On the eve of Chinese New Year's Eve, Uncle Ding Jianye returned to Haizhou. After Ding Le's grandparents passed away, his uncle dropped out of high school before graduating from high school to break into society, and he didn't have much contact with his family on weekdays, and only came back to visit his brothers and sisters during the Spring Festival every year. This time he came back with a lot of high profile, driving a brand-new BMW 7 Series sedan, not only bringing rich gifts to relatives at home, but also booking a private room at the Shangri-La Hotel, and having dinner with the eldest son of the Ding family at noon on the first day of the new year.

Strictly speaking, this is also the first time that Ding Le has seen other relatives of the Ding family after his rebirth. Last time in the hospital, Ding Le was in a half-conscious state, and he didn't remember which relatives came to visit him.

Aunt Ding Le, second uncle, and third uncle all work in government agencies, and their family backgrounds are okay. Most of the cousins are studying and working in other places. It took Ding Le more than half an hour to match the relationships between the characters one by one.

Everyone was surprised that Ding Le was promoted to branch president, and when the uncle said that he had invested in stocks under Ding Le's guidance and obtained tens of millions of returns, everyone became dumbfounded.

Ding Le can only use luck to fool him through, and Ding Jianye's ten-fold leverage can only be attributed to his own courage or gambling.

Everyone can accept Ding Le's rhetoric, and Ding Jianye has always been the kind of person who insists on going his own way in their eyes.

When it comes to the stock market, everyone chats one after another, Ding Jianye sees that everyone is also enthusiastic about stock speculation, he took the initiative to mention that if anyone in the family wants to invest, he can manage it on his behalf, and the amount of the account is the best persuasion. Regarding Ding Jianye's thoughts, Ding Le can roughly understand that wealth does not return to his hometown, such as a night trip in clothes.

Ding Jianye took everyone from the Ding family to invest together, and Ding Le also agreed in his heart, it is much better to hold the funds in the hands of the uncle than it is for them to be tempted now and impulsively take over at 6,000 points.

On the first day after the Spring Festival, the Shanghai Composite Index fell sharply, and such an adjustment is also a good opportunity to get on the bus. After a short correction in the market, the Shanghai Composite Index will soar all the way to 4,300 points within 2 months.

Taking advantage of the market adjustment, Hudong Heavy Machinery also pulled back and fell for several consecutive trading days, but the decline did not break through the 20-day moving average, and the upward trend was not destroyed. Then there will be several months of sideways, breakouts, sideways, with the gradual frenzy of the market atmosphere, there are very few shareholders who can stick to the end on Hudong Heavy Machinery.

On the first day of the Lunar New Year, Ding Le took a day off, and on the second day of the Lunar New Year, Ding Le appeared at the door of the unit on time.

In the first three days of the new year, the branch business is usually not busy, people are busy visiting relatives and friends, and the teller says that it is work, but in fact, it can also be regarded as a vacation.

People have no foresight, but they must have near-term worries. Ding Le used the free time of these few days to sort out the business development of the sub-branch in the future.

There is no need to worry about the "good start" competition for the Spring Festival, but it is still necessary to plan carefully for the performance of the whole year.

For Taiping Sub-branch, it is important to organize deposits, but it is the loans that create benefits.

Taiping Town is mainly engaged in farming and breeding, and customer loans have a certain seasonality. When Ding Le first came to Taiping Sub-branch, he found that there was a mismatch between the customer's loan and his business project.

After the expiration of the customer's loan, raise funds to repay the loan, for the need to renew the loan, the customer manager will conduct an investigation, organize the materials to be submitted to the head office for approval, and then notify the customer to handle the loan after the head office approves it, which will take a week at the earliest, and it will take half a month normally.

When many customers need money, they can't wait so long, so they will choose private loans and repay them after the loan is approved.

This method is easy for the branch to cause the loss of customers, or the purpose of the customer's loan is not true, and for the customer, it will have to pay more loan interest.

In this regard, Ding Le drew on the management experience of his previous life and proposed a model of early credit.

For the high-quality customers of the sub-branch, before the loan expires, the customer can continue to apply for the loan on the second day of the loan repayment, which improves the loan issuance cycle and solves the pain points of the farmers applying for loans.

At present, Haizhou Bank still adopts the traditional mortgage approval model, and if the loan is approved in advance, Ding Le needs to fully communicate with the credit department of the head office.

Before communication, the first thing to do is to prepare for it, that is, how many customers of Taiping Sub-branch can meet the conditions for early credit.

For those ordinary customers who do not meet the requirements of early credit, Ding Le proposed the idea of closing within a limited time, through the investigation and reporting process of short-term loans, it must be completed within three working days at the branch level, which can greatly shorten the time for customers to renew loans.

Starting from the seventh day of the first lunar month, the business of the sub-branch began to gradually return to normal.

Ding Le gathered everyone together for a good start sprint meeting, at this time there is still one month before the end of the first quarter, and during this period, if you want to achieve 100% growth in performance, you still need to work hard.

