Xu Xiaoai has also investigated, the bad debt rate of such enterprises is very small, because their main sales object is listed companies, listed companies have a good reputation, as long as there are no problems in operation, the stock price is stable, and there is a good cash flow, it is not a problem to collect money on time.

So the business model she wants to do is actually a short-term bridge fund given during the accounts receivable period.

After she reported her thoughts to Wang Zijun, Wang Zijun frowned: "Our trust products are generally two years, and if you do a revolving loan for a few months, it may be unacceptable to wealth customers." ”

Xu Xiaoai insisted on his point of view: "Mr. Wang, in fact, the company's original two-year products have a lot, especially platform enterprises. What they can give customers is stable happiness, but our kind of business should also belong to the business with low risk and high turnover rate, and I think it belongs to the company's business supplement. ”

Wang Zijun didn't immediately agree: "In this way, you first find the wealth manager to explore the wind, and if they think it is feasible, we will push it forward." ”

Xu Xiaoai felt that what Wang Zijun said made sense, so today she asked Lu Liang to talk in the company, but she didn't expect Lu Liang to run outside all day, and when he came back, it was already 6:30 in the evening, so he directly pulled Xu Xiaoai away: "Accompany me to eat first, and talk about anything when you eat." ”

Xu Xiaoai was pulled by him to a small restaurant at the entrance of the company, where the soup dumplings are very famous, and Xu Xiaoai used to like to eat here.

Lu Liang directly ordered three cages, two cages for Xu Xiaoai, and one cage for himself.

"How? Is it fragrant and spicy to follow me, and your husband doesn't take care of people? Lu Liang was sour, looking at Xu Xiaoai's delicate face opposite, he always had a feeling that his own cabbage was arched by others.

Xu Xiaoai rolled her eyes at him: "People are doctors, do you think they will take care of people?" ”

Lu Liang immediately retorted: "This is not necessarily, the doctor will take care of the patient, but not necessarily the wife, a man must be careful, and always be considerate of the woman's mood, if you are macho all day long, then this family will definitely not be good." ”

"Okay, he's busy with his work, and so is mine. Can you stop talking about him anymore? ”

Lu Liang hurriedly stopped: "Okay, okay, don't talk about him, he was originally a third party between the two of us, and I don't know what blessings he cultivated in his previous life, and he brought you back home, a white bone spirit, I am really envious." ”

Xu Xiaoai hit him on the head with chopsticks: "You are the white bone spirit." ”

Chu Yu asked about Xu Xiaoai's whereabouts at Ding Liang, and he drove a car and waited at the door of Xu Xiaoai's company.

didn't pick her up from work, but saw her and Lu Liang going out to eat together.

Lu Liang and Xu Xiaoai couldn't be more familiar, and when the two walked out of the company building, the smiling and cheap expression made Chu Yu look very dazzling.

Chu Yu: Handsome guy Ding, who is the person who had dinner with Xu Xiaoai?

As he spoke, he also sent a photo to Ding Liang.

Ding Da Handsome Guy: Oh, this is our company's Xu Xiaoai's suitor, an iron fan.

Chu Yu's heart suddenly tugged.

Chu Yu: Why did the two of them go to dinner together?

Handsome guy Ding: They have something to talk about today, it's the wealth department, and Xiao Ai has been waiting for him for a day.

Chu Yu: Then why don't you go and talk together?

Handsome guy Ding: Then Lu Liang didn't split me, it's rare to have a chance to have dinner with Xiao Ai and be alone, how could he put my light bulb there to illuminate.

Chu Yu gritted his teeth and replied: I don't think your expert number is wanted, and the light bulb must have the consciousness of the light bulb.

Ding handsome guy: ......

The handsome guy Ding, who was named and criticized by Chu Yu, thought about it and didn't go to Lu Liang for trouble, so as not to be considered by Lu Liang as a rival in the company.

After all, Chu Yu is far away, his father's expert number has already been hung up once, and there is no need for a second time for the time being.

Chu Yu parked the car, took the hood off his head, followed the two of them, entered the restaurant, and found a place to sit next to Xu Xiaoai.

Lu Liang's voice was relatively loud, Chu Yu could basically hear what he said, the more he listened, the more his eyelids twitched, and the green tendons on his head jumped, sure enough, as he thought, this Lu Liang didn't say a few good words.

Xu Xiaoai stopped Lu Liang's nonsense and told Lu Liang about her business needs.

Lu Liang put away his smile and thought about it seriously:

"It's not impossible for you to think of this, but I still need to ask a few of my regular customers to see if they have this kind of short-term funding needs. How long can it be? ”

"I designed a three-month turnover, and three months is exactly the account period of their company, as long as the listed company collects the payment on time, there will be no problem."

"How big can that be?"

"Tens of millions, tens of millions, tens of millions, get out."

"That's okay, I'll find a few customers and give you this order next."

Lu Liang is the head of the wealth department, and his annual sales performance in the company can reach 2 billion, and he is a well-known figure in their wealth team.

Xu Xiaoai was very happy: "Does that mean that this kind of project is feasible?" ”

"It's not feasible, I don't dare to answer you, I have to find those customers who have short-term capital needs, your kind of project should be a long-term demand, if these customers only have short-term investment needs, then you have to find new customers after expiration, which will be more troublesome."

