Seeing Jin Lingling go away, Chen Yubo said to Pang Jindong: "Mr. Pang is so extraordinary at a young age, and he has made a career, which really makes us old guys ashamed of themselves!"

Chen Yubo is never stingy with praise for useful people. But this time, his sugar-coated cannonball hit the wrong target.

Although Pang Jindong is not very old, due to his life experience, his psychological age far exceeds his actual age. has experienced strong winds and waves, and has a mind that is not shocked, and he knows Chen Yubo's purpose, so he has no feeling for this compliment. It's just that on the surface, Pang Jindong still needs to pretend to be humble: "Director Chen has really won the award, and my junior can't afford it." There are a lot of things I have to learn from Mr. Chen. ”

"Alas......" Chen Yubo waved his hand and told Pang Jindong: "Don't call me Director Chen, it seems too foreign, let's call me uncle!"

"Okay, Uncle Chen!"

"Normally, I like to pay attention to some things in society, so I have heard about you. Chen Yubo walked to the table, picked up two cocktails, handed Pang Jindong a glass, took a sip in the other glass, and continued: "You are the second largest shareholder of Zurich Bank, which is amazing, this is something that many people dream of but do not do." ”

"I don't think I'm talented, I just have a good opportunity!"

If it were some people, they would probably be interested in asking what Pang Jindong's so-called "opportunity" was, but Chen Yubo was not so shallow: "With the acceleration of the process of economic globalization, the financial markets of various countries will have more and more influence on each other, and they will continue to penetrate each other." The current situation is that foreign capital continues to be injected into the country, and domestic capital should also go out, but it is a pity that it is difficult......"

Chen Yubo paused when he said this, carefully observing Pang Jindong's expression.

Pang Jindong took a sip of wine and said indifferently: "It can't be said that we haven't gone abroad, in those developing countries that are lagging behind us, our development is still very good, but it is indeed difficult to enter those developed countries." The reasons for this are diverse, and our current capital is not as abundant as others, and our experience is not as rich as others, and these are all reasons. I believe that things will change slowly, but not overnight. ”

Chen Yubo frowned slightly and asked, "Do you think these are the only reasons?"

"Of course, there are other reasons, such as the China threat theory, the rejection of China's political system by developed countries, etc., but these are not things that Uncle Chen and I can change!"

Chen Yubo changed his words and returned the topic to the beginning: "So your success is of sample significance." ”

"It's an exaggeration to say that the sample is an isolated case, not universal. ”

"Oh, why do you say that?"

Chen Yubo tried to find out some inside stories through guò's ingenious way, and Pang Jindong certainly noticed it, and said indifferently: "Probably because I grew up abroad, many times, people don't regard me as a real Z countryman." ”

Pang Jindong's reason is completely defensible, Chen Yubo nodded slightly.

Based on the characteristics of its national conditions, most of the large enterprises in country Z are state-owned, so when these enterprises enter the developed countries, they usually encounter all kinds of invisible obstacles due to political reasons. Although private enterprises are less crowded, like state-owned enterprises, they can only concentrate in a limited number of areas, such as manufacturing or infrastructure construction, and if they try to enter the financial market, they will be hindered by the same invisible obstacles.

This is because all private enterprises with a certain strength will still have some official background. In fact, the government of country Z will indeed secretly assign economic or political tasks to private enterprises according to their needs.

Many people have the question of why financial markets are so barrier-free, more restrictive than any other market. In fact, the reason is very simple, because the financial market is the product of social and economic development to a certain stage. The more developed a country's economy is, the more prosperous its financial markets become, and vice versa. In a country as impoverished as North Korea, there are few financial markets to speak of.

It can be said that the financial market overrides the national economy and influences the development of the economy, which is one of the reasons why Pang Jindong is keen on this rather than other industries.

Chen Yubo asked, "What is Mr. Pang's next plan?"

