"There's no need to rush it, just come over tomorrow. Su Xing said.

"Just today, today, and tomorrow, I don't have classes, you can explain things to me a little tonight, and I can officially work. Xiang Wan sat in the back seat, "You concentrate on driving, and we'll talk about it when we get to you later." ”

Xiang Wan also brought a notebook with her, and she wrote and drew in the back.

Seeing that she insisted, Su Xing didn't say anything more, sent the people who were close to the subway station, and Su Xing drove the car back to the courtyard with Tong Wangjun and Xiang Wan.

"You two are talking, I'm going to make a pot of tea and wash some fruit. Tong Wangjun entered the house, changed into slippers, took out some fruit from the refrigerator, and went to the kitchen.

"Sit down, don't be so reserved, it's not the first time you've been here. Su Xing beckoned Xiang Wan to sit down in the living room, "First of all, your responsibilities are mainly to help me convey orders, pass on some of my requests and replies to the people below, and let them do what I ask, and then remind me that there are some things I may forget, you have to remind me what needs to be done later, and help me arrange my itinerary in the most reasonable way." ”

The main reason for awakening to find the secretary is to let the secretary help him convey the instructions, so that he doesn't call one by one, which is too tiring and troublesome, and how the people below are implementing the instructions of the awakening, these should also be slightly supervised by Xiang Wan.

"No problem, it's easy. Xiang Wan nodded.

"You wait for me, I'll go get a document. Su woke up and went to the study to get a document, and came out to give it to Xiang Wan, "There are some contact information in this document, you write it down." ”

The document is not an important document, but the contact information of Yan Zhiqin, Su Yujin, Zhang Jinsong and other important company leaders, as well as some of the company's main business directions and financial issues.

"Let's have some fruit first. Tong Wangjun brought up the cut fruit and put it in front of Xiang Wan, "Eat something." ”

"No thanks. Xiang Wan opened the file and looked at it carefully.

Wake up and pick up a banana and take a bite.

"This banana is not bad, when it is ripe, it must be eaten immediately, and it will be spoiled in two or three days. ”

Awakening didn't bother Xiang Wan, just waited on the side, drinking tea while answering Xiang Wan's occasional questions.

Sitting at this angle and looking at Xiang Wan, I can't tell that Xiang Wan is still studying, and people who don't know think that she has already left society and is working.

Mature, serious and driven.

Very good quality.

"I've read it all, and I've made notes on important places, so I won't take this document with me. Xiang Wan was very measured, closed the file, and put it back in front of Su Xing, "Looking at the document just now, I found that the main industries under your name are the following aspects, catering, Internet, real estate, and wine and entertainment industries. ”

"That's right, it's mainly the business of these industries. Su Xing nodded, "The Internet and real estate are the trends of the future, both of which can bring huge profits, if you have cash in hand, you can buy a house first." ”

"I heard Yang Yixin say this, and she told me that you always mention it to them, so that they can buy a house if they have money in their hands. Xiang Wan smiled and said, "Are you so optimistic about China's housing market?"

"It's not necessarily a good thing to be optimistic, it's more helpless, I don't want the country to take real estate as a pillar industry, but real estate can contribute to GDP, and it doesn't take much effort, mortgages, and land sales. Wake sighed.

He has talked to many people around him about this topic, leverage can make the market look very prosperous, but when the leverage becomes larger, it is easy to form a bubble, which is not a good thing for the country and the people.

Xiang Wan looked at the awakening, and still didn't quite understand.

"Let's take the house as an example, three or four years ago, the house price in Jiangcheng was only about 2,000 yuan, but now it has risen to four or five thousand, several times, and it will continue to rise, and the bank has relaxed a lot in terms of loans. Su Xing said, "Whether it is to lend money to ordinary people, or to real estate developers, it is much more relaxed than before, the result of this is that many bosses who want to invest in real estate do not have enough funds in their hands, but they can get loans from banks and invest in the real estate industry, why are these real estate bosses willing to take risks to go to the bank for loans, buy land and build houses, isn't it just to make money? Real estate developers want to make money, repay bank loans and interest, he must make money, where does the money come from? It must be found from the top of the house, and the house price will definitely get higher and higher. ”

"The bank acts as a leverage in this, assuming you have 100,000 yuan in your hand, under normal circumstances, you can only buy 100,000 yuan of things, but when you buy a house, you can make a down payment of 100,000 yuan, take out a loan of 300,000 yuan, and buy a house of about 400,000 yuan, which is equivalent to buying an actual 400,000 yuan with 100,000 yuan, this is the leverage effect, the bank that provides leverage, although there are still 300,000 yuan you have to pay back to the bank, but when you buy a house, you can get a house of 400,000 yuan at the cost of 100,000 yuan. ”

"Isn't that a good thing? It gives some people more options, and if they don't get a loan from the bank, they may have to save up for years to be able to save that much money to be able to live in a new house." Xiang Wan said, "bank loans to real estate developers, real estate developers want to get returns from consumers, will definitely increase housing prices, but there must be a dynamic balance in the number of people willing to buy houses, and the number of houses will form a balance with the number of population, when the number of houses reaches a certain level, oversupply, housing prices should be flattened down, real estate has indeed developed very strongly in recent years, housing prices have risen sharply, but there are a few years should not rise." ”

Su Xing smiled, shook his head, took a sip of tea, and poured a cup of tea for Tong Wangjun and Xiang Wan.

"What's wrong, am I not right?" asked Xiang Wan.

"According to normal logic, it is indeed your prediction, oversupply, housing prices should fall, but this thing is different from agricultural products, there are more agricultural products, the year before last can be sold for two or three yuan of things, this year may not be sold for five or six cents, if it falls, it will fall, it will not have much impact on the country, farmers can still have something to eat, starvation will not die, but real estate is different, there is a bank behind the property, what is the unit of the bank? That is a state unit, if the bank goes bankrupt, can the national economy still be stable? The bank lent money to those real estate developers, and if the real estate developers can't recover their costs and can't pay back the bank's money, what will happen if you think about the consequences?"

"The state will never allow this to happen, so house prices will only go up less sharply, not down, and they won't fall until there is an alternative real estate industry." ”

"Food, clothing, housing and transportation are the foundation, if the housing price is too high, people's living standards will definitely decline, and when the time comes, it will cost hundreds of thousands of yuan to buy a house, which will be tiring. Xiang Wan said.

"Hundreds of thousands of yuan?" Su Xing smiled, "You are still too young, hundreds of thousands of yuan is still low, if you really want a house, it is only hundreds of thousands of yuan, most people can still get it if they work hard, the key is that many houses may eventually rise to millions, tens of millions, or even more than 100 million, even if it is a small county with more than ten lines, a house will cost millions." ”

"Man, it's not easy to live. ”