Future chat group

"Lei, do you have any questions?" Fox took a sip of the coffee brought by Li Yingfeng to refresh himself.

"Is it you and Buhler who are doing the bond credit rating?" Lei Hao asked.

"Yes, Buhler is mainly in charge. I approve all expenditure items, and I am also responsible for the insurance of the bonds..." Fox had a tendency to ramble on.

Lei Hao raised his hand to interrupt the other party's narration, turned his attention to Buhler, and asked: "I want to know more about bond credit ratings."

"OK, in fact, the procedure we followed is universal." Buller shrugged.

Now Forest's bond project has only just begun, and it has only just started contacting the staff of the credit rating agency. Therefore, let alone Buhler, he will not play tricks on it. Even if he wants to do it, he will not choose the current time.

"We wanted to improve Forest's institutional credit rating from BB, so we still found people from Standard \u0026 Poor's. Fortunately, I have a classmate who works in the bond project rating department. According to him, the Forest project can get BBB+ to A- level, if everything goes well, the company's credit rating can also be raised by one or two levels..."

Buhler spoke naturally, while Lei Hao listened and thought.

Forest's current credit rating is BB. Above this level, there are eleven detailed grades: BB+, BBB-, BBB, BBB+, A-, A, A+, AA-, AA, AA+ and AAA, with fewer points. There are also two levels away from Grade A.

Generally speaking, credit ratings of BB+ or below can be said to be junk bonds and high-risk bonds. Not only are the coupon rates of such bonds higher than ordinary bonds by at least 4 percentage points, they are also more difficult to sell, let alone sold to the public. permission.

But the three major rating agencies are just brothels. If you have money, they can still give you a good rating even if your qualifications are slightly inferior. The reason is very simple: price.

According to credit rating agencies, if the rating is high, more manpower is needed to calculate certain detailed items. If the rating is lower, many things do not need to be so detailed. Anyway, just give you the word "bad".

Forest has not made any progress in the business areas of stable income such as customer financial management and brokerage. It has been operating in high-risk areas after new funds came in. Standard \u0026 Poor's can see this from the financial flow, and because of Forest's losses some time ago, they Lowered Forest's credit rating.

Now that Forest wants to provide credit ratings for bond projects, it can choose to kick out Standard \u0026 Poor's, stop disclosing some financial flows to the other party, and then find other institutions to do this business, but it can also choose to deepen cooperation, and then... you know.

Lei Hao recognized the choices of Buhler and Fox. From the detailed reports of the two subordinates, he could also see that everyone worked seriously and truly thought about Forest.

So what went wrong? The credit rating fiasco is almost open to the public, but whoever lifts the lid will offend not only Forest, but also Standard \u0026 Poor's.

Buller's friend? Or someone else?

Lei Hao had a headache.

"Lei, is there any problem?" Fox helped translate some words from time to time. Seeing Lei Hao's thinking state, he couldn't help but ask: "There is nothing wrong with our program."

"No problem, I just want to know more." Lei Hao laughed at himself helplessly: "You know, I'm just a junior college student, and I need to learn a lot of things."

"Comeon, Ray, are you kidding us employees who are community college graduates?" Fox said with an exaggerated smile.

There is no distinction between undergraduate and junior college in the United States, but there are general universities and community colleges. China's junior college degree should be somewhere in between.

Lei Hao's academic qualifications have always been a weakness. Fox and others are actually curious about where Lei Hao's abilities come from. In the end, they can only be attributed to the specificity of genius.

"To be honest, Ray, I really want to go to your alma mater to further my studies." Buhler also winked and joked: "Although I am a graduate of Kellogg College of Northwestern University."

"Wow, Buhler, that's good flattery." Fox said funnyly: "But you are still suitable for customer development work."

"Damn it, Fox, you look down on people. Now I enjoy the feeling of being exploited by customers." Buhler said with a smile.

These two guys have no worries at all. Forest is doing extremely well under the leadership of Lei Hao, and everyone is very motivated.

Lei Hao also had a smile on his face and called Fox and Buhler over. He just wanted to know the detailed progress of the project and grasp the overall progress.

Now it seems that Buhler and Fox have been advancing the plan in accordance with the established method. The only possible problem is vaguely pointing to Buhler's classmate who works at Standard \u0026 Poor's.

"What should I say?" Lei Hao suddenly hesitated.

What will happen in the future may not necessarily happen because of your own changes, and if you alone know the trend of future changes, you will definitely not be able to tell it.

"Fox, Buhler, while the project is progressing, I want to ask you for something." Lei Hao put aside his hesitation, looked at Li Yingfeng who had been standing beside him, turned back to his two subordinates and said: "Ying Feng has been with me for a long time, let him participate in this matter and accumulate some experience."

"Senior brother." Li Yingfeng's face was full of surprise. When he saw Lei Hao turning his head with a suggestive expression, he immediately fell silent and pretended to be shy.

For Li Yingfeng, he didn't want to lose his assistant position at all. He was also very self-aware and had long decided to be Lei Hao's assistant for the rest of his life. This was the most suitable position for him.

It would definitely be okay to learn and accumulate experience, but now... it shouldn't be.

Fox and Buhler were also confused. How many people in the United States did the boss have that they could fully trust? Leo can only be counted as half of a dozen. Only this unassuming assistant is completely trustworthy.

And after this period of observation, everyone in Forest knows that Lei Hao can hardly do without Li Yingfeng. It can be said that Li Yingfeng is Lei Hao's extended right and left hand, carrying documents, running errands, pouring tea, confirming the itinerary, etc. It was all done by Li Yingfeng.

So the question is, boss, what do you mean by sending your right and left hands over? Well, objectively we can understand this approach, and we can also accept the rhetoric of learning and accumulating experience, but it is absolutely impossible to say that we are willing to do so.

"Lei, don't worry, Li and I will definitely work together very well." Fox was just stunned for a moment, and then said with a smile.

Buhler was not slow to respond. As soon as Fox finished speaking, he took over and said: "Ley, you have provided a good opportunity for us to establish more personal relationships with Li."

That being said, a feeling of distrust could not be dispelled from the hearts of Fox and Buller.