"Uncle Chen, don't call me Mr. Pang, as a junior, I really can't afford it. Pang Jindong smiled and told Chen Yubo: "Everyone calls me by my English name - Jerry." ”

"Okay, Jerry......" Chen Yubo bowed his head slightly, and repeated his question: "Do you have any plans for the future?"

"Not yet!"

Chen Yubo smiled silently and expressed his disbelief in Pang Jindong's answer.

A person who does not have a long-term goal and has a detailed plan for this will never succeed. Chen Yubo believes that Pang Jindong has enough reasons not to disclose his development plan, after all, the two have just met, and it takes time to build trust.

If there is really no goal and plan, unless Pang Jindong belongs to one of these two kinds of people, one is a person with surprising luck, and the other is a talented person who can make full use of any opportunity that arises around him, so there is no need to make any plans at all.

Pang Jindong saw Chen Yubo's doubts, and knew that the conversation between the two so far was actually insignificant. In order to get the conversation to the point, Pang Jindong threw out a bait: "If I have to say that there is any plan, my next step is to enter the financial market of country M." ”

Chen Yubo threw the bait back intact: "What do you think about the future development of the economy of country M?"

Pang Jindong looked at Chen Yubo with a smile, adding weight to the bait: "The economy of country M has entered a period of recession, and I have no doubt that it is pregnant with a financial crisis. ”

Hearing this, Chen Yubo was shocked, and the smile on his face converged.

In Chen Yubo's view, there are two possibilities for Pang Jindong to be able to make such a judgment, one is to get the news, and the other is to come to this conclusion based on his own research. No matter which possibility it is, it can only make Chen Yubo even more afraid to underestimate the young man in front of him.

Looking at Chen Yubo's expression, Pang Jindong knew that the fish had taken the bait, and he made a move to get away with it: "Because of this, I can only have a wait-and-see attitude towards the financial market of country M for the time being." Although I could make more money than I normally would have made by making the most of the financial crisis, I asked myself if I was not capable of doing so. ”

"Young people, you still have to have more confidence in yourself. ”

"Holding Mount Tai to surpass the North Sea, it is not for nothing, but it can't be. After a pause, Pang Jindong continued: "When this crisis broke out and what the fuse was, I never knew it!"

Chen Yubo didn't know that Pang Jindong was talking nonsense, but in the current situation, if Chen Yubo wanted to win Pang Jindong as an ally, he had to come up with something of sufficient value to prove himself.

In today's society, the relationship between people is often to use each other, and if you want to use others, you must first have the value of being used by others.

Chen Yubo looked at Pang Jindong with a solemn gaze, and slowly spit out three words from his mouth: "Subprime loan." ”

Pang Jindong's heart suddenly lit up, and he knew that he was worthwhile.

There is such a sentence in the "Historical Records: The Biography of Lü Buweilie": "At the gate of Buxianyang City, a thousand gold is hung on it, and those who can increase or lose a word are given a thousand gold." That is to say, Lü Buwei publicly posted the book "Lü's Spring and Autumn" written by someone else's ghostwriting, and anyone who could find fault with it would give a thousand gold.

The three words that Chen Yubo said were difficult to change.

The so-called "subprime loan", the full name of which is "subprime mortgage", refers to the loans provided by some lending institutions to borrowers with poor credit history and low income.

Loans are a very common economic behavior in country M, from houses to cars, from credit cards to phone bills, it can be said that they are everywhere. Especially for high-value commodities such as housing, people in country M rarely pay the full amount for purchases, and usually take out loans for a long time. However, unemployment and re-employment are very common in country M, and some people with unstable incomes, or even no income at all, are unable to obtain loans through normal channels because their credit ratings do not meet the standards. In order to solve the problem of their house purchase, subprime mortgages came into being.

Subprime mortgages have high interest rates and a floating exchange rate system based on deposit rates. Financial institutions engaged in subprime lending are profit-oriented, they are not Christian Salvation Army, and they are not stupid. If the borrower is unable to repay the loan, he or she will need to repay the mortgaged house, which will be auctioned or sold by the lender to recover the loan. Due to the long-term rise in housing prices in country M, financial institutions engaged in this type of business are almost full of brains.

