Men and women eating in the courtyard

Li Xuewu didn't answer Liu Haizhong who kept thinking casually, but glanced at the elder who wanted to speak, then looked at Yan Fugui who was standing in front and said: "Third uncle, you have been watching, please bear witness." .

Yan Fugui wanted to hide back, and even wanted to say that he didn't look at anything, but Li Xuewu's tone was not one of negotiation, and he didn't dare not agree.

Li Xuewu put away his gun, kicked Liu Guangfu on the ground, and said, "Stand up."

Liu Guangfu was flexible and flexible. Li Xuewu asked him to stand up, so he stood up.

At that time, he still wanted to play rogue. It was obvious that Li Xuewu was serious and he would not dare to talk nonsense again even if he was beaten to death.

Seeing his third child standing up, Liu Haizhong also shut up.

The first uncle looked at Liu Guangfu, then looked at the third uncle and asked, "What's going on?"

"that……"

Yan Fugui raised his hand and pointed at the trembling Liu Guangfu who was standing there. What did he want to say? He looked at the old man's eyes and met Li Xuewu's eyes and mixed the garlic in his mouth.

After all, being a witness is a job that offends people, and he doesn't want to do it.

But Li Xuewu stood here and called his name. If he dared to lie, Li Xuewu could really deal with him.

"I saw it as soon as I went out..."

Yan Fugui got stuck again while he was talking. He pointed to the place where Liu Guangfu was lying just now and said: "As soon as I went out, I saw Xuewu beating Guangfu."

The first man frowned slightly, glanced at Li Xuewu, and motioned for Yan Fugui to continue.

This matter is very obvious. Why is this suspenseful? Can Li Xuewu be as knowledgeable as a child?

If you really take action here, you haven't even left yet, and you still dare to touch this guy, how confident and confident you are.

Yan Fugui's explanation later confirmed his suspicion: "It was Guangfu who ran in from outside and bumped into Xuewu before his eyes. That's what happened."

After speaking, he spread his hands and said, "I started seeing it from here, and everyone behind me saw it."

When the people around him saw Yan Fugui looking over, they all took a step back, saying that they were just watching the excitement and did not want to testify.

The first man saw that Li Xuewu was silent and gave him a look, and then he spoke.

Seeing that Yan Fugui had finished speaking, he looked at Liu Guangfu, who had his head lowered and his arms folded, and asked, "Is this what your third uncle said?"

Liu Guangfu didn't look at the elder brother. He raised his head and glanced at his second brother first, and then at his father. Seeing that the whole family was not ruthless, he knew that the matter was over.

What's the use of just being cruel here? He cried twice and the gun barrel was knocked back.

Seeing that he didn't speak, the first man looked at Liu Haizhong again. The two of them hadn't stood together like this for a long time.

Liu Haizhong also understood what was going on. The two sons were running around the courtyard and bumped into many people.

The second child is a little older and has become more stable, but the third child is different. When his legs are working hard, this kid wants to run when he lifts his legs, but it is like a dog chasing him away.

"That...cough!"

Liu Haizhong didn't know what to say. He didn't have enough confidence when facing Li Xuewu. Like Liu Guangtian, he didn't know how to speak.

Li Xuewu didn't wait for him to formulate his words. He shook his chin and said to Liu Guangfu: "I never told you before that I wouldn't let you run rampant in the yard. Old ones, young ones. Who did you hit? I can bear it.”

As soon as he said these words, the people in the courtyard spoke first, pointing to Liu Guangfu's past experiences of being bumped into or scared by him.

The third aunt was very diligent and told the story about the eldest daughter-in-law being frightened, which made the people in the courtyard even more dissatisfied.

Where are the pregnant women? What about the joke?

Giving birth to a child has to go through the gate of hell, but you still have to go through Liu Guangfu?

Faced with the accusations from people in the courtyard, the Liu family also knew who was at fault.

The three masters of the Liu family were silent, and the second aunt said with a crooked look: "Then we can't beat him like that!"

"If you don't beat me, why don't you keep him here for the Chinese New Year?!"

Li Xuewu glanced at the second aunt with his eyes raised, and when he saw Liu Guangfu looking over, he looked a little unconvinced and slapped her in the face.

