Consumer God

Chapter 276

After three rounds of drinking, the atmosphere naturally became lively.

Gao Diaomao held Han Lie in his arms, chatted a lot, and finally slowly turned to the intended topic.

"Mr. Han, I have a question, and I would like to ask you to clarify it."

"You speak."

Han Lie said casually, his attitude seemed a little casual, exuding a kind of perfunctory from the inside out.

But the real situation is that the dog has already raised its attention to the highest level in the dark, just waiting for the prey to show up, and then shoot it with an arrow.

"Is such that."

Gao Diao Mao lowered his voice and carefully considered his words.

"A similar ABS project, is there such a possibility that we can turn it into a product when we can't find a single funder, and then divide it into small parts and sell it to the general public..."

"Of course." Han Lie frowned deliberately, "This is a very basic model, but the cost will be higher."

High-profile busily lifted his spirits: "Then where exactly is the high?"

Han Lie explained in detail: "Each ABS project is an independent product. Unlike my private equity fund, it has historical achievements as a reference and can easily win the trust of investors.

In my judgment, it will not sell better than bank wealth management products, so a very powerful sales team is needed.

Generally speaking, the sales team should be given a commission of about 2%, so that it is possible to ensure that most of the shares are sold as scheduled.

Moreover, the sponsor is likely to need to do a structured treatment of the project in order to guarantee sales.

Structuring is another big cost..."

Gao Diaomao was dumbfounded.

However, the more so, the more he felt that Han Lie was professional, agile, and capable.

"Mr. Han, may I ask, what's the matter with structured processing?"

Hey, hooked up, right?
Han Lie secretly sneered in his heart, but on the surface he looked exhausted with patience, and explained concisely: "The product is made into a two-tier structure, one part is 'priority', which is sold to the outside world; the other part is 'inferior level', Find funds to back it up."

Gao Diaomao still didn't understand.

Every other line is like a mountain, no matter how cunning and cunning he is, he will not be able to fill half a bucket of water in the financial field.

Seeing Han Lie's appearance of being too lazy to talk much, Gao Diao felt a little irritated.

I haven't even figured out the concept, how can I draw cakes with Mr. Han?
At the critical moment, Gu Tian said happily: "Uncle Gao, you can understand it this way - the priority is to promise a fixed interest rate in the form of strong guarantees. The inferior level is a non-fixed interest rate, but it has to bear higher risks.

In actual operation, once a loss occurs, the inferior funds will be lost first, and then the fixed principal and interest of the priority will be paid in full. "

Yo?
The side drums are playing well!
Han Lie glanced at Gu Tian, ​​there must be no ambiguity, but Gu Tian still climbed up the pole.

"Mr. Han, although I studied management, I have also learned about routine operations in the international market. Am I right?"

"Well, that's right."

Han Lie nodded lightly, but did not give her any more responses.

Bai Yuxue didn't understand Gu Tian's character, so she suddenly felt that Han Lie was actually very picky and cold, so beautiful Bai Fumei didn't want to talk to her.

From this point of view...my sisters still hold a lot of weight in his heart?
She silently gave Han Lie another point.

Gao Diaomao finally understood Han Lie's thoughts, but this was not what he wanted.

The solution he really needs is to get the money from retail investors, then develop the land of his own company, and finally find a way to lose the money.

At least part of it must be lost, otherwise, if you pay about 20% more interest for nothing, how much profit will you have left?

It can only be said that it is really difficult for people who are used to walking on the wrong path to find happiness on the right path.

Or to describe it more bluntly: dogs can't change eating shit.

Therefore, although the Gao Diao Mao Fajia seized the opportunity early, there are profound reasons why they failed to follow the pulse of the times and truly become bigger and stronger after hanging out in the circle for many years.

The structure is not big, the ability to do business is not high, and the talent is all in the crooked way of sycophancy, so he is not worthy of being called an entrepreneur.

Just a ruthless and successful speculator.

Han Lie didn't answer, Gao Diao Mao had no choice but to wink at his son Gao Shen, which meant to let him continue the conversation.

In the end, Gao Shen misunderstood, thinking that his father wanted him to toast Han Lie again, so as to make him happy.

The little green boy was very embarrassed, and thought to himself: Teacher Han doesn't even look at me very directly, so cold, how can I have such strength?

Forget it, forget it, I don't want my daughter-in-law to catch a wolf...

He gritted his teeth hard, and begged Bai Yuqiu quietly: "Xiaoqiu, help me, you and Xiaoxue go have a few drinks with Teacher Han..."