But it depends on two crucial factors, one is that house prices continue to be strong, and the other is that interest rates cannot be too high. If these two factors change, a large number of borrowers will be unable to repay, and the funds obtained by the bank after selling the house will not be able to cover the principal and interest of the loan, or even the loan amount itself, which will lead to a series of crises.

Now that these two factors have shown signs of change, Chen Yubo also deduced that country M is about to face a financial crisis.

Chen Yubo said all this with confidence to win the trust of others, so that Pang Jindong could cooperate with him with confidence. Although this piece of information is valuable, it does not have a specific time, and it is difficult to play a big role without Chen Yubo's channel cooperation.

Of course, Pang Jindong wants to take advantage of this crisis, but cooperating with someone like Chen Yubo is something Pang Jindong is absolutely unwilling to accept.

Although he was very respectful and friendly on the surface, Pang Jindong secretly scolded Chen Yubo in his heart: "You are just a dog raised by foreign capital in China, and now you see that your master is in trouble, and you plan to bite it! But in this way, you will become a white-eyed wolf......"

Pang Jindong weighed it again and again and decided to reject Chen Yubo: "It seems that the market in country M is too risky, so I'd better do the current thing first!"

Although the words were very tactful, Chen Yubo still understood what Pang Jindong meant, and couldn't help but feel a little disappointed: "Fortunately, there is a second plan......"

Chen Yubo changed the subject knowingly: "I have been to Zurich, a very beautiful city. Sadly, haven't had the chance to visit your Zurich bank yet. ”

Pang Jindong was about to speak, when a white "butterfly" flew over and landed between Pang Jindong and Chen Yubo.

This butterfly is Chen Binghan, wearing a loose and fat half-sleeved white crewneck T-shirt with a large collar opening and a circle of lace around it. The lower body is a short white skirt, very tight and narrow, wrapping the small, but straight buttocks.

"Hello Uncle Chen!" Chen Binghan first greeted Chen Yubo, and then asked Pang Jindong: "I guessed just now, you will definitely come!"

"You guessed very accurately, please guess the lottery numbers of the next Fucai!"

Chen Binghan's voice was very loud, and the people around him who heard this sentence laughed. She pursed her lips and said: "I won't guess the fucai, I will only guess the sports lottery!"

looked at Pang Jindong and then at Chen Binghan, Chen Yubo smiled and said, "You young people talk, I won't bother this old guy!"

At the moment when Chen Yubo was about to turn around and leave, Pang Jindong noticed that a strange light flashed in his eyes. But Pang Jindong didn't think much about it, Pang Jindong would rather deal with this old fox than deal with Chen Binghan, Lori.

Pang Jindong hurriedly chased after Chen Yubo, but Chen Binghan followed behind and resolutely refused to leave. In desperation, Pang Jindong had to turn around and chat with Chen Binghan without saying a word.

Chen Binghan didn't have so many fancy, he didn't beat around the bush at all, and asked Pang Jindong about his mercenary career.

Pang Jindong looked at the people around him and didn't pay attention to him, and felt that it was nothing to sue her, so he talked about it. didn't expect Chen Binghan to get more and more enjoyable the more he listened, and raised a series of questions. That was until a waiter came over and handed her a drink.

"Miss Chen, this is what you want!" the waiter said and left.

Pang Jindong looked into the cup and knew that it was the kind of thing that Chen Binghan wanted to drink last time at home.

Chen Binghan took a big sip, and then urged: "Keep talking!"

The story meeting between Pang Jindong and Chen Binghan did not end until the beginning of the dinner.

Chinese people have a very interesting habit, that is, anything can be brought to the dinner table to discuss. If it is accompanied by alcohol, the scope of the topic can cover everything from national affairs to parents. Many decisions and agreements were made in the staggered cups.

Such a gathering is naturally no exception, and many people have to wait until this time to talk about business.