What is the concept of a 4.5 percent interest rate differential?

Belch...... Actually, it's nothing, that is, to make God crazy. Later, when the benchmark interest rate of banks was 4 percent, Shen Jiannan packaged and sold many wealth management product packages, and the income of 8 percent was more than 3.0 percent higher than that of commercial banks.

Outcome?

Every listed wealth management product package, although it is always complained and abused, there is still an endless stream of people who buy it. Even, there is often a list of the same customers appearing in it. In the era of the benchmark interest rate of banks at 2.0, the interest rate of commercial banks has dropped to 2.8 percent, and the wealth management product package issued by a well-known Internet platform is expected to absorb hundreds of billions of funds in a few days.

In addition to the state-owned fundamental banks, commercial banks have the possibility of bankruptcy and bankruptcy, not to mention the Internet platform, but only 2% of the interest rate spread, there are still many people yearning for this.

So what happens if it's the minimum risk-return difference between the National Bank and the National Bank?

Helsinki.

Minnie Littlemanning put her arms around her lover's sturdy body and told her husband what he had said.

He said that keeping money in a German bank can earn more than four percent more per year than a bank in Finland. ”

"Oh my God. Is this true?"

"Hmm. That is true. The Bundesbank raised interest rates not long ago, and now the deposit rate has reached more than 5 percent, and some commercial banks will have even higher interest rates. ”

"Hell. Our deposit rate is only 1.5 percent. No, I'm going to give her a call. ”

“......”

Relationships between people...... It's complicated, in terms of the theory of six degrees of space, if you know one person, then you probably know the whole world.

Of course, theories are just theories.

But if a person has a wife, a lover, a friend, a brother or sister, he will spread the news to the whole world like a virus at an unimaginable speed.

Finland is fried!

Like a bomb, it exploded in place on the calm surface of a lake.

Postal Savings Bank, one of Finland's five largest commercial banks, recently announced a restructuring and split due to the outbreak of bad debts due to the downturn in the real estate market.

But the behavior, behind the Postal Savings Bank is the National Bank, and with the new asset injection, the Postal Savings Bank has been revitalized again.

Helsinki, Herris Strasse Business Centre.

Early in the morning, Manning rushed to the bank to get ready for work, and when he walked to the bank, he was stunned by the situation at the bank. Dozens of people, for unknown reasons, lined up in a long line, holding deposits or bank cards in their hands, as if they were about to withdraw money.

Finns don't like to join in the fun, and it's hard to see so many people, even at the bus stop.

Manning was a little confused by the inexplicable situation, but he didn't think much about it, the Postal Savings Bank had just undergone a restructuring and split, and it was normal for many residents to worry about the credibility of the Postal Savings Bank.

Soon, the bank doors opened on time with the security guards.

When Manning walked back from the backstage to the counter, he started the day with the most gracious smile.

"Hello. Help me get all the money out of my bank card. ”

"Oh. No problem. ”

“......”

Thirty thousand marks.

After the depositor entered the password, Manning skillfully operated the computer and took out the depositor's money and handed it to the customer.

One, two, three, four......

Gradually, Manning felt that something was wrong, and it seemed that today, there were many more customers withdrawing money than depositing money.

For ordinary Finnish people, many people don't know what the impact of interest rates will be on individuals, but no one will be able to sit still knowing that they don't have to do anything, just get on a plane and go out for a trip, and they can earn an objective income every year. It's just that ordinary people, like mud legs with mud on their feet, don't think about the emperor's dreams, they will only think about the gains and losses in the bowl, they can get more benefits, they are already very satisfied, and they will no longer ask for anything to get rich.

For professional speculators, professional financial practitioners, the heart, must be greedy.

To borrow the words of a well-known speculator, if you want to make a million in your life, then work honestly, in a lifetime, you will definitely earn a million, if you want to make 10 million, then invest in securities, a high-quality stock, can make you earn tens of millions of income in your life.

However, an investment with equal risk and return is already a good investment, and how high the investment is, how high the risk must be beared.

Professional speculators, are they afraid of risk?

No, they are never afraid of risk, they are only afraid of no profit, and in order to obtain higher profits, they have to be more professional than many ordinary people.

Canary Wharf, London.

Zlatan Ibrahimovich sat in his office, holding a coffee and boringly flipping through newspapers bought from the street, he is a professional securities trader, but in the past two years, the situation in the British stock market has not been very good, and his work has become a little boring.

The Sun is one of Ibrahimovic's favorite newspapers, and although it is caricatured by many as low, lewd, and vulgar, the modern three-point girl in the newspaper is always pleasing to the eye.

Yes, they are still well-known models.

Ibrahimovic doesn't care about the high-sounding intellectuals and hypocrites, and as far as he knows, even university professors read The Sun.

Taking a sip of coffee, Ibrahimovic shook off the newspaper, crossed Erlang's legs, and habitually leaned back in the office chair, ready to admire the hot figure of the three-o'clock girl.

Be wary of the devaluation crisis that exists in the Finnish mark.

Author, Shen Jiannan.

The face of an oriental face attracted Ibrahimovic's attention, and he read the contents of the newspaper with a little curiosity, knowing that it was unbelievable that an Oriental could be in a newspaper in England.

"The barometer of the economy of the stock market, as can be seen from the Helsinki HEX in Finland, shows that since June 1991, the stock market has fallen by 40 percent from its year-on-year high. .....“

“.......”

"The Bank of Finland has decided that it will cut its benchmark interest rate by 0.5 percent. ”

“......”

"Finland is on the verge of a tipping point of unsustainable economic growth. ”

“......”

"Not long ago, the Bundesbank raised its benchmark interest rate, and the central bank's implementation rate reached 5.6 percent, and the interest rate of commercial banks even reached 6.3 ......."

“......”

Before he knew it, Ibrahimovic's laid-back and laziness turned into nervousness, and his body leaning on the office chair collapsed.

spreads, more than four percent.

My God!

How is this possible?

Bang bang bang –

With his acumen for the market, Ibrahimovic sensed a great fortune beckoning him, and he hurriedly dropped the newspaper, picked up the phone and dialed a German number.

Soon, the phone was answered.

"Hey. Hello, I'm Royce. ”

"Royce. What is the benchmark interest rate in Germany now?"

"Zlatan, why are you calling me at this time? 5.6 percent, what's the problem?"

What's the problem?

It's a big problem.

"Dude. Listen to me, I found an opportunity to make a fortune. Finland's benchmark interest rate is now only 1.5 per cent. But the Finnish mark is pegged to the exchange rate, and I have inquired, and now the interest rate of the Bank of Finland on foreign loans, high-quality assets, is only 4.5 percent. Think about it, if we borrowed a large sum of money from Finland and deposited it in a German bank, how much money would we make every year?"

“......”

In the early 90s, when the Internet was still in its infancy, it was still a dream for information to spread all over the world in a second and let everyone know, so there would be an information gap between different levels.

But what if this information gap is smoothed out and completely torn out in front of everyone?

Finland exploded.

It's like a super bomb dropped on the surface of a calm lake and detonated in an instant.