Consumer God

Chapter 269
Han Lie was pinching the time in his heart, and in about 5 minutes, he finished in time and stepped down.

Today is not his stage, so he has to be measured.

In general, Mr. Han just briefly popularized several major forms of real estate asset securitization, as well as the advantages and disadvantages compared with traditional financing methods.

The advantage is simple, it can bypass the bank's loan restrictions on real estate companies.

The downside is simpler...expensive.

And it is not generally expensive, at least three times the cost of issuing bonds, twice the cost of bank loans, and sometimes higher than short-term bridge loans.

But between living and being expensive, normal people will choose to live.

So as soon as Han Lie stepped off the stage, he was surrounded by "normal people" and became the most beautiful boy in the audience.

There are so many people that we can only exchange business cards in a hurry and then simply chat a few words. If you look familiar, it will be disrespectful to others to chat more.

business?

Do not pick up!

Han Lie was very sober, and did not confine himself to the role of a middleman, competing for jobs with several major brokerage trusts present.

ABS and similar REITs projects are not mysterious. There are too many companies that can do it, and it is not worth investing a lot of energy.

In fact, starting from this year, related games will soon spread and become a major profit support for asset management departments and fund subsidiaries of securities firms.

Han Lie didn't intend to waste any more time earning that little agency fee, so when he encountered a company in need, he directly pushed Tang Xintian and Lu Shuli out one by one.

Both of them are familiar enough with the process, one is backed by Pudong Development and the other is backed by Red Circle, and their ability to handle business is very top-notch at the current point in time.

I really can't figure it out... Isn't there still me, Master?
In this way, Han Lie struggled with wave after wave of real estate developers.

Then, finally heard a long-awaited name——

"Hello, Mr. Han, I Gao Yijun, there is a small real estate company, can I exchange business cards with you?"

"Hello, Mr. Gao, you are too kind."

Han Lie gently shook hands with the other party, neither proactive nor enthusiastic, but he did not alienate the hostility, just like before.

However, when exchanging business cards, they looked at each other intently.

Gao Diao Mao looks about 50 years old, the hair should be baked, black and thick, very youthful.

This person's appearance is not obscene, on the contrary, when he smiles, the brows are bent down, and the eyes are like crescent moons, giving people a very soft feeling.

Speak politely, the tone is neither fast nor slow, and the temperament is quite good.

If it hadn't been known in advance that this person made his fortune with the sacrifice of thousands of employees' lives, who would have imagined that he, who looks like a university scholar, is actually an old man?
Han Lie realized instantly - this person should be difficult to deal with.

So he shook hands lightly, nodded his head, and left without giving him another chance to speak.

"I'm sorry, Mr. Gao, I still have a friend to see over there."

The young man guarding behind Gao Yijun was about to open his mouth when he saw this, but Gao Diaomao smiled and put away his business card: "Okay, please go ahead, and ask for advice in person when you have a chance."

Seeing Han Lie turn and walk away, the handsome young man murmured, "Dad, why..."

"Don't rush."

Gao Diaomao waved his hands, kept watching Han Lie's back, and said relaxedly: "Is it useful to be anxious? You will only make mistakes if you are anxious."

Gao Shen subconsciously twitched the corner of his mouth.

He muttered: "Any one present here is bigger than us, but you can stand still. When their business is full, I'll see what you will do!"

"What can be discussed on such an occasion?"

Gao Diaomao turned his head to look for Gu Yong, and when he saw him, he smiled confidently.

"Tomorrow and the day after tomorrow, please ask Mr. Gu to invite someone out alone, have two glasses of wine, and arrange a few shows. That is the opportunity to talk about serious business."

Just about to go to Gu Yong's place to join in the fun, Gao Diaomao's footsteps suddenly stopped, and he turned to look at his son: "By the way, take your wife with you, remember to be humble then, don't show your teeth and claws!"

"what?"

Gao Shen's expression turned green suddenly: "Why did you bring her? Our family is not up to that point, is it? Don't think about my wife..."

"Idiot! What's going on in your head?!"

Gao Diaomao was so angry that he cursed, you unfilial son, who do you think I am? !

