Tang Ya shook her head, "Do you know what the essence of a bank's profit is?" ”

"I see!" Luo Feng said, "Your bank eats the interest rate differential, the low interest rate of savings customers, and the high interest rate of loan customers, and then earns this difference? Right? ”

Tang Ya nodded affirmatively, "That's right! ”

"Our bank gives your family 2.5 percent for six years! There is a total of 15% interest, which is a full 300 million. It looks like we're making a lot of money, but in theory we're losing money! Tang Ya said.

Luo Feng nodded in understanding.

Theoretically, their bank would lose about 30 million.

But in reality, it won't be like this.

Because very few savers will save for six years at once, let alone two billion dollars.

Banks also make money.

A large number of retail investors is their opportunity to make money.

And 20 billion funds, there is too much money in the bank, and getting it out is a way for ordinary people to buy a house: to maintain value!

Despite earning less.

But stability can be taken back, what are you afraid of?

You must know that you can throw out 2 billion funds at one time to keep the value of these 2 billion yuan!

"Mom, you guys are really hard, so you don't have much performance?" Bai Ningbing said sincerely.

Tang Ya said, "Actually, it doesn't matter, I don't pursue high income, so naturally I won't be too tired!" ”

Luo Feng said half-jokingly, half-seriously, "In the future, I have a need for a loan here, and I will contact Auntie!" ”

"Okay, I'll help you with the greatest amount of authority!" Tang Ya promised.

"What if it's high?" Luo Feng asked.

"How tall?"

"Billions!" Luo Feng said, "We used to mainly cooperate with banks in the capital, and now we have two loans, both of which are about 2 billion, the interest rate is 0.8, and the loan cycle is 10 days!" ”

Tang Ya shouted, "Ten days loan cycle? ”

"Well, there's no way, in the short term, the interest rate is very high, for example, if you go to rent a house for someone, rent it for a year or a month, it's not the same price." Luo Feng smiled.

"Is there collateral?" Tang Ya said, "Or is it a simple credit loan?" ”

"Of course there is collateral, and the collateral is absolutely worth two billion!" Luo Feng Dao.

"The handler is going to die laughing." Tang Ya sighed and said, "Your ultra-short-term loan, and there is enough collateral, our bank generally does not calculate the interest of depositors, and the share ratio to the handler is particularly high." At least about 10 percent, I guess? ”

Luo Feng was surprised, "That's about 1.6 million?" ”

"Yes, but there are almost no such customers, I haven't seen them for more than ten years anyway, I've heard you say it once!" Tang Ya said.

Luo Feng responded with a smile, "Then next time, when you need a loan, I hope that Auntie will help you deal with it!" ”

"No problem!" Tang Ya agreed directly, and she secretly began to look forward to the next time.

It was about half past two in the afternoon.

Luo Feng finished eating the last apple and said, "Baby, let's go to the IFC to have a look?" ”

Bai Ningbing first glanced at Tang Ya on the side, and glared at Luo Feng fiercely, she loved Luo Feng very much, and she also liked Luo Feng to call her baby, even his wife like this, but in front of her mother, shouting like this?

Luo Feng is too arrogant?

Bai Ningbing snorted and said, "What are you doing with the IFC again?" ”

"It's the New Year, let's go buy some new clothes!" Luo Feng said, "By the way, Auntie, you can go with you, thank you for the good conditions you fought for Jiamei before, if you don't say it, I think Jiamei's loan is a big business!" ”

Tang Ya said, "It is indeed a big business, which is mainly reflected in the weighting coefficient of promotion!" ”

After all, if the bank doesn't make money, can it still give Tang Ya money? It can only be said that there is a function, no share.

"Harm!" Luo Feng invited again, "Auntie, will you go with you?" ”

Bai Ningbing said coquettishly, "Mom, can you go with you?" ”

Tang Ya agreed, "Okay, I'll accompany you over to have a look!" ”

The main thing is that Tang Ya doesn't want to stay at home alone.

She often stays at home alone, and when she finally has a vacation, she also wants to go out and walk.

After Tang Ya agreed, Bai Ningbing pulled Tang Ya to change clothes, Luo Feng waited in the living room, and he checked the special information related to gold before.

I didn't look closely at it before.

Then Luo Feng was surprised.

This news actually records the information of the price of gold.

Yesterday's international gold price was 345 yuan unit price.

In this special news, it was actually recorded that the price rushed to about 450 yuan.

And in a month?

It's kind of interesting.

Luo Feng thought silently, can he make money through this news?

That's a must! Even if you choose the worst paper gold investment, at a price of about 345, you can get a minimum profit of 30%, okay?

How do I choose futures?

Add a little leverage.

That's not 30 percent, so the short answer, right?

But there is a problem with futures gold.

In this special news, only on February 24, the price of gold will reach 450 yuan per gram, and there is no clear chart.

Luo Feng checked the gold price again today, and it was actually 343 yuan, which is a little lower?

That's the problem.

There is no specific trend information.

What if it falls too much halfway?

In a situation like futures, you are directly forced to close your position, what should you do? Dry stare?

The funds are all gone.

After all, futures is originally a margin model, and leverage is also opened? Gold falls a little too much, and your money goes down.

I'm afraid that when the price rises to 450 yuan, you will have no money halfway, and you won't stick to that time.

Of course, this is only a risk, there is another risk in futures, and that is surges!

A wave of waves poured down, and Luo Feng's 2 billion funds were converted into a maximum of 300 million US dollars.

In the face of the total volume of 20 trillion dollars, it is not worth mentioning at all.

Therefore, it is impossible for Luofeng to operate with high leverage.

He wouldn't even do it right away.

Prepare to observe for two days!

However, funds can be mobilized in advance.

After all, the soldiers and horses go first before the grain and grass are moved, which is the same reason as fighting in ancient times.

Luo Feng immediately began to send messages in the group of several brothers in the capital.

"Is everyone there? Come out! ”

Chen Dali immediately sent a message, "It's here!" ”

Li Bokai: "Yes, yes!" ”

Lin Xiaoyun: "On the side of Shucheng, the day after tomorrow or the day after tomorrow, go to the magic capital, and ask for a style to arrange a dragon!" ”

Li Bokai: Thank you, there are really dragons in this world, and I have been served!

Lin Xiaoyun:

Chen Dali: Brother Feng shouted at us for something?

Luo Feng: Have you spent all your money?

Li Bokai: I seem to smell that thing?

Lin Xiaoyun: I didn't spend a penny, it was all other people who were spending money, so I would eat, drink and have fun!

Luo Feng: It's you!

Chen Dali: It's you!

Li Bokai: The first pick in the capital, well deserved!

Luo Feng: You first count how much money you have, and then report the number!

(End of chapter)