Consumer male god

Han Lie slept very well and got up at 8:00, full of energy.

When he came out of the bedroom after taking a shower, Liang Wu was instructing the waiter to serve breakfast, while Lu Shuli was sitting on the sofa with a pair of huge dark circles under his eyes, sipping hot coffee.

The dog man pretended not to see the dark circles on her face, and asked with concern: "How is it? Did you handle it smoothly?"

"It went very well, thank you for your concern."

Lu Shuli looked down at the document and rolled his eyes quietly.

This girl has been busy from 8 o'clock on Saturday night to now - 8 o'clock on Monday morning - and has only slept for less than four hours in total. Do you think it goes smoothly? !

The most disgusting thing is that for 36 hours, the dog man didn’t send a single text message!

It’s too late to start caring now!

Lu Shuli was upset, but he didn't vent it out. He just used small details to show a bit of resentment.

Liu Minghao sat aside and watched this scene with a smile, finding it very interesting.

Of course Han Lie could feel it, but instead of comforting Lu Shuli, he turned to ask Liu Minghao: "After this project, will Xiao Lu be able to take charge of his own business?"

Of course, Liu Minghao couldn't make trouble, so he simply nodded: "The institute has prepared her offer, and the pilot has also reserved a place for her."

Lu Shuli immediately raised her head and glanced at Han Lie with her lips pursed.

A little bit cute~~~

Working in a red circle office is a starting point that almost all fresh law students can’t even dream of.

It is very difficult to get into the red circle institutes, and the threshold is basically for graduate students.

If you only have a bachelor's degree, then you must at least be a graduate of the "Five Schools and Four Departments" in the domestic legal field, plus national award graduates from three prestigious universities in the Qing Dynasty.

The eight major red circle law firms only send out less than 60 offers to undergraduates every year, and there are nearly 8,000 top law graduates every year. Plus hundreds of LLMs and JDs from overseas universities in the United Kingdom and the United States, it is conceivable that this is What level of competitive pressure.

King \u0026 Wood Mallesons’ gold-casting program selects approximately one in 100 (faculty master’s degree) students, and it is rare for an undergraduate student to be selected every year.

Fangda's pilot plan was not that serious, but under normal circumstances it would definitely not be Lu Shuli's turn.

She was able to join Fangda as an intern, but she didn't even know how long the incense had been burned during ancestor worship at home.

Han Lie didn't quite understand the plans in their place, but he had plenty of ways to warm the girls' hearts.

The dog man smiled and asked: "Stop talking to me about those nonsense, just tell me directly, what is Xiao Lu's starting salary? If I think it is shabby, then I can just go back to the company as the legal director."

Liu Minghao smiled bitterly and shook his head, pretending to wipe the non-existent sweat on his forehead.

"Starting salary is 25K, 15% salary, 20 days of annual leave, and additional performance bonus at the end of the year... Leader, are you satisfied?"

"What are you talking about?" Han Lie frowned arrogantly, "It doesn't matter whether I am satisfied or not. What is important is that Xiao Lu is dissatisfied! Sister Li, if you have any ideas, just ask! If you are willing to come to my place and submit, the treatment Increase the price by 50%."

"ah?"

Lu Shuli's head was dizzy when she heard Sister Li calling her, and she was stunned for a moment.

Anyone could see her struggle.

To be honest, Fangda’s starting salary of 25K is really not low, and it’s just the beginning of 2014.

The starting salary of the Big Four is basically only around 20K. The starting salary of the major international investment banks is slightly higher, around 27-32K, but they only accept master's degrees from prestigious schools.

For comparison, the starting salary in state-owned banks is about 3-5K.

In commercial banks such as Pudong Development Bank, the starting salary in Shanghai is about 6-9K, with a salary of 13.

For civil servants in Shanghai, the starting salary is between 3.2K and 4.8K. After three years, the average salary can reach 5K. With all benefits, the maximum salary can be up to 110,000 to 20,000 a year.

Now Lu Shuli's one year is enough for those students who are taking public exams to work hard for three years.

People of the older generation may still think that civil servants are more stable, but the problem is that if you look carefully at the income growth curve, you will understand that in 10 years’ time, the monthly salary of a deputy department will be 7K, and that of a senior lawyer in a red circle firm in 10 years The monthly salary is 80K easily.

The gap did not narrow, but widened again.

Civil servants have been stable for 40 years. If they cannot take power, it will be difficult for them to earn a total salary of 4 million.

A senior lawyer from a red circle firm achieved financial freedom in 5 years, and there are also various opportunities for entrepreneurship.

So which job is more valuable?

Shut up!

If you choose a hundred times, you will be a civil servant!

Well, Su Zi once said: "If you are not a top-notch talent, it is best to try your best to get into a good university and then aim to get admitted from the freshman year. The beatings from society are really not that easy to endure..."

This is the best solution in life to settle for the next best thing, to admit that you are mediocre, but to work hard and dare to think and work hard.

