Reborn Rich To Rival Country

"Uncle Qiang, Uncle Xiong, when are we going to engage in Chen Mo?"

At this time, Li Zheju was already red-eyed, and his mood was quite unstable. He didn't even have a chat when he came up, so he went straight to Huanglong.

Xiang Xia Qiang took a cigarette and said lightly: "Hurricane boy, Uncle Qiang knows that you have suffered a loss under Chen Mo recently.

Don't worry, Uncle will avenge you. "

"During this time, Magic Ape Entertainment's business has spread, and a few artists have become popular.

Chen Mo spent at least a billion dollars just for the money to spread the market and buy resources during this period. "

"The time is ripe, it's time to dig up all the artists from Magic Ape Entertainment!"

Li Zheju's eyes lit up: "Okay! That's great! With one move, not only Chen Mo's money in the market has been wasted during this period of time, but the company has no artists, and he is left as a bare-bones commander, which is even more funny!"

Xiang Xia Qiang patted Li Zheju on the shoulder and smiled: "Hurricane boy, this is just one part of my revenge plan."

"Oh? Uncle Qiang, do you have other plans?" Li Zhehu asked impatiently.

He wants to see Chen Mo deflate so much!

Thinking about going crazy!

These few days, in his dreams, he can't even dream of beautiful women. It's all Chen Mo's ugly face!

"Have you heard of student loans?" Xiang Xia Qiang asked.

"I heard that it seems to be a new type of loan that is mainly aimed at college students?" Li Zhehu said.

"It has long been more than just college students, as long as adults can apply for this student loan.

It is said that there are now 15 million registered users! "

"Every month, there are more than 3 billion in running water alone!"

"You know, this is just the beginning of this business!"

Xiang Xia Qiang said.

"What? Does it make money like this? Who did it?" Li Zhehu said in a stunned manner.

Xiang Xia Qiang smiled without saying a word.

Li Zheju's eyes twitched, "Could it be Chen Mo again?"

"bingo."

Li Zheju was shocked beyond words!

Internet cafe, legend, and now there is another loan business...

To say that Chen Mo is a business genius is not a compliment, it is an insult!

It should be said that he is a business god!

"I've looked into this form of loan and it's really promising!"

"Chen Mo's loan started to be paid in installments in a timely manner without interest, but once it defaults, and the installment starts, the interest will be too high!"

"Do you know how he calculates the interest?"

"How?"

"The interest rate for the 3rd period is 2.5%, the 6th period is 4.5%, the 9th period is 6.5%, and the 12th period is 8.8%. Do you think it is very little?"

"It's very few, much more conscience than banks." "Conscience! It's a game of numbers! The interest rate of other people's banks' loans is calculated by you based on the annual interest rate, and Chen Mo's interest rate is normally , you have paid off one installment, should the interest be calculated on the remaining money for the next installment?

The fuck has always been paying interest on the highest principal! And it's profitable!

Converted down, the annualized interest rate is close to 24%!

Almost reached the standard of usury!

The key point is that those who repay the loan think it is cheaper than the bank loan interest rate. "

Li Zheju couldn't help but blurted out, "It's really dark!"

In fact, Chen Mo's set of word games are all learned from later generations of Huabei, borrowed bei, and xx bei.

"It's black, but it's very profitable.

However, Chen Mo was a little tender after all, and did not discover the ultimate secret of making money in this loan model! Xiang Xia Qiang smiled mysteriously.

"Uncle Qiang, can you stop talking? Can you finish it in one breath? I'm in a hurry!"

"abs! That is, asset securitization! It's a model taught to me by a Walmart boss. It's difficult to explain theoretically. I'll use an example to explain it to you."

"Suppose we open a loan company called Wanbei."

"1. Xiao Wang borrowed 10,000 yuan from Wanbei, with an annual loan interest rate of 15%. After one year, he returned the principal and interest to Wanbei for 11,500 yuan. Then we made 1,500 yuan from this loan."

"2. I think the money is not enough, so I packaged Xiao Wang's loan into a financial product (that is, abs) and sold it to other investors. Xiao Zhang took out 10,000 yuan to buy this financial product, one year. Later, the company gave him 10% interest, which is 1,000 yuan.

After such a meal, Wanbei actually made a difference of 500 yuan (received 1,500 yuan of interest from Xiao Wang - 1,000 yuan of wealth management income paid to Xiao Zhang), while still holding 10,000 yuan in his hand. "

"3. Wanbei can lend the 10,000 yuan in his hand to another borrower Xiaohong at an annual interest of 15%. After one year, he can earn 1,500 yuan. The current situation is: 10,000 yuan can earn a total of 10,000 yuan a year. It’s 2,000 yuan back, which is the difference of 500 yuan in the first operation and the 1,500 yuan lent to Xiaohong in the second round.”

"4. Wanbei once again turned Xiaohong's loan project into a wealth management product and sold it to Xiaolin, in exchange for 10,000 yuan to continue the previous operation.

After several rounds of abs, the principal of 10,000 yuan was used as 50,000 or even 100,000 yuan, and each round of operations would increase the rate of return by 5%. Assuming that 5 rounds are done, the annualized rate of return has changed from 15% to 40%. For our play, the principal of 10,000 yuan earns 4,000 yuan a year, and 10 rounds are 6,500 yuan. "

"Think about it, if I had dozens or even hundreds of rounds of abs, how big would the scale of the game I open be?"

This time, not only Li Zheju's eyes widened.

Liu Xiong next to him was dumbfounded.

If the bank loan first, then issue the ABS.

Loan-ABS-Re-Lending-Re-ABS...the cycle goes on and on!

Even if there is only a principal of 1 billion, after dozens of rounds, 100 billion of funds can be leveraged!

The company provides users with a loan of 100 yuan, and only needs to pay 1 yuan, and the bank will pay the remaining 99 yuan.

Rounding up means that all the risks are borne by the bank, and you have no risk at all!

Looking at the dumbfounded two, Xiang Xia Qiang smiled proudly: "Let me tell you, this is the most popular capital game for the hegemonic Huaer Capital bosses at the moment!"

"At present, no one in Daxia has played abs games."

"I haven't found a way to realize this kind of financial model before. I didn't expect it. I didn't expect that Chen Mo's student loan inspired me!"

Knocking on the table, Xiang Xia Qiang said with great pride:

"I bet that as long as the abs financial model lets us play."

"The future richest man in Hong Kong City, the richest man in Daxia, and even the richest man in the East will be us!!!"

23qb.