"Old Han, are you saying that this news is fake?" Chu Chanjuan was stunned and didn't know who to believe.

"I don't dare to assert that it's false, but it's definitely not as exaggerated as it seems. ”

"But there are noses and eyes on this, and screenshots ......"

Han Xiaowu felt that this was an opportunity, and felt that if he hid and tucked it again, the young lady of the United Front might really be abducted by someone like Liu. So he put down his mobile phone and analyzed it slowly: "The bank asset management mentioned in this news sounds very lofty, but in fact it is only the manager of the interbank business department of a branch, or even the vice president of the department. Because the interbank business department is not only wealth management, but also its business areas also include interbank deposits, bank-finance cooperation, fund depository and bills, etc. If you rank according to the rank in your system, he is equivalent to a deputy section. ”

Liu Zhiwei reacted: "Brother Han, so he has no right to decide whether to invest or not, even if the female saleswoman of the investment bank really sleeps with him, it is useless?"

"He has the right to decide not to vote because he is the first hurdle there, but he doesn't have the right to decide to vote. Han Xiaowu smiled and continued: "No matter which bank or brokerage, if you want to decide to buy a bond with a return rate of only 4.85% and a medium risk, you need at least more than 20 approval procedures, such as the internal approval of the interbank business department, the approval of the legal department, the approval of the risk control department, the approval of the vice president in charge, and even the approval of the branch president.

After the internal approval of the branch, the same process will be sent to the head office for another round of review, and more departments may be involved. If the risk is too large after the comprehensive assessment, or the return is too low, any one of the links and departments may be stuck. When it comes to risk control, no one will joke about their jobs. It is impossible to think about how to get through so many links with a single asset manager. ”

Without waiting for Liu Zhiwei to ask, Chu Chanjuan asked in surprise: "Old Han, how do you know the rate of return of Ruihai bonds? How do you know the risk of Ruihai bonds?"

Han Xiaowu felt that there was some truth in the words of "King Kong Barbie Doll", and if you want to chase others, you should be honest, at least partially, and said lightly with a wine glass: "Because I also voted, but I didn't vote much." ”

"How much is not much?" Chu Chanjuan asked subconsciously.

"Four million, I invested all the savings in the past few years. ”

"So you're a local tyrant! No wonder you always say that being idle is also idle. Forget it, I won't buy today's order, I'm going to fight the local tyrant!" Chu Chanjuan stood up with a half-anger and half-smile, and glared at him with wide eyes.

"I said I would pay for it, but you wouldn't let me. ”

"Now let's go!" I said Lao Han, how much else do you have to hide from us? Are you worried that Minister Ye, Xu Ke, and I will let you have a treat, or will we borrow money from you?" Chu Chanjuan became more and more angry the more she thought about it, but it was inconvenient to attack on the spot, so she could only pretend to ask for the life of the entire department, her willow eyebrows were upside down, and she asked questions like a cannon.

"I didn't want to hide it from anyone, and it's not a shame. Han Xiaowu glanced back at Liu Zhiwei, who was stunned, thought about it and looked at the United Front lady with a smile and said: "You have never asked me this, I can't run to show off to you, I actually have some money, I bought Ruihai four million bonds, and now I am a creditor of Ruihai Group and even the Anhai Municipal People's Government, right?"

Liu Zhiwei relieved himself and secretly scolded himself for thinking that the MBA of the University of Hong Kong could not really go to work in the community, and secretly thought that he was really a pig and a tiger!

I'm not in the same rank at all, so what now?

Liu Zhiwei realized that the trouble was big, and hurriedly returned to the original topic: "Brother Han, you just said that the news that broke on the Internet is false, but you also said that Ruihai's bonds are risky and the rate of return is not high, so why does the bank still invest, and it is hundreds of millions of dollars in one investment?"

"Yes, since the bank knows this, why do they still invest?" Chu Chanjuan also felt that the news that broke out on the Internet was not groundless.

"In fact, Ruihai's bonds not only have a low rate of return, but also have a long cycle, neither two-year nor three-year, but five-year! As for why banks are willing to invest, I think there may be political factors, such as they have to actively cooperate with local requirements to promote regional economic development. It may also be found that the risk of Ruihai bonds is not so high after evaluation. ”

Looking at the two of them who seemed to understand whether they understood or not, Han Xiaowu added: "Urban investment bonds like Ruihai have been issued too much across the country in recent years, which is the so-called local debt. But apart from the investment bank, no one will come to Anhai to do due diligence, and not everyone will carefully study the materials provided by the investment bank. Some funders may think that Anhai is similar to other county-level cities, just demolishing the east wall to make up for the west wall, and want to borrow new debts to repay old debts, and they do not understand the current situation, advantages and prospects of Anhai's economic development. ”

"You know the details, so you voted?" Chu Chanjuan asked as she stared at him.

"Almost, anyway, I'm very optimistic about Anhai's development prospects. ”

"Why do you think so?"

"First of all, there is a location advantage, with the opening of the bridge and the high-speed railway, it can fully connect with the south of the Yangtze River and even the East China Sea; basic education is good, I don't know other places, but just our Taitung, there are many people who come here to buy a house, so that their children can go to school in Anhai; more importantly, Anhai people are hard-working, and the leading cadres are also very dedicated, just like Director Liu just now, as soon as the businessman sent a WeChat, everything was put on hold, and he immediately replied. ”

"Boss Han, you have studied our Anhai very thoroughly!"

"What you ours, I'm a Xinanhai person now. ”

"So you don't have to do anything, you can earn nearly 200,000 a year. Ruihai is helping you make money, and those of us who work in the government are working for you?"

"I can't say that, I'm not getting it for nothing, I bought Ruihai bonds, which is equivalent to investing in Anhai. Didn't you ask me last time how much I have contributed to society, I think investment is contribution!"

Seeing that Liu Zhiwei wanted to speak and stopped, Han Xiaowu felt that he should be low-key, and returned to the previous topic: "All in all, Ruihai's debt is not something that a female saleswoman in an investment bank can promote by beauty. In that circle, beauty is indeed a scarce resource, but it is not as valuable as those on the Internet imagine. It can be said that beauty is at most just a pass, not an ordinary equivalent.

What's more, for a bank asset manager with an annual salary of one million, there are more people who want him. If he just wants to be beautiful, even if he doesn't make promises, he can still deceive sex. How could it be that in order to sleep with a female saleswoman, you have to worry so much, and even risk losing your job to tell the story to each approval link!"