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

Since the beginning of the 90s, the British economy has been in a sustained downturn, and in order to stimulate the economy, the Bank of England has been trying its best to release monetary reserves in the hope of stimulating inflation.

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

Modern commercial banks are basically joint-stock enterprises, and the fundamental reason why bank promoters and shareholders invest in the establishment of commercial banks is that bank operations can bring them benefits. If the operation of a commercial bank cannot bring profits to the promoters and shareholders or even makes them lose money, then the shareholders will transfer their funds to other banks or other financial institutions with relatively large profits or returns, or even turn to invest in industrial and commercial enterprises.

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

The most common business method of conventional commercial banks is to absorb savings at low interest rates through bank creditworthiness, and then lend them to customers who need funds at high interest rates, so as to earn interest rate differentials.

On the principle of controllable risk, according to the proportion of risk, the collateral assets provided by the customer are used to formulate the corresponding call rate.

HSBC Head Office.

Several senior bank executives have the same look of doubt in their eyes.

The Camandi Investment Company, which needed a loan of £400 million, was a big business.

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

It's not that the assets are too bad, but too good. Forty billion pounds worth of state bonds, something guaranteed by the country's creditworthiness, there is no risk at all.

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

Isn't it stupid to buy bonds in the morning and borrow money in the afternoon?

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

"Honorable Miss Kanovski. Treasury bonds, of course, are no problem. There is no problem with the amount of the loan, but can you tell us what you are borrowing the money for?"

Qina Kanovski put down the black coffee she had taken a sip of, a little dissatisfied.

"Excuse me, may I interrupt?"

“......”

"Your coffee is just terrible. ”

What a deal!

"I'm sorry, noble miss, and I'm sorry for that. ”

“OK。 I accept your apology. As for the use of this money, I haven't thought about it yet, is there a problem Well, maybe, I will consider buying some shares in your bank, maybe, I will buy a few castle villas in the eastern suburbs. ”

“......”

This is obvious.

However, it is not a problem.

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

"Honorable and beautiful young lady, please forgive me for my faux pas. Wait a moment and we'll take care of the formalities for you as soon as possible. Shanna, go to Starbucks and help Miss Canowski get the best cup of coffee. ”

“......”

Bank of Scotland.

George Edward Lawrence, the bank's director, took a pile of proof of assets and carefully reviewed it.

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

Total value, £700 million.

They are all very high-quality assets, and there is no information about them that have been pledged in other banks. The credibility of Geman Investment Management has also been very good, with almost any bad default record in the world.

It's only a loan, but at 600 million pounds, the risk is still a bit high.

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

"Honorable Miss. The proof of assets you provide is very high-quality, and we also believe in your good reputation, but 600 million pounds, this amount is still very risky for our bank, what do you think about 500 million pounds?"

Unlike Kina Kanovski's love of martial arts and her family environment, Yulia Sidorov is best at business negotiations.

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

"Mr. Lawrence. What if our company's loan was used to buy a three-month Treasury bond? Do you think the Bank of Scotland would take the risk? Or do you not have confidence in the UK Treasury?"

"Wought, I'm sorry. Miss Sidorov, are you saying that the purpose of your loan will be for the purchase of gilts?"

"Yes, that's it. ”

Yulia is relatively short in stature, but because of her rich material life, she naturally does not affect the bad.

Lawrence's eyes involuntarily glanced at Yulia, and a long-lasting four words popped out of his mind. To buy state bonds at the interest rate of the loan, such an idiot would be good for a bunch every day, but it's a pity that this young lady is so beautiful.

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

Maybe everyone has their own opinion.

They are at different levels, and they will extend according to their own level and think that they think the most profitable way.

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

Or a banker, he may think that opening his bank all over the world is the most profitable way.

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

As a super hanger, Shen Jiannan is naturally very clear about this routine. But he knows better that if you want to make more money, you have to have more capital.