Bai Yuqiu slammed her eyebrows upside down, "Who do you think I am?"

Depressed and relieved at the same time, Gao Shen quickly relented: "I didn't mean that, where did you go? What happened to drinking two glasses of wine in public? Darling, don't be so sensitive!"

Bai Yuqiu squinted at him with a half-smile, "I'm so sensitive when facing Teacher Han, what's the matter?"

Gao Shen didn't understand, he continued to persuade Bai Yuqiu under his breath, and then Bai Yuqiu became "impatient", and just opened his mouth: "My parents' house is old and small..."

"Buy, buy, buy!"

Gao Shen was overjoyed, it's not a problem if he can solve it with money, brother has money!

Bai Yuqiu just gave up and started working with a suppressed smile.

After she let go, there were so many tricks to persuade Han Lie to drink.

Of course Han Lie wanted to show her face, so he drank two more glasses, Gao Diaomao looked at it, and immediately cast a gratified look at his son.

Not bad, although it is not as expected, but the effect is very good!
Teacher Han is happy, so our plan can proceed further, son, you finally found the right way to do things!

After drinking for a while, Han Lie seemed five points drunk.

Gao Diaomao hurriedly continued to "ask for advice".

"Mr. Han, what will happen if our project cannot repay the principal and interest as scheduled?"

Hearing such a question, Gu Yong and Gu Tian also raised their ears.

Han Lie laughed wildly: "Haha! Mr. Gao really likes to joke... What should we do? The guarantee company will come forward to pay, and then dispose of your company's collateral!"

Gao Diaomao was not reconciled: "Is there no room for redemption?"

Han Lie shook his head: "What is the background of the guarantee company? The contract is there, and you take your head to rely on others?"

Gao Shen suddenly interrupted: "Then what if we don't need a guarantee company?"

"Insufficient credit enhancement."

Han Lie sneered disdainfully: "Without a guarantee company, why should investors buy your product? This is not a public offering fund that can be bought casually for 800 yuan. It is similar in nature to private equity, with a single share of 100. Ten thousand."

Gao Diao Mao is indeed an expert in crooked ways, and he realized the loopholes almost immediately.

"Can I understand this - if the sponsor has the ability to package the project beautifully, and the sales team is particularly strong, in fact, we can make the project complete without the intervention of a state-owned guarantee company?"

Han Lie frowned and pondered for a moment, then nodded: "Indeed, credit enhancement is an additional item, not a must.

The single investor is usually a large state-owned enterprise, so they must have a guarantee company as the ultimate guarantee before they are willing to pay.

This is not necessarily the case for trust products sold externally. If the sales team is given a high enough commission, they may sell high-risk projects. "

Gao Diaomao was immediately overjoyed.

Wouldn't it cost more?
What I'm thinking about is the principal of those retail investors, who cares about the promised interest?
This thing can work!
Han Lie looked at Gao Diao Mao whose eyes were shining brightly, and sneered secretly in his heart.

It's so easy to catch you...

Obviously, this is the loophole that Han Lie intentionally left, but he didn't take the initiative to bring it up, but put it there for Gao Diaomao to discover by himself——

The best way to lower a person's vigilance is to let him perceive the "truth" by himself.

The more concealed this process is, the more firmly the other party will believe in their own judgment.

Now, Gao Diao Mao was immersed in joy.

Of course, just because it's theoretically feasible doesn't mean he can actually do it. He still lacks a "military adviser", a collaborator who is willing to come up with a plan and has the ability to handle everything.

The target can only be Han Lie, but how do you pull Teacher Han onto your chariot?
Gao Diaomao fell silent, and continued to observe Han Lie quietly.

This person is lacking on a large level, but he is quite good at the small skills of dealing with people.

He went to the bathroom with his son, and after returning, Gao Shen began to make a wish to Bai Yuqiu: "You and Xiaoxue work hard and ask Teacher Han a few questions."

"I'm afraid Xiaoxue can't do it, forget it, I'll go... I really owe your family!"

Gao Shen smiled brightly: "Our family, our family! Don't worry, I will do what I promised you tomorrow!"

"Okay, for my parents, I will go all out!"

Bai Yuqiu reluctantly agreed, and found an opportunity to change seats with Bai Yuxue and sit next to Han Lie.

Uh, how would you describe it?

The fox fell into the chicken coop? !
The female idiot jumped into the men's bathhouse? !

It doesn't sound very nice, but the meaning is right, Bai Yuqiu almost died of joy.

Let go of that dog man, get up and let me do it!

