That's right, it's not a woman who doesn't know where to come from. "I have accepted so many people for successful construction now, will there be a problem?" Huang Wenbin asked humbly.

"It's okay if you're strong enough." Ding Liugen said, "I heard that you are very close to Mayor Hou now? That's good. Mayor Hou is a little weaker, but he has a great future, and this transfer may be able to go further. Even if you don't make progress and transfer to another city to be the mayor, it is still a towering tree, which can provide you with protection. ”

There is no progress, and he was not transferred to be the mayor, but he became the executive deputy in the provincial capital, which is a layer higher than the mayor of an ordinary city. However, if someone else becomes the mayor, then he can become the secretary of the municipal party committee, and then he can go to the next level. As the executive deputy mayor of the provincial capital, he is not considered a local supervisor, and his future is limited. It's hard to say which one is better for Mayor Hou.

"It's up to the boss." Huang Wenbin said.

"It's the same for everyone, there is one most important point, you can't put so much cash on hand, too much cash is the way to get trouble, people look at it, arrest you, just bank deposits can take hundreds of millions, many people can't help but do it." Ding Liugen said, "You have to exchange money for capital, what is capital, that is, things that can make money, such as factories and companies, and people's livelihood are more closely integrated, the better." You see, I have more than a dozen foreign trade factories on hand, employing almost 100,000 people, plus their relatives, that's hundreds of thousands. If you arrest me, everyone has to think about what to do with these hundreds of thousands of people. ”

When Huang Wenbin heard this, he was really scared into a cold sweat, he didn't just have hundreds of millions, more than a billion in hand. Thinking about it this way, the secretary of the municipal party committee asked him to develop Songshan, but he was afraid that he would also protect him. "I immediately threw the money out." Huang Wenbin said.

"Where are you going to vote?" Ding Liugen asked.

"Buy land and develop real estate." Huang Wenbin said, "Songshan is going to be developed here." ”

"How many people do you develop real estate, it is better to invest in a factory." Ding Liugen said, "The foundation of our province is foreign trade, and only when you have the right to speak in foreign trade can you easily get political resources." You see how many real estate bosses are there in our provincial people's congress deputies and CPPCC members, and how many bosses are doing foreign trade? On the political map of the provincial capital, if you do real estate, your net worth of more than one billion yuan is not as good as that of tens of millions of foreign trade bosses. ”

"This ...... Now that real estate is hotter, it's easier to make money. Huang Wenbin said.

"Can't you make money doing foreign trade?" Ding Liugen said, "We have to take a long-term view, and real estate has been hot for several rounds, and every time it rises, it is like a rainbow, and it is even more miserable when it falls." The same is true of the stock market, when it rises, it seems that everyone is going to get rich, and when it falls, everyone will cut their meat, and at the worst, more than 90% of retail investors are actually losing money. Foreign trade is different, since the reform and opening up, it has been on the rise. Instead of investing money in unreliable land and stock markets, it is better to invest in foreign trade. ”

This is very correct in the long run, but it is not quite correct in recent years, real estate is in the ascendant, and foreign trade is about to usher in a catastrophe. Although Huang Wenbin is now saying that Ding Liugen may not necessarily listen, but he has instructed Huang Wenbin so much, Huang Wenbin must reciprocate.

"I wonder if the boss has heard of subprime loans?" Huang Wenbin asked.

"I know that the United States made it." Ding Liugen nodded, "I heard that the scale is not small. ”

"Does the boss know that there is a problem with the subprime loan?" Huang Wenbin asked again.

"I've heard of it too." Ding Liugen became impatient, "What exactly do you want to say?" ”

The problem of subprime loans is actually expected by everyone. The so-called subprime loan is actually lending money to people who are not qualified for a loan to buy a house. Even some people are simply homeless people who apply for a loan to buy a house, and they can actually borrow money. When the price of real estate continues to rise, there is no problem, even if the borrower can't pay the money, you can take back the house to offset the loan.

However, if the price of real estate falls, or even as long as the price of real estate does not rise as expected, the money will not be able to cover the principal and interest, and the borrowing company will lose money. Real estate prices can't go up forever, so everyone knows that sooner or later there will be problems with subprime mortgages. However, it was expected that the housing market would not collapse until 2012, and no one could have predicted that it would not be possible in 2007.

"Subprime loans are huge." Huang Wenbin said that the subprime loan itself is several trillion yuan, and then the subprime loan is insured, mortgaged, packaged and sold, and the scale is enlarged one by one, and finally almost all the banks and securities loan companies in the United States are involved.

"No matter how big it is, so what?" Ding Liugen said, "It has nothing to do with us, they Americans like to play finance, let them play, even if they lose hundreds of billions of dollars if they play badly, they can afford to lose a big business." ”

What hundreds of billions, trillions, this is a dollar! The little money that Huang Wenbin earns, when discussing this kind of issue, is not a dime, it can only be said to be a drop of water in the sea. "The subprime loan itself is very large, and there is also the insurance of the subprime loan, reinsurance, packaging and sale, etc., and if something goes wrong, it will definitely affect the US economy."

