Game within game: chess player

"Hello, Mr. Ye! I didn't expect you to be so young. Come on! Please take a seat!" When Zhang Yunshan looked at Ye Fang, his eyes flashed with surprise. Compared to Xiao Huo's insinuations, Zhang Yunshan only recognized the numbers in the account. With more than 500 million in his account, Zhang Yunshan knew that the young man in front of him was no ordinary person.

"President Zhang, you are too polite." After sitting down, Ye Fang skillfully made Zhang Yunshan tea, and then poured the tea cup in front of Ye Fang.

"Mr. Ye, this is the Dragon Well that I just came down from. You can try it first and then we can talk." Zhang Yunshan said with a smile.

Ye Fang picked up the tea and smelled it first. The aroma of tea came over him, and the tea was refreshing in his mouth. Even though Ye Fang didn't know how to taste it, he still sighed "Good tea!"

"This is half a kilogram of Longjing that I asked Mr. Ye to pack. Don't be too little. This new Longjing is too rare. Take it back and taste it slowly." Zhang Yunshan said and placed a beautifully packaged paper bag on Ye Fang underfoot.

"President Zhang is too polite. Let's talk about the deposit directly." Ye Fang accepted the tea leaves unceremoniously. This was basic courtesy and also represented recognition of Zhang Yunshan.

"That's it..." Zhang Yunshan then gave Ye Fang a detailed introduction to the deposit business launched by the bank and the preferential interest rate for Ye Fang. Ye Fang was born in the University of Finance and Economics and was very familiar with the bank's deposit business. The money sitting in Ye Fang's account is indeed useless in the short term. The monthly rent of the properties currently rented out is tens of thousands, which is enough for Ye Fang's daily expenses. It’s just that Ye Fang knew that Zhang Yunshan must still have something to talk to him about. Sure enough, after chatting again, Zhang Yunshan talked about the real purpose of inviting Ye Fang here today.

"Mr. Ye, I invite you to come here today and I have one more thing I want to ask you for help with. You know that banks have many assessment indicators every year. As the head of a bank, these assessment indicators alone are enough to give me a headache every year..."

"You mean the loan, right?" Ye Fantuan interjected.

Hearing Ye Fang's words, Zhang Yunshan's eyes immediately lit up and he hurriedly said, "Yes, yes. It's a loan. Near the end of the year, I would like to ask Mr. Ye to borrow some money from me to help me complete the task targets. Regarding the loan interest rate, you can Don’t worry, I will definitely give you the lowest price.”

"This matter..." Ye Fang thought about it seriously, and suddenly an idea flashed in his mind, and said, "The reason why I opened an account with your bank is because the custody account of my stocks is with ICBC. With these more than 500 million in a short period of time, I Maybe not, but I will prepare to invest in the future. I would like to know how much amount you can give me if I use my account to add leverage loans?"

"Well...if that's the case, when we participate in supervising the funds, the loan limit is 90.00% under normal circumstances. If it's you, I can give you 500%. 400 million funds. You can make a quota of [-] million, what do you think of Mr. Ye?" Zhang Yunshan asked cautiously.

In the late 90s, the country did not regulate the entry of loan funds into the market. This is a financing model often used by many super financial predators in the stock market. Funds plus leverage can obtain multiple investment benefits. Zhang Yunshan once provided up to three times the leverage for an institution, but for individuals, especially Ye Fang, who was working with him for the first time, being able to achieve 90.00% is already very high.

Ye Fang nodded after hearing this. He did not directly express what he meant, but continued to ask, "The five houses within the third ring road of the city are estimated to be around 90. I wonder how much you can give me?"

"You own five houses in the Third Ring Road?" Zhang Yunshan suddenly looked shocked after hearing this. A financial analysis meeting within the ICBC system has just been held. At the meeting, well-known domestic economic experts were invited to give predictions on the future development of various industries in the country. Among them, the real estate industry is the most optimistic. This expert predicted the next five to ten years. The country's real estate will usher in a wave of skyrocketing opportunities. Houses within the Third Ring Road of the capital will become out of print and will definitely exceed the [-] yuan mark in the future.

This prediction made the banking system immediately increase its support for real estate loans. The system's internal documents can grant up to five times the loan limit for real estate loans within the third ring road of the capital. This means that everyone is extremely optimistic about the future housing prices in the capital. Of course, this is only internal information from the bank. People have no idea that housing prices in Beijing will skyrocket in the future, not to the level of [-] yuan, but to the level of [-] yuan.

Ye Fang nodded, and then waited for Zhang Yunshan to give his quotation.

"If you can mortgage all five properties with me, I can give you up to three times the leverage." Zhang Yunshan stretched out five fingers to Ye Fang.

"So high?" Ye Fang raised his eyebrows and asked casually, "Why is it so high?"

"Real estates within the Third Ring Road are scarce, so the loan amount will naturally be higher." Zhang Yunshan did not say that this was a policy adjustment made within the system based on the country's future economic forecast. In fact, many small banks were unable to Some of the people who grabbed loans for houses in the Third Ring Road even offered five times the loan, which shows that everyone is very optimistic about the future of the real estate industry.

Ye Fang studied finance, so naturally he would not believe Zhang Yunshan's words on the scene, but his sensitive nerves were triggered again. Since the bank can provide three times the leverage, it means that the houses in the Third Ring Road of Beijing will have at least three times more room for appreciation in the future, and the bank will never make a loss-making transaction. For businessmen with a keen sense of smell, they will definitely be hoarding houses in the third ring road now and wait for the appreciation in value.

Ye Fang is sure that most people still don't know the news, because when Wang Junhe evaluated these properties, the prices were still very stable, and there was no sign of a price increase. The fact is just as Ye Fang guessed, the internal analysis meeting of this system has just passed three days, and all participants are at the president level. At the same time, everyone has signed a confidentiality agreement, that is, the internal analysis of this analysis is strictly prohibited from external communication.

Once word spreads, housing prices within the Third Ring Road will definitely fluctuate violently, and banks will lose a lot of money in that case. And from the bank's point of view, it is hoped that the customer will not repay the loan, and then the bank will repossess the house, because the higher the loan amount, the greater the monthly repayment pressure, and naturally the greater the chance that the bank will repossess the house.

The reason why Zhang Yunshan dared to give Ye Fang this quota was simply to attract this customer, so that Ye Fang could complete most of the entire year's loan quota alone. After all, people are not used to loans to buy houses, and this kind of loan consumption Cultivation takes time.

After listening to Zhang Yunshan's words, Ye Fang didn't study it in detail. He had to understand it by himself. In fact, these bank presidents also have their own connections, and occasionally they will be revealed to people with special connections. Those who have foresight have already begun to act quietly.

"I wonder what the store's quota is now?" Ye Fang continued to ask.