Rebirth of the Financial Overlord

Banks are the main body of the modern financial industry and the hub of the national economy. It is a financial institution that operates currency and credit business, and acts as a credit intermediary by adjusting the supply and demand of funds, handling currency deposits, loans and settlements.

Since the beginning of the 1990s, the British economy has been in a continuous downturn. In order to stimulate the economy, the Bank of England has been trying its best to release currency reserves, hoping to stimulate inflation.

For commercial banking institutions, profit is one of the main purposes.

Modern commercial banks are basically joint-stock enterprises. The fundamental reason why bank promoters and shareholders invest in establishing commercial banks is that banking operations can bring them benefits. If the operation of a commercial bank fails to bring profits to the promoters and shareholders, or even causes them to lose money, then the shareholders will transfer funds to other banks and other financial institutions with relatively high profits or profits, or even invest in industrial and commercial enterprises.

Therefore, the ultimate goal of any commercial bank is to make profits.

The most common operating method of conventional commercial banks is to absorb deposits at low interest rates through bank reputation, and then lend to customers who need funds at high interest rates, so as to earn interest spreads.

On the principle of risk control, according to the proportion of risk, the guarantee mortgage assets provided by customers will determine the corresponding lending rate.

HSBC Bank Headquarters.

In the eyes of several senior bank managers, they all had the same look of doubt.

Kamandi Investment Company needs a loan of 400 million pounds, which is a big business.

However, the asset mortgage certificate provided by Kamandi is a bit too puzzling.

Not happy assets are too bad, but too good. National bonds worth 400 million pounds, guaranteed by the country's reputation, have no risk at all.

But the problem is that these bonds were purchased in the morning.

Is it stupid to buy bonds in the morning and borrow money in the afternoon?

Looking at the mountainous figure of Qina Kanowski, several people thought of an indescribable sentence at the same time.

"Honorable Ms. Kanowski. Of course, there is no problem with the national debt mortgage. There is no problem with the loan amount, but can you tell me what you are borrowing the funds for?"

Qina Kanowski put down the black coffee she was taking a sip of and said dissatisfiedly.

"Excuse me, can I interrupt?"

"."

"Your coffee is really bad."

What the hell!

"Excuse me, my honorable lady, I am sorry for this."

"OK. I accept your apology. As for what the funds will be used for, I haven't figured it out yet, is there a problem? Well, maybe, I'll consider buying some shares in your bank, maybe, I'll buy in the eastern suburbs Several castle villas."

"."

This is obviously nonsense.

However, it is not a problem.

For a loan of 400 million pounds, the interest will be a lot of money. There is no risk in the collateral, and the bank will not have the possibility of bad debts. HSBC has no reason not to lend money.

"My dear and beautiful lady, please forgive my impoliteness. Please wait a moment, we will go through the formalities for you as soon as possible. Shanna, go to Starbucks and help Ms. Kanowski buy the best cup of coffee."

"."

Bank of Scotland.

The bank director, George Edward Lawrence, took a pile of asset certificates and carefully reviewed them.

Securities assets of 30 million pounds, bond assets of 40 million pounds, short-selling assets of German securities of 50 million marks, a mansion in Canary Wharf, two luxury private jets over 100, and a Rolls-Royce Adams, a Maybach, and a 25 percent stake in Russia's Nambo Bank.

Total value, £700 million.

They are all very high-quality assets, and there is no information that they have been mortgaged in other banks. The reputation of Geman Investment Management has also been very good, and there is almost no bad default record in the world.

Only loans, but with 600 million pounds, the risk is still a bit high.

After thinking for a long time, Lawrence sorted out all the documents and returned to the VIP reception room.

"My dear lady. The asset certificates you provided are all very high-quality, and we also believe in your good reputation. However, the amount of 600 million pounds is still very risky for our bank. What do you think of 500 million pounds?"

Unlike Qina Kanoski's hobby of fighting, influenced by her family environment, Yulia Sidorov is best at business negotiations.

She gently grasped the diamond ring that Shen Jiannan gave her, with a charming smile on her delicate face.

"Mr. Lawrence. What if our company's loan was to buy three-month National Bonds? Do you still think the Bank of Scotland will take the risk. Or do you have no confidence in the British Treasury?"

"Walter? Oh, sorry. Miss Sidorov, you mean that your loan will be used to buy gilts?"

"That's right, that's it."

Yulia's stature is relatively short, but because of her rich material life, naturally it will not affect her badly.

Lawrence's eyes glanced at Julia involuntarily, and a four-word sentence that never fades out of his mind. Buying national bonds at the interest rate of the loan, such an idiot would just come in a pack every day, but it's a pity that this lady is so beautiful.

What is the easiest way to make money in the world?

Maybe everyone has their own opinion.

You are at different levels, and will extend the way you think is the most profitable according to your own level.

For example, a vendor who sets up a stall may think that bringing a stall from a small rural town to New York is the most profitable way.

Or a banker, he may think that opening his own bank to the whole world is the most profitable way.