"The US economy is more than 10 trillion yuan, with the highest science and technology, the strongest economy, the most powerful army, the largest investment abroad, and the largest amount of investment it attracts. If there is a small problem in finance, it will be fixed very quickly. Ding Liugen disagreed.

Everyone thinks so, and now only some professionals in the financial industry know how big the problem is. "The subprime mortgage problem will slowly ferment and become bigger and bigger, and at the end it will form a super storm that will sweep the entire financial industry, and even cause the US economy to suffer a heavy blow, and at the end it will affect the whole world." Huang Wenbin said.

Ding Liugen opened his mouth wide and looked at Huang Wenbin for a long time, and Huang Wenbin also felt that his speech seemed to be shocking, and he couldn't help but feel a little embarrassed. It was Ding Shishi who spoke first, "Dad, Xiao Huang has never missed things for so many years, and even more so in investment, so that he can start from scratch and become a billionaire in a year, Dad, how can you not believe him." ”

Huang Wenbin himself feels that there are flaws, it is right to start from scratch, and there is nothing wrong with being a billionaire, but they are all spinning around in the provincial capital, buying shares of China Shipbuilding, which can barely be said to be at the national level, but it is also limited to the foreign trade industry. Now that you suddenly jumped to the U.S. economic and financial crisis, aren't you afraid that your steps will be too big and you will pull the egg?

"I don't really understand this financial crisis or something." Ding Liugen is rarely humble, but if anyone says that I understand everything about the financial crisis, I also know when the economy of the world will go wrong, so why don't you hurry up and write a paper to win the Nobel Prize.

"But I think the U.S. has such a strong foundation, even if something goes wrong, the impact will not be very great. The worst is the worst, and it will not have any impact on their food, clothing, housing and transportation. Ding Liugen continued, "Our Chinese goods are originally known for their high quality and low prices, and Americans have a bad economy and don't have so much spare money, so they should reduce luxury goods and increase bargains." It's not that I'm boasting, if I want to say it's cheap, this batch of foreign trade people in our provincial cities have never been afraid of anyone. ”

"This ......" Huang Wenbin didn't know what to say for a while, "the scale of this crisis is unprecedented. ”

"No matter how big the scale is, no matter how bad the economy is, they Americans don't wear clothes anymore? Don't buy toys anymore? Ding Liugen said, "It's impossible." ”

"But the number will drop dramatically, and what used to be worn for one year may now be worn for two years. I was going to buy new toys, maybe I got some old ones to fool the kids. Huang Wenbin said, "orders are declining, the foreign trade industry can only lower prices to grab orders, the fierce competition, the profit of Weibo, must be unprecedented." ”

"I see." Ding Liugen nodded, "In the final analysis, you just don't like foreign trade." ”

"This ......" Huang Wenbin didn't want to say so obviously, but he couldn't argue that in the past few years, he was indeed not optimistic about foreign trade.

"Dad, you're wrong when you say that." Ding Shishi came up again, "If Bin Bin is not optimistic about foreign trade, how can he buy Chinese ships, if foreign trade is not good, shipping will not work, shipping will not work, shipbuilding will definitely not work." Wen Bin's meaning is just that foreign trade is not as good as real estate in recent years. ”

"It's really an outgoing girl." Ding Liugen shook his head, "That's it, you are not optimistic about foreign trade, it may be right, you can't put all your eggs in one basket." Now let me ask, what do you plan to use the hundreds of millions of cash in your hand for? If you don't have a good investment direction for the time being, you can lend it to me for three or five years. When the time comes, we will split the account fifty-fifty. I can guarantee you that the annual profit is more than 15%, if you don't have this number, I will make it up for you. ”

Huang Wenbin knows that Ding Liugen is kind to say this, and now the foreign trade industry is so prosperous, and Ding Liugen has been infiltrated in this way for decades, which is the time to make a lot of money. This money is given to him to operate, and he must be able to make a lot of money. Not to mention 15%, without more than 25% of the income, Ding Liugen himself is embarrassed.

But Huang Wenbin himself knew that this situation would soon be disillusioned. This year it was just a subprime mortgage problem, and next year it could affect the financial industry, and then the entire US economy, and then Europe, and the world, no one could run. lent the money to Ding Liugen to ensure that his income was of no use.

"I'm ready to invest the money." Huang Wenbin said.

"Oh? What projects are you going to invest in? Ding Liugen asked.

What projects to invest in? Matsuyama, of course...... No, Ding Liugen also knows that Songshan is a grave mountain, and it is not so simple to develop. If it is this project, Ding Liugen will definitely not think so. If there is a project that even Ding Liugen feels that the return is handsome, then not only will he not lend him his own money, but he can also borrow a large amount of money from Ding Liugen in turn.

If Ding Liugen has no money, the foreign trade business will shrink, and when the financial turmoil comes, the loss will be relatively small. Huang Wenbin has taken so many benefits from Ding Liugen's hands, and he should give him back. After the plan was properly discussed, Huang Wenbin took a deep breath, "I have a very good project in my hand, I don't know if the boss of Lu Dao is interested." ”