The purpose of the European Community's monetary unification is to get rid of dependence on the dollar, but as the hegemony of the dollar, how can the power of the dollar be weakened, and for the United States, the influence of the dollar is the fundamental of the country.

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

Guided by people, restricted by potential.

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

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

But with the assets of Capital One's mere $2 billion, if you want to win a big victory in this doomed ending, according to the conventional operation, I am afraid that you can only drink a little bit of water behind the global capital.

It's a terrible feeling.

Unless, there is a super magazine that can be refilled with bullets indefinitely.

The wisdom of the Chinese people has never been to be underestimated.

Even in the capital game, when the Chinese people really play, Wall Street, which has a century-old financial history, is ashamed of itself.

For example, the later 10,000 sweet dreams, and then the later Wenzhou real estate speculation group.

Archimedes once said.

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

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

Well, Mr. Archimedes, this triple leverage is lent to you. The next day, when the financial markets opened, Archimedes had a net loss of two earths.

It's a sad story.

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

The British have used leverage, the Americans have used leverage, and they say they have used leverage.

However, if you really want to say who is the best at using leverage, who can play an ordinary leverage, Zhejiang people have the most right to speak. Ningbo death squad, Zhejiang real estate speculation group, and capital players all over the world can only be embarrassed in front of them.

A house, mortgaged by the house, bought with a loan, remortgaged with the house, and then bought a house.

Wenzhou real estate speculation group deeply harmonized the meaning of Archimedes's words, and perfectly used him in the mode of capital operation. In the words of Wenzhou people, an investment without leverage is not a good investment, and a speculator without leverage is not a good speculator.

As a result, a pry into the operation of real estate came into being.

CCTV reported on a Shenzhen speculator, "1 million becomes 50 million in two years", in this case, the secret of Mr. Li, a Shenzhen investor, to increase leverage is.

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

And so on.

How to play it

Li Xiansen invested 1 million in his first house and found that the house price was rising very fast.

Then, he used the house in his parents' name to add a mortgage, and then, the indicators of his relatives were also borrowed to buy a house.

Dwarf oil, not bad~,

Through the continuous increase in mortgage loan rolling, in this round of real estate super bull market, the market value of the real estate in Li Xiansen's hands reached 50 million at its peak, which is really a lot of money, and it is impossible to count.

Is this amazing?

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

What's more, you can use this leverage indefinitely.

Theoretically, the investment of one property can buy a hundred or even more than a thousand properties.

They bet against the bears, with the banks, with the policies, and almost played leverage to the extreme of the universe.

Take a look at the ideas of these speculators.

Now that the British economy is in a downturn, England is extremely eager for the release of money, and in this case, if you pledge gilts to banks, you can borrow the equivalent of the pound sterling.

With the total assets of Capital One, in twenty dollars, at the exchange rate of 1:1.875 to the pound sterling, how many pounds can he borrow?

Three billion or seven billion?

NO。

It's unlimited.

Theoretically, it could be a trillion pounds.

is also a Chinese, who is worse than others in the study of leverage.

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

Although the three-month yield is not high, it can almost make up for the interest rate of commercial bank loans, and then go to the Bank of America to mortgage and buy US Treasury bonds and borrow pounds.

God knows how many pounds can be leveraged.

Of course, there will definitely be a little bit worse in terms of returns.

Heavy or?

It doesn't matter at all.

In Thailand, Thomas Thomas Conn, like a salted fish, holding a hemp bag and a few bodyguards, shuttled through various commercial mansions in Bangkok.

The scorching sun is in the sky, and sweat is like rain.

The hemp bag was already full, and it made people feel particularly tired.

Money.

It's all money.

180,000 properties, almost every day to collect money, although evenly shared, but the daily rent is still astronomical.

In the central affluent area, Thomas Conn walks into a luxurious villa with a sack.

Who knows, as soon as he entered the door, Annie, a popular female star in Thailand, accidentally fell into his arms.

"Hey. It's a sin to be a landlord. ”

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