In theory, the banker's way is the easiest way to make money.

As a super hooker, Shen Jiannan is naturally very clear about this kind of routine. But he is more aware that if he wants to earn more money, he must have more capital.

The purpose of the European Community's currency unification is to get rid of the dependence on the US dollar, but as the hegemony of the US dollar, how can the rights of the US dollar be weakened. For the United States, the influence of the US dollar is the foundation of the country.

No matter how the European Community responds, Wall Street will definitely gather the current European monetary system. Among the current European Community, Italy and the United Kingdom, the weakest links, will definitely become the focus of attack.

It is guided by people and restricted by circumstances.

Under the general trend, the outcome of everything has already been doomed.

The economic downturn in Britain and Italy will be like a living target, waiting to be crushed by vitality.

However, with Capital One's assets of only two billion US dollars, if it wants to win the doomed ending, according to the conventional operation, I am afraid that it can only follow the global capital to drink a little pot of water.

That feeling is simply terrible.

Unless, there is a super magazine that can replenish bullets infinitely.

The wisdom of the Chinese people has never been underestimated.

Even in the capital game, when the Chinese really play it, Wall Street, which has a century-old financial history, sometimes feels ashamed.

For example, the later Wandian Meimeng, and the later Wenzhou Real Estate Speculators Group.

Archimedes once said.

"Give me a lever and I can move the earth"

But people in the financial industry once played a joke on the physicist Archimedes.

Here, Mr. Archimedes, I will lend you this triple leverage. The next day when the financial markets opened, Archimedes had a net loss of two earths.

It's such a sad story.

In the financial market, the use of leverage is not a new topic. In addition, this leverage, which was born in the physical field, has also been applied to many capital industries.

The British used leverage, the Americans used leverage, and the Japanese used leverage.

However, if you really want to say who is the best at using leverage and who can turn an ordinary lever around, Zhejiang people have the most say. The Ningbo Death Squad, the Zhejiang Real Estate Speculators Group, and capital players from all over the world can only feel ashamed in front of them.

For a house, the house is mortgaged, the house is bought with a loan, the house is re-mortgaged, and the house is bought again.

The Wenzhou real estate speculators deeply understand the meaning of Archimedes' words, and perfectly apply him to the capital operation mode. In the words of Wenzhou people, an investment without leverage is not a good investment, and a real estate speculator without leverage is not a good speculator.

As a result, an operation method of prying real estate came into being.

It was reported that a Shenzhen real estate speculator said, "1 million yuan has changed to 50 million yuan in two years." In this case, the secret of Mr. Li, a Shenzhen investor, is to increase leverage.

Buy first and then pledge, pledge and then loan, loan and then buy, buy and then pledge.

So back and forth.

How to play it?

Li Xiansen invested one million yuan in his first house, and found that the house price rose very fast.

Then, he used all the houses under his parents' names to make mortgage loans, and then, all the indicators of his relatives were also borrowed to buy houses.

Low oil, not bad~

Through the continuous operation of increasing mortgage loans, in this round of super bull market in real estate, the market value of the real estate in Li Xiansen's hands reached 50 million when it was the highest.

Is this great?

This can only be said to be the most elementary rookie level.

Even more powerful, this leverage can be used indefinitely.

Theoretically, the investment in one set of properties can buy one hundred or even more than one thousand sets of properties.

They bet against short positions, against banks, against policies, and almost used leverage to the extreme of the universe.

Look at the creativity of these house speculators.

Now that the British economy is in a downturn, England is extremely eager for the release of currency. In this case, if you mortgage the gilt-edged national debt to the bank, you can borrow the British pound equivalent to the national debt.

Based on Capital One's total asset size, at two billion US dollars, how many pounds can he borrow at the exchange rate of 1:1.875 for pounds to dollars?

Thirty-seven billion?

NO.

is infinite.

In theory, it could be a trillion pounds.

As a Chinese, who the hell is worse than anyone else in the study of leverage.

What's more, there is still no risk of leverage.

British national government bonds are backed by HM Treasury and the Bank of England, and the income can be absolutely guaranteed. Although the three-month income is not high, it can almost make up for the interest rate of commercial bank loans. Wait for a circle, and then go to the Bank of America to mortgage Buy U.S. treasury bonds and borrow sterling.

God knows how many pounds can be leveraged.

Of course, the income will definitely be a little bit worse.

Is it important?

It doesn't matter at all.

Thailand, Thomas Thomas Conn, is like a salted fish, holding a big sack, leading a few bodyguards, shuttling through various commercial and luxury residential areas in Bangkok.

The scorching sun was in the sky, sweating profusely.

The jumbo sack was already full, making people feel particularly tired.

money.

It's all money.

I have to collect rent almost every day. Although it is spread evenly, the rent collected every day is still astronomical.

In the rich area of ​​Supinyi Road, Thomas Conn walked into a luxury villa with a sack in his hand.

Unexpectedly, just as he entered the door, Annie, a popular actress in Thailand, accidentally fell into his arms.

"Hey. It's really a crime to be a landlord."