After the holiday, as customer deposits may decline, Ding Le reminded everyone not to be overly optimistic and to be mentally prepared in advance.

Before the Spring Festival, there were already branches imitating the marketing model of the Taiping Branch, and several other bank outlets in Taiping Town have not taken action for the time being, but Ding Le firmly believes that it will not be long before everyone will be like this.

At the same time, from a macro point of view, with the frenzy of the stock market and the rise of the property market this year, residents' awareness of savings will gradually fade, and people's deposits will become less and less.

Therefore, he proposed to increase the distribution of fixed deposits and reduce the distribution of wealth management and funds. For customers with fixed deposits, as long as they make a deposit, they will send toiletries, and for customers with deposits of more than 50,000 yuan, increase the number of oil and beige feeds.

At the meeting, in addition to the opening competition, Ding Le also talked about the goal planning for the whole year and his thoughts in the past few days.

Although he is still the interim head of the company, he himself has long regarded himself as formal, and employees have recognized and accepted his management model and leadership methods.

Several account managers agreed with his concept of early credit extension and time-limited settlement.

Doing so will increase their work intensity, but it will reduce risk and improve performance, and everyone will be discerning.

At work after the holiday, Xia Xiao told Ding Le an unexpected decision, she planned to review for graduate school.

She has always had the idea of going to graduate school in college, but due to the family environment, she had to give up, and finally chose employment to alleviate the burden on her family.

After Ding Le came to the Taiping Branch, he took her to invest in stocks together, at first she was thinking of investing a little with the idea of testing the waters, but she never thought that she planted a seed, and it didn't take long for it to grow into a towering tree.

That night, after Ding Le told her about the current investment income, she was also thinking wildly, thinking that with millions of income, the financial pressure on her family would no longer exist, and the idea of going to graduate school in her heart popped up again, and it was out of control.

After a few days off during the Spring Festival, she went back and discussed it with her family, and her family was very supportive of her continuing to study.

After listening to Xia Xiao's idea, Ding Le also expressed his support, but he felt that it was better to choose a domestic school to apply for the examination, so it was better to start a little higher and choose a foreign university to apply.

In September, after the investment income of the stock market was completely withdrawn, this income was completely enough for Xia Xiao to spend abroad for several years after Xia Xiao subsidized her family.

Xia Xiao didn't expect Ding Le to propose going abroad, and after thinking about it, she found that it seemed to be feasible, so she set a goal and achieved it step by step.

Ding Le was very supportive of Xia Xiao's idea, and he didn't consider what kind of development outcome the two would have in the future, he was just pleased that he could completely change a person's fate.

At this time in her previous life, Xia Xiao had already died, and at this moment, she had lit a new flame of hope, and her future life would be more and more exciting.

Ding Le proposed to Xia Xiao to go abroad, in order to allow her to have more choices at that time, Ding Le decided to increase the operation of the stock market to obtain more investment returns.

Ding Le informed Ding Jianye of his idea of increasing his position by phone, and also reminded him that there may be adjustments in Hudong in the next few days, and if the aunt has funds for him to manage, he can wait for the low point to buy. At the same time, after this wave of adjustments, Ding Le also asked Uncle Xiao to help him find an over-the-counter capital allocation company again, and this time he also had to increase 10 times the leverage.

Ding Le also told Xia Xiao about his plan, and in order to make Xia Xiao believe him, Ding Le decided to perform his "god" level operation.

On the ninth day of the first lunar month, the first trading day of the stock market after the holiday, before the opening of the market, Ding Le placed orders in batches between 70-77 yuan, and sold all 66,000 shares of Hudong Heavy Machinery in his position. In the next two days, Ding Le took out 2 million and Xia Xiao took out 300,000 yuan to buy Hudong Heavy Machinery again, and successively bought 36,800 shares at a price of 62.5 yuan. He also asked Ding Jianye to contact the capital distribution company and added 10 times leverage at an interest rate of 20%.

In this wave of operations, in addition to repaying the loan and interest of 1.8 million yuan from the company, and the second increase in position buying, Ding Le cashed out more than 600,000 yuan, and Xia Xiao cashed out more than 170,000 yuan, and all the funds in the accounts of the two people at this moment are net earnings. Ding Le also joked to Xia Xiao that even if the position is liquidated, we will each earn 100% of our positions.

Xia Xiao gave all the cash proceeds to his parents, which was enough to alleviate the family's current difficulties.

Ding Le sent the money to his parents and prepared to let them buy a house.

When her mother Fang Hongli saw the bank card of more than 600,000 yuan, she was very surprised, and repeatedly asked Ding Le where the money came from, Ding Le explained again and again, and moved out Ding Jianye to testify in desperation, and his parents believed him.

After her mother confirmed that there was no problem with the money, she said happily: "I was worried about Ding Le's marriage and buying a house, but now this kid has solved it himself." ”

The mother also urged: "Since buying a house is on the agenda, you and that Xia Xiao should also hurry up, you take the initiative, and your mother still wants to help you take care of the child as soon as possible!"

Ding Le was distressed when he heard what he said, and his mother's nagging skills were increasing day by day!