"What I mean is, ask your daughter-in-law to call her younger sister and see if you can make friends with Han Lie. Even if you don't call, you can warm up the scene..."

Gao Shen looked at his father suspiciously: "Really?"

Gao Mao is so hairy, his temples throb and hurt.

"Look at how promising you are!
So you treat that hen that doesn't lay eggs as a treasure!
Han Lie is 20 years old, and your daughter-in-law is 31 years old, they are not from the same generation!

If you really want to roll into a bed, who is taking advantage of whom?
Open your eyes wide and see, is there any beauty around Mr. Han? !Which temperament is not more dignified than Xiaobai? !
Damn, hurry up and get a divorce!

If you don't have a grandson within two years, I will personally give birth to a younger brother for you! "

Gao Shen was scolded so badly that he no longer worried about his wife, but he was still full of displeasure.

Those two sisters-in-law... I'm so greedy too!
But he didn't dare to be stubborn anymore.

My dear father, I know best, when he was young, he was really willing to beat his son...

Although he doesn't do anything now, he still pays attention to authority and says what he says at home. How can he let him jump around?

Forget it, go back and discuss it with your wife...

Alas, she will definitely not agree, how should I coax her?
What a hassle!

……

Han Lie didn't have any friends to see, so he just took the opportunity to leave, and then he was dragged to a leisure meeting area by Liu Minghao after walking not far away.

"Mr. Han, let me introduce you."

Liu Minghao's attitude is very serious, and beside him are President Qi of Jingang and another young man.

Mr. Qi is not the point, that young man is.

Jin Minghui, a postgraduate student in economics at Fuda University, has not yet worked. His father is the first brother of Modu Bank.

Han Lie is not familiar with Modu Bank. He only knows that it is the first city commercial bank in China that was approved to operate in other places. It was listed after the stock market crash, and its market value fell all the way to more than 800 billion.

Amount, more than 1700 billion net assets, less than half of the market value, is the norm in the banking industry.

Ignoring the market performance and just looking at its business itself, it is actually doing well, with a total asset of nearly 3 trillion yuan, ranking third among city commercial banks.

With the attributes of the financial center of Shanghai, the pressure of competition is so great, and the resources allocated by it are so few, it is actually not easy.

Of course, the development of Modu Bank has nothing to do with Han Lie.

The reason why Han Lie considered its development in the first place was to judge the level of its helmsman, and then determine how to treat Jin Minghui.

Do you have a lot of eyes?
It's not about the people who are involved in finance, but that in the upper class society, only by thinking and making decisions can we be invincible.

You don't think too much, no one will step on the pit for you.

……

Jin Minghui was very polite, and the first sentence after the greetings was very flattering.

"Mr. Han, you have gone to the lectures at SISU. When will you come to our Fuda University?"

Hey, what happened in the afternoon, he will know in the evening.

Although it's not a secret, it can be seen that Jin Minghui pays attention to Han Lie.

And this kind of attention often means asking for something.

Han Lie raised his vigilance silently in his heart, and waved his hands with a smile: "Shanghai University is my alma mater, so it's really unreasonable to bite the bullet and endure a torment. Master Fu is outstanding, so I don't dare to embarrass myself."

"No, you are too modest!"

Jin Minghui's smile is very old-fashioned and steady, with a sense of maturity that is immovable.

"My undergraduate degree is finance, and my graduate degree is economics. I can attest that the students from the two departments are definitely looking forward to you. Really, you must come next semester!
Of course, my weight is not enough. It is normal for you to have concerns. Our department head and my father will definitely make you feel at ease. "

Han Lie understood, and asked, "Dong Jin is also Mr. Fu?"

Jin Minghui smiled reservedly: "My father is also the co-chairman of Fuda Huaxia Financial Club..."

Good guy!
Fuda's leader in the financial world? !
Han Lie was very surprised, and finally realized Lao Jin's weight correctly.

The Shanghai Bank is not that big, at least not in the forefront of Shanghai.

However, in the financial circle of Shanghai, there are several forces that cannot be ignored, such as Fuda Economics and Management, Jiaotong University Gaojin College, Qingbei Department of Investment Bank, etc.

