Chang Tianhao was very aware of the famous Hong Kong financial defense battle that happened in August 1998, and he was extremely eager to participate in it and make a quick buck, but after thinking about it some time ago, he gave up for various reasons: first, there was no suitable channel, and no overseas futures company came forward to do it; second, the capital was not enough at the beginning, so he was happy to accompany the girl to read books in Xinhua Bookstore recently.

At present, Gao Yang's project aroused his initial thoughts.

Of course, there are several issues that need to be resolved before deciding to speculate in Hong Kong, and whether or not you can make money from the defense of August is a trivial matter compared to these - you know the history, how can you do it wrong?

The core issue is security!

Gao Yang kept saying that he would open up business, but Chang Tianhao concluded that this was not a top-down unified deployment of the New Century Corporation, but a sneaky sidekick by the sales departments in various places -- the state strictly forbids the organization of overseas futures business, and once the crime against the wind is discovered, the entire brand of the New Century Company will be killed, so the top will definitely not explicitly or explicitly promote it, at most it will condone or acquiesce. 20 years later, under the strict risk control spell, there are also the bosses of the sales department who secretly engage in capital allocation and non-compliant valet financial management.

As for why the southern department is capable, it is because they themselves have Hong Kong-related business, and in Shenzhen, the time, place, and conditions are completely different, and they cannot be compared.

If Chang Tianhao wants to participate in this project, he must first ensure safety.

He will never agree to convert the money into Hong Kong dollars and inject it into an account that he does not know where he is opened; in the event of a case or someone cheats him, the income of the account will be wiped out at least, or the entire account will disappear at the worst, so where will he go to cry? Only by adopting the system of mortgage in two places, daily mark-to-market, and daily settlement can we ensure that the benefits are maximized -- it is a big deal to lose the last day's profits, and other assets are still in domestic banks or margin accounts, and futures companies cannot do anything. Take 10,000 steps back and say, the principal can definitely be guaranteed.

He wants to make a quick buck, but he firmly puts safety awareness first: with the insight and historical background of his rebirth, it is easy to make a fortune, and he can take less risk if he can take less risk. This is true for gambling, and the same is true for engaging in overseas futures.

No matter what Gao Yang said, he had already made up his mind: if the security guarantee could not be fulfilled to this extent, he would never participate. But now that the other party is soliciting opinions, the straightforward refusal is a bit indelible, whether to put smoke bombs or smoke bombs.

After thinking for a while, he said: "Don't hide it from my brother, I do have interest, but I am not familiar with overseas real operations, and I have never seen the operation interface and market software, so I have to adapt to it before I can draw conclusions." ”

Gao Yang said with a smile: "There is indeed a difference with the mainland, SP software with English interface, but it doesn't matter, with the level of junior and younger students, English must be understood, and you can get started in 2 minutes of training." I brought back the relevant software and operating instructions this time, and I will find a computer to install and try it out. ”

Then he turned his head and explained to his subordinates: "You should focus on training project customers, and select colleagues with good English as training lecturers." ”

5 minutes later, the caller came back and whispered a few words in Gao Yang's ear, and the latter said to Chang Tianhao with a smile on his face: "Senior brother, after communication, the southern department agrees in principle to this set of operating methods, and they also have internal communication with the other party, and the other party initially proposed a monthly interest of 3 cents, and finally decided to give a reply in the afternoon, what do you think?"

[Note: cents are used in interest calculation, the meaning varies depending on the term, annual interest rate 8% = 8%, monthly interest rate 8% = 8 thousandths, daily interest rate 8% = 8 ten-thousandths, in the same context, cents = 10 percent]

Chang Tianhao smiled, and instantly became a little wary of Gao Yang's routine: The seniors who graduated from the Hujiang Finance Department, if they can't even think of the method they just mentioned, it must be nonsense.

And he suddenly woke up: just now someone obviously wanted to explain, but was interrupted by Gao Yang after waving his hand, indicating that they either had plan B or had discussed it yesterday. The reason why I didn't talk about this plan B at the beginning is because plan A is more beneficial to the operator, and it will get 15% of the net profit at once, and there is no need to risk the underground black market and the flow of money, what business can be faster than this?

In contrast, Plan B is converted to lending, which theoretically has a larger total return, but it takes a long time - it is a good business with a long stream, but it does not meet the idea of making quick money.

