The life of delving into is always fast. Pen ~ fun ~ Pavilion www.biquge.info short vacation ended quickly, this afternoon, Ding Mu drove his parents to the airport, waved goodbye, and returned to the empty home alone.

Just a few minutes after arriving home, an unfamiliar phone call came in, Ding Mu picked up the phone casually, and a nice female voice came from the other side: "Is it Mr. Ding Mu?"

Ding Mu said: "It's me." What's the matter?"

The other party politely said: "That's the case, I am your bank housekeeper, we found that your consumption last month was 38.4 million yuan, and has been repaid on time, we think that your credit rating is very good, belongs to the high-net-worth people, so we specially launched an interest-free loan service for you." ”

"Interest-free?" Ding Mu liked these two words very much.

"Yes, we will deduct up to your entire credit limit and transfer up to $70 million in cash to any debit card you specify. You are free to use the money and can choose to make monthly payments, either in 6 or 9 instalments. ”

Ding Mu calculates that this 70 million is not a small number, even if it is only 6 months of trust and financial management, with an annualized rate of return of 12%, which is a huge sum of 4.2 million. But it's not a scammer.

Ding Mu said vigilantly: "Are you sure that it is interest-free? Then what materials do I need to submit?"

The other party said: "It is indeed interest-free, you only need to verbally agree, I will send the operation process to your mobile phone SMS, you can use the mobile app to operate according to the specified process, no additional materials need to be provided." ”

"You won't send me a link with a virus. Ding Mu half-jokingly.

"You can rest assured that there is no link in the text message, just a how-to guide. The other party said heartily.

"Okay, then you can send it over and I'll take a look. "Ding Mu Dao.

After a while, the other party sent a short message, Ding Mu took a look, the process is very simple, just remember it, open the mobile app, and operate according to the process.

User Description?Who looks, tick directly. As soon as the relevant account password is entered and confirmed, the application is successful, and the 9th period is selected.

Ding Mu is called a proud person, not to mention that money can make money, no wonder those rich people are so rich, how much money can be earned just by cashing out credit cards and managing money.

Before Ding Mu was happy, the money didn't come, and the confirmation bill came first.

"You have selected an interest-free instalment plan for your bills, and you cannot change the number and amount of instalments you have applied for. The monthly repayment you need is RMB, of which the handling fee is RMB 875,000. ”

"Holy. What's going on? Why are there such high fees?"

Ding Mu was furious, and a phone call came, and the person who answered the phone was no longer the sweet voice who had just recommended the interest-free installment plan for the bill.

Two minutes later, Ding Mu accepted the reality with his head down. People said very clearly, interest-free, not free of handling fees. In the process of processing, there is indeed a line of very small letters, which says the amount of the handling fee of this plan, and I didn't look at it carefully. But isn't this a trap for people?! Banks would do such things!

Anyway, isn't it normal for banks to do this kind of thing......

Ding Mu turned around anxiously twice, took out a bottle of Coke from the refrigerator, drank it all in one go, and took out his mobile phone to calculate, seeing the seven digits on it, he couldn't help but feel melancholy. He pulled his hair fiercely, and said to himself: "Have you been too smooth during this time, how can you think about the good things that fall from the sky! Now you are blind, not only did you not make money, but you also lost millions out of thin air, and the key is that there is nowhere to get these millions!"

In this situation before, Ding Mu must have called his own mother. However, after going to college, Ding Mu, who has a woman, always feels that he is an adult, how can he still let the old lady this kind of heart.

Ding Mu thought about it, and suddenly thought that Yan Xinran was a professional in this area, so it was better to let her come up with an idea, and immediately called Yan Xinran.

Seeing that the call changed from calling to timer, Ding Mu immediately said in a sweet and greasy tone, "Sister Yan, what are you doing?"

Yan Xinran said in a slightly tired voice: "I've been working overtime for several days, and I just went home to rest." Recently, the form of investment has been uncertain, and our team has been developing investment strategies and made several investment models. ”

"Oh yes. That's something I'd like to ask you about. ”

"Aren't you a carefree rich second generation? Yan Xinran teased, "This kind of thing is not clear on the phone, why don't you come to my house." ”

"Okay, you give me an address, and I'll drive over. ”

An hour later, Ding Mu arrived at Yan Xinran's two-story single-family villa in the North Fifth Ring Road.

Ding Mu came to Yan Xinran's house for the first time, admired the villa, stood on the balcony of the bedroom, looked at the beautiful scenery in the yard, and sighed: "It's better to live in a villa, you have your own land, but are you living alone so big?"

Yan Xinran said: "I usually have an aunt at home, who lives downstairs, cooks for me and takes care of me. ”

Ding Mu said: "Rich man." ”

Yan Xinran smiled and said: "This line of work is too hard, I am ready to work for another year or two to withdraw from the secondary market and buy a few storefront houses for rent." By the way, you're calling, and you're going to ask me something? Come here, let's sit down. ”

Yan Xinran retreated into the room, sat on the edge of the bed, and patted the position next to him.

Ding Mu sat down next to Yan Xinran, deliberately buried his head in the side of Yan Xinran's neck, took a deep breath of the aroma on her body, and snorted: "Just now, I fell for a bad trick! ”

Ding Mu told Yan Xinran about the interest-free installment plan for the bill, and his face was full of bitterness.

Yan Xinran listened patiently, and after listening, he touched Ding Mu's head and said, "Little ghost, you are not deceived, you are careless, how can there be a pie in the sky?"

Ding Mu looked at Yan Xinran with blank eyes, and said timidly: "You are my good sister, a financial master, is there any good way to turn losses into profits." ”

Yan Xinran smiled slightly, calculated in his heart, and said confidently: "Your handling fee, the annualized rate of return is not very high, only about 15, there is still a lot of hope to earn it." ”

Ding Mu said excitedly: "Then think about it, how do you do it?"

