Li Shuo rushed to the Red Panda hot pot restaurant, at this time the Red Panda's hot pot restaurant was full of people, Li Shuo hurriedly glanced at Park Renjing, who was busy, and then walked into a box of the red panda.

At this time, in this red panda's box, Jung Jun-ha, Yoo Jae-seok, Park Myung-so, Roh Hong-chul, and Jung Hyung-dun were all there.

Liu Zaishi also finally had a time to eat with everyone.

Seeing Li Shuo coming, Zheng Junhe hurriedly said in surprise: "Ah... Ha ha... Xiao Shuo is here, sit down, sit down, I'll have a treat to eat as much as you like today. ”

Looking at Zheng Junhe's smile, Li Shuo laughed: "What's the situation, why is my brother so happy today, and please eat?" After speaking, Li Shuo sat down, and as soon as he sat down, Lu Hongzhe poured Li Shuo a glass of wine and said: "Who knows, we were also called by Brother Junhe, saying that there is something good for us." ”

"Come... Have a drink, Xiao Shuo doesn't care about anything else, let's take a sip first, and then talk after drinking. Park Myung-so raised his wine glass at Li Shuo, and then Li Shuo also nodded and smiled and raised the wine glass, and then drank it all with Park Myung-so and others.

After drinking it, Zheng Junhe said with a smile: "Do you want to call over a little more, everyone must eat well this time, otherwise you won't give me face." ”

After looking at the dishes that had already filled the table, Li Shuo said with a smile: "So much is not enough, don't call it for the time being, let's take a look when it's over." ”

"Hmm.... Zheng Junhe smiled and nodded.

At this time, Li Shuo looked at Liu Zaishi beside him and asked, "Sister, she called me to come over, why is she not here?"

"In another box, I was with so-min's sister-in-law (Park Myung-so's wife) and Yo-ra (Jung Hyung-don's wife). ”

"Uh... Does my brother-in-law know what Brother Junhe invited to dinner today?"

Picked up a piece of beef, soaked it according to Li Shuo's method, put it in the meat sauce and dipped it, and then ate it in his mouth, Liu Zaishi shook his head silently and said, "I don't know, but it should have something to do with stocks." ”

"Stocks?" Li Shuo suddenly had a flash of inspiration.

Zheng Junhe's image is the image of a fool, but this is not the case, among the few people who are picked, Zheng Junhe is the most financially minded, and the only one who plays stocks.

"Brothers, I have a chance to make a fortune, I don't know if you want to know?"

Finally, Zheng Junhe said the purpose of his treat today: "Do you know about subprime mortgage products?"

After Zheng Junhe finished speaking, the unchallenged members present shook their heads, which made Zheng Junhe laugh: "You guys, you really don't keep pace with the times at all, subprime mortgage is subprime loan, also known as subprime mortgage loan and subprime mortgage loan. Subprime lending is a high-return business for lenders.

After all, it is their own money that is lent out, and it is a long-term loan (especially car loans and housing loans), there is a risk of default, and the lender will do some investigation on the applicant (such as income, whether there is a spouse and other background checks), and will continue to track the repayment of the loan after lending, which is an important part of bank credit risk management. In such a situation, there is a certain threshold for applying for a loan, and of course, the default situation is also maintained within a manageable range.

It wasn't until the financial industry developed an ABS (Asset Backed Security) product, which is part of the financial innovation of the United States, which actually securitized existing assets and made them freely tradeable. With such a product, banks can package credit card loans, car loans, and housing loans to customers and sell them directly, which on the one hand improves the bank's own liquidity (simply put, it has cash on hand), and on the other hand, the risk of credit default is passed on to asset buyers.

To give a simple example, the bank gives customer A a credit loan of $300,000 and agrees to repay it within 20 years, assuming that a total of $350,000 needs to be repaid after maturity with principal and interest, the bank can sell the loan to other financial institutions through ABS products (of course, at a price less than $350,000), so that the bank gets cash and passes on the risk of loan default, and the buyer has bought the asset at a lower price, and can make a profit by waiting for the customer to repay the principal and interest without default.

This is the subprime mortgage product, what I want to tell my brothers is that such a product is remarkable, all participants in the transaction chain will get what they want, the customer gets the loan, the bank not only successfully lends and makes a profit, but also the risk is passed on, which is a sure thing.