Previously, Lu Shuli was actually envious of her classmates who worked in the district government.

Mainly feeling confused about the future.

She has never been one of the top students among her classmates. The reason why she was able to join Fangda as an intern was largely due to her good looks. Whether she could stay was a matter of choice.

Now, she no longer needs to think about joining the job, but she has to reconsider her future.

The Red Circle Institute is already a top job in Shanghai. Is there a better way?

Obviously, following Han Lie is a better way out.

Similar to today's opportunities, every year, if you look for them in Manmodu, you should not be able to find ten.

It’s not far away from reaching the sky in one step.

However, Lu Shuli struggled to think about it for almost 10 seconds and said with difficulty: "Mr. Han, I am very, very grateful for your respect and trust, but I am still far behind in all aspects. Fangda is a very good social university. , I think I should settle down for a few more years..."

Huh? !

As soon as he said this, Liu Minghao glanced at Lu Shuli in surprise, and then started rubbing his chin with interest.

Han Lie was not angry at being rejected, and smiled at the anxious her.

"It's good. You can see your shortcomings clearly and find more practical needs. Obviously being a legal director will not be your end, so keep going!"

What does it mean to be a good man? (tactical fallback)

Han Lie's performance immediately made Lu Shuli take a breath of relief and look at him gratefully. A slight redness appeared in the little dimple behind his ears.

"Okay, Mr. Han, I will study hard!"

Han Lie stopped talking and turned to look at Liu Minghao with a smile.

Lao Liu raised his hands and surrendered: "Don't worry, okay? There must be a place for Xiao Lu in my team, and it won't be easy for anyone to do it!"

It's an interesting statement that only smart people can understand.

Next, the four of them sat down to have breakfast and basically chatted.

At 9 o'clock sharp, Han Lie took various documents and set off, heading straight to the headquarters of Mordu Bank.

Magic Silver's headquarters building is very handsome, with a Gotham City style, and is located on Yincheng Middle Road in the Free Trade Pilot Zone.

Just as Han Lie's car was about to enter the outdoor parking lot downstairs, a security guard came and asked, with a very polite attitude: "Hello, sir, do you have any business to handle? Non-customers are not allowed to park here."

The driver Cheng Shi replied politely: "Our boss has an appointment with President Jin of your bank."

The security guard was in awe and immediately picked up the intercom to notify the front desk.

Cheng Shi was so excited, forget it.

Damn it, after being Mr. Han’s driver for so long, it’s finally Xiao Cheng’s turn for me to show off!

Then Xiao Cheng, who was very vain at heart, was invited to the waiting area in the lobby downstairs and mixed with a cup of hot coffee. The person who served the coffee was a beautiful front desk lady...

Han Lie and Liang Wu were invited upstairs by a male assistant.

In the suite outside the president's office, Liang Wu stopped and was received by the lady from the president's office, while Han Lie had a historic meeting with Lao Jin in the huge office.

Jin Yu is 49 years old this year, and he still has the tail of his youth, and his appearance has a gentle smile that smiles before he speaks.

He stood up on his own initiative, walked out of his desk, and stretched out his hand.

In contrast to his soft appearance and enthusiastic behavior, President Kim's opening remarks were very tough and concise.

"Teacher Han, young hero, nice to meet you!"

How do you sound tough?

The four words "young hero" were pronounced clearly, coherently and with emphasis. They were not a casual compliment, but a definite tone-setting.

——I'm not praising you, I'm just stating a fact that I know.

By comparison, when President Huang of Pudong Development Bank saw Han Lie for the first time, his opening remarks were: "Young hero! Xiao Han, will you have the opportunity to cooperate with our Pudong Development Bank in the future?"

Noticeably much softer, and actually more polite and distant.

This is the specific behavior led by the spiritual core when different people face the same situation, and the external characteristics they ultimately display.

As for the difference Han Lie interpreted, well, I won't mention it here because it is irrelevant. The difference that is more important to him is that President Jin obviously has more autonomy.

Han Lie took two quick steps to prevent Lao Jin from reaching the middle of the office and intercepted him closer to the desk.

He held it with both hands.

"President Jin is Han Lie's senior in every sense of the word and a role model for financial people in Shanghai. Your compliments will be taken seriously by this junior!"

Respectful enough, but not flattering, basically maintaining the attitude of a collaborator.

People take the initiative to call you Teacher Han instead of Mr. Han, which can be regarded as lifting you up, but then you lower your position yourself. Isn't it stupid? !

Lao Jin laughed and showed appreciation, and asked Han Lie to take a seat in the reception area.

After a few pleasantries, three minutes of small talk, and a cup of tea, the process was completed accurately, and Lao Jin took the initiative to bring up business.

"Teacher Han, how is the project plan going?"

Han Lie's expression became solemn, he took out the documents and placed them on the coffee table one by one.

"President Jin, let me briefly explain to you..."