The fact that his subordinates came down to report so quickly confirmed the inference: the other party was prepared, and the so-called telephone communication was just a trick. It is exactly the same as the routine of later generations of sales consultants who always fooled customers to apply for the approval of the supervisor, the manager, and the president's special approval in order to achieve performance. Whether this price can be sold or not, the sales representative is not clear? The reason why I say this is nothing more than a psychological hint to the customer. Talking about applying, the ghost knows where to go to rest.

This set doesn't work for him!

Chang Tianhao's analysis is good, the exchange rate difference as a whole presents a state of four horses: the southern company (mainland agent) shares, the new century (local push) shares, the third party (the owner of the father) shares, the Taihe company (landing undertaking) shares, Taihe because of the handling fee income, in the capital profit share. The overall profit of 15 points is almost distributed by all parties according to the ratio of 3:4:6:2.

If there is no benefit, why should Gao Yang promote this project?

Hearing the reply of 3 points per month, Chang Tianhao frowned and thought about it, and said seriously: "Senior brother, this interest rate is a little higher." At present, the domestic one-year deposit interest rate is only 4.77%, and even if it is a private loan, the annual interest rate is not much more than 2 cents. The monthly interest rate is 3 cents, which is equivalent to more than 4 cents after annualization, and the interest rate in Hong Kong has always been a little lower than that in the mainland, which is ......"

Gao Yang frowned: The monthly interest rate of 3 cents was agreed upon by all parties in the second set of plans, and there was some room for bargaining, but it was very troublesome to make a big move.

"How do you think it's acceptable?"

"Although the Hong Kong Monetary Authority continues to raise the Hong Kong dollar overnight interest rate (daily interest), but it is only 2.8%, I think it is acceptable to add 2 points on the basis of the overnight Hibor (HongKong InterBank Offered Rate, Hong Kong interbank offered rate) - 5% per day, no matter how high the customer also has ideas, after all, there are domestic assets collateral, the risk is very small......"

[Note: The Hong Kong interbank interest rate is called Hibor, and similarly, Shanghai is called Shibor, and London is called Libor]

Seeing that Gao Yang was still thinking about it, he said: "Of course, the project has to make money, and everyone wants to make quick money, but if the monthly interest rate is set at 3 cents, the customer's funds will lose 4% in a year, and the exchange rate difference will lose an additional 15%, which is equal to more than 6% of the friction cost. If the pumping of the Macau casino is too high, the customer will not go, brother, the trickle is long......"

Gao Yang glanced at Chang Tianhao and nodded meaningfully, but the whole was noncommittal.

Swept away by this gaze, Chang Tianhao suddenly became alert: his performance today was too outstanding, this is not to discuss the pros and cons of the project with the supervisor in the company, but to participate in the consultation as a customer. What's more, it is a freshman, but in fact, it is still a freshman to be reported in September, and the better the performance, the greater the suspicion - who can be so familiar with the Hong Kong Monetary Authority and Hibor?

But after thinking about it, he didn't take things too seriously: Gao Yang is not a school leader, if he feels unhappy, he can change places and continue to open an account, 500,000 yuan is worth in hand, he doesn't believe that he can't find a place to open an account in Shanghai, what if Hong Kong doesn't do it?

Anyway, he made up his mind that he wouldn't do it if it wasn't safe, and he wouldn't do it if it wasn't advantageous - in fact, he didn't plan to do it for the long term, but he still had to fight for the benefits he should strive for.

The daily interest rate of 5% is only a little over 1 and a half cents per month, which is equivalent to directly cutting the offer just now in half, Gao Yang is difficult to agree, but he can't refuse directly, and after being silent for a long time, he said: "Senior brother, what you said also makes sense." I'll communicate with the Southern Company in the afternoon to see if there is any workaround. Or you open an account first, pass your information over first, and then talk about deposits and withdrawals and interest after opening the account. ”

"No problem, all the information is available here in Xiaoqin. ”

Then the two sides conducted a live demonstration around the market software and trading software, and Chang Tianhao quickly became proficient - now this period is really the golden age of investment, a team of personnel revolves around customers, which is like 20 years later, when the stock market is hot and the transaction is blocked, the brokerage bird is not a bird, and then beep you to cancel the account......

Seeing that everything was about the same, Gao Yang looked at the time and greeted warmly: "It's 11:45, junior brother, let's eat first, and then talk when we come back." ”

11:45?

Worst!

Cheng Cheng is still waiting in the bookstore!