"Snapped!"

"you!"

"Buzz~"

This slap was so sudden that the Liu family did not expect it, nor did the people in the surrounding courtyard.

None of them expected that when it came to the "reasoning" step, Li Xuewu would still take action.

Liu Guangfu was also shocked. He pulled the red cloth on his sleeve and shouted: "I am Hong..."

"Snapped!"

"What's red?"

"Snapped!"

"What's red?"

…

Seeing that he still had the guts to resist, Li Xuewu slapped him hard.

He was big, had long hands, and stood close to him. Where could Liu Guangfu hide?

Before Liu Guangfu could finish his words, he had already received more than ten slaps on his face.

Qin Huairu stood at the third door and felt her face hurt even as she looked at it. She knew how powerful his big slap was, and it would make her butt red for several days.

Originally, she didn't want to come out to watch the fun, but her mother-in-law wanted to come out to watch. She was afraid that her mother-in-law would cause trouble again, so she followed her out.

Okay, just as she was watching, when she turned around, her mother-in-law was gone.

I walked around but couldn't see anyone. I thought I was going home, but I didn't know why I ran away before finishing the fun.

There was nothing to see in the commotion in the front yard. Li Xuewu beat him hard. The second aunt tried to stop him, but she was dragged to death by her son.

Liu Guangtian dares to let go?

He finally figured out that his brother might have taken the blame for him.

Another thing is that Li Xuewu is also using his younger brother to establish his authority. These little brats are the ones causing the most trouble in this courtyard recently.

Li Xuewu was beating Liu Guangfu while asking Hong what he was talking about.

How could it be red? Didn't you see the two little boys of the Yan family silently taking off the rags on their sleeves?

Liu Haizhong didn't dare to speak, but the muscles on his face twitched as Li Xuewu's slap fell, as if he was hitting him.

Liu Guangfu was beaten so hard that he could not escape until he sat on the ground.

Li Xuewu shook his hand, raised his eyebrows, looked at Liu Guangfu and asked, "Who do you think you are? Who do you think you are in this courtyard?"

No matter how stupid Liu Guangfu was, he would not dare to speak anymore at this time.

Li Xuewu nodded and Liu Guangfu said, "You're not convinced, right? You want revenge, right?"

After saying that, he raised his head and glanced at it, waved to the old Biaozi standing at the door of Chuihua, and said: "Call Jiaodaokou Police Station and arrest him!"

"Learn martial arts~"

"Chu Li, Chu Li!"

…

As soon as he said arresting people, the first man spoke, and his bangs were numb. If Li Xuewu got him in, would he still be able to come out?

Li Xuewu ignored them, looked at Liu Guangfu and said: "A few days ago, didn't you say that you beat so and so, and smashed someone's door? Now let me calculate the total account for you."

After speaking, he raised his head and looked towards the opposite door and asked, "Is it with the third uncle's house..."

"No! It has nothing to do with our family!"

Yan Fugui was smart and knew what to say when he heard Li Xuewu call him Third Uncle.

"He was the one saying that day that our child didn't hit anyone!"

"I didn't say beating anyone, it was Liu Guangfu who said he beat a newspaper editor, and..."

Okay, Li Xuewu asked him to bite Liu Guangfu, but he didn't expect the third son of the Yan family to bite him so hard and completely.

They are both brats, so they naturally know each other's achievements very well, and they are afraid that others will take the initiative to brag about them if they don't know.

Now that Li Xuewu wanted to ask him about something, he naturally followed his father's words and told everything about Liu Guangfu.

Li Xuewu looked at the sad look on the third uncle's face, nodded and said: "Okay, I'll tell you the same thing when I go to the institute later~"

Lao Biaozi has already left. Since Li Xuewu gave the order, it is what must be done.

Liu Haizhong's face turned pale, and the second aunt completely lost her energy and pointed at Liu Guangtian to support him.

Li Xuewu nodded to Liu Guangfu, who was sitting on the ground in confusion, and said: "We can't keep this kind of thing in the courtyard, and there are people who are messing around outside. If it harms our neighbors..."