There is a jingle called "There are no investment banks outside Qingbei, and there is no finance after the resumption of diplomatic relations."

Slightly exaggerated, but the effect is correct.

Next, the two finances and one trade and Canada National People's Congress are more differentiated. Most of the top experts are in the system, and ordinary students are mainly distributed in the middle of the industry.

If you only look at Shanghai, then Fujiao Shangcai is the absolute leader.

It is not an exaggeration to say that as long as you can be admitted to the corresponding majors of these three colleges, you can get very good training from the junior year, and the advantages of the platform are so great that outsiders can't imagine.

In the previous life, Han Lie had seen too many different treatment.

Extremely unfair and outrageous.

However, he has worked so hard to get into 985, and with his academic ability and diligence, he has been taken care of by his seniors and sisters. Is there anything inhumane about it?
not at all.

Han Lie asked himself: If I were a big boss with a resumed background, I would also be willing to give more opportunities to my juniors. In most cases, they are more valuable to cultivate than the graduates of the second school.

So I can only blame myself for not studying hard, and when I enter the society, I will risk my life to get on the express train of others.

Now Han Lie was able to see clearly where the original anger came from—on the surface it was resentment against injustice, but in fact it was resentment that the privilege did not shine on him.

Quite boring.

Today, of course, Han Lie no longer needs to take other people's cars, but he still has to deal with mainstream forces.

Even if you don't plan to join a certain circle, you should at least get acquainted.

Lao Jin is the most important and crucial figure in Fuda's financial circle. Mordu Bank is his foundation, but it cannot fully reflect his strength.

Therefore, Han Lie showed "awe and respect".

"I'm sorry, it turns out that Jin Dong is the real senior...you must ask for advice in person if you have the opportunity."

"Don't worry, there must be a chance. My father is also full of praise for Mr. Han."

Jin Minghui smiled calmly, and then began to chat with Han Lie about economics.

Han Lie didn't understand what this young man meant, but he wasn't afraid. Level 4 economics was much better than average postgraduates. When he met Jin Minghui, who had a strong family background, he was not at all inferior.

In the middle of the chat, Young Master Jin suddenly asked: "What does Mr. Han think about the bank's asset balance sheets?"

Ok? !

Han Lie was taken aback for a moment, and then a flash of inspiration flashed in his head, and he suddenly realized.

That's what the idea was!
The ABS business is not only a life-saving straw for real estate developers, but also of great significance to all related chains.

From the bank's point of view, the "correct" model has a role to play.

A brief explanation of the bank's asset balance sheet——

With the cooperation of the trust industry and the securities industry, the banking industry has transferred credit assets off the balance sheet.

These credit assets have disappeared from the bank's balance sheet, and no longer constitute risk assets with a high weight, and no longer affect the capital adequacy ratio, so that the bank's loan-to-deposit ratio and other indicators meet regulatory requirements.

Focus!
The fundamental purpose of transferring some high-risk credit assets off-balance sheet is to increase the capital adequacy ratio and reduce on-balance sheet risks, thereby freeing up room for higher lending.

As we all know, domestic banks rely on loans to survive. The more foreign loans, the higher the profits.

However, you can't put as much or as little money as you want in loans. Simply put, it depends on how much deposits your bank has.

The more you save, the more you borrow.

For small and medium-sized banks, due to their limited deposits, their ability to lend money is also very poor.

Everyone knows that the deposit interest of city commercial banks is much higher than that of the four major banks. Why?
Because the city commercial bank's own ability to absorb deposits is too poor, it has to raise interest rates, and even frantically distribute benefits to compete with big banks.

If you deposit 5000 million personal deposits in ICBC, ICBC's line money really doesn't necessarily take care of you.

If you deposit in a local city commercial bank, the president will frantically show his favor to you, and Xinghua will take the initiative to kneel and lick - because the work pressure is too great, they don't have the confidence to operate in the universe.

1000 million is enough to complete a year's tasks, and 5000 million is almost enough to be promoted to the branch president.

Brothers know how to play, right?
To sum up, if commercial banks want to increase their profitability, they can only desperately absorb reserves while trying to sell as much as possible, especially for small and medium-sized city commercial banks.

