Chapter 447 abs financial model! Stealing Chen Mo’s loan market!
"Uncle Qiang, Uncle Xiong, when are we going to do Chen Mo?"
At this time, Li Zheju was already red-eyed at the loss, and his mood was quite unstable. He didn't even exchange greetings and went straight to Huanglong.
Xiang Xia Qiang took a puff of cigarette and said calmly: "Hurricane Boy, Uncle Qiang knows that you have suffered a loss under Chen Mo recently.
Don't worry, I will take revenge on you. "
“During this period, Moyuan Entertainment Company’s business has expanded and several artists have become popular.
Chen Mo spent at least a billion on opening up the market and buying resources during this period. "
"The time has come. It's time to dig out all the artists from Moyuan Entertainment!"
Li Zheju's eyes lit up: "Okay! That's great! With one move, Chen Mo's money for marketing has been wiped out. The company has no artists, so he is left as a polished commander, which is even more hilarious!"
Xiang Xiaqiang patted Li Zheju on the shoulder and said with a smile: "Hurricane Boy, this is just a part of my revenge plan."
"Oh? Uncle Qiang, do you have other plans?" Li Zheju asked impatiently.
He wanted to see Chen Mo deflate so much!
I'm almost going crazy thinking about it!
In the past few days, he couldn't even dream about beautiful women. All he dreamed about was Chen Mo's ugly face!
"Have you ever heard of student loans?" Xiang Xia Qiang asked.
"I've heard of it. It seems to be a new type of loan that has recently emerged, mainly for college students?" Li Zhehu said.
“It’s not just college students, any adult can apply for this student loan.
It is said that there are now as many as 15 million registered users! "
"Every month, the turnover alone is more than 3 billion!"
“You have to know, this is only the early days of this business!”
Xiang Xiaqiang said.
"What? Is it so profitable? Who did it?" Li Zheju said in shock.
Xiang Xiaqiang smiled and said nothing.
Li Zheju's eyes twitched and he said, "Could it be Chen Mo again?"
"bingo."
Li Zheju was simply shocked beyond measure!
Internet cafe, legend, and now there is a loan business...
To say that Chen Mo is a business genius is not a compliment, it is an insult!
It should be said that he is a business god!
“I carefully studied this form of loan and found that it really has a lot to offer!”
"Chen Mo's loan starts with timely payment without interest, but once he defaults and starts to pay in installments, the interest will be very high!"
"Do you know how he calculates interest?"
"How do you calculate it?"
“The interest rate is 2.5% for the 3rd period, 4.5% for the 6th period, 6.5% for the 9th period, and 8.8% for the 12th period. Doesn’t it feel like a small amount?”
"It's quite rare. It's more conscientious than a bank."
"Conscience is a fart! This is playing a numbers game! The interest rate of other banks' loans is calculated based on the annual interest rate. As for Chen Mo's interest rate, normally, after you have paid off one installment, should you pay for the next installment? Calculate interest on the remaining money?
He has always calculated interest based on the maximum principal! And it’s a compound profit!
After conversion, the annualized interest rate is close to 24%!
It’s almost reaching the level of loan shark!
The key point is that those who repay the loan are flattered that it is cheaper than bank loan interest. "
Li Zheju couldn't help but blurted out: "It's so dark!"
In fact, Chen Mo's set of word games were all learned from later generations of Huabei, Jianbei, and xx Bei.
“It’s dark, but it’s very profitable.
However, Chen Mo was a bit naive after all and did not discover the ultimate money-making secret of this loan model! Xiang Xia Qiang smiled mysteriously.
"Uncle Qiang, can you stop being so pretentious? Can you finish it in one breath? I'm in a hurry!"
"Abs! That is asset securitization! It is a model taught to me by a Wall Street boss. It is difficult to explain theoretically. Let me explain it to you with an example."
"Suppose we open a loan company called Wanbei."
"1. Xiao Wang borrowed 10,000 yuan from Wanbei. The annual loan interest rate is 15%. After one year, he will return the principal and interest to Wanbei for 11,500 yuan. Then we made 1,500 yuan on this loan."
"2. I felt that the money was not enough, so I packaged Xiao Wang's loan into a financial management product (abs) and sold it to other investors. Xiao Zhang spent 10,000 yuan to buy this financial product, which lasted one year Later, Wanbei Company gave him 10% interest, which is 1,000 yuan.
After such an operation, Wanbei actually made a profit of 500 yuan in price difference (1,500 yuan in interest received from Xiao Wang - 1,000 yuan in financial management income paid to Xiao Zhang), while still holding 10,000 yuan in his hand. "
"3. Wanbei can lend the 10,000 yuan he has to another borrower, Xiaohong, at an annual interest rate of 15%. After one year, he can earn 1,500 yuan. The current situation is: a total of 10,000 yuan can be earned in a year I got back 2,000 yuan, which is the difference of 500 yuan in the first operation and the 1,500 yuan I lent to Xiaohong in the second round."
"4. Wanbei once again turned the project borrowed by Xiaohong into a financial product and sold it to Xiaolin. In exchange for 10,000 yuan, he continued the previous operation.
After several rounds of ABS, the principal of 10,000 yuan was used as 50,000 yuan or even 100,000 yuan, and each round of operation would increase the rate of return by 5%. Assuming that we do 5 rounds, the annualized rate of return changes from 15% to 40%. For us, Wanbei earns 4,000 yuan a year from a principal of 10,000 yuan, and 6,500 yuan for 10 rounds. "
"Think about it, if I develop dozens or even hundreds of rounds of ABS, how big will the Wanbei store I open be?"
Not only Li Zheju's eyes widened now.
Liu Xiong next to him was stunned.
If you get a bank loan first, then issue ABS.
Loan-ABS-re-loan-re-ABS... the cycle continues!
Even if you only have a principal of 1 billion, after dozens of rounds, you can leverage 100 billion in funds!
The company provides users with a loan of 100 yuan. They only need to pay 1 yuan, and the bank will provide the remaining 99 yuan.
Rounding off, it means that all the risks are borne by the bank, and you have no risk at all!
Looking at the dumbfounded two people, Xiang Xia Qiang smiled proudly and said: "Let me tell you, this is currently the most popular capital method among the leaders of Huaer Capital in Hegemony!"
"Currently no one in Daxia is engaging in abs gameplay."
"I have never found a cash-out method that matches this financial model before. Unexpectedly, this guy Chen Mo's student loan inspired me!"
He knocked on the table and said to Xia Qiang with great enthusiasm:
"I bet that only ABS's financial model allows us to play."
"In the future, we will be the richest man in Hong Kong City, the richest man in China, and even the richest man in the East!!!"