He only said half of this, but the other half emerged in the minds of everyone in the courtyard.

It's not unusual for a kid to appear in the courtyard. It's just a riot. Now it's happening outside, and the people in the courtyard have no intention of stopping it.

But something was wrong with Liu Guangfu. How could he play such tricks with his neighbors in the courtyard?

Li Xuewu wants to deal with him, and everyone is applauding in their hearts, but no one has a relationship with Liu Haizhong, and there is really no one to speak to his family at the moment.

The first master didn't want to cause a big fuss, but after Li Xuewu finished speaking, he also knew that something would really happen if the atmosphere in the courtyard was not followed.

At this moment, Li Xuewu and others were talking to Liu Guangtian and Yan Jiekuang. Yan Jiedi and others said: "I've made it clear to you. If you have the energy to rush outside and dare to show your identity in the courtyard, you will end up like him."

These words are powerful, because this is what he does on a daily basis, and he never shows off his identity, so he has the confidence to say these words.

The people in the courtyard agreed with Li Xuewu's words and kept nodding.

After all, no one wants to have some monkeys in the courtyard where they live. There is no need to worry if moles appear on other people's faces.

Liu Haizhong had a grimace on his face and wanted to plead with Li Xuewu. Seeing what the other party said, he looked at the elder again and wanted his help.

Yi Zhonghai was also in a dilemma. He had reasons to speak, but he was also worried about not speaking.

Li Xuewu's attack on Liu Guangfu today was obviously not impromptu. He said it was more premeditated, but it should be true in the plan.

Why did Yi Zhonghai think so? Because Li Xuewu's two warnings could not have been given without reason.

Another thing is that the things that the second son of the Liu family did behind Li Xuewu's back have been spread in the factory, and he doesn't think Li Xuewu doesn't know about it.

Of course, he did not speculate on how small-minded Li Xuewu was, but from Li Xuewu's perspective, what he saw was an attitude of nip in the bud.

This can be seen from what Li Xuewu has done before. He really does not leave others the opportunity to retaliate against him.

Cutting off the roots, the Liu family is in danger this time.

With the bastard situation of his two sons and Liu Haizhong's own problems, Li Xuewu wanted to scare the monkeys.

There are also three types of people targeted. One is brats like Liu Guangfu, including those from the Yan family and other families in the courtyard.

If one Liu Guangfu falls down, other people's brats may be able to calm down for a while, or they may no longer dare to act arrogantly in the courtyard.

The other type of people are factory workers like Liu Guangtian, and their world is next. There are so many households of steel rolling factory workers living in this courtyard, and if they can't suppress it, there will really be problems.

In the end, his bangs were hit. Li Xuewu had already put a lock on him, but he still wanted to remind him not to have any evil intentions.

Yi Zhonghai was thinking too much, and he didn't even have time to say anything until the people from Jiaodaokou Office entered the hospital.

Of course, Ji Yuxiu would not come in person. It was Wang Zhiqiang who came, and Liu Guangfu took two Xieqin with him.

Naturally, Yan Jiekuang couldn't run away, so he took her back for questioning. Liu Haizhong and his son sent the second aunt home, and then went back to the house themselves.

People in the courtyard were talking about this matter, including everything from Li Xuewu's strength to the Liu family's lack of teaching, and even some speculative analysis of the current situation.

But as far as Qin Huairu listened, no one felt aggrieved for Liu Guangfu, and no one thought that the hospital would not be able to live without him.

She had watched all the excitement and watched Li Xuewu go out of the Chuihua Gate to the west courtyard before returning to the middle courtyard.

Before she even entered the house, she saw her mother-in-law walking out with a wash basin. She looked into the big basin again and said in surprise: "Aren't these the pants I changed into just this morning?"

"oh"

Mrs. Jia Zhang glanced at her daughter-in-law in a panic, and said hesitantly: "It's dirty, wash it off."

After saying that, he quickly walked to the well without giving Qin Huairu a chance to ask again.

Qin Huairu raised her eyebrows, looked at her mother-in-law's back in confusion, and went home suspiciously.

——

"Why do you smell like powder?"

Sister Lou looked at Li Xuewu suspiciously, then got closer and smelled it again.