Yan Xinran analyzed: "Although your money is not a small amount, it still can't play a role in the financial market, and the rate of return can't be too low, and there can be no risk of losing money, so it's really a bit difficult for you to not pay back the money by then." I have a bad idea, though. ”

Ding Mu stretched his ear to Yan Xinran's mouth and said, "I want to hear it in detail, and listen to it." ”

Yan Xinran playfully licked Ding Mu's ear, bit it lightly, and said while exhaling: "Allocate funds to buy shares, and raise funds to make new ones." ”

Ding Mu knew how to buy some Yue Bao or something, and at most he knew a little bit about P2P platform financial management, and he was completely stunned when he heard Yan Xinran's words, and couldn't help asking: "What do you mean?"

Yan Xinran explained: "Generally speaking, the risk is directly proportional to the return. Do you know what is the most risky thing right now? I know you don't understand it, which is financing allocation. Do you know what is the least risky? is to buy new stocks. ”

Seeing Ding Mu listening carefully, Yan Xinran continued to explain: "Financing allocation is the use of financial leverage, which means that you deposit a part of the money into someone else's account, and others hand over several times the funds to you, you only need to pay interest, and the profits are yours." Financing is the use of stocks as collateral, using less money as leverage to buy stocks that are several times the value of the money you spent. But both of these have a cordon, what happens if it falls below it?"

"How?"

"It's going to blow up, and you're not going to have a penny. ”

"Oh my God, I don't have a penny, and it's too risky. You want me to do this?" Ding Mu questioned.

"At the same time as buying shares, you can also use equity collateral to raise funds, and then buy new shares through financing. Now the rule of IPO is that how much stock you buy is eligible for how much new stock is worth. With a large amount of funds of your size, there is a risk if you do not hit the new stocks, but in the current form of the capital market, if the amount of funds reaches a certain scale, you will definitely be able to win the lottery with a certain proportion of funds, and then make a lot of money. ”

"Do I make enough money to pay the fees?"

"I just calculated, according to the current market situation, it is enough to pay the handling fee and enough to match the interest. If the market is good, you can make a lot of money. The only risk is that the stock you buy with the funds cannot fall sharply, and if it falls below the warning line, it will be over. But if it goes up in the unlikely event that it rises, you'll make a fortune. ”

"Do you think it's risky on the whole?" Ding Mu said as he stared at Yan Xinran.

"Based on my judgment of the current A-shares, I think the risk is very small, and the profit may be large. Yan Xinran said confidently, "In case of fluctuations, stop loss and exchange shares in time." Your earnings are mainly in new stocks. ”

"Okay, I'll listen to you, so what should I do next?"

"I'll take you to a suitable funding company and a competent trading expert as a consultant. Yan Xinran saw that Ding Mu trusted him so much, and smiled with relief.

"By the way, what kind of investment are you doing? Can I invest my money in you?" Ding Mu asked.

Yan Xinran smiled and said: "I make some futures, the profit is high, but the risk is relatively large, once I miss, it will be wiped out." If you want to play, you can configure a little bit of betting. ”

"Tell me in detail how you play. ”

"Okay, it's rare that my little handsome guy is interested. Yan Xinran is an expert in futures, taking oil futures as an example, he gave Ding Mu a detailed talk on how to open short orders, long orders, positions, position transfers, etc., and then focused on the factors that affect the rise and fall of oil futures.

Ding Mu suddenly remembered that he had a killer feature, and hurriedly consulted Yan Xinran: "If controlled nuclear fusion has made leaps and bounds to the point where it can easily replace oil as an energy source, do you say that the price of oil will fall sharply." ”

Yan Xinran thought for a while and said: "This is indeed bearish for oil, especially the future indicator of futures, which has a significant impact, but I also said just now that oil prices are linked to the economies of various countries, even if there are alternative energy sources, but now tens of millions of cars running on the road still have to use oil, which requires a process." ”

Ding Mu said excitedly: "After listening to you talk so much, I found that you are really talented and understand so many things." Can you help me calculate how much money I can use to invest in futures, and the risk is controllable?"

"It's about figuring out how much profit you can expect to make. I'll have to do the math. Yan Xinran took a pencil and calculated for a while, "Take out about 10 million yuan and gamble, in case there is a large reverse movement and need to stop the loss, this will probably not affect you to repay those interest." But you can think clearly, in case the stop loss is here, I am afraid that the money I may make from the investment strategy I formulated for you before will be gone. You're taking a huge risk. ”

"I'm going to open a short oil tomorrow. Ding Mu said excitedly.

"To invest in futures, you need to have a lot of certifications, and when you apply for an account, I'm afraid it will take a while. Moreover, domestic crude oil cannot be traded directly, and must be traded through an agency company, which also involves many agreements. Yan Xinran smiled and said, "Don't be too anxious, think clearly before you do it." ”

"You have an account, right? Use your account, tell me your bank card, and I'll send you money." Ding Mu said in a big way.

"That's 10 million, and you trust me so much, I'm not afraid that I won't give you back. Yan Xinran pointed the tip of his nose at the tip of Ding Mu's nose and stared at Ding Mu's eyes.

Ding Mu slowly threw Yan Xinran down, without a trace of hesitation in his eyes, and said: "Although I call you sister, in fact, you are like my lover, if I don't even trust you, who else can I trust?"

Yan Xinran's heart was agitated, he closed his eyes and said, "I want you to give it to me." ”

Ding Mu was clear, and with the perfect flexible movements of his hands, in less than half a minute, the two of them were naked. After a while, the house was full of spring, and the two reached a great harmony between heaven and earth.