American Fortune Life

Alvetrie pondered for a while, feeling a little troubled by the boss's idea. To be honest, the idea of ​​cutting the bank's meat is not unworkable, but the premise is that every step of the market change must be on the red heart.

Banks are not fools. The 100 yuan loaned by the bank is 100 yuan currency, not corresponding to the purchasing power at that time. In order to avoid risks, the accountants and actuaries of the bank have already calculated the possible future interest rate changes before the loan. The interest rate It will fluctuate up and down with the market. Of course, in the case of currency depreciation and inflation, there are certain advantages for lenders to earn.

But it is almost impossible to cut the bank's meat by earning the difference in the repayment price due to currency depreciation according to the boss's idea, unless of course...

"Agreed interest rate!" Alvitley spit out a financial term, which attracted all the eyes of the think tanks. Several financial elites looked at Al with a surprised expression of "I heard it right".

Al ignored their strange gazes and looked at the boss Andy, "Boss, I understand what you mean. If you want to earn benefits from the repayment interest rate, in addition to negotiating the agreed interest rate with the bank at the beginning of the loan, There is no other way, but the amount we want to borrow is too large, the bank may not agree, and the best result is to set a floating minimum value, which is not very meaningful.”

Andy was a little disappointed, but hundreds of thousands, millions of dollars is not money, if it is cheap, you will not make a bastard. Be generous in spending money, be stingy in making money, the principles of the successful.

Everyone in the think tank could see the disappointment on their boss's face. One of the accountants raised his glasses on the bridge of his nose, and motioned to Al first. After seeing Al nodded slightly, he smiled and said to Andy. : "Boss, if the Federal Reserve really increases the amount of money by a large margin, issues more dollars, and causes inflation, we can use the money earned from loans to make large-scale industrial investments. We have a huge amount of cash in hand, and we can even invite several Bank guarantee, carry out some acquisition plans of Shetunxiang, in this way, we can expand the benefits we earn due to inflation, even if we don’t carry out the acquisition of Shetunxiang, we can spend the money as quickly as possible , and then use the previously acquired assets as collateral to borrow from the bank. Under inflation, the bank will increase lending. The apple we bought for 1 yuan can definitely lend 2 yuan or 3 yuan. We use these The loans before inflation are repaid, and the rest is reinvested. In the case of inflation, it is really sorry for the generosity of the major banks not to increase the debt ratio.”

Al also nodded in agreement, and then said to Andy: "After the real estate bubble bursts, the banking industry will definitely be affected next. We can completely spend the profits we made in DS to make mortgage loans, and use these loans to invest Going to the capital market, shorting the banking industry and harvesting profits, I think this is undoubtedly the best solution, and can tear a piece of meat off the major banks!"

Andy listened carefully to the think tank's analysis, nodded and said: "Then that's it, I saw the briefing sent up yesterday,

For the first time, HSBC Holdings increased its provision for subprime housing loans in the United States, and warned that it could significantly increase the provision. The clarion call has been sounded, and the plan can be carried out in an orderly manner. We need to integrate resources and start screening lending banks. We want the most favorable interest rate, and at the same time negotiate the agreed interest rate as much as possible. I think the repayment ability of these high-quality assets under my name is very high. Guaranteed, I don't think the bank will refuse. "

Alvetrie nodded, and the next meeting time is to start assigning work. After all, the loan negotiation with the bank cannot be completed in a day or two. This is not a loan of several million or tens of millions, but a matter of several For a loan of 100 million US dollars, the bank will evaluate all assets, and it will take a long time.

After the meeting, Andy and Al walked out of the conference room together. As they walked, Andy asked Al beside him: "What's new in the contact between Mark Zuckerberg and Microsoft?"

"Microsoft wants to annex Facebook, but Mark Zuckerberg has clearly rejected it. His control is too great. He has said more than once in meetings that Facebook is his life's work, and he will never Hand over to others, and even if he agrees to Microsoft's acquisition, the premise is to maintain the status quo, and he will still control the company. This kind of condition, no company will agree. Microsoft is the next best thing, hoping to acquire a part of the equity, Mark Zach Berg called out a valuation of 7 billion, and it has passed the unanimous consent of the board of directors, and the opinions have been unified. I think that if Microsoft really wants to buy Facebook stock, it will eventually agree to this valuation amount. If If we want to use Facebook stock for mortgage loans, we need the cooperation of the media and the bank to agree with this valuation."

After listening to Alvetrie, Andy groaned while walking, and finally said: "Xiao Mazi will not cooperate with our hype, so let Xi Rui, who is in charge of "Happy Farm", accept several interviews and confirm it from the side. Now there are profitable projects, and after it was revealed to the media that Facebook will raise funds from the outside world with a market value of US$7 billion, Microsoft and the richest man in Xiangjiang both intend to join Facebook’s board of directors.”

"Okay, boss, I know what to do. By the way, boss, are you interested in meeting Jared West, the sales manager of Deutsche Bank?" Alvitley asked the boss with a smile.

"Is that the "number one advocate" on Wall Street who is now selling CDS everywhere on Wall Street? Hehe, it's not the time yet. I don't think he has too many clients. It's too early to contact him. However, this guy has a good vision. This time After the crisis is over, he will become a new multi-millionaire, think about the fact that he can have a net worth of tens of millions just by earning commissions, and his eloquence should be very good!" Andy had heard of this sales manager, and in the movie of his previous life, his There are also a lot of scenes, selling ds to everyone, I really don't know how Deutsche Bank will treat this sales talent who tried to kill his own company afterwards. Andy probably remembers selling a total of 30 billion CDS from this person.

"Hehe, it's not that he has a good vision, but that he thinks that CDS is a profitable financial tool. He doesn't care whether the real estate market will collapse. He only cares about the high commission after selling CDS. I think, Deutsche Bank After the short sale is over, he will not let him go easily, and I don’t know whether it is lucky or unlucky to have such an employee!"

Andy smiled at Al as he walked, he thought of it with himself, since Alvetrie, a homosexual, became his chief investment advisor, and formed a team that does not discriminate against homosexuals, especially the boss Andy has always treated him He didn't show even a little bit of strange eyes. The pleasant working environment made his previously melancholy mentality cheerful again because of being excluded and discriminated against in the workplace. He is also very grateful to Andy, after all It wasn’t when the Rainbow Act was passed across the United States that everyone overcorrected and unanimously advocated and encouraged coming out, thinking that homosexuality is true love.

In his previous life, Andy didn't feel any difference between coming out or being gay. However, the glorious political correctness of being kidnapped and coming out of the closet by the whole world, and the disgust caused by various foreign news reports have a kind of movement I feel, to be honest, this is very black. In fact, what should be discriminated against is still discrimination, but it is just like skin color discrimination, which is transferred from the public to the private.

"Boss, the Sharks of Apple have changed a bit recently, and the stock price has fluctuated a bit abnormally."

Andy curled his lips and sneered: "Not long ago, Jobs released the first-generation iPhone at the San Francisco Global Software Developers Annual Conference, no matter the "touch interface", 3.5-inch display screen and physical He keys, or 2 million pixels. The rear camera is a cross-generational masterpiece. This group of sharks suppressed the stock price before it was listed. As far as Bardstone expected, this is their usual method. Don’t worry, the stock price will rise soon of.

(Please read the author's statement for the follow-up of this chapter, thank you for supporting the genuine version, here it is)