion US dollars in the next 15 years.

What is $15 million against $1 billion? ?

Ferguson even hopes that Jianghu can borrow more, preferably with a larger amount and a longer term. If Jianghu can borrow 3 million US dollars from them and extend the term to 5 years, they can even charge only 2.5% of the loan interest rate.

But Jianghu finally shook his head and rejected Ferguson's suggestion.

He can't say well about the future situation, but at least for the moment, $1 million is enough for him to stir things up.

After leaving the bank, Jianghu immediately called his agent Schwartz.

As soon as the phone was connected, Jiang Hu asked:

"I asked you last time if you have any influential friends in the financial field. Do you still have contact with the person I mentioned?"

The relationship between Jianghu and Schwartz is comrades-in-arms and partners. It is no secret that he invested in Bitcoin and the Chinese stock market. Someone will know in the future, and Schwartz will naturally know it a long time ago.

When the two were chatting, when it came to Bitcoin, Jianghu remembered that Schwartz once mentioned a person who was an important promoter of digital currency. The rise of Bitcoin later has a lot to do with the continuous brainwashing of this group of people.

Schwartz recalled for a while, then replied:
"You mean Michael Saylor? Of course, we've been in touch and had a party together last month."

Jianghu said happily:
"Yes, it's him. I think you need to help me with a few things. I'll send you 500 million yuan. You can help me get him out and let him release some news. Yours, when I treat you to dinner!!"

Schwartz responded excitedly: "Okay, no problem, I'll do it right away!!"

Hearing what Jianghu asked to release, Schwartz agreed without even thinking about it. The reason why he agreed so happily was that the things Jianghu explained did not cost as much as 500 million U.S. dollars, and he was able to keep it. A lot of money is pure profit.

After hanging up the phone and remitting the money to Schwartz's account, Jiang Hu felt relieved.

For spending $500 million, Jianghu has no heartache at all. As long as Schwartz can do things with peace of mind this time and make Jianghu's plan succeed, $500 million is not a big deal at all.

As long as the plan is successfully executed, it only takes an hour or two for Jianghu to make dozens of five million dollars back.

Driving back home, Jiang Hu couldn't wait to stop the car at the door, gave the key to the Filipino maid at home, and then couldn't wait to go back to the bedroom.

I checked my phone, it was still early, it was only 9 o'clock in the evening.

Jianghu turned on the computer immediately, and at the same time connected to the domestic network with the help of a certain wall climbing software.

I opened my own Flush platform. At this time, the BJ time will be 9:15 in the morning, which is the time for the call auction before the big A opens.

Jianghu points to open its own stock, GigaDevice 603986·sh.

Holding target: GigaDevice 603986.

Number of shares held: 5941700 shares

Average transaction price: 35 yuan

Current market price: 73.6 yuan

Market value of positions: 43731 yuan
Profit and loss of the day: +3179 million yuan (+7.85%)

Floating profit and loss: +22931 million yuan (+110%)

Jianghu has purchased GigaDevice twice. The first purchase price was 26 yuan, which was 400 million US dollars. About 2800 million yuan bought 10769 lots. The second purchase price was 37 yuan. Jianghu spent 2500 million US dollars. About 1.8 million yuan bought 48648 lots.

The recent increase of GigaDevice has been very good. The opening price of the previous trading day was 68.25 yuan, the increase of the previous trading day was 7.85%, and the closing price was 73.6 yuan.

In the second half of 2017 and 2018, the semiconductor market has begun to rise, not to mention leading semiconductor companies such as GigaDevice.

However, Jianghu remembers that the market of GigaDevice has only been in the past few days, and it will plummet in the later period, and it will return to hovering around 30. The only ones who suffer are those hard-pressed retail investors who take orders from high positions.

Only a small number of retail investors withstood the pressure and firmly believed in the future prospects of semiconductor chips.

By the time [GigaDevice] shot up again and its stock price reached over 200, the corpses of most retail investors would have already rotted and stinked.

Time passed slowly, and it was 9:15 in a blink of an eye. Jianghu took a look at the opening bid of GigaDevice, and it opened 4.5% higher, and it is still rising.

During the call auction stage, Jianghu has been focusing on the changes in the bidding. At 9:25, the result of the call auction came out. It opened at a price of 78.38, an increase of 6.5%.

As soon as the market opened, Jianghu set a limit price of 66.24 yuan to sell 1 lots, successfully allowing this potential stock to start sideways at the moment the market opened.

Two minutes later, the chips in Jianghu were emptied one after another, and 2 hands is not considered a super big order. After all, the daily turnover of GigaDevice is about 10000 hands.

However, Jianghu keenly found that the inflow of funds on the market was not right. Only retail investors were entering, but the main funds were running away. Yesterday at 8 points, today there was no daily limit and the opening was already weak. The rapid rise was just yesterday’s relay funds. Self-rescue behavior, after getting rid of the set, it will fall down.

The short-term market of this stock is similar, without the main force to pull up, it is impossible to rely on a group of retail investors to get out of the high-standard market.

Sure enough, Jianghu's behavior of smashing the market immediately after the opening made GigaDevice start to dive directly after a while, from +6.5% to +2% quickly, and it is still testing the water, and a large amount of funds are also fleeing with the trend .

There are more than 4 hands left in Jianghu's hands, but he is not panic at all.

One is that he has more than doubled the profit, and no matter how he withdraws, it will not hurt the principal of Jianghu. The other is that those funds that only came in yesterday will be willing to run at the limit price today?
Obviously impossible, there must be a surge in the follow-up, and even if the main force runs away, it will save itself and pull up to release the locked-up funds.

As time passed by every minute and every second, the intraday time-sharing trend of GigaDevice rebounded slowly from the high opening dive.

At around 9:50, with the appearance of several ten thousand lots of buy orders, GigaDevice started to become popular again, and then oscillated sideways for half an hour, and suddenly started a strong shock upward rush, before the end of the morning session At one time, it rose by more than 8 points.

But at this time, Jianghu discovered that something was wrong. The bills of Wanshou began to decrease. They were all small bills of tens of hundreds of hands, and the largest one was only a few thousand hands. What does this mean?
It shows that the rhythm of the main force is almost the same, and now all retail investors are jumping into the pit.

Jianghu is not a retail investor, he can be regarded as a big hot money now, seeing retail investors forgetting to rush, the first thought that came to Jianghu's mind was to run.

With the unity of knowledge and action, Jianghu put his more than 4 orders at a price of 77.5 without hesitation.

The emotions of the retail investors who had just been heated up were once again cooled down as if a basin of cold water had been poured on them, and Zhaoyi Innovation once again remained sideways around 77.

During this period of time, Jianghu's chips are still being bought away, but basically they are 200/300 hands, and the most bought 8000 hands at a time.

Sure enough, after the surge in early trading, it was the top of the intraday time-sharing. With the smashing of the market, the subsequent trend never broke the previous high and kept going down.

(End of this chapter)