Because you are brothers, I will tell you this opportunity, no matter how much money you come up with, after one month, it will be double, and in three months, it will be five, and the opportunity to make money will be one time. ”

"Really?" After Zheng Junhe finished speaking, Lu Hongzhe immediately said excitedly: "Brother... It's really five times in three months, and if it's true, I'll take out all my money, and my father's money, a total of 5 billion won, can it become 25 billion?"

"Can... I can guarantee it. Zheng Junhe's unhesitating words immediately attracted the attention of the unchallenged members, but such words made Li Shuo's heart sink.

Because this so-called subprime mortgage product is simply a moon in the water, you can still make money in the early days, but if you play subprime again in 2009, you will lose even pants.

Because in 2009, the United States caused a financial crisis due to the turmoil in the subprime mortgage market. In 2009, a storm caused by the bankruptcy of subprime mortgage lenders, the forced closure of investment funds, and the violent volatility of the stock market swept through the world's major financial markets such as the United States, the European Union and the RB.

And then develop into a global "subprime mortgage crisis", at this time to enter the market, you are waiting to die. However, in addition to plunging the world into despair, the subprime mortgage crisis can also benefit some people to the maximum.

Even those financiers and bankers, they will get a lot of money, and Li Shuo, who is not a banker and a financier, can also get a chance to make money, because he is a reborn, he can short all kinds of stock index futures.

The so-called shorting of various stock index futures should be someone else's buying up, Li Shuo buying down, if you want to talk about it in detail, it's very troublesome, probably that's it, I won't go into detail here.

Just when Li Shuo had a flash of inspiration, Zheng Junhe's proposal had already been moved by several members present.

"If I could five times as much, I would have 1 billion won here. ”

After Park Myung-so finished speaking, Jung Hyung-don also nodded with a smile and said, "I also have 1 billion here, I believe Brother Junhe once." ”

"Hehe... I have that too.... Just as Liu Zaishi was about to say a number, suddenly, Li Shuo stood up and shouted, "No, no one can buy subprime mortgage products." ”

"Ah...?" Li Shuo's words surprised everyone present, at this time, Zheng Junhe said a little unhappily: "Xiao Shuo, how can you dismantle your brother's platform? Why can't you buy subprime mortgage products, I can guarantee that you will be able to make money this time, my news is very accurate, as long as everyone enters, there will be five times the harvest in three months." ”

"Brother Junhe, believe me, you must not touch the subprime mortgage product, otherwise, you will definitely lose all your money this time. Li Shuo said very seriously.

"Then you can tell me a reason?" Lu Hongzhe on the side looked at Li Shuo.

After Lu Hongzhe finished speaking, Li Shuo was stunned, what reason could Li Shuo say, he just knew that there would be a bigger subprime mortgage crisis in 2009, you asked a little chef to tell the subprime mortgage crisis, how could he say it, so Li Shuo couldn't answer Lu Hongzhe's question.

This made Li Shuo very anxious and said: "I don't know what to say, but I just want my brothers to believe in me once, and definitely don't buy subprime mortgage products, because there will be a subprime mortgage crisis." ”

"Subprime mortgage crisis?" Zheng Junhe, who listened to Li Shuo's words, laughed: "Xiao Shuo... Don't say if you don't understand, do you know how many people are buying subprime mortgage products in the United States, and there will definitely be no crisis in it, because it is the United States. ”

"yes... Xiao Shuo!" Lu Hongzhe smiled and looked at everyone and said, "Xiao Shuo may not know much about this, but he is too worried about us." After speaking, Lu Hongzhe looked at Li Shuo again and said, "Don't worry, Brother Junhe is an expert." ”

People are soft-spoken, Li Shuo knows that no matter what he says, he can't change Zheng Junha's and Lu Hongzhe's mind, and following behind, as Li Shuo thought, Park Myung-so and Zheng Hyung-dun still followed Zheng Junhe to enter the 1 billion, while Lu Hongzhe was still 5 billion, only Liu Zaishi cautiously gave up the entry after looking at Li Shuo.

Because now that the money is enough, Liu Zaishi's entry will not have much impact, so Zheng Junhe doesn't care, and he doesn't have any angry and nasty emotions towards Li Shuo, after all, Zheng Junhe's goal has been achieved, and Li Shuo is also Zheng Junhe's favorite brother, so what happened just now, Zheng Junhe treated it as if it didn't happen, but Li Shuo frowned fiercely!

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