MTL - After Hitting 200 Million-Chapter 16 Fifty million wealth management
"President Chen, the matter of withdrawing money is easy to talk about. Now mobile phone transfers are also convenient, and cash generally doesn't take much. I don't have any friends in the banking industry. The so-called multiple friends have multiple paths. I may trouble President Chen in the future. I hope President Chen, don't reject people thousands of miles away in the future." Bai Xiaocheng said.
"Mr. Bai, this is easy to say. We are mutually beneficial. I also have some connections in the society. I will be happy to help you if you need me in the future." President Chen said politely.
"Well, President Chen, I will buy a 50 million wealth management product at your bank today. Do you see if there is a higher return? I know that inter-bank lending is 20% higher, but that risk is too high. Big." Bai Xiaocheng said.
Bai Xiaocheng has no clue now. In fact, buying financial products is also a good choice.
Although Bai Xiaocheng is only a sophomore, he already knows about banks and securities.
Generally speaking, securities companies also have fixed wealth management products. The one that starts at 1 million, and the annual return can reach 10% if the annual return is high. Generally, large enterprises do financing. There is no problem if the company does not go bankrupt.
But this is also uncertain, nothing is absolute.
So far, it has also happened that the financier is unable to repay the principal and interest when due, but after all, the securities company is jointly and severally liable, and the customer basically has no loss.
Banks are different. Will there be problems with bank financing products?
Of course, there will be problems. Just like the loan of bank funds, there are times when it cannot be recovered, but there is a difference. The fixed wealth management products of banks are more stringent procedures than securities companies. is jointly and severally liable.
Banks in China have not failed at least so far. Now the banking industry is divided into different types, including state-owned banks and individual banks. At least China Construction Bank belongs to the state, and it is absolutely impossible to fail.
"Mr. Bai, I didn't expect you to know this. You are right. Now many corporate loans do not meet the bank's regulations, so there are also many companies looking for a way, and they will also look for funds through banks. Bank jobs The staff acts as an intermediary, that is, to help friends, to set up a line, and to negotiate the interest by themselves, but Mr. Bai, the so-called profit is high, and the risk is also high, the intermediary will not bear any responsibility when something goes wrong, my opinion To be safe, I would rather make less money than rush into it, after all, it is illegal on the surface, and if you do that, you might as well invest your money in a small loan company, and the interest will be higher." President Chen explained.
"Well then, President Chen, I'm not in a hurry. Look at what good products you have. Help me to pay attention. I think I'll have no problem buying tens of millions of dollars. I also want the money to be used as soon as possible." Bai Xiaocheng said.
Bai Xiaocheng stayed in China Construction Bank for an hour. The VIP card has been set up, and he has bought a half-year financial product with a term of 50 million. The interest is 8 points, and the half-year interest is 2 million. If the financial product needs to be advanced Withdrawal, there are also workarounds, mortgage loans to the bank, so that you can earn less interest.
That's a lot less than the regular period.
In fact, China Construction Bank's wealth management products are not the best. Now there is a China CITIC Bank wealth management product that is not bad, but this is taking it slow. Bai Xiaocheng spends 50 million for wealth management, mainly to make friends with President Chen, who may be needed in the future. 's contacts, and now there are more than 160 million living money on hand, so what is there to worry about.
Bai Xiaocheng entered the VIP room here. Originally, the police car was still at the entrance of the bank. Bai Xiaocheng told President Chen earlier that the police car could go back.
The police car has long since returned. In fact, who knows who Bai Xiaocheng is when they arrive at the bank, and the people in the lottery hall will not follow the police car. As for how the news is reported, Bai Xiaocheng has no way to control it.
It's three o'clock in the afternoon, and Bai Xiaocheng hasn't had lunch yet. Now that things are done, he is really hungry.
For this meal, Bai Xiaocheng wanted to find someone to have a meal with, but he didn't know who to look for.
Bai Xiaocheng found that he didn't seem to have any friends. None of his seven roommates were in Beijiang. It was possible to talk about girlfriends in college, but this Bai Xiaocheng really didn't think about it. It wasn't that Bai Xiaocheng didn't like beautiful girls, it was Bai Xiaochun himself. It's also a matter of barely enough food and clothing, and making friends can't afford it.
Bai Xiaocheng met a beautiful woman Chen Bing today.
It's okay to have a meal with her.
What to talk to her about?
Of course it's not about love. Talking about ideals and work, I don't know what her abilities are. If she is a talent, she can use it for herself.
This core competitiveness is still talent, where is the talent?
Bai Xiaocheng has now left the bank. Before leaving the bank, Bai Xiaocheng had already changed his full gear in the bathroom. A backpack was also put on a large black plastic bag from the bank. When they are two different people.
What should I do with the award-winning equipment in my hand? Bai Xiaocheng felt that it was a bargain. The whole outfit was only 300 yuan, but it would be a pity to throw it in the trash can~www.novelbuddy.com~ After all, it was bought with money.
Bai Xiaocheng saw a disabled old man begging on the side of the road, so he gave him all his plastic bags.
Of course, there is no beard inside. The beard was thrown into the trash by Bai Xiaocheng long ago. Of course, there are no glasses. Those glasses are one-time use, and they will retire after the show.
This hat, sports suit and shoes are available, which is a great help to the old man. As for the money, Bai Xiaocheng did not give it.
The relaxed Bai Xiaocheng is going to eat now, but before eating, Bai Xiaocheng feels that he has one more thing to do. He needs to find a quiet place to call home.
Now that I have money, I have a lot of money, what is the use of this money, it is not to make life better for my family, so it is good news, Bai Xiaocheng can't wait for a moment.
Bai Xiaocheng didn't want to go home now, Bai Xiaocheng felt that he had a lot of things to do.
Bai Xiaocheng came from the countryside and came to this city. He originally wanted to establish a foothold in this city. Even when he had no money, he had to work hard to stay in this city.
First grit my teeth and learn, then find a good job, then find a favorite girlfriend, then buy a house and a car to fight for a comfortable life, and then I was smashed 200 million yuan today. What does it feel like, stunned?
No, I feel that my responsibility is even greater. I am the master of the two hundred million, and I must be right for the two hundred million.
People can change.
It is easy for a good person to become a bad person, but it is difficult for a bad person to become a good person. Bai Xiaocheng is just a mortal person, but now Bai Xiaocheng has more passion, the passion of wanting to be a successful person.
Winning the lottery is not my ability, it is an accident, and now that I have such a good background, it will be difficult for me to take this to a higher level.