Seeing her like this, Li Xuewu asked funnyly: "What kind of powder smell? Why do I have that smell on my body?"

After saying that, he even smelled it in disbelief.

Well, not to mention, the smell of crabapple flowers.

Whose?

Tong Huimei’s?

Sister Lou rolled her eyes. She was too lazy to listen to Li Xuewu's excuses anymore. She threw away the documents in her hand and sat down on the office chair.

Li Xuewu raised his eyebrows, spread his hands and said, "I really don't know."

"It doesn't matter~"

Sister Lou took out a document from the file box and handed it to Li Xuewu and said: "Things in Steel City are going well. Everyone going to the capital has been arranged to board the ship. This is the personnel file."

Li Xuewu twitched his lips, took the document and read it.

The above is the organizational chart of Steel City Dongfeng Shipping and the corresponding job list. It is very formal.

It had to be official. With so many people recruited from the capital, the club, as the co-organizer of Dongfeng Shipping, had to prepare all official documents for investigation.

Of course, the departments in charge were in chaos at this time, so naturally no one came to investigate.

But how could Li Xuewu leave such a big hand for himself? So if someone comes to investigate, it is legal and legal.

He also thought that even if it was irregular, no one would care about him.

Nowadays, those in charge of affairs in the capital, as long as they have some brains, hope that these idle young people will leave.

Who else could be causing trouble on the streets, but young people who don't go to work, don't work, and don't stay at home honestly?

Now there is a family of young people who want to go and are willing to use their unit. Even if it is in Steel City, the capital city is also willing.

"What are you looking at?"

Li Xuewu glanced at what Sister Lou was reading. It was very thick, not like a book, with handwritten text.

"Analysis of the financial crisis in Hong Kong City, what? Do you want to read it?"

Sister Lou glanced at Li Xuewu and gestured to Li Xuewu with the document in her hand.

Li Xuewu shrugged his shoulders and said: "I don't understand finance, and I can't understand it."

“It’s rare”

Sister Lou glanced at Li Xuewu with a slight smile and said: "I can hear things from your mouth that you don't know or understand."

"I don't understand a lot of things, what's so strange about it?"

Li Xuewu spread his hands, then put down the document in his hand, gestured to the document in Sister Lou's hand and said, "But I can listen to the insights inside."

Sister Lou looked at Li Xuewu sitting across from her desk with a serious expression. She shrugged like Li Xuewu and said, "Okay, my boss has checked my work~"

"No, it's about caring."

Li Xuewu smiled slightly and emphasized a word.

Unfortunately, what he emphasized was not the word that Sister Lou was expecting, which also made Sister Lou's subsequent tone sound somewhat businesslike.

"You know what a financial crisis is, right?"

"Hmm~"

Li Xuewu sat back on the chair, crossed his hands on his chest, nodded and said: "You don't need to ask me, just tell me directly. If you don't understand, I will remember it and ask you again."

Sister Lou tilted her head challengingly, pursed her lips, and said, "Okay, let me first talk about the financial foundation of Hong Kong City."

"The financial history of Hong Kong City can be traced back to the 16th century. At that time, due to the continuous expansion of Southeast Asian colonies in the 17th and 18th centuries, a large amount of funds flowed into Hong Kong City from the mainland."

Sister Lou introduced the background and history of Hong Kong City Finance in a simple sentence, and then went straight to the topic:

"Since the mid-19th century, with global economic growth and trade development, more and more foreign capital has entered the Hong Kong market, forming the current global financial market."

"This period is also a stage of rapid development of Hong Kong's financial industry, in which the banking industry plays an important role, which is what we used to call banks and bank accounts."

Sister Lou flipped through the documents and continued: "It is precisely now that Hong Kong City has become one of the world's largest investment centers due to its superior geographical location, complete infrastructure and high-quality talent pool."

"Of course, this is also a breeding ground for crisis!"

Sister Lou knocked on the documents in her hand and said, "Do you know about the real estate industry?"

Thinking of what Li Xuewu said just now, without waiting for his reply, he continued to explain: "In Hong Kong City, the investment direction of commercial banks is the real estate and construction industry."