The final plan was similar to what I had discussed with Xiao Jin before, with only some changes in details.

Lao Jin didn't read the document too carefully, but he listened very carefully and paid very precise attention.

"11.5%, are you sure you can do it?"

Han Lie nodded decisively: "Of course. If there is any problem, first use my intermediary fee to make up for it."

Lao Jin shook his head and made a joke: "You collected 37.5 million in consulting fees from Lao Qi in a few minutes. It seems you didn't think much about the remaining bits and pieces?"

How could the rest be fragments!

Han Lie smiled secretly in his heart.

In everyone's opinion, it is very difficult to reduce the fee of the Shanghai Guarantee Company to less than 4%, so the room for error is very low, and if there is a slight accident, it will be stretched.

But in fact, because of Pufa's 20 billion additional assists, Han Lie should not be too confident in the guarantee company's concessions!

Under the most ideal situation, Han Lie can reduce the total cost of the Magic City project to 10%!

In this way, the 1.5% intermediary fee is 112.5 million, plus the consulting fee that has been received before, the total is 150 million!

It's too wild, this road is really too wild...

No matter how big the Magic Capital Bank was and had its own elite asset management team, it would not allow Han Lie to take such a big advantage.

Pudong Development Bank gave 0.3% to 0.5%, which is the norm.

However, Lao Jin did not have other requirements.

"The plan is very good, but is the profit of our business too small? The overall income of the off-balance sheet business is only 5.5%, which is a huge loss..."

"It's a return of at least 5.5%."

Han Lie corrected him seriously, and then slowly explained his design in the eyes of the other party who said he was willing to hear the details.

"Last time, time was limited, so I didn't make it too clear..."

President Jin smiled and said nothing, knowing very well that he deliberately did not go into details, so he listened more attentively.

“After SAIC’s subsidiaries receive 10 billion in corporate bonds, they can only use them for capital-guaranteed investment, supplementary working capital, and general project preliminary construction, etc.

Therefore, the only fixed annual interest rate given to your bank is 4.2%.

But at the same time, the group headquarters no longer needs to allocate project funds to subsidiaries, so it will transfer the 10 billion idle funds that will be received later to the Securities and Finance Department for investment.

The Securities and Finance Department will eat up the 7.5 billion Jingang project, and then use the remaining 2.5 billion to purchase graded funds issued by our fund subsidiary.

The upper limit of the fund is 5 billion, hybrid type, with a closing period of 18 months, a fixed income of 6.5% for the priority part, and no limit on the risks and returns of the inferior part.

Your bank is the only underwriter and custodian. The underwriting fee is 1% and the custodian fee is 1% per year.

At this point, the price difference has been basically filled.

SAIC Securities Financial Department should purchase 1.5 billion of the priority and 1 billion of the inferior.

The remaining 1 billion will be given priority to your bank. Your bank can handle it as appropriate, and the younger generation will not comment.

As for the remaining 1.5 billion high-risk subordinated tranches, if your bank can sell it, it will be sold. If it cannot be sold, I will find someone to make up for it myself.

How about it, President Jin, are you satisfied with the junior’s plan? "

Lao Jin was completely stunned.

No, for such a small intermediary fee, you are working too hard, right? !

In fact, in Jin Yu's opinion, Han Lie had many ways to solve the difference in price, but he chose the most risky one.

He frowned and looked at Han Lie repeatedly: "What are you going to do with this money?"

Han Lie said frankly: "We mainly focus on the market index. We may also set aside some funds and place them in a certain bank for fixed deposits."

Compared with the cost of this fund, the interest on fixed deposits is almost ridiculous, so it should be to achieve some special purpose.

So, the main way to make money is the index part?

Lao Jin couldn't help but ask again: "Are you so confident about the stock market in the next two years?!"

Han Lie smiled brightly.

"Jinhang, if this question is asked by the leader of the re-guarantee company, I will probably answer it."

Meaning, you shouldn't ask.

President Jin reacted and fell into deep thought.

In the entire plan, all the risks have been taken over by Han Lie, and there is no way that Magic City Bank will suffer losses.

Um, no, the correct way to say it is - 100% blood profit.

If you are willing to put in the effort, you can use your own funds to go around and buy the 1 billion priority shares.

If you don’t want to bother, you can also sell it to big customers. Funds with fixed interest rates of 6.5% are very rare now, and they are definitely a powerful tool to attract customers.

Of course, the so-called priority is not a rigid guarantee of principal and interest. If the inferior part is still not enough after losing all, it may not be paid.

But in Han Lie's case, how likely is this?

Jin Yu had already found the video of Han Lie's Pufa lecture and watched it specially.

At least so far, Han Lie's judgment of market trends is very accurate.

So... can this business be done? !

When Lao Jin began to consider the problem from this perspective, he had already fallen into Han Lie's trap.

Count carefully, you can kill several birds with one stone. Is this it?

****