Live Beautification System

  Chapter 67 Credit Finance

  The life of studying always goes very fast. The short vacation soon ended. In the afternoon, Ding Mu drove his parents to the airport, waved goodbye, and returned to the empty home alone.

  Just a few minutes after arriving home, a strange phone call came in. Ding Mu picked up the phone casually, and a nice female voice came from the opposite side: "Excuse me, is this Mr. Ding Mu?"

   Ding Mu said: "It's me. What's the matter?"

The other party said politely: "That's right, I'm your bank steward. We found out that your consumption last month was 38.4 million yuan, and you have repaid the repayment on time. We think your credit rating is very good, and you belong to the high-net-worth group. Therefore, an interest-free loan service is specially launched for you.”

   "Interest-free?" Ding Mu likes these two words very much.

"Yes, we will deduct up to all your credit limit, and transfer up to 70 million yuan in cash to any debit card you designate. You can use this money freely, and you can choose to repay it on a monthly basis, It could be 6 or 9."

  Ding Mu calculated, this 70 million is not a small number, even if it is only 6 months of trust financing, with an annualized rate of return of 12%, that is a huge sum of 4.2 million. However, this is not a liar.

   Ding Mu said vigilantly: "Are you sure about interest-free? Then what materials do I need to submit?"

  The other party said: "It is indeed interest-free. You only need to agree verbally. I will send the operation process to your mobile phone text message. You can use the mobile APP to operate according to the specified process without providing any additional materials."

   "Won't send me a link with a virus." Ding Mu half-jokingly said.

   "Don't worry, there is no link in the text message, it's just an operation guide." The other party said heartily.

   "Okay, then send it to me for a look." Ding Mu said.

   Not long after, the other party sent a short message. Ding Mu saw that the process was very simple, so he just memorized it, opened the mobile app, and followed the process.

   User instructions? Whoever sees it, just tick it. Once the relevant account password is entered and confirmed, the application is successful, and the 9th issue is selected.

  Ding Mu is quite proud, if not that money can make money, no wonder those rich people are so rich, they can make a lot of money just by cashing out credit cards.

   Before Ding Mu was happy, the money did not come, and the confirmation bill came first.

   "You have chosen the bill installment interest-free installment plan. After the application is successful, you cannot change the number of installments and the amount you have applied for. Your monthly repayment amount is 8,562,777.78 yuan, of which the handling fee is 875,000 yuan."

   "Fuck. What's going on? Why is there such a high handling fee!"

  Ding Mu was furious, and made a phone call. The person who answered the phone was no longer the sweet female voice who recommended the bill interest-free installment payment plan just now.

   Two minutes later, Ding Mu accepted the reality with his head down. People said very clearly, interest-free, did not say free handling fee. During the process of handling, there was indeed a line of extremely small characters, which said the handling fee amount of this plan, but I didn't read it carefully. However, isn't this a trap for people? ! Banks would do such a thing!

   Having said that, isn’t it normal for banks to do this kind of thing…

  Ding Mu turned around twice anxiously, took out a bottle of Coke from the refrigerator, drank it all in one gulp, and then took out his mobile phone to do some calculations. He pulled his hair hard, and said to himself: "Have you been living so smoothly during this period, how can you think about the good things that fall from the sky! Now you are blind, not only did you not make money, but you also made money out of nothing. Lost several million, the key is that there is nowhere to get these millions!"

   When encountering such a situation before, Ding Mu must have called his own mother. However, after going to university and having a woman, Ding Mu always felt that he was an adult, so how could he let his mother worry about it.

  Ding Mu thought about it, and suddenly realized that Yan Xinran is a professional in this field, why not ask her to give her an idea, and immediately called Yan Xinran.

  Seeing that the phone changed from being calling to counting down, Ding Mu immediately said in a sweet and greasy tone: "Sister Yan, what are you doing?"

  Yan Xinran said in a slightly tired voice: "I have been working overtime for several days, and I just went home to rest. Recently, the form of investment is not clear. Our team has been formulating investment strategies and made several investment models."

   "Really. I have something I want to ask you about."

   "Aren't you a carefree rich second generation? When did you know about investing." Yan Xinran joked, "I can't explain this kind of thing on the phone, why don't you come to my house."

   "Okay, give me the address, and I'll drive there."

   An hour later, Ding Mu arrived at Yan Xinran's two-story detached villa on the North Fifth Ring Road.

It was the first time for Ding Mu to come to Yan Xinran's house, he admired the villa, stood on the balcony of the bedroom, looked at the beautiful scenery in the yard, and sighed: "It's better to live in the villa, you have your own land, but you are alone Live so big?"

  Yan Xinran said: "My family usually has an aunt who lives downstairs, cooks for me, and takes care of me. Recently, she happened to have something to do at home, so she asked for leave and went back to her hometown."

   Ding Mu said: "The rich man."

Yan Xinran smiled and said: "This job is too hard. I plan to quit the secondary market after one or two years of work. I can buy a few facade houses to pay for the rent. By the way, you are calling, what do you want to ask me? Come here , let's sit down and talk."

  Yan Xinran retreated into the room, sat on the edge of the bed, and patted the seat next to her.

Ding Mu sat down next to Yan Xinran, deliberately buried his head on Yan Xinran's neck, took a deep breath of her fragrance, and said in a low voice, "Just now, I was tricked by a bank! I got scammed by my phone sales."

  Ding Mu told Yan Xinran about the interest-free installment payment plan, his face was full of bitterness.

  Yan Xinran listened patiently. After listening, he patted Ding Mu's head and said, "Little devil, you are not being deceived. It's your own carelessness. How can there be such a thing as pie in the sky?"