"A large part of the banking crises that have occurred in commercial banks are related to the real estate industry."

Sister Lou flipped through a few more pages and said: "The year before last, in 1964, the Hong Kong government issued an important document. The "Housing Policy White Paper" announced that 1.9 million resettlement units and 290,000 housing units would be built within ten years. low-rent housing, and relax the qualifications for resettlement housing."

"Should I explain resettlement units and low-rent housing?"

"Slums~"

Li Xuewu waved his hand and said with feigned disgust: "It is said to be a stabilizer of society, but in fact it is a superficial compromise in the face of social problems in capital society, a carrot hanging on the donkey's mouth."

After speaking, he shook his head sadly, expressing his regret for the suffering of people living in a capital society.

"Go on"

"I……"

Sister Lou was a little speechless. She came to this point after fully understanding the social reality of Hong Kong City, as well as the financial structure, social and cultural conditions.

Facing Li Xuewu, a "popular and professional" young man in society, she didn't know how to explain it.

"Okay, let's continue talking..."

"Oh~~English~~"

"Are you still listening!!!"

…

Sister Lou got mad, what happened to her boss? She got mad, and her boss is her little brother.

Of course she is learning English, because the official language of Hong Kong City is English. It is easier to learn English than Hong Kong dialect.

Seeing Li Xuewu's surrender, Sister Lou glared at him and continued talking.

In fact, it is very simple. It is a way for Hong Kong cities to play an adjustment function and alleviate social pressure due to the needs of development and the situation of more and more poor people at the bottom being homeless.

The formation of the public housing policy in Hong Kong City is naturally a good policy for the people at the bottom, but everything has two sides.

Since the Hong Kong government has relaxed rental controls, it has become easier to demolish old buildings and rebuild them, and investment qualifications have been lowered, which has led to a carnival of investment in the real estate industry.

Let's put it this way, you sell barbecue at the entrance of your community and it's very profitable. Zhang San came and looked at your trolley and stove. He thought that he had grown up and he could borrow some money from the bank to do it.

Zhang San did it, Zhang San also made money, Li Si, Wang Wu, and Zhou Mazi also all grew their hands. You think they have all done this, can everyone still make money?

No one can make any money anymore. Can they still repay the money they borrowed from the bank?

What will happen in the end?

The bank took over a bunch of barbecue stoves, the kind that were in excess and of varying quality.

It may seem simple, but in fact, the economy of Hong Kong City at that time was not very complicated, and the principles of finance were not very academic, at least simpler than medicine.

The main force in real estate investment in Hong Kong City is commercial banks, and others include various private capitals.

Competition among banks in Hong Kong is also fierce. Anyone with a little capital can open a bank, collect savings at high interest rates, and seize the deposit market.

Here I have to say that Huashang Bank at this time was rich, timid, brave and fierce, and the best at fighting in groups.

If it couldn't defeat the British bank, it would become insolvent. In order to increase its profits and competitiveness, Chinese Commercial Bank boldly invested a large amount of deposits into the high-risk real estate industry.

The influx of capital will inevitably bring about bad debts. What will happen if the liquidity of their banknotes decreases due to their small size?

The relatively large Chinese commercial bank that was first hit was Liu Bank. At that time, its real estate loans accounted for more than 70% of the total deposits.

As mentioned earlier, information in this era is underdeveloped, and savers are easily affected by rumors.

The newspaper industry in Hong Kong City at this time is a quagmire, and there is no need to take responsibility for what you say.

Liu's Bank had an unstable foundation and aggressive business strategies. In 1961, it was attacked by rumors, and the crisis of trust directly caused its collapse.

The key is that the supervision of the financial industry in Hong Kong City at this time was blank, and there was no necessary prevention and supervision means, which in turn allowed these banks to engage in risky behavior.

It is different from current real estate development. At that time, one building was bought, rebuilt, and then the whole building was sold, not single rooms.

An old building may only cost more than 10 to 200,000 yuan. If you borrow a little more from the bank or use other channels to rebuild the whole building, you can sell it.

The cycle is long, buyers are limited, and the market development is not comprehensive. Various crises are inevitable.

