When the two returned to the dormitory, Chen Bo logged in to the student system again to check, and was surprised to find that the credits had been made up.

"There is no Xu Xueying in the keyboard academy, there are few surnames Xu, most of the men, there is a Chinese name of crooked nuts, I found a photo of a woman and looked at it, it is definitely not your dish, and cute."

Wang Xu was very concerned about helping his roommates find a partner, and he picked up all the information of his college classmates in just a few minutes.

"Could it be that my parents are divorced, and then I have my mother's surname, and you can see if there is anyone named Xueying." Chen Bo had a whim, and his brain circuits gradually cleared up.

"You're cursing people like that...."

Wang Xu, who was angry and smiling, continued to compare keywords, and brought up the photos of several girls named Xueying, but he didn't find the faces he had seen before.

"What other reason do you say, Xu Xueying must be real, otherwise the plot would not have been created." Chen Bo insisted on his point of view.

"She's probably not our classmate." Wang Xu is still honest, this is the most probable at the moment.

"Yes, I'll search on the Internet, and I live in a place called Xu Xueying." Chen Bo searched for thousands of people with the same name and surname, excluding their origins and ages, and narrowed the scope to 93.

Because of the protection of privacy, the search results only show the name, and there are no key photos, Chen Bo encountered another problem.

"Don't think about it, maybe one day it will suddenly appear in front of you."

"Will it? I think it's better to take the initiative to fight for it. ”

Wang Xu gave an alternative, "Do you want me to buy you a doll, now support customization, quality is guaranteed, I vaguely remember what Xu Xueying looks like, do you have any special requirements, for example, there is a mole in the armpit, or hemorrhoids, the merchant can meet it." ”

Seeing that Wang Xu was getting more and more outrageous, Chen Boyang stopped the output of the long tongue with his hand, and put aside the matter of finding Xu Xueying for the time being.

The current class schedule does not arrange additional exams, but this does not mean that the school will not engage in sneak attacks, Wang Xu doesn't care, he has already entered a state of vacation, no matter who the teacher is in class and what he teaches, he is doing his own thing offstage.

"Such a beautiful female teacher is actually a master of finance? There is a discrepancy with the intuitive impression. ”

"Mr. Cai has no academic attainments, and his professional ability is also worried, so he can only teach in school." Wang Xu played with the greedy snake and did not forget to complain a few words.

"It's our teacher, what you said." Chen Bo felt that Wang Xu was not appropriate, and as a good roommate, he should correct it in time.

"That's true, there was a joke a few years ago, she commented on other people's scientific research articles on stage, who knew that the article was a certain student in the audience, the two faced each other on the spot, Mr. Cai lost a mess, and since then he has not taught profound courses, but has changed to popular science."

Wang Xu then mended the knife and said: "I think it's good, recognize the positioning, change yourself, and make yourself more suitable for the public, after being mixed for so long, the students have already changed I don't know how many waves, and not many people know about the black history." ”

Chen Bo was speechless, so he had to listen to the class by himself, not because of how well Mr. Cai spoke, but because he was good-looking, eye-catching, and pleasing to the eye when he looked at it occasionally.

Teacher Cai Shujie introduced the basic financial knowledge related to ABS today, where ABS is not an anti-lock braking system of the automotive system, but Asset Backed Securitizat, which translates to asset securitization.

This is a securitization financing method supported by the assets of the project, which is based on the assets owned by the project and guaranteed by the expected returns that the project assets can bring, and raises funds through the issuance of bonds in the capital market.

The history of asset securitization is not long, it was first born at the end of the 20th century, and it has only been developed for half a century.

In theory, the advantages of the benign ABS model outweigh the disadvantages, such as conventional car consumer loans, student loans, and premium income, the probability of bad debts is low, and the expected cash solvency in the future is guaranteed.

Cai Shujie gave two counterexamples, one is that the ABS leverage violation was super doubled in the process of insect listing, and leveraged the 100-billion-level credit market with less than 3 billion of its own principal, transferring the risk of personal debt to the whole society, but fortunately it was stopped in time when the signs first appeared.

The other is the ABS operation model of self-rented apartments, which involves the abnormal development of Internet companies, and entrepreneurs generally like to seize the market by throwing money and losing money to make money in the early stage, collecting houses from landlords at high prices, renting them to tenants at low prices, maintaining healthy cash flow for a certain period of time through long-term collection and short-term payment, and packaging tenant loan securitization into the market for secondary sales during this period.

"We need to make it clear that ABS is not a Ponzi game of playing money and making money, and the biggest advantage of the ABS financing model is to raise funds through the issuance of bonds in the international market, and the bond interest rate is generally lower, thereby reducing the cost of financing."

"Moreover, the ABS financing model isolates the risks of the original owners of the project themselves, so that the funds to repay the principal and interest of the bonds are only related to the future cash income of the project assets, so as to diversify the investment risk."

"Oh my God, I was yin by a little snake, and I finally managed to play that big." Wang Xu made a remorseful voice, and Chen Bo hurriedly reminded him to pay attention to the order of the class.

Cai Shujie also noticed this person who didn't listen, and other teachers would probably shout to educate and ask a few more questions just now, but Teacher Cai was weak-hearted, she smiled, waited until the classroom was quiet again, and then talked about the rest of the content.

"I remember something."

"What's the matter, the dormitory toilet is not flushing? Balcony clothes confiscated? Didn't order takeout at noon? Chen Bo thought about it for a while, and there was no such thing.

"We haven't inspected the projects we have invested in before."

"You mean the study room, I forgot about it."

Wang Xu found the entrepreneurial partner he added before, and he didn't think about what message to send to say hello for a while.

"You also have a big heart, and if you smash real money into it, you should be the shopkeeper."

"It's not just a matter of running away with the money, but they are students of this school, and they can't run anywhere, at most they will go out of business at a loss, and the fixed assets will be sold out and scattered." Chen Bo can see that the study room is not a big business, and it is estimated that he will not lose much, and he will earn a small amount of money.

"I'll take the time to go to the funeral home on the weekend to see the new styles designed."

"Don't you take me?" Chen Bo pointed at himself, full of interest.

"I'll go at night, and I'll rest there for the night, do you want to come?"

"Forget it then, I wish you all the best."