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The retail business of commercial banks in the United States is very different from that in China. The answer lies in the small deposits. Foreigners are accustomed to living in a hurry, and credit business is the top priority of the retail business of American banks.

If reality permits, and if the interest on financial products is higher than the interest on loans, foreigners are a group who dare to swipe their cards to buy financial products.

This leads to explosive growth in retail business when you have a good product.

Forest's bonds have a BBB-rated shell and an A-rated or above core. When Lei Hao distributes these businesses, it is easy to find others to take over, and it cannot even penetrate the level of ordinary scattered customers.

Judging from the information fed back by Fox, within two days of the weekend of the 6th and 7th, Lei Hao found out that he had secured the US$20 million he wanted. Several small commercial banks in Manhattan's Chinatown ate up the bonds with a smile, and then He opened his mouth and asked: "Is there any more?"

Even if you don’t look at the floating income part and just focus on the 4% interest, Forest’s bonds are also a very good investment project. These 20 million can solve part of the idle funds of small commercial banks. When money starts to flow, they You can do a lot of things.

For example, A-level customers can recommend them to buy Forest bonds, and securities originally reserved for A-level customers can be recommended to B-level customers, and so on, and the entire bank's capital flow becomes alive.

"Damn it!" Yuhua Bank, which could not get this batch of business, immediately knew that Forest was targeting him.

Lei Hao spread out his business. The 20 million yuan was not a lot of money. The purpose of spreading it out was to improve the business environment of his partners. However, he could not resist the fact that the bank branch he chose was very clever. It was so embarrassing that he surrounded Yuhua. bank.

What will happen? Yuehua Bank, which was already in trouble, soon found out that its neighbors were handing out laissez-faire, and their troubles immediately worsened.

May 8th, Monday, working day.

"The loss of customers is accelerating." It was still in Martin's office at Yuhua Bank. He looked at George and Chen Jingchu. Their originally dark faces seemed to be able to squeeze out ink.

"Isn't this what was expected? Yuhua's financial risks have intensified, and we would have lost the trust of some customers." George argued, but he had to admit that he had missed Lei Hao's tactics, but it was not a big deal. matter.

"Forest's bond issuance project is aimed at stock market investment. Has the U.S. stock market risen or fallen in the past six months? He cannot issue bonds of too large a scale." George added.

"Maybe?" Chen Jingchu shook his head and said, "I have a bad feeling. Maybe we should be grateful for the T+3 capital delivery rule of the US stock market, which allows us to have a three-day buffer period."

George turned his head and said: "I admit that I misjudged the other party's psychological price, but how could things be worse? If we accept a low price, what does it have to do with us that Yuhua gets 20 million high-interest bonds? We If you don’t accept it, you just have to accept the worst case scenario, what’s the big deal?”

"I hope so." Martin and Chen Jingchu exchanged glances without saying anything, but they had already made other plans in their minds.

In fact, Lei Hao originally wanted to buy a basic market first, but now that he has skipped the first step, his plan will be spread out even more. There are pros and cons, but there is no doubt that 20 million US dollars is very important to Forest. It’s just a starting capital, but it’s also a kind of pressure.

"According to the contract, we must abide by the three 10% principles, that is, we must not invest more than 10% of the funds in a single stock, hold shares must not exceed 10% of the market value of the target listed company, and the stop loss line cannot be higher than 10%. I think indeed……"

In Lei Hao's office, Arman and Leo sat across from Lei Hao, both holding a stack of documents in their hands. Arman said calmly: "BOSS, we are extremely short of manpower! God, Do you know how many days I haven’t gotten off work normally?”

"But you enjoy it, don't you?" Lei Hao winked and joked.

There were several bursts of laughter in the office. Both Arman and Leo seemed to be enjoying themselves. They were happy to accept Lei Hao's leadership, but the workload was too much.

It doesn’t matter if we have to work overtime on Saturdays and Sundays. Boss, you finally let us go home and sleep at 12 o’clock one day.

LEI's over 100 million dollars has already overwhelmed the investment department, and now there is also a stock market investment of 20 million U.S. dollars to take care of new projects. Arman and Leo want to die.

"Armen, I allow you to simplify the analysis report. As for Leo... you can reduce the harvesting steps of technical arbitrage, or assign more work to newcomers. After more training, they will mature." Lei Hao ordered : "I don't mind spending money on team training."

Lack of people is a problem that Lei Hao has always encountered. China's Thunder recruits people all year round, and it has only been a month since it entered the international market. LEI, Forest or the upcoming Oasis Securities cannot satisfy Lei Hao's appetite.

Arman and Leo are now complaining to Lei Hao's office because they are too busy. Without enough human resources to allocate the new 20 million, it will lead to a more extensive investment method for the entire project.

But Arman and Leo were definitely not refusing. After hearing Lei Hao's words, they felt relieved and began to show their attitude that they would work hard.

"The most important thing now is to have more visible benefits." Lei Hao listened to Arman and Leo's determined words, but his mind had already drifted to the stock market.

Only if the interest on the 20 million bond increases and those bankers see a profit, will they pounce on it and wag their tails.

Yuhua will only become anxious if more people rush forward and wait for him to lose some of his flesh and blood.

In the end, as long as this happens, even if Yuhua doesn't bow his head, he will have other ways to go!

"20 million US dollars is just the beginning for me." In the field of investment, Lei Hao no longer belittles himself.

After a month in the United States, the infrastructure construction was finally about to be completed. How could Lei Hao fail at what he was best at?

Even though there are three 10% limits, and even though the turnover rate and trading volume of U.S. stocks are lower than those in the Chinese market, there are no limits on the rise or fall, there is a market maker system of large institutions, and the game method here can maximize the individual's potential. ability.

On the morning of the 8th, Lei Hao spent 20 million US dollars in the blink of an eye. With a small amount of funds, he could even start ultra-short-term and leverage financing without any scruples.

Under the stunned gaze of Forest and others, book profits of 5%, 10%, and finally 15% appeared on it.

"Announce the account status to bond underwriting institutions, request greater bond issuance authority from insurance companies and third-party guarantee institutions, and issue underwriting consultations to several commercial banks in Chinatown..."

In the afternoon, when the book profit appeared, it meant that Lei Hao's plan could enter the second step. He immediately told Fox: "This time, it's not us who should be anxious."