The world of Chinese style creates a prosperous era for girl groups

"According to what my sister-in-law said, this is roughly what it means: you use one million to buy a house, and the interest for thirty years is one million, which is equivalent to paying two million to the bank; but after the bank helps you advance the one million house payment, it immediately sells your purchase transaction to a venture capital company or a fund company for one and a half million, which means that the bank has made a profit of five hundred thousand; the fund company in the financial market will pay the bank one and a half million, but at a price of two million, set up a fund, and invest in the financial market for the general public to buy the fund. In this way, they will also get back two million immediately, because paying the bank one and a half million is equivalent to making a profit of five hundred thousand immediately. However, they still have to pay the interest on the financial market every year. As long as the fund interest rate is lower than the interest rate of your loan to buy the house, they will make a profit without loss."

"The bank then takes the 1.5 million and advances 1 million to the next customer, which is then sold to the fund company, which gets another 1.5 million back, and the cycle repeats endlessly. The fund company does the same thing. As long as it gets the mortgage from the bank, it immediately starts a new fund plan in the financial market, and the cycle repeats itself."

At the dinner table, Xia Haoyang told others the financial operations that his sister-in-law had explained to him.

Sure enough, everyone at the table was stunned by what they heard. It seemed that they were all poor students in economics.

"Fuck, is it so easy to make money in the bank? Just by transferring money with your left hand, you can make half a million dollars. This is too much." Zhao Yishen was so scared that he swore.

"No, I still don't understand. That fund company, shouldn't it return all of its 2 million funds to consumers? And it has to pay interest. How does it make money?" Juzi frowned and didn't turn around.

This time it was not Xia Haoyang but Zhao Yishen who spoke: "Well, first of all, you have to pay two million to buy the house, right? The bank sold it to the fund company, which means the two million belongs to the fund company, but it will take 30 years to get it back, right? Now he has set up a fund investment, and he will get the two million back immediately. Then he will use the money you pay for your mortgage every month to pay the consumers who bought the fund. Don't you understand?"

"So that's how it is." Many people who didn't understand seemed to finally understand what Xia Haoyang's sister-in-law was saying at this moment.

“So the financial market looks prosperous but is actually very risky. As long as there is a problem at the source, banks, fund companies, and even ordinary investors will be implicated.” Yi Hongling, who also graduated from the music department, is obviously much better than this group of poor students. She immediately discovered the essence and flaws of finance.

"Yes, so private banks abroad often go bankrupt. It seems unbelievable to us. How can a bank go bankrupt when everyone deposits money in it? After listening to the fat man's words and understanding these situations, bank bankruptcies are not surprising. As long as more people repay their loans in advance, or more home buyers default on their payments, the bank will be under great pressure and may even go bankrupt." Old Xie also nodded.

"So the development of the financial market or the financial economy must be based on a strong real economy. Only with a strong real economy as support can the financial economy be several times or even dozens of times stronger."

"The U.S. government now owes more than 35 trillion dollars. This is because there is a problem with the real economy, the foundation of the financial market. In the past, it used the global real economy to support its financial economy, but now China's real economy accounts for more than half of the world's total, and the U.S. cannot get enough wool, so it is on the verge of collapse." Xia Haoyang narrated the original words his sister-in-law told him.

"No, what do these things you have been talking about for a long time have to do with us? We are just in the entertainment industry and have no plans to become financial tycoons. Besides, aren't you discussing whether we should pay off the mortgage in advance? Why are we talking about this? It seems so far away." Li Tianci asked stupidly.

"Is there any need to ask? Of course I have to go back early. Why should you use my money to make money? Humph." Juzi was very angry.

"Juzi, don't pay it back in advance. We don't need that much. Although the bank doesn't say there will be financial turmoil if we pay back the money, you should just forget it and don't bring trouble to the banking system." Zhao Yishen is a person who would rather suffer a loss himself than cause trouble to others.

"Hmph, you are the only good person." Although he said that, Juzi was no longer stubborn.

"Come, have some chicken wings. The wings are roasted. Juzi, take one first." Old Xie decisively changed the subject. Although he was a layman in economics, after several years of being polished by society, everyone had become savvy.

The night is as dark as ink, and the moonlight is as bright as water. The early morning of May in Yancheng is quiet and beautiful. The streets and alleys are quiet, with only a few vehicles passing by occasionally, making slight noises. The street lamps emit a dim light, illuminating the quiet streets. The air is filled with a faint floral fragrance and a fresh breath, which makes people feel peaceful and comfortable. At this time, Yancheng seems to be sleeping in a dream, waiting for the arrival of a new day.

Generally speaking, after eating and drinking at Xia Haoyang's place until midnight, we would basically stay here. First of all, it provides a place to stay, and everyone is so familiar with each other, and it is also close to the company for work tomorrow.

But there is a big event tomorrow. The private plane ordered by Fat Cat Studio will be delivered to Nanjiao Airport, which makes everyone very excited. However, Baguo Village where Xia Haoyang's villa is located is quite far from Nanjiao Airport, so Juzi thinks that he would rather rent a hotel near Nanjiao Airport tonight and see his own plane as soon as possible.

Juzi's proposal was agreed by everyone headed by Qin Jiali, so except for Xia Haoyang and Zeng Jingyi who were not interested in private jets, Xiao Mengyan followed everyone to drive to Nanjiao Airport in the early morning. However, everyone had booked a hotel online early, so they were not worried about having no place to stay early in the morning.

Xia Haoyang and Zeng Jingyi simply cleaned up the dining table and then returned to the bedroom on the third floor together.

"I didn't drink a drop of beer today." Xia Haoyang sat on the head of the bed, looking at Zeng Jingyi who had just come out of the bathroom with a warm expression.

Zeng Jingyi, who was drying her hair with a towel, blinked and sniffed: "What's wrong with not drinking?"

"If we don't drink, we can continue our unfinished business. The revolution has not yet succeeded, and comrades must still work hard." Xia Haoyang had a serious face and his right hand was clenched into a fist.

Zeng Jingyi looked at Xia Haoyang, who was sitting at the head of the bed, with a rogue look on his face, and shook her head: "Then why don't you go take a shower quickly."

"Yes, sir! I'll go right away! I'll make sure to complete the task!" As he said that, Xia Haoyang casually threw the phone in his hand onto the bed, rushed to the bathroom in small steps, turned on the faucet, and couldn't help singing a song while taking a shower.

Zeng Jingyi, who was still drying her hair outside, frowned when she heard the unpleasant singing voice, but then she smiled knowingly. In her eyes, her lover was a talented genius, but sometimes childish and cute.

As I said, in the eyes of the person you love, everything about you is an advantage, or she can find advantages in it. Other people’s naivety is stupidity and a reason to hate them, but when she loves you, your naivety is cute and a reason to like them.