But now, Han Lie is engaged in a more advanced compliance and win-win model. Apart from Shenzhen Qianhai, his model is the most advanced.

Even though he can only be awesome for a few months, during those few months, he's the cutest kid on the street.

Back then, I had my hands in my pockets, and anyone who saw me would have to praise me for being so handsome...

Realizing Lao Jin's core needs, Brother Lie smiled.

He carefully considered his words, and replied concisely: "In your position, do your best, in order to survive, there is nothing you can do about it and nothing to blame."

Oh wow, this dude is really good at it!
Jin Minghui was very shocked, the young man in front of him was simply a monster he had never seen before.

Surprised, but also very satisfied, he took the initiative to have a drink with Han Lie.

Then, he gave Mr. Qi a look.

Mr. Qi immediately said politely: "Mr. Han, in fact, my new project also needs financing. We have been cooperating with Modu Bank before, and it is very pleasant, but now...you understand.

So it's very troublesome. In fact, Mr. Jin is very willing to help cooperative enterprises tide over the difficulties, but because of the situation...

Do you have any advice? "

After a pause, seeing Han Lie groaning silently, he immediately added another sentence——

"Don't worry, as long as your method satisfies both of us, I can sign an agency agreement with you right now, 75 billion, and the consulting fee is 1.5%!

My requirement here is that the overall cost should not exceed 12%, and it will be hosted by the Modu Bank. "

Han Lie's pupils shrank sharply.

Even if it is him, it is impossible to ignore the 1.12 million under his nose.

This money is so crucial, if you get it in your hand and spend it on Pan Ge, it will be directly equivalent to 2.2 million experience points, which can increase the two attributes to a full value of 89 points!
Do you want to earn this windfall?
Also, can you make money?

Han Lie pondered for about 5 seconds, and in his vast knowledge framework, a plan gradually took shape.

He raised his head, looked directly at Mr. Qi, and spoke calmly and confidently.

"You sign the agency agreement and consulting agreement now, and within 30 minutes, I will give you a plan that perfectly meets the needs of multiple parties."

"real?!"

Mr. Qi was both surprised and delighted, but he couldn't believe it.

Then, subconsciously glanced at Jin Minghui.

"Wait a minute, Teacher Han."

Jin Minghui got up in a hurry, walked aside with the phone, dialed, and chatted for a while.

After returning, Mr. Qi nodded, and then looked at Han Lie seriously: "If Mr. Han can fully understand the needs of our two families and meet our respective needs, the 1.5% initiation fee is what you deserve."

This pie!
Under the premise of satisfying both of them, it is impossible to achieve 1.5% space.

And what does "origination fee" mean?
As a project sponsor, you have to work!
It's not like you can pick up 1.12 million for nothing with an idea. How could it be so easy.

However, this condition is good enough.

If you don't have any skills, you really can't get it.

Han Lie didn't bother to praise Haikou any more, and sat on the sofa, beckoning to Liu Minghao: "Contract!"

Liu Minghao immediately called Lu Shuli, and the group moved directly to the hotel conference room.

Lu Shuli went to the depository to get Liu Minghao's briefcase, took out the USB flash drive and notebook, revised it on the spot and typed out six contracts.

Three are project agency agreements and three are consulting agreements.

The consulting agreement filled in a fixed amount, 3750 million.

The agency agreement stated that Zhongmei Investment should help Jingang Real Estate Company to complete the project at 11.5% of the cost, and Modu Bank was the designated custodian.

Signed by both parties and stamped with official seals, the only thing left is notarization.

Before the contract officially came into effect, Han Lie still needed to persuade Mr. Qi and Lao Jin with a plan.

Sitting opposite each other at the conference table, Han Lie took out the plan he had thought up in 5 seconds.

"I'll go through the main body of the project first. If there are any problems, we will communicate one by one later."

Lao Qi, Xiao Jin, Liu Minghao, and Lu Shuli stared at Han Lie with wide eyes.

"Essentially, Modu Bank has money, but it can't be put into Mr. Qi's hands.

So my plan is this -

Zhongmei's fund subsidiary will launch a single investor trust plan, find a random trust company, and pack Jingang's projects into it, and the channel fee can be negotiated at 0.2%.

