Shenhao: I can see the goddess’s wish list

Chapter 527 A new storm has appeared!

Tang Ya shook her head, "Do you know the essence of bank profitability?"

"I understand!" Luo Feng said, "Your bank eats the interest difference, the low interest rate for savings customers, the high interest rate for loan customers, and then earns the difference? Right?"

Tang Ya nodded affirmatively, "That's right!"

"Our bank gave your family 2.5% for six years! There is a total of 15% interest, which is a full million. It seems that we will make a profit, but in theory we will lose money!" Tang Yadao .

Luo Feng nodded in understanding.

Theoretically, their bank would lose about 30 million.

But that won't be the case.

Because few savers will save six years at a time, let alone two billion in funds.

Banks will also make money.

The large number of retail investors is their opportunity to make money.

And 20 billion yuan is too much money in the bank. If you get it out, it is a way for ordinary people to buy houses: to preserve the value!

Even if you earn less.

But stability can be taken back, so what are you afraid of?

You know, you can throw away 20 billion in funds at one time to maintain the value of these 20 billion!

"Mom, you guys are working really hard, but you don't have much achievements like this?" Bai Ningbing said sincerely.

Tang Ya said, "Actually, it doesn't matter. I don't pursue high income, so naturally I won't be too tired!"

Luo Feng said half-jokingly, half-seriously, "If I need a loan in the future, I will contact Auntie!"

"Okay, I will help you within the maximum scope of my authority!" Tang Ya promised.

"What if the limit is very high?" Luo Feng asked.

"How tall?"

"Several billions!" Luo Feng said, "We mainly cooperated with banks in Beijing before. Currently, we have two loans, both of which are around 0.8 billion, with an interest rate of and a loan period of ten days!"

Tang Ya shouted, "Ten-day loan cycle?"

"Well, there is no way. In the short term, the interest rates are very high. For example, if you rent a house to others, the price will be different for one year and one month." Luo Feng said with a smile.

"Is there any collateral?" Tang Ya said, "Is it just a simple credit loan?"

"Of course there is collateral, and the collateral is definitely worth two billion!" Luo Feng said.

"The person who handles it is going to die laughing." Tang Ya said with a sigh, "For your kind of ultra-short-term loan, and there is enough collateral, our bank generally does not calculate interest for depositors, and gives a share to the person who handles it. Extremely high. I guess it’s at least about ten percent, right?”

Luo Feng was surprised, "That's about 1.6 million?"

"Yes, but there are almost no such customers. I haven't seen them in more than ten years, and I heard you say it once!" Tang Ya said.

Luo Feng responded with a smile, "Then next time, when you need a loan, I hope Auntie can help with it!"

"No problem!" Tang Ya agreed directly, and she secretly began to look forward to the next time.

Around 2:30 in the afternoon.

Luo Feng finished eating the last piece of apple and said, "Baby, let's go to the International Financial Center?"

Bai Ningbing first glanced at Tang Ya next to her, then glared at Luo Feng fiercely. She loved Luo Feng very much, and also liked Luo Feng calling her baby, and even calling her wife, but in front of her mother, she just Shouting like this?

Luo Feng is too arrogant?

Bai Ningbing hummed and said, "Why are you going to Guojin again?"

"Is it the Chinese New Year? Let's go buy some new clothes!" Luo Feng said, "By the way, Auntie, you can go too. Thank you for the good conditions you secured for Jiamei before. If you hadn't told me, I would have thought that Jiamei's Loans are a big business!”

Tang Ya said, "It is indeed a big business, mainly reflected in the weighted coefficient of promotion!"

After all, if the bank doesn't make money, can it still give Tang Ya money? It can only be said that it has functions, but there is no profit sharing.

"Harm!" Luo Feng invited again, "Auntie, would you like to come too?"

Bai Ningbing said coquettishly, "Mom, can you come too?"

Only then did Tang Ya agree, "Okay then, I'll go with you to take a look!"

Mainly because Tang Ya didn't want to stay at home alone.

She often stays at home alone, and after finally having a vacation, she also wants to go out for a walk.

<divclass="contentadv">After Tang Ya agreed, Bai Ningbing took Tang Ya to change clothes. Luo Feng waited in the living room. He checked the special information related to gold.

I hadn't looked at it carefully before.

Then Luo Feng was surprised.

This news actually records gold price information.

Yesterday's international gold price was 345 yuan per unit.

In this special news, it was actually recorded that the price had reached around 450 yuan.

And the time is just one month later?

That's a bit interesting.

Luo Feng thought silently, can he make money through this news?

Absolutely! Even if you choose the worst paper gold investment, at a price of around 345, you can get a minimum profit of %, okay?

What if you choose futures?

Add a little bit of leverage.

Then the answer is not as simple as 30%, right?

But there is a problem with gold futures.

In this special news, only on February 24, the price of gold will reach 450 yuan per gram, and there is no clear trend chart.

Luo Feng checked today's gold price again and found that it was 343 yuan. Has it dropped a little?

This is where the problem lies.

There is no specific trend information.

What if it falls too much midway?

In a situation like futures, your position is forced to be liquidated directly. What should you do? look on in despair?

All funds are gone.

After all, futures are originally a margin model, and they also use leverage? If gold falls a little too much, your money will be lost.

I'm afraid that if you wait for the price to rise to 450 yuan, you will run out of money midway and won't hold on until then.

Of course, this is just one risk, there are other risks in futures, and that is surge! .

A wave came down, and Luo Feng's 20 billion capital could be converted into a maximum of 3 million US dollars.

In the face of the overall volume of 20 trillion US dollars, it is not worth mentioning at all.

Therefore, it is impossible for Luo Feng to operate with high leverage.

He doesn't even know how to do it right away.

Prepare to observe for two days before talking!

However, funds can be mobilized in advance.

After all, soldiers and horses move forward before food and grass are used. This is the same principle as in ancient wars.

Luo Feng immediately started sending messages to several brothers in the capital.

"Is everyone here? Come out!"

Chen Dali immediately sent a message, "He's here!"

Li Bokai: "Yes!"

Lin Xiaoyun: "Here in Sichuan City, I will go to the Magic City the day after tomorrow or the day after tomorrow to arrange a one-stop service for my style!"

Li Bokai: Thank you for the invitation. There really are dragons in this world, and I have been served by them!

Lin Xiaoyun:

Chen Dali: Brother Feng called us for something?

Luo Feng: Have you spent all your money?

Li Bokai: I seem to smell that thing?

Lin Xiaoyun: I didn’t spend a penny, it was all others who spent the money, and I just ate, drank and had fun!

Luo Feng: As expected of you!

Chen Dali: As expected of you!

Li Bokai: The number one picker in the capital, well-deserved!

Luo Feng: You should count how much money you have first, and then report the number!