The retail business of U.S. commercial banks is very different from that of China, and the answer lies in the fact that there are few deposits, foreigners are accustomed to eating more than one can eat, and credit business is the top priority of U.S. banks' retail business. Pen "Fun" Pavilion www.biquge.info

If reality allows, if the interest rate of wealth management products is higher than the interest rate of loans, foreigners are a group that dares to swipe their cards to buy wealth management products.

This leads to the fact that when you have a good product, the retail business can have explosive growth.

Forest's bonds are BBB-rated shells, A-level or above cores, and when Lei Hao distributes these businesses, it is easy to find someone else to take over, and it is not even soaked in the level of ordinary scattered customers.

Judging from the information fed back by Fox, on the weekends of the 6th and 7th, Lei Hao found that the $20 million he asked for was done, and several small commercial banks in Manhattan's Chinatown ate the bonds with a smile, and then asked, "Is there anything else?" ”

Even if you don't look at the floating income part, only staring at the 4% interest, Forest's bond is also a very good investment project, this 20 million can solve a part of the idle capital quota of small commercial banks, when the money flows, they can do a lot of things.

For example, A-rated customers can recommend them to buy Forest's bonds, securities that were originally reserved for A-rated customers can be recommended to B-rated customers, and so on, and the entire bank's capital flow comes alive.

"Damn it!" Yuhua Bank, which couldn't get this batch of business, immediately knew that Forest was targeting.

Lei Hao scattered the business, the 20 million funds are not much, and the distribution is just to improve the business environment of the partner, but he can't resist the bank outlets he chose are very ingenious, so they can surround Yuhua Bank.

What will happen then? Yuhua Bank, which was already in trouble, soon found out that its neighbors were in Perleysee, and they immediately made matters worse.

Monday, May 8th, weekdays.

"The rate of customer churn is accelerating." Yuhua Bank, still Martin's office, he looked at George and Chen Jingchu, whose faces were originally black, as if they could squeeze out ink at this time.

"Isn't that expected? Yuehua's capital risk has intensified, and we will have lost the trust of some customers. George argued, but he had to admit in his heart that he had missed Lei Hao's methods, but it wasn't a big deal.

"Forest's bond issuance project is aimed at stock market investment, and the U.S. stock market has risen or fallen in the past six months? He can't issue bonds on a large scale. George added.

"Maybe?" Chen Jingchu shook his head next to him and said: "I have a bad premonition, maybe we should be glad that the U.S. stock T+3 fund delivery rules, which allows us to have a three-day buffer period." ”

George turned his head and said, "I admit that I miscalculated the psychological price of the other party, but how bad can things be?" We accept low prices, what does it have to do with Yuhua getting 20 million high-yield bonds? We don't accept it, but we just have to accept the worst-case scenario, what's the big deal? ”

"I hope so." Martin and Chen Jingchu exchanged glances, but they didn't speak, but they had already made other calculations in their hearts.

In fact, Lei Hao originally wanted to buy a basic plate first, but now that he has skipped the first step, his plan will be spread out larger, both good and bad, but there is no doubt that $20 million is just a starting capital for Forest, but it is also a kind of pressure.

"According to the contract, we must abide by the three 10% principles, that is, a single stock shall not invest more than 10% of the capital, the shares held shall not exceed 10% of the market value of the underlying listed company, and the stop-loss line shall not be higher than 10%, I want to say ......"

In Lei Hao's office, Yarman and Leo sat opposite Lei Hao, both holding a stack of documents in their hands, and Yarman was talking: "Boss, we are desperately short of manpower!" God, do you know how many days I haven't been off work? ”

"But you're having fun, aren't you?" Lei Hao blinked and quipped.

There were a few laughs in the office, and both Yarman and Leo had a kind of bitter attitude, they were happy to accept Lei Hao's leadership, but the workload was too much.

Even if you need to work overtime on Saturdays and Sundays, boss, you can let us go home and sleep at 12 o'clock one day.

Lei's more than 100 million yuan has already overwhelmed the investment department, and now there is a stock market investment of 20 million US dollars to take into account new projects, and Yarman and Leo have the heart to die.

"Yarman, I allow you to simplify the analysis report, as for Leo...... You can cut down on the harvesting steps of technical arbitrage, or assign more work to newcomers, exercise more, and they will mature. Lei Hao instructed: "I don't mind spending the cost on the team running-in." ”

Lack of people, is Lei Hao has been encountering a problem, China's Thunder recruits people all year round, only a month out of the international market, lei, forest or the upcoming Oasis Securities, can not meet Lei Hao's appetite.

Yarman and Leo are now complaining to Lei Hao's office because they are too busy, and the new 20 million yuan will not have enough human resources to allocate in the past, which will lead to a more extensive investment method for the whole project.

But Yarman and Leo are definitely not shirking, after hearing Lei Hao's words, they breathed a sigh of relief in their hearts, and began to express their stance again, saying that they would work hard.

"The most important thing now is to have more visible benefits." Lei Hao listened to Yarman and Leo's words of determination, but his heart had already drifted to the stock market.

Only if the interest rate on the 20 million bond rises and the group of bankers like sideburns see that it is profitable, they will pounce and shake their heads.

Only when more people pounce on him and wait for him to throw some flesh and blood, Yuhua will be anxious.

In the end, as long as this happens, even if Yuhua does not bow his head, then he will have other ways to go!

"$20 million is just the beginning for me." In the field of investment, Lei Hao will no longer be arrogant.

After going to the United States for a month, the infrastructure construction is finally about to usher in the dawn of completion, how could Lei Hao fall in the place he is best at?

Even if there are three 10% restrictions, even if the turnover rate and trading volume of U.S. stocks are lower than those in the Chinese market, there is no limit on the rise and fall here, there is a large institutional market maker system here, and the game method here can maximize the ability of individuals.

On the morning of the 8th, Lei Hao spent $20 million in the blink of an eye, and in the case of a small amount of funds, he could even start ultra-short-term and leverage financing without any scruples.

Under the stunned gaze of Forest and others, 5%, 10%, and finally 15% of the paper profit appeared on it.

"Announcing the status of accounts to bond underwriters, requesting greater authority to issue bonds from insurance companies and third-party guarantee agencies, and issuing underwriting advisory ...... to several commercial banks in Chinatown"

In the afternoon, when the book profit appeared, it meant that Lei Hao's plan could enter the second step, and he immediately instructed Fox: "This time, it is not us who should be anxious." (To be continued.) )