We get rid of brokers and save underwriting fees.

Then I brought in the newly established Mordu Re Guarantee Company to increase credit for the project. I am sure that the guarantee fee will be controlled at about 4%.

After that, I will deal with SAIC, let their securities finance department give up buying government bonds, and eat up the trust in full at an annual interest rate of 5%.

The custodian of the project is Modu Bank, and the management fee is 1.3%.

The legal aspect was handed over to Fangda at a cost of 500 million.

Any accounting firm from the Big Four will do, and the fee will be 500 million.

The evaluation agency also used Shanghai Lixin at a cost of 2750 million.

11% in total, leaving 0.5% for maneuvering.

In the end, a subsidiary of SAIC Motor initiated a special corporate bond plan with a total amount of 100 billion to your bank, raising funds in the form of wealth management products, issuing 25 billion to customers as a priority, and your bank through PMC as the second A partial investment of 75 billion—as long as you understand what I mean, how to do it is based on the convenience of your bank.

As long as SAIC's final interest rate is controlled below 4.2%, it will be OK.

In this way, your bank has gained at least 5.5% of the total income, actually invested 75 billion, and provided ordinary customers with 25 billion high-security wealth management products.

Mr. Qi received 75 billion trust funds and started construction of the real estate as scheduled.

SAIC made a lot of trouble and got 75 billion 0.8% spread and 25 billion medium-interest corporate bonds. I will help them arrange them all, with an annual interest rate of at least 7%, which is an additional spread.

The re-guarantee company won key projects, expanded its influence, and continued to hit the top ten in the industry.

The trust doesn't need to care about anything, and picks up 1500 million for nothing.

Everyone is happy, no one loses.

How are you guys, are you satisfied with my plan? "

President Qi and Jin Minghui looked at each other with surprise in their eyes.

"Satisfied, very satisfied!"

"I'm sure there's no problem here, but... are you sure you can do it?"

Jin Minghui was suddenly worried about gain and loss.

The plan was so perfect, it hit his heart with incomparable precision.

He didn't mention listing at all, but the core words of the project are all listing.

This tmd is not a genius, what is a genius? !
But it was precisely because the plan was so perfect that Jin Minghui had great worries.

The plan belongs to the plan, it is not difficult to come up with... well, it is also difficult to come up with it, but the most difficult thing is how to get SAIC and the re-guarantee company to cooperate.

This matter is definitely not as simple as talking about it.

However, Han Lie was not polite at all, showing almost absolute confidence.

"Since I dare to speak, I am sure of it. The total cost of 11.5% of the project has been written in the contract. Don't worry, both of you."

Honestly, a handsome group.

Jin Minghui's perfect composure was completely defeated. Excited and excited, he picked up his mobile phone and hid in the small bathroom inside.

When he came out again, he smiled brightly and stretched out his hands to Han Lie from afar.

"Mr. Han, happy cooperation!"

Han Lie also smiled, thinking: I don't know if you guys are happy or not, anyway, I'm out of money for the agency fee.

1.1 million is not necessarily, 7500 million is stable.

Is there an hour before and after?

Ha, before the Lunar New Year, make your appearance to 89 points, it's all right!
And it helped Lao Jin a lot, so he will have a foothold in the financial circle of Shanghai in the future. Let's talk wildly: Lao Jin + Lao Huang + Brother Tang, isn't that a horizontal trip in the financial circle? !
By the way, Pan Zi can't be left behind, just give him the guarantee of the company's favor, if you can't talk to 4%, you have to make up another watch for me...

Han Lie crackled his calculations and couldn't help laughing.

Just as soon as he went out, he saw Tang Xintian, and he gave her a big smile.

Miss Tangtang was dumbfounded.

Being so friendly to me all of a sudden... Your new plan needs my help?

She walked quickly with a wine glass in her hand, full of anticipation in her heart.

Sister is not afraid of work, if you have any project, just drop it!

*****
This is what it looks like after playing finance to a certain level...

If everyone reads it too boring or the reviewer refuses to write, then shut down from now on.

(End of this chapter)