Consumer God

Chapter 280
Han Lie slept very well, woke 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 her 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's going well, thank you for your concern."

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

This girl has been busy since 8:8 p.m. on Saturday night - [-]:[-] a.m. on Monday - and she has only slept less than four hours in total. Do you think it went smoothly? !
The worst 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 angry, but he didn't vent it out, he just used small details to show his resentment.

Liu Minghao sat on the side, watching this scene with a smile, and found it very interesting.

Of course Han Lie could feel it, but instead of comforting Lu Shuli, he turned his head and asked Liu Minghao: "After this project, will Xiao Lu be able to be on his own?"

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

Lu Shuli raised her head immediately, pursed her lips and looked at Han Lie.

A little petite~~~
Working in the Red Circle is a starting point that almost all fresh graduates of law can't even dream of.

It is difficult to enter the red circle itself, and the threshold is basically a graduate student.

If you just graduated with a bachelor's degree, then at least you have to be a graduate of the "five academies and four departments" in the domestic legal field, plus the national award graduates from three prestigious schools in the Qing Dynasty.

The eight red circles only issue less than 8000 offers to undergraduates every year, and there are nearly [-] top law graduates every year, plus hundreds of LLMs and JDs from Britain and the United States overseas. What level of competitive pressure.

KWM's gold casting plan is about one out of [-] (Fa and Master), and it is rare for an undergraduate student to be selected every year.

Fang Da's pilot plan is not that serious, but under normal circumstances, it is definitely not Lu Shuli's turn.

She was able to enter Fangda for an internship, but she didn't know how long the high incense was burned when the family worshiped the ancestors.

Han Lie doesn't quite understand the plan of their institute, but he has ways to warm the hearts of the girls.

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

Liu Minghao smiled wryly and shook his head, pretending to wipe away the sweat that didn't exist on his forehead.

"The starting salary is 25K, the salary is 15K, the annual leave is 20 days, and there is an extra performance bonus at the end of the year... Leader, are you satisfied?"

"What are you talking about?" Han Lie frowned old-fashionedly, "It doesn't matter whether I'm satisfied or not, the important thing is that Xiao Lu is not satisfied! Sister Li, if you have any ideas, just ask! Pull up 50% in situ."

"what?"

Lu Shuli was dizzy from Sister Li's call, and was stunned for a moment.

Anyone can see her struggle.

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

The starting salaries of the Big Four are basically only around 20K, and the starting salaries of those major international investment banks are slightly higher, around 27-32K, but they only accept masters from prestigious schools.

In contrast, the starting salary of state-owned banks is about 3-5K.

Commercial banks such as Pudong Development, the starting salary in Shanghai is about 6-9K, 13 salary.

For civil servants in Shanghai, the starting salary is between 3.2K-4.8K, and the average salary can reach 5K after three years, plus all the benefits, up to [-] to [-] a year.

Now Lu Shuli's one year is enough for those students who took the public examination 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 can understand that the monthly salary of the deputy department is 10K in 7 years. A monthly salary of 10K is easy.

The gap did not narrow, but widened again.

Civil servants have been stable for 40 years. If they cannot hold power, it will be very difficult for their total salary to reach 400 million.

The senior lawyers of Red Circle have achieved financial freedom in 5 years, and there are also various windows for starting a business.

So which job is more valuable?

To shut up!

If you choose a hundred times, you will be a civil servant!
Well, Su Zi once said: "It's not a top-notch talent, it's better to try your best to get into a good university and then aim to go to the public from the freshman year, the beatings of the society are really not so easy to bear..."

This is the best solution to life, which is to settle for the second best, to admit that you are mediocre, but to work hard and dare to think and fight.

Previously, Lu Shuli was also very envious of her classmates who went to work in the district government.

Mainly feeling confused about the future.

She has never been one of the best students among her classmates. A considerable part of the reason for being able to join Fangda as an intern is because of her good looks. Whether she can stay or not is a matter of choice.

Now, there is no need to consider the issue of entry, but she has to reconsider her future.

The red circle is already the 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 search all over the city, you probably won't find ten.

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

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

Ah yo? !
As soon as this remark came out, Liu Minghao glanced at Lu Shuli in surprise, and then rubbed his chin with great interest.

Han Lie didn't feel the anger of being rejected, so he smiled at the nervous girl.

"It's good. You can see your shortcomings clearly and find more practical needs. A mere legal director will obviously not be your end, so let's work hard!"

What is a man of quality? (Tactical back)
Han Lie's performance immediately made Lu Shuli breathe a sigh of relief, and gave him a grateful look, and a slight red tide appeared in the small dimple behind the base of the ear.

"Alright Mr. Han, I will definitely study hard!"

Han Lie didn't say anything anymore, and turned to look at Liu Minghao with a smile.

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

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

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

At exactly 9 o'clock, Han Lie set off with various documents and went straight to the headquarters of the Bank of Shanghai.

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

As soon as Han Lie's car was about to enter the outdoor parking lot downstairs, a security guard came to ask, with a very polite attitude: "Hello, sir, do you have any business to handle? Non-customers are prohibited from parking 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 walkie-talkie to notify the front desk.

Cheng Shi was so excited, don't mention it.

Ma Dan, after being President Han's driver for so long, it's finally Xiao Cheng's turn to play tricks!

Then Xiao Cheng, who was very vain in his heart, was invited to the waiting area in the lobby downstairs, and got a cup of hot coffee, served by a beautiful receptionist...

And 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 young 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, still stuck in the prime of his tail, with a gentle appearance that smiles before saying anything.

He took the initiative to get up, walked out of the desk, and stretched out his hand far away.

