Rebirth Starts From 2006

People who are destined are always chatting very enthusiastically,

Even though the goal has been achieved, Zhou Na and Zhang Jin have no intention of leaving at all, their buttocks sticking to the sofa, motionless, pulling Chen Yang to chat,

At this moment, he was talking about real estate, and the next one was talking about industry. While talking, he talked about the stock market, which is the most topical topic recently.

"Oh, to be honest, Mr. Chen," Zhang Jin patted his chest and said with a look of lingering fear, "The stock market crash last week really scared me. I thought the financial crisis you mentioned last time would come to an end so soon. It’s coming, fortunately, it’s just a short-term correction, unlike what those brick-and-mortar experts said it would take two months to adjust, it’s only a week and it’s back up, otherwise many people will suffer heavy losses.”

She is really a little scared, if this wave of bull market ends so suddenly, it is estimated that the family will not be able to stop for half a year, and this will scare Lao Zhang enough, and she is already planning to slowly recover the principal, and use the profits to make money in the stock market slowly. slow consumption.

Chen Yang smiled slightly, and before he could speak, Zhou Na frowned slightly and said, "Actually, the sudden drop this time has already caused irreparable losses to many people. The loan suddenly became unrecoverable and turned into a non-performing debt. Fortunately, this did not happen in our sub-branch, otherwise we would encounter this kind of thing at the beginning of this year, and the pressure for the whole year would definitely be great."

Non-performing debt is also the meaning of non-performing assets. Non-performing assets are a general concept. Time to find a way to carry out follow-up processing,

Non-performing assets can be securitized, that is, debt-to-equity swaps, and debts can be converted into equity, so that they can flexibly participate in the production and operation of the enterprise, or they can resell these assets, as much as they can recover,

Generally speaking, the latter method will be adopted a little more, and it is also the most common way to deal with non-performing assets of banks.

If you are lucky and can sell it for a high price, the excess will be returned to the debtor, but this kind of situation generally rarely occurs, and even if there is, the excess is quite limited.

Cough cough, understand everything,

Therefore, when the debt is due and cannot be repaid, many people would rather try to find a way to sell it by themselves than be taken away by the bank and let them deal with it. Unfortunately, at that time, only a few people can escape the catastrophe.

If even the bank can't sell those mortgages, the non-performing assets will completely become a dead debt and be included in the loss. This is the last thing the bank wants to see. Once it happens, the relevant responsible persons will have to be held accountable. At least one performance penalty is indispensable.

Zhou Na also heard from her mother,

This time, the number of loan defaults that occurred at the same time suddenly rose, which is a bit sad.

Thinking of this, she glanced at Chen Yang again. Fortunately, the collaterals of this boss Chen are all high-quality assets. Even if there is a breach of contract, it should not become a dead debt!

At this time, Zhang Chunli, who was sitting across from her, suddenly asked a little puzzled, "This time the stock market seems to have only fallen by a total of more than ten percent, and it rose back quickly. As for not even repaying the loan, could it be that you bought it the day before and sold it the next day when it fell?"

Whoa, if this is the case, how unlucky it would be!

"Hey," Zhou Na laughed dryly, and said, "It's their own fault, who made them too greedy?"

greedy?

Zhang Chunli blinked in confusion, who is not greedy in stock trading, but what does it have to do with this?

Zhang Jin turned around, faced her, and said with a smile, "Under normal circumstances, they shouldn't have such a big loss, but if they add funds, it will be different."

"Allowment?" Zhang Chunli was taken aback again, "What do you mean?"

Zhang Jin glanced at Chen Yang, and found that he was thinking about something thoughtfully. He didn't seem to be surprised by the word allocation, so he couldn't help muttering in his heart, why does this guy seem to know a little bit about everything?

Shaking his head slightly, he patiently explained to Zhang Chunli, "The allocation of funds is similar to the leverage of futures. For example, if you have 10,000 yuan and you are particularly confident in the stock market, you hope to use more money to speculate in stocks." , but the principal is only so much, so what should I do?

In this case, you can find a funding company,

Then the capital allocation company will give you a certain leverage ratio, ranging from 1:2 to 1:5. If you have enough funds, say a few million, they can even give you a leverage of up to 1:10. That is, 10,000 yuan can be used as 100,000 yuan.

However, unlike ordinary private lending, the money is not given to you by him, but you give him the principal and operate it in his account. After making money, he deducts the interest and transfers your principal to you. The rest of the gold and profit will be returned to you,

But if you lose, once the stop loss ratio they set in advance is exceeded, they will force you to close the position, and it will not affect their interest income, which is equivalent to letting you bear all the losses alone.

Therefore, this kind of capital allocation is very risky, and it is also very irregular. There is no supervision and protection. Life and death are in the hands of others. Once you enter the game, the consequences are unpredictable! "

It turned out to be like this,

Zhang Chunli nodded suddenly, not to mention the ratio of one to ten, even if it was one to five, the biggest drop in the stock market this time was more than ten percent. Many people fell in.

At this time Zhou Na also said, "It's a pity that money is touching and benefits are fascinating. Many people think that they can stand the temptation at first, and only use one to two or one to three leverage, thinking that at least they will not lose their positions, but When they earn more money, they will have a fluke mentality, and the leverage will increase until it reaches the limit, and it only takes a big fluctuation to make them lose everything!"

Speaking of this, Zhou Na shook her head lightly, "This kind of capital allocation model has actually just emerged. It first appeared in Wenzhou, where there was already a strong atmosphere of private lending, and last year's stock market boom , someone had a whim and started a funding company, and then it spread here within a few months,

At the beginning, just like what I just said, not many people used it, and even if they used it, the leverage added was very low, but when they earned several times more money than before, they gradually became more courageous Get up, and the people around them saw that they made money, and they all followed suit, and it ended like this. "

"Yeah," Zhang Jin pouted, "Generally, those who know how to play the game and dare to play the game are at least wealthy bosses, so the friends around them are also rich people, one leads a group, now There are more and more companies engaged in fund allocation, and even if someone stumbles this time, the business of the fund allocation companies is still booming."

Zhou Na shrugged her shoulders in harmony, "Since those people dare to ask for capital allocation, of course they are even more daring to speculate in houses and cars. From last year to this year, our bank has received many loans to mortgage cars. Let’s just say, they still don’t listen, there’s nothing they can do, there is something to be done by nature, and you can’t live by yourself. Since you have a gambling mentality, you must have the courage to accept losing everything, but the bank is miserable, with a lot of non-performing assets. I don't know how to digest it."

Chen Yang, who hadn't spoken for a long time, glanced at her, hehe in his heart, when will the bank persuade the client not to make a mortgage? Otherwise, what are you two doing here today? !

However, he did not expect such a thing as capital allocation to appear now. In his impression, the hottest time of capital allocation seemed to be around 2010, especially in 200809 when the stock market fell to the bottom , when most stockholders are disheartened, many people rush into the stock market with the mentality of buying bottoms, and wantonly allocate funds to buy stocks,

However, playing this game is indeed going from heaven to hell. Those who make money are full of money, and those who lose are bankrupt. It was only then that the government noticed the negative impact of this aspect. On the one hand, they successively introduced policies to restrict private distribution. On the one hand, open the margin financing and securities lending business of formal securities companies,

As for now, of course it is a barbaric development.