The business that banks can do can also be done by three-wheelers. Without business barriers, it is just a piece of cake.

The excessive investment by real estate developers directly triggered a crisis in the real estate industry and banking industry.

People in Hong Kong today have the impression that buildings are being demolished all over Hong Kong. The demolition went too far. There was money when they were demolishing, but there was no money when they were building. Then the capital chain broke and the property market collapsed.

The collapse of the property market naturally caused the capital sinking of commercial banks. Coupled with the social environment at this time, information was extremely underdeveloped. Rumors can destroy a bank, and a run is very simple.

The most aggrieved one was Hengsheng Bank. Faced with the joint efforts of Morgan and HSBC to strangle it, it was eventually annexed and became an HSBC-affiliated bank. Several major shareholders signed in tears.

Last year, the banking industry in Hong Kong tightened real estate lending, leading to the collapse of a large number of real estate developers. More than 800 chassis became unfinished buildings, and land prices, building prices, and rents plummeted.

It should be noted here that it is not that the prices of these things have dropped, so people have more places to live, nor that living conditions have deteriorated, but that many people have no place to live.

Buildings were demolished, no one built them, banks were closed, the internal economic structure collapsed, and all industries were affected.

It’s the same reason farmers dumped milk into rivers during the country’s financial crisis.

Under the nest, there are still eggs.

After listening to Sister Lou's comprehensive account of the crisis and situation that Hong Kong City was facing, Li Xuewu asked, "What's the answer?"

"what is the answer?"

Sister Lou put down the document in her hand, folded her arms in front of her chest, followed Li Xuewu's example and sat back on the chair and said: "You gave me a naming question, don't you know the answer?"

Li Xuewu pursed his lips and asked nonchalantly: "Do they have any objections?"

"not me"

Sister Lou shook her head, looked at Li Xuewu and said, "My dad and the others agree with your risky approach, but I don't know how to say it."

As he spoke, he sat up straight again, looked at the document in front of him and said: "The crisis has occurred, the market has collapsed, and you also said that you want to buy banks and real estate."

Sister Lou raised her head and looked at Li Xuewu in confusion and asked, "What do you mean by talking about commercial real estate?"

Li Xuewu nodded and agreed with Sister Lou's question. This was the key to the naming question he gave to the think tank upstairs.

"Crisis means opportunity, this is not an empty saying"

Li Xuewu first nodded to Sister Lou, and then continued: "You also know the purpose of acquiring a bank instead of building a bank yourself, but acquiring a bank is definitely not the goal of your mission to Hong Kong City!"

Sister Lou raised her head slightly and looked at Li Xuewu, waiting for him to explain the difference to her.

Of course she knew what she wanted to do in the past, and her father and others were detailing what she wanted to do to how she could do it.

Li Xuewu narrowed his eyes slightly and said: "Ten tons of gold cannot make a big splash in the port city, but with a long enough lever, it is possible to leverage the entire financial industry in the port city."

"Do you know how much ten tons of gold cost in US dollars?"

"I know, numbers are easy to remember"

Sister Lou looked at Li Xuewu and although she didn't know the meaning of his question, she still answered: "12.345.865 knives."

Li Xuewu nodded and asked: "How many Hong Kong dollars is that?"

"More than eight hundred million"

Sister Lou cooperated and gave the correct answer. This was her capital to go to Hong Kong City, so she naturally understood it.

"More than eight hundred million, it's not too much, but it's not too much."

Li Xuewu explained: "The monthly salary of an office worker in Hong Kong City is about 200 yuan, so 800 million Hong Kong dollars is really a lot."

The richest man only has tens of millions of assets. Sister Lou will bring ten tons of gold with her. As soon as she lands, she will definitely be the richest man.

"However, this number is the theoretical principal"

Li Xuewu pinched his fingers and said: "To acquire a bank is not only to accept its overall structure and mature management model, but also to accept its own debts and bad debts."

"I know this"

Sister Lou frowned slightly and said, "There are many choices now, and Hong Kong City is already helping to select suitable candidates."

"Don't believe them all"

Li Xuewu shook his head slightly and said: "No one deserves to be trusted wholeheartedly. Money will make people lose their minds."