  Ding Mu looked at Yan Xinran anxiously, and said timidly: "You are my good sister, a financial expert, is there any good way to turn losses into profits."

  Yan Xinran smiled slightly, did a mental calculation, and said to himself: "Your handling fee, the annualized rate of return is not very high, it is only about 15, and there is still a great hope that you can earn it."

  Ding Mu excitedly said: "Then think about it quickly, how to do it specifically?"

Yan Xinran analyzed: "Although your money is not a small amount, it still can't play a role in turning clouds and rain in the financial market. The rate of return should not be too low, and there should be no risk of losing money, so that you will not be paid by then. It is indeed a bit difficult to get money. However, I have a bad idea. "

  Ding Mu put his ear to Yan Xinran's mouth, and said: "I would like to hear the details, and listen carefully."

  Yan Xinran licked Ding Mu's ear playfully, then bit it lightly, and said while exhaling: "Allow capital to buy stocks, financing to make new investments."

  Ding Mu already knew how to buy Yu’E Bao or something, and at most he knew a little more about P2P platform financial management. He was completely confused by Yan Xinran’s words, and couldn’t help asking: “What do you mean?”

  Yan Xinran explained: "Generally speaking, the risk is directly proportional to the return. Do you know what is the most risky thing now? Even if you don't understand it, it is financing and capital allocation. Do you know what the least risky thing is? IPO."

Seeing Ding Mu listening carefully, Yan Xinran continued to explain: "Financing allocation is to use financial leverage. Funding means that you deposit part of the money in other people's accounts, and others give you several times the funds. You only need Pay interest, and the profit is yours. Financing is to use stocks as collateral, use less money as leverage, and buy stocks that are several times the value of the money you spend. But both have a warning line. If you fall below What will happen to this cordon?"

   "How?"

   "The position will be liquidated, and you will lose a penny."

   "My God, there is no penny, and the risk is too great. You want me to do this?" Ding Mu questioned.

"While buying stocks, you can also use equity as collateral for financing, and then issue new shares through financing. Now the rule for issuing new shares is that how much stock you buy, you are eligible to issue new shares of the same value. A company of your size The amount of funds, if you don’t get new shares, there is a risk, but in the current capital market form, if the amount of funds reaches a certain scale, you will be able to win the lottery with a certain proportion of funds, and then make a lot of money.”

   "Do I earn enough money to pay the handling fee?"

"I did some calculations just now. According to the current market conditions, it is enough to pay the handling fee and the interest of the capital allocation. If the market is good, you can make a lot of money. The only risk is that the stocks you buy with the capital allocation cannot fall sharply. , If it falls below the warning line, it will be over. But if it rises sharply, you will make a fortune."

   "Do you think the risk is high overall?" Ding Mu stared at Yan Xinran and said.

   "Based on my judgment on the current A shares, I think the risk is very small, and the profit may be great." Yan Xinran said confidently, "In case of fluctuations, stop the loss and exchange shares in time. Your income is mainly in the new shares."

   "Okay, I listen to you, what should I do next?"

   "I'll take you to find a suitable capital allocation company and be a consultant with a capable trading expert." Yan Xinran smiled relievedly seeing that Ding Mu trusted him so much.

   "By the way, what kind of investment are you doing? Can I invest my money in you?" Ding Mu asked.

  Yan Xinran smiled and said: "I do some futures. The profit is high, but the risk is relatively high. If you miss it, you will be wiped out. If you want to play, you can configure a little bit to gamble."

   "Tell me in detail how to play."

"Okay, it's rare that my handsome guy is interested." Yan Xinran is an expert in futures. Taking oil futures as an example, he explained to Ding Mu in detail how to open short orders, open long orders, positions, move positions, etc. Ding Mu talked about it, and then focused on the factors that affect the rise and fall of oil futures.

Ding Mu suddenly remembered that he had a trump card, so he quickly asked Yan Xinran: "If controllable nuclear fusion has made great progress and can easily replace oil as an energy source, do you think the price of oil will increase?" fall."

Yan Xinran thought for a while and said: "This is indeed bad for oil, especially for future indicators such as futures. But as I said just now, the price of oil is linked to the economy of each country. Even if there are alternative energy sources, now The tens of millions of vehicles running on the road still need to use fuel, which requires a process.”

  Ding Mu excitedly said: "After listening to you so much, I found that you are really talented and know so many things. Can you help me calculate how much money I can invest in futures at most, and the risk is within a controllable range?"

"It depends on how much your expected profit can be calculated. I have to calculate that." Yan Xinran took a pencil and calculated for a while, "Take out about 10 million yuan and take a gamble. A large reverse change needs to be stopped, so it probably won't affect your repayment of the interest. But you can think clearly, in case the stop loss here, the money I may make from the investment strategy I made for you before , I’m afraid there will be none. You have to take huge risks for nothing.”

   "Wealth and wealth are in danger, I will open an order to short oil tomorrow." Ding Mu said excitedly.

"Investing in futures requires a lot of certifications. It may take a while for you to apply for an account. Moreover, domestic crude oil cannot be traded directly. You must go through an agency company. There are many agreements involved." Yan Xin Ran smiled and said, "Don't be too anxious, think it through before doing it."

   "Do you have an account? Just use your account, tell me your bank card, and I will send you money." Ding Mu said loudly.

   "This is 10 million, you trust me so much? Don't be afraid that I won't return the money to you." Yan Xinran pointed his nose at Ding Mu's and stared into Ding Mu's eyes.

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  (end of this chapter)