Zhao Changfeng knew that Liu Maocai meant to be inclined to Zheng Xiaojian's so-called new ideas, so he threw out the new last-place elimination system in the bureau.

So what is Zheng Xiaojian's new idea? It is to use the funds of the fund management center to invest in the stock market.

In 95 years, due to the rise of the futures market, a large amount of capital entered the futures mayor to chase huge profits, and the stock market was unusually sluggish during this time, even hitting a new low. However, in '96, the state began to restrict the futures market, and capital flowed out of the futures market and into the stock market, resulting in a sharp rise in the stock market in '96 and a new round of bull market.

Zheng Xiaojian believes that at this time, using the funds of the capital management center to enter the stock market for speculation will definitely be able to obtain high returns, which is far more effective than buying treasury bonds to maintain and increase the value.

"Director Liu, Section Chief Zheng's method violates relevant policies." Zhao Changfeng said implicitly.

Liu Maocai waved his hand and said, "Section Chief Zhao, you don't have to worry about this, I will take care of it." Regardless of policy-level factors, do you think Section Chief Zheng's approach is feasible? ”

Zhao Changfeng pondered for a while and said: "Director Liu, the stock market is a high-risk and high-return market. If you want to make a profit in the stock market, unless you are teaming up with a bookmaker. ”

Liu Maocai smiled: "Yes, Section Chief Zheng said the same thing. He said he also knew a big bookmaker and was preparing to raise a big fund to speculate on a theme. ”

Zhao Changfeng thought for a while, shook his head and said, "Director Liu, you are my old leader, so I have something to say." I still don't agree with that. If Section Chief Zheng really knows any bookmaker, let him put the banker's tone and privately invest some small money into the stock market to make some extra money with the banker. However, it is still too risky to use such a huge amount of money in the fund management center to invest in the stock market, even if we make money, once there is a problem with the banker in the future, we will be implicated. ”

Liu Maocai sighed and said, "I actually don't agree with the dealer or anything. The reason why I called you here is to consider that you are a graduate of finance and have a good understanding of stocks, and I want to see if you can be a trader, carry out some short-term trading in the stock market, and make some quick money for the fund management center. In this way, the performance appraisal of the fund management center is not only good-looking, but also has rich funds at the end of the year, and more benefits are given to the leading cadres in the bureau. ”

Zhao Changfeng thought for a while and said, "Director Liu, I also thought of a more effective way to increase the value of funds. It's just that this method doesn't conform to the relevant policies on fund management, so I didn't put it forward to you. ”

"Okay, you Zhao Changfeng, you still ambush me!" Liu Maocai smiled: "Hurry up and tell me about it." It doesn't matter if it meets the policy or not, there are two key points, the first is to ensure the safety of funds. Second, it can quickly increase in value. If you can do both, even if there are some violations in the specific practice, it is not a big problem. I can come forward to coordinate with the leader. ”

"Director Liu, there is absolutely no problem in ensuring the safety of funds and being able to increase value quickly, and the channels are above board." Zhao Changfeng said.

"Huh? What's the solution? You mean! ”

Zhao Changfeng lowered his voice and said, "Director Liu, have you ever thought of the pawnshop industry?" ”

"Pawn shop?" Liu Maocai was taken aback, he really didn't think about this secluded industry. He said to Zhao Changfeng: "Isn't that a pawnshop?" Those who are in a hurry to use the money take the ring necklace or something, and exchange it for some money. What does this have to do with the fact that we have capital appreciation and preservation? ”

Zhao Changfeng smiled and said: "Director Liu, in fact, the pawnshop is not just a pawn as you think, it is just a gold and silver jewelry, it involves a wide range of business, whether it is movable property or real estate, you can mortgage or pledge the loan, and the interest is amazingly high. If Director Liu can persuade us to invest in opening a pawn shop, I guarantee that the funds of the fund management center will grow at an astonishing rate. ”

"Oh?" Liu Maocai became interested, "Section Chief Zhao, tell me about it carefully!" ”

Zhao Changfeng said: "Let's talk about the surname of security first." Anyone who comes to the pawnshop to borrow money has collateral and collateral as security, and even if the borrower cannot repay the loan by then, the pawnshop can compensate for the loan by auctioning the collateral and pledge. Since the proportion of pledge or mortgage loan to mortgage or pledge is very low, the auction money is more than enough to cover the loan, so there is no problem in the safety surname. ”

Zhao Changfeng paused for a moment, saw that Liu Maocai listened with interest, and then continued: "Let's talk about rapid value-added. As far as I know, the monthly interest of the pawnshop plus the so-called comprehensive fee ranges from 5 percent to 7 percent, and even if a median value of 6 percent is taken, then the actual fee charged by the pawnshop will reach more than 70 percent in 12 months. What is this efficient value-added ratio? ”

"Huh? That's so high! Liu Maocai was very surprised, "I originally thought it was a small business, but I didn't expect it to be such a lucrative big business." ”

Liu Maocai sighed with emotion, and said: "Section Chief Zhao, will the scale of the pawn shop be very small?" Not many people borrow, huh? If we only do a few million dollars of business a year, then even if the interest rate of the pawnshop is high, it will earn millions of interest a year, which will not be of much use to us. ”

Zhao Changfeng said with a smile: "Director Liu, in fact, there are many private enterprises and private business owners in the private sector who are in urgent need of funds, and they cannot get loans through banks and other formal financial institutions. This is when they often turn to pawn shops. It's just that many pawnshops themselves have limited strength and can't meet the capital needs of private enterprises and private entrepreneurs, so they miss a lot of business. So as long as you have the capital and strength, you don't have to worry about having no business to do. You must know that Zhongzhou is the capital of the most populous province in the country, and it is also an important transportation hub in the country, with very developed business and many small and medium-sized enterprises in urgent need of capital turnover, which are our target customers. I'm only worried that our fund management center doesn't have enough funds, and I'm not worried about having no business to do at all! If you can invest 100 million yuan, it will not be a problem to earn 60 or 70 million a year! ”

(To be continued)