Xu Xiaoai nodded: "That is to say, if you can find a few fixed customers, he is not willing to accept long-term capital occupation, but is willing to accept short-term investment, it is possible to start the project first, but later if the customer wants to use the money, you have to find the next home to pick up." ”

"Yes, my Xiao Ai is smart, that's the logic, you turn around in three months, it's actually equivalent to three months and you still need to find someone to take over, if he can do it, then there is no problem, then if he doesn't want to do it, then he has to find new customers, this pressure on wealth is still a bit big."

"I know, the most important thing is that the commission ratio of this project is not high for you, and you can't get much bonus in three months, right?"

In Xu Xiaoai's words, Lu Liang nodded appreciatively: "That's the case, if you think about a two-year project, I can put a fund for two years, but now I have to turn around 8 times to do the two-year project, and the bonus commission is about the same, so what do you say the financial manager will choose?" ”

Xu Xiaoai was a little discouraged, Lu Liang was right, why should people buy her products instead of buying two-year high-yield products?

"But you should still have the demand here, but the pressure to take over the plate is a bit big, this is a bit like the company's capital pool products, if you can graft the company's credit, then this business will definitely be able to do."

Xu Xiaoai's eyes lit up: "You mean to allocate this asset to the company's capital pool?" ”

"yes, but you might have to talk to someone in Fixed Income.

Because we usually sell the capital pool of the fixed income department, this is very easy to sell, because it is a grafted company credit, people don't look at the underlying assets, which can meet their capital needs for various periods, from 7 days to a year, and their capital pool is also to do the underlying asset allocation, you think about your assets can be allocated into it and increase the liquidity of their pool. ”

Xu Xiaoai felt that what Lu Liang said was very reasonable, her thinking was very clear, and the meal she and Lu Liang ate was too worthwhile.

She patted Lu Liang on the shoulder: "I can't see it, your current business is really quite proficient." ”

Lu Liang was a little proud: "That's not just a crawl among the customers, those customers are very tricky, there will be any problems, I want to do asset allocation for them, to be the best financial manager, then naturally these have to learn." ”

"Taught, Brother Lu." Xu Xiaoai clenched her fists with both hands and arched her hand to Lu Liangyi, quite a heroine's style.

Lu Liang began to get nervous again: "Regret it, did you find that my gold was blinded by you as dust, how good it would have been with me a long time ago." ”

Chu Yu listened to it a little misty beside him, what Lu Liang said was like a mountain across the road from him, he only understood a rough idea, but he could hear that Lu Liang was very proficient in business, and it seemed that he was not a person who did not learn and did not know how to do it, and he and Xu Xiaoai had a common language, which made Chu Yu very frustrated.

The more the two talked, the more speculative they became, and soon it was more than 9 o'clock in the evening.

After Xu Xiaoai and Lu Liang broke up, as soon as they got out of the hotel, they saw Chu Yu's car parked at the door.

"What a coincidence, Xiao Ai, let's go back together."

It is indeed a coincidence, Xu Xiaoai thinks that Chu Yu has pretended to be positioned on him, and he can always appear in front of her from time to time during this time.

"I'm going back to the office to get the car."

"Don't take it, I'll give it to you tomorrow morning."

Xu Xiaoai can think about it, she doesn't have to go on a business trip early tomorrow morning, and she has to discuss with Wang Zijun how to carry out this follow-up business, so let's go back and write a basic plan first.

After returning home, Xu Xiaoai went into the study.

Chu Yu went back and forth several times, some sent tea, some sent fruit, and the one he wanted to send the most was himself.

"Brother Chu, don't pestle me, okay? I have to write at night, and your train of thought is always interrupted by you. Xu Xiaoai became angry after Chu Yu entered her room for the fourth time.

Chu Yu touched his nose, he finally pushed away everything tonight, freed up the whole night, and originally wanted to take Xu Xiaoai out to play.

But now, how can a wife who loves work too much be broken?

He simply went to the gym and hammered at the sandbag, and the sound of knocking and knocking spread upstairs, making Xu Xiaoai's head hurt.

She ran downstairs and saw Chu Yu alone in a vest and shorts hitting the sandbag hard, the sweat on her head was scattered, and the muscles on her arms were bursting out, and she was almost sexy.

"Come, the work can't be done, how about a fight between the two of us?"

Chu Yu stopped his hand, gasped, and looked at Xu Xiaoai who was standing at the door with his arms crossed.

"I'm writing, can you be quieter?"

"After the exercise, I promise you that you have a wellspring of ideas, you can't be that you haven't played Bo Punch, right?"

Xu Xiaoai immediately retorted: "You underestimate me, I have been practicing for two years." ”

"Okay, don't be beaten down by me for a while."

Xu Xiaoai is a fun-loving character, after being provoked by Chu Yu, he went up to change his clothes and put two fist gloves on his hands: "Say it in advance, you are a man and I am a woman, you have to let me." ”

"I admit it before I fight, so I'll just tie my hands up." Chu Yu deliberately provoked her.