"Brother Tian, it's better for us to do real estate, anyway, housing prices are rising every year, and inflation will be more severe in the future, so keep the money in the bank and save less and less, it's better to engage in real estate, right?" Blacknose asked.

"Now real estate is not easy to do, and we need to invest a lot of money, we don't have enough money at all, if it is to resell the house, the transaction tax is ridiculously expensive now, and the cycle is also long, and it is not a suitable transaction when calculated." Huo Xiaotian shook his head and said.

"Why don't we open a club too?" Liu Shuang asked with a smile.

"You can think about this, but if you want to make a lot of money, you still need to use a little more brains." Huo Xiaotian pointed to his head and said.

"What do you mean that day?" Black Nose and Liu Shuang said in unison.

"It's better for us to engage in private financing, the interest rate is a little higher than that of banks, and the lending to enterprises is a little lower than that of banks, in short, we can earn the difference." Huo Xiaotian said.

"The interest rate is higher than that of the bank, and the loan rate is lower than that of the bank, so aren't we going to lose money?" Liu Shuang asked.

"In fact, if you don't lose money, in the case of the current Tianchao Bank, its deposit interest rate is about 3.5 points, and the loan interest rate is about 5.5 points, of which there is a profit difference of two points, and our deposit interest rate is raised to four points, and then the loan interest rate is reduced to five points, and you can earn a difference of one point." Huo Xiaotian said.

"A point? That's too little, right? Then it's better to save Yue Bao, there are still 5 points in Yu Bao. Liu Shuang said.

"Oh, to put it bluntly, Yu Yu Bao is also a kind of financial investment product, but in different forms, if you deposit all the money to Yu Yu Bao, you can only take the interest of eight million principal, and if we engage in financing, you can take tens of millions of principal interest, and use everyone's money to help us make money, although it seems that the interest rate is low, but, in general, in fact, it is still earned, we use the bank's leverage principle to engage in financing, so that the money in the hands of the people can be maximized and benefit each other." Huo Xiaotian patiently explained.

After listening to Huo Xiaotian's explanation, Liu Shuang seemed to understand a little, but Hei Nai was still a little confused, "Brother Tian, will anyone come to us to save money?" ”

"Hehe, it depends on how we operate, as long as we are honest, run well, and build our own reputation, someone will naturally come to save money." Huo Xiaotian said with a smile.

"Brother Tian, the interest rate of Yu Bao is 5 points, let's have 4 points, who will come to us to save it?" Liu Shuang asked with some concern.

"Although Yu'e Bao has a high interest rate, it is still a risky capital product in the final analysis, and Yu'e Bao is obviously not a very reliable thing compared to aunts over 50 years old, they are still accustomed to depositing money in formal units such as savings houses, as long as our financing company operates in a standardized manner, it should not be a problem to win the favor of these aunts." Huo Xiaotian said.

"But what about loans? Will someone come to us for a loan? Liu Shuang asked again.

"Of course there will be, and, there will be a shortage of supply, now the Celestial Empire is in a stage of industrial blowout, all kinds of enterprises and companies are not short of talents, however, there is an urgent shortage of funds, and the bank's loan approval is extremely strict, and the cycle is long and the service is poor, if our service quality keeps up, I believe that it will soon open up the situation." Huo Xiaotian said quite confidently.

"Isn't this a clear fight for food with the state?" Blacknose said with a smile.

"This is not with the country to grab food, but a market economy development to a certain stage of the inevitable product, the country wants to stimulate the market, liberate the market, it is necessary to relax the policy, so that all kinds of financial institutions in a fair, open and free environment to compete, otherwise, will inevitably be eliminated by the market, and now the country's new policy has relaxed the conditions for private lending, so that private financing institutions finally have the conditions to display their ambitions, so we should take advantage of the policy wind, set sail, only people who can seize the opportunityin order to be invincible.

The last reform and opening up,Haier、Hisense、Aucma,Now,The spring breeze of reform is blowing all over the Celestial Empire continent again,It's time for us to keep pace with the times。 Huo Xiaotian said with a smile.

"Okay, then let's unify our minds and set sail!" Liu Shuang said with a smile.

"Of course, we are engaged in financing for the first time, lack of experience, will definitely encounter a lot of trouble, so, we must be cautious, I recommend that you usually pay more attention to the rules and regulations of the bank, which is of great help to us, in the future, if we do it ourselves, it is also to be based on the rules and regulations of the bank, it is impossible to deviate much, at most it is just to make adjustments in flexibility, after all, their experience over the past decades is worth learning and learning from!" Huo Xiaotian said.

"Well, good brother." Black Nose and Liu Shuang nodded www.biquge.info.

"Hehe, I feel more and more now that we didn't come out to mix, and after following Brother Tian for a long time, I feel as if I have become a cultural person." Blacknose smiled and said, "What's this called?" Living with a good person, like entering a room, fatty, how to say it? ”

"Living with a gentleman, like entering the room of Xianglan, and not smelling its fragrance for a long time, how stupid!" Liu Shuang said with a smile.

"Yes, yes, yes, following Brother Tian, I feel that I am on the grade." Blacknose said with a smile.

"Brother Tian, when are you going to open a financing company?" Liu Shuang asked.

"If you want to open a company, you have to do your best, but first of all, you must first find good talents, the development of a company, human resources is a top priority, capital is only the foundation, and it depends on the person to do it well or badly, so I plan to go to Quancheng this weekend to see, by the way, Brother Hei, you can also go to the talent market and major universities when you have time, to see if there are any interested talents willing to come." Huo Xiaotian said to the black nose.

"Brother Tian, the talent market is enough, why go to colleges and universities? Those college students usually know how to play games and play multiple towers, how can they have experience? The black nose looked at Huo Xiaotian and said.

"Hehe, don't overturn a boatload of people with a rod, people who like to play games, they will not actively look for jobs, let alone go to job fairs, people who go to job fairs must be some young people who have ideas, at least ideological progress, this era is the era of young people, it is the era of passion and creativity, so we have to believe in them, give them a platform, and they will use their way to repay us." Huo Xiaotian said with a smile.

"Oh, okay, I'll keep an eye on it." Blacknose nodded in response.

"By the way, Brother Hei, during this time, you will mainly deal with the affairs of the financing company, run more business, be sure to do it yourself, that will broaden your horizons and improve your ability, as for the market side, just leave it to other younger brothers." Huo Xiaotian looked at the black nose and admonished.

"Oh, okay, then let Anan and Datou be in charge of the market, the two of them have always been good, and I'm very optimistic about them." Blacknose nodded. (To be continued.) )