Central, Financial Street, International Finance Centre.

"Boss!"

Several beautiful ladies at the front desk saw the boss come in, and immediately stood up to say hello.

Ye Zhengzheng was lowering his head, thinking about something, when he suddenly heard a familiar voice, and couldn't help but look sideways at the front desk. When he saw that round and pretty face, he was immediately stunned for a moment, making him mistakenly think that he was now in Nanhai City.

Hey?

A few beautiful ladies at the front desk couldn't help but feel excited when they watched the boss suddenly stand and look sideways at them. Especially the big-breasted Hong Kong girl, she thinks she is a flower of the company, and after coming in, she hinted to this young and wealthy boss several times.

It's just that she is destined to be disappointed, because the boss walked to the mainland girl next to her, a girl who is said to have only a junior high school education, which made her slightly unhappy.

"Zhao Ying, why did you come here?" Ye Zhengzheng looked surprised when he saw this acquaintance.

Zhao Ying found that everyone else was looking at her, and her chin couldn't help but lift slightly, revealing her cute little tiger teeth, and said, "I want to change the working environment, and I think Hong Kong is very good, so I applied for a transfer." ”

"It's okay to change the work environment, but can you pursue it a little bit and still want to continue to be the front desk?" Ye Zhengzheng put his hand on the table, and his fingers tapped lightly.

"I can't do other jobs, I think it's good to be the front desk!" Zhao Ying stuck out her tongue, and her heart was slightly sweet.

"You are the veteran of my business, who arranged it for you, say it and I will call the shots for you!" Ye Zhengzheng looked at her with a frown, for the old employees who followed him all the way. He's actually happy to promote them.

"Nope! I really applied for it myself, and I really think it's good to be a front desk! Zhao Ying hurriedly waved her hand to explain that this was indeed her personal willingness.

"So be it! You choose to come to Hong Kong. Naturally, I welcome it. But if you want to change jobs or simply raise your salary, come to my office at four o'clock and talk! Ye Zhengzheng raised his hand to look at his watch and commanded her.

Hush!

When the other two front deskers heard this, they looked at this mainland girl with completely different eyes, this turned out to be a cow!

Well!

Zhao Ying glanced at Ye Zhengzheng shyly and nodded obediently. At this time, her heart felt like she had eaten honey, not happy for her position and salary. It's that Ye Zhengzheng can treat her like this, and she feels that everything is worth it.

As soon as Ye Zhengzheng left, the other two front desks couldn't sit still.

"Zhao Ying. Would you like me to make you a cup of coffee?"

"Sister Ying, I have two movie tickets here, let's go to the movies together after work, okay?"

……

Zhao Ying looked at the attitude of these two colleagues, and the corners of her mouth were slightly bitter. Hong Kong is prosperous. But it's a bit realistic. But she knew that with this strong backing, she would never be bullied again wherever she went.

Entering the company, this is a large unit covering an area of nearly 200 square meters, but the layout is very broad, and there are not many people inside. And because of the lack of attention paid to the previous ones, there is an urgent need for personnel to fill here.

After the Spring Festival this year, Ye Zhengzheng entered the Hong Kong market. However, September Online encountered serious problems of soil and water adaptation.

In China, ordinary people keep their money in banks. In fact, many people only get a very low interest rate, and they can't beat the CPI at all. No one wants to watch their wealth shrink and be happy to manage it.

As for the banking industry, it is a monopoly industry. Banks issue loans, and the interest rate on loans of central enterprises and state-owned enterprises with background is only 6%, and the actual interest rate of general enterprise loans often rises to 7-10%, or even higher, and many small and medium-sized enterprises are unable to get a penny from the bank.

Therefore, people are willing to give their money to online loan companies, while ordinary private enterprises are more likely to accept high-interest loans. It is precisely in this way that the special environment of Huaxia has given the P2P industry a huge soil for survival.

On the other hand, the Hong Kong market. Since Hong Kong's interest rate has long followed that of the United States, most banks have a three-month fixed deposit interest rate below 1%. In terms of income, it is indeed similar to Huaxia, but it has outperformed the CPI, so the willingness of ordinary people to manage their finances is not particularly strong.

In terms of loans, taking Standard Chartered Bank as an example, for personal loans of more than HK$500,000, the interest rate for half a year is 3.92%, and the interest rate for one year is only 3.89%. This is relative to individuals, and for businesses, the interest rate is lower.

The one-year lending rate for US dollar and Hong Kong dollar loans has remained at 2%, which has fallen below 2% in many banks. Affected by demand, the loan interest rate of Huaxia currency is a little higher, reaching 4%, but some large enterprises have a lot of room for negotiation, with a 5-year interest rate of 3%.

It is precisely because of the low interest rate on loans in the Hong Kong market that many mainland enterprises have come to Hong Kong to make loans, and their final repayments have reached US$430 billion.

Even mainland enterprises choose to go to Hong Kong banks, and the loan interest rate of Hong Kong enterprises is only about 2%, so they will naturally be more loyal to the banks. In particular, the United States has implemented a monetary easing policy, and a large amount of "cheap dollars" have flowed into the Asian financial market, and the lending interest rates of many banks have actually fallen below 2%.

In addition, Hong Kong's financial industry is very developed, and corporate financing is very convenient. A good company can easily get a loan from a bank, and the venture capital industry here is very developed, and high-quality companies do not have to worry about no one having a stake.

As a result, Hong Kong companies do not have much demand for P2P platform financing channels, and are unlikely to accept high interest rates of more than 10%.

As a result, the P2B model of September Online suffered a slight setback in the Hong Kong market. It's not that September Online didn't do well enough, but that the banks in Hong Kong are different from those in the mainland, and the banks here don't cheat.

September Pass and September Savings are built on the basis of September Online, and now September Online cannot be developed, so this September Pass and September Savings are naturally dumb.

However, September Capital lurked here.

Unlike ChinaAMC's stock market, Hong Kong's stock market is relatively stable, with institutional investors accounting for more than 60%. Recently, the Hong Kong Investment Funds Association commissioned a survey by Nielsen to conduct a survey showing that more than 50% of investors choose conservative investment options, and in the first half of this year, funds sold in Hong Kong were mainly bonds.

Since Hong Kong is a stable stock market, and there are many listed companies with assets of more than $1 billion in Hong Kong's Growth Enterprise Market, value investing is feasible.

Ye Zhengzheng raised 200 million funds one after another for members in China in September, plus 200 million loans from Changlong Bank, and invested 400 million yuan in the Hong Kong stock market. (To be continued......)