As he spoke, he took the documents in Sister Lou's hand, looked through them, and said, "If you go to acquire a bank now, you will face three risks."

"One is the source of funds, the other is credibility, and the last is asset revitalization."

Li Xuewu folded his legs, sat on the chair and said seriously: "I am not an expert, and I am just giving you the general direction."

"Mr. Lou will go there first, and will meet up with the people I arranged there, and use their influence to endorse and complete the establishment of the most primitive capital system."

"When you go there, you will use the investment company that has been prepared to complete the bank merger, which is what the market calls She Tunxiang."

"When the bank is acquired, the market here can also be connected to the other side through Ng Fung Hong. This is the first business for the bank and the first step to revitalize assets."

"The second step is to acquire a real estate company, wholly-owned by it, to develop old buildings on the bank's books and clean up these bad debts."

Li Xuewu took a sip of tea and continued: "At this time, both banks and real estate companies will have trust and influence because of these big actions, and there will be depositors in the bank to save money."

"With depositors, there is leverage. The development and sales of real estate need to change the existing model. The entire building cannot be sold, let alone sold individually."

Li Xuewu looked at Sister Lou and asked, "Have Mr. Lou and the others made this part of the plan?"

“Still doing it”

Sister Lou pursed her lips, pointed to the document in Li Xuewu's hand and said, "The first thing has just been finalized~"

"Then just say it"

Li Xuewu raised his eyebrows and said: "Hong Kong people cannot afford to sell the house as a whole, but they can sell it in units. If they still can't afford it, banks can provide installment loans."

Having said this, Li Xuewu knocked on the table in front of Sister Lou and said: "With your own bank, your own real estate company, and your own real estate, you don't have to wait until it's built before you start selling it. You can start selling it when the design drawings come out." ”.

"How is this possible!"

Sister Lou frowned and said: "The house hasn't been built yet, who will buy it!"

"Of course someone will buy it"

Li Xuewu said with certainty: "If you can't afford a building, how can you afford to buy a house? If you can't afford a house, the down payment is 30%. This risk is completely worth the temptation of buying by house." .

"The important thing is that bad debts in the hands of banks will be turned into high-quality assets through this method, thereby increasing the overall property value of the bank."

"at the same time"

Li Xuewu squinted his eyes slightly and asked Sister Lou to think, "If you want to be a banker, what is your main business?"

"Savings?"

"It's a loan!"

Li Xuewu raised his voice, nodded to Sister Lou and said, "You will lose money when you save, and you have to pay interest to depositors. This is not the main business of the bank. If you want money to make money, loans are the big one!"

"Think about it, the bad debts in your hands have been turned into high-quality assets, and then you will continue to acquire other bankrupt banks, and then take away the land and buildings in their hands. In this way, you will have more and more high-quality assets."

"At the same time, when someone pays a down payment and reserves a property, he will start to repay the loan interest on the property."

"Whose loan is it?"

Li Xuewu nodded to Sister Lou again and said, "The real estate company belongs to us. Don't you know whether this building can be built?"

"You have a large number of mortgage-guaranteed loan contracts in your hand, and there are countless people supporting this bank. Isn't it more cost-effective than absorbing savings!"

"This...how is this possible..."

Sister Lou was a little shocked. She had never thought of running a bank in this way. She only thought it was to absorb savings and then lend them out. She did not think of running capital on her own.

Li Xuewu shrugged his shoulders and said: "This is called capital operation. For the same amount of money, the acquiring bank will earn once by revitalizing the assets, once again by selling the commercial housing, and again by borrowing the commercial housing, so it will be earned three times."

"Even if he can't afford to repay the loan, he won't suffer a loss if he takes the house back and continues to sell it. The upstream and downstream are all in one head office, so he won't be afraid of capital loss."

Sister Lou looked at Li Xuewu blankly. She had never seen the word housing loan in the information she received from Hong Kong City. It took her a long time to ask: "So these housing loans are also high-quality assets?"

"certainly!"

Li Xuewu nodded confidently and said: "In the banking industry, there is nothing better than a secured loan contract. Especially in the current market downturn, this development model is more suitable."