Contrary to his gentle appearance and enthusiastic demeanor, President Kim's opening remarks were very tough and concise.

"Mr. Han, young Yingjie, it's a pleasure to meet you!"

How do you sound tough?

The four words "Young Yingjie" are pronounced clearly, coherently, and accentuated. They are not compliments in the form of greetings, but a definite tone.

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

In contrast, when President Huang of Pufa Development Co., Ltd. saw Han Lie for the first time, his opening remarks were: "Young hero! Xiao Han, do you have a chance to cooperate with Pufa Development Co., Ltd. in the future?"

It's noticeably softer, and actually more polite and distant.

These are the specific behaviors dominated by the spiritual core when different people face the same situation, and finally show the external characteristics.

As for the difference that Han Lie interpreted, uh, I won’t mention the irrelevant ones here. The difference that is more important to him is that President Jin obviously has more autonomy.

Han Lie took two quick steps, not letting Lao Jin walk into the middle of the office, and stopped him closer to the desk.

He clasped his hands up.

"President Jin is Han Lie's senior in every sense, and a model of financial people in Shanghai. Your compliments will be taken seriously by the younger generation!"

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

People have taken the initiative to call you Mr. Han instead of Mr. Han. You can be regarded as a high-ranking person. In the end, you lowered your position yourself. Are you stupid? !
Lao Jin laughed, showing appreciation, and invited Han Lie to the reception area to take a seat.

After exchanging greetings, chatting for 3 minutes, and drinking a cup of tea, the process was completed accurately, and Lao Jin took the initiative to bring up the business.

"Mr. Han, how is the plan for the project going?"

With a solemn expression, Han Lie 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 is similar to what I told Xiao Jin before, with only some changes in details.

Lao Jin didn't read the document very carefully, but he listened very carefully, and his focus was very precise.

"11.5%, make sure it can be done?"

Han Lie nodded resolutely: "Yes. If there is any problem, first use my brokerage fee to make up for it."

Lao Jin shook his head and made a joke: "You collected 3750 million consulting fees from Lao Qi in a few minutes. It seems that you don't have much thought about the remaining bits and pieces?"

How could the rest be fragments!
Han Lie secretly smiled.

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

But in fact, because of Pufa's 200 billion extra assists, Han Lie should not have too much confidence in the reguarantee company's concession!

In the most ideal situation, Han Lie can make up to 10% of the total cost of the magic city project!

In this way, the 1.5% intermediary fee is 1.125 million, plus the consulting fee that has been received before, a total of 1.5 million!
It's too wild, this way is really too wild...

As long as the Shanghai Bank is bigger and has its own elite asset management team, Han Lie will not be able to take such a big advantage.

Shanghai 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 profit of the watch business is only 5.5%, which is a loss..."

"It's a gain of at least 5.5 percent."

Han Lie made serious corrections, and then slowly explained his design with the other party's "willing to hear more" questioning eyes.

"Last time was limited, I didn't speak clearly..."

President Jin smiled and said nothing, knowing very well in his heart that he deliberately did not explain the details, so he listened more attentively.

"After SAIC's subsidiaries get 100 billion corporate bonds, they can only be used for capital preservation investment, supplementary working capital, and general project pre-construction and so on.

Therefore, the only thing that can be given to your bank is a fixed 4.2% annual interest.

But at the same time, the group headquarters no longer needs to allocate project funds to subsidiaries, so it will transfer the 100 billion idle funds that will arrive later to the Securities Finance Department for investment.

The Securities Finance Department will consume the 75 billion Jingang project, and then use the remaining 25 billion to purchase tiered funds issued by our fund subsidiary.

The upper limit of the fund is 50 billion, hybrid, with a closed period of 18 months, 6.5% fixed income for the priority part, and no limit for the risk and return of the inferior class.

The only underwriter and custodian are your bank, the underwriting fee is 1%, and the custodian fee is 1% per year.

So far, the price difference has been basically filled.

The Finance Department of SAIC Securities should buy 15 billion priority and 10 billion inferior ones.

The remaining 10 billion priority is all given to your bank, and your bank can handle it at its discretion, so the younger generation will not comment.

As for the remaining 15 billion high-risk inferior grades, your bank will sell them if they can. If they can’t, I will find someone to make up for it.

How about it, President Jin, are you satisfied with the younger generation's plan? "

Lao Jin was completely dumbfounded.

No, for such a little brokerage fee, you are working too hard, right? !

In fact, in Jin Yu's view, Han Lie has many ways to solve the price difference, 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: "Mainly do the market index, and may also set aside some and put it in a certain bank as a fixed deposit."

Compared with the cost of this fund, the interest of fixed deposits is like a joke, so it should be for some special purposes.

So, the main profit method is the part of the index?

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

Han Lie smiled brightly.

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

Meaning, you shouldn't ask.

President Jin reacted and fell into deep thought.

In the whole plan, all the risks have been taken over by Han Lie, and it is impossible for the Bank of Shanghai to suffer losses.

Uh, no, the correct way to say it is - 100% earned by blood.

If you are willing to make a fuss, you can use your own funds to go around and buy the 10 billion priority shares.

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

Of course, the so-called priority is not a rigid guarantee of capital and interest. If the inferior part loses all, it is still not enough, and it may not be cashed.

But for Han Lie, how likely is this?

Jin Yu has found the video of Han Lie's Pudong Development Lecture, and deliberately watched it.

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

So... is this business possible? !
When Lao Jin started to think about the problem from this angle, in fact, he had already fallen into Han Lie's trap.

Count carefully, kill several birds with one stone, this is it?

******
(End of this chapter)