Gao Shen couldn't do anything else, he was definitely a professional in making excuses, and when his daughter-in-law toasted, he was there to cheer Han Lie up, and he soon made Han Lie "happy".

In addition, the few questions Gao Diaomao sorted out were not conspicuous, and soon, with the active cooperation of Teacher Han, he got the answer.

One of the most important questions is: "What has Teacher Han been up to lately?"

It made Han Lie happy.

It's time for me to act, right?
Movie Emperor Lie went offline, forcing Wang Lie to transform!
Han Lie replied casually: "I'm busy, I don't have much business, and I have a lot of entertainment. Today I played golf with Huang Xing of Pufa and the leaders of State-owned Urban Investment, and I have to go to Shanghai to see President Jin tomorrow...

In fact, they are all similar cooperations, but every mountain has to be worshiped repeatedly, and it is not easy to make some money! "

Gu Yong and Gao Diaomao immediately stood in awe.

With their size, if they want to invite President Huang, they have to make an appointment in advance to catch up with the opportunity, and they simply cannot reach President Jin and higher-level leaders.

Han Lie spoke modestly, but his status was obviously different.

"Teacher Han is able to work harder, it seems that this year will take off!"

Gao Diaomao was extremely envious. They were all engaged in real estate. As soon as he heard about Chengtou, he knew that this was obviously a big business to deal with.

It seems that Teacher Han is more popular than I expected...

It's a pity that on today's occasion, it's obviously inconvenient to talk further, since Gu Yong and his daughter are here.

However, Gao Diaomao is still working hard to please, mainly because he wants to ask Han Lie out alone to "corrupt" him again.

Only in an environment without outsiders is it convenient to talk about real planning.

Gao Diaomao thought that he would have to wait for this opportunity, but he didn't realize it. His daughter-in-law's sweet mouth would come again, and she coaxed Han Lie to drink a few more glasses again, and his spirits were high.

So, when the drinking party was about to end, Gao Diaomao suppressed his excitement and extended an invitation to Han Lie.

"Mr. Han, I think you're almost drunk. How about going to Gouzi's house for a cup of tea later to sober up?"

Gao Shen was stunned for a moment.

isn't it?
I can understand drinking tea to sober up, but why do you want to come to my house?
Bai Yuxue can't count on him, so don't I have to let my daughter-in-law take care of him? !
The little green boy himself is not very good at that, so his possessiveness towards Bai Yuqiu is strong and distorted, and he is very sensitive - he can tell from the look in his father's eyes that this father really dares to bribe his wife!

Gao Shen was very willing to invite Han Lie to his house as a guest, but the premise was that he had to control the situation by himself and no problems would arise.

Therefore, he very much resisted his father's proposal.

You didn't follow your heart!
Gao Shen looked at Han Lie expectantly, thinking: Teacher Han is so arrogant, he probably won't agree to it?

As a result, Han Lie waved his drunken hand: "Okay! I'm happy today, I'll do you a favor and lead the way!"

Gao Shen: ╥﹏╥
Gao Diaomao didn't have the time to pay attention to his son's small thoughts, he was already shocked by the unexpected joy and smiled.

In his opinion, Han Lie in a normal state is very difficult to date, and today is a rare opportunity, so he has to grasp everything!
"Teacher Han, slow down, Xiaoqiu, go and help Teacher Han!"

Bai Yuqiu "dare to be angry but dare not speak up", holding Han Lie's arm with a face full of reluctance.

Then he glared at Gao Shen and scolded, "Help me? Why are you standing there?!"

The poor little green boy didn't even have time to get jealous, so he grabbed Han Lie's other arm in a daze.

No, why do I feel so aggrieved?
On the other side, Gu Yong "encouraged" Bai Yuxue with a voice that Han Lie could hear.

"Xiaoxue, you are a spiritual child, but no matter how good the jade is, it needs to be honed by a master. Teacher Han is that kind of outstanding in many fields. If you have the opportunity to learn from him, you must seize the opportunity."

Then, shake hands with Gao Diao Mao and bid farewell.

"Brother, Teacher Han will be taken care of by you. If you become in-laws in the future, don't forget the brother's contribution!"

Gao Diao Mao was full of ambition and laughed.

"I would like to borrow your good words! Don't worry, the devil is so big, how can one person eat it all? With today's help, my brother will definitely be rewarded! You wait for my news!"

The "drunk" Han Lie felt a sudden movement in his heart——

Huh?
Gu Yong is also tempted?Want to blend in?
I'll go, you guys have to force me to catch them all...

(End of this chapter)