"so……"

Sister Lou recalled that the number her father and others said during the meeting with Li Xuewu last week was...

"The four percent you mentioned in the meeting was the mortgage interest rate?"

Without waiting for Li Xuewu to nod, Sister Lou suddenly stood up, looked at Li Xuewu with wide eyes, opened his mouth, and said after a long while: "Back then, Cixi and the Eight Kingdoms loan was only 4%. Interest, that’s still annual interest, you’re talking about monthly interest…”

The financial studies I have learned in the past few months are not in vain. Sister Lou naturally understands this knowledge very well. She is not surprised by Li Xuewu's thinking, she is just surprised by Li Xuewu's dark heart.

"Still...you are still ruthless..."

"Where is the cruelty?"

Li Xuewu raised his eyebrows and pretended to be dissatisfied and said: "This interest rate has been the same for so many years. Don't talk nonsense with your eyes open. It's very difficult for Chinese merchants to register."

"I have been reviewing materials for many years. I am the one who knows how your family and the Qi family in Xicheng, including the other three families, came together."

"Your father and several old uncles almost gave me all their belongings. Almost all these five families were named Li."

Li Xuewu nodded to Sister Lou, shook his head regretfully and said: "If someone says this to you when you go to Hong Kong City, just tell them that sometimes you look for your own reasons. Has your salary been increased over the years? Work hard".

"..."

Sister Lou looked at Li Xuewu speechlessly, and then said after a long while: "Isn't it a little too shameless?"

"Isn't this shameless?"

Li Xuewu said with a smile: "When you go to Hong Kong City, you will see how shameless they are. The monthly interest rate can be more than 5%~ They are shameless."

After saying that, he stood up and motioned for Sister Lou to sit on the sofa. After she sat down, he continued: "Loans are the last resort. They are mainly to consolidate the foundation and establish the bank's local influence. Sustained good assets must be Look at commercial properties”.

Seeing that Sister Lou was listening carefully, Li Xuewu began to tell her about business packages and investment.

How to combine shopping malls and apartment-style residences? A commercial building must have a cinema, an amusement park, and a restaurant...

Sister Lou listened very confusedly, but she was very serious. She couldn't remember what she was saying and had to take notes.

By the time Wang Xiaoqin and others came to find him, the two of them had already talked a lot, and Sister Lou also recorded a lot in her notebook.

As Li Xuewu said, he doesn't understand economics, but he understands the future.

If you don’t know how to make money, let people who can make money help you make money.

"what's the topic?"

Wang Xiaoqin came in and greeted with a smile. She guessed that Li Xuewu and Lou Xiao'e might have something to do with each other, but she didn't want to know more about it.

Sometimes it's rare to be confused, and it's easier to pretend not to know, and it's not a matter of principle.

In the face of serious work and collective interests, such a trivial matter will not be taken seriously at all.

Especially since Lou Xiao'e's family has been using money to support this club, and it's not just supporting them.

Taken together, Li Xuewu should be considered a contribution to the collective.

"What else could it be? Club work?"

Li Xuewu smiled and gave way to a few people. When he saw Huang Qian was there, he asked, "Ma Jun and the others are not here?"

"No, I don't know what I did."

Huang Qian sat casually next to Li Xuewu, touched Li Xuewu with his arm and said with a smile: "Things in Yuezhou are going well? There is news from Zhong Jingxue."

"Well, it's done in the factory."

Li Xuewu nodded, and then said: "Say thank you to him for me."

"I won't spread this word"

Huang Gan sat back on the sofa with a smile, waved his hand and said, "You can tell yourself when you see him again."

Wang Xiaoqin took the teacup brought by Lou Xiao'e and said with a smile: "No need to bother, just come and sit, I know he is here."

Li Xuewu looked at Wang Xiaoqin and asked proactively: "Is the mountain okay? I don't have time to go up recently."

"It's okay, just follow the steps"

Wang Xiaoqin smiled, but then his face became more formal and asked: "Where is the security brigade?"

"normal"

Li Xuewu made a gesture and did not let Wang Xiaoqin talk about this issue here. He knew that what Wang Xiaoqin wanted to ask was not the security brigade, but the future of the security brigade. (End of chapter)