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Chapter 408 Stock trading?

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    This plan was carefully prepared by him, a detailed plan based on the current situation and future development of Wanhu Bank.

    After a long time, Han Yu stamped the document with satisfaction, and exclaimed, "Yes, this plan is very complete. You are very correct about the development direction and plan of Wanhu Bank. I did not misread the person. It was between you and your father.  I chose you because I hope you can bring some new changes to traditional banks, and now you are doing very well.¡±

    Hearing Han Yu's praise, Shang Wenxin's heart finally fell to the ground.

    "Thank you boss, then I will start as planned."

    "Yes, this kind of micro-lending model of credit cards must be confirmed whether the other party has the ability to repay the loan when it is released, and the contract must be cautious!"

    The plan brought by Shang Wenxin is the credit card plan. Wanhu Bank has implemented a large number of storage plans last year, and this year's plan is to increase business.

    Inspired by bank loans, he thought of a small-amount loan plan. According to Shang Wenxin, there is no need for large-amount loans at present.

    Generally, the bosses who go to the bank for loans are rich people to do business, but except for this kind of people, other people don't need loans, maybe.

    There is no one in Hong Kong and Macau in this market for the time being, and Wanhu Bank can take the lead and snatch the small mortgage market.

    "My current plan is that the initial amount of the credit card issued is only 1,000 yuan, which will be used in the current month and repaid on the 1st of the next month. If it is not repaid on the 1st, interest will be formed. The final deadline for repayment is 20 days,"

    "Our bank will increase the credit card limit according to the credit record of repayment and the fund situation of the people in the class."

    After Han Yu listened and added a few points, the credit card plan was completed.

    "Boss, the batch of gold you asked me to buy has been completed and locked in the bank's safe."

    "You can take care of these small things. Anyway, I have money in thousands of households. You can buy gold when the opportunity is right."

    When Shang Wenxin heard this, the corners of his mouth twitched fiercely. Hundreds of millions of gold is a trivial matter. If you have money, you don¡¯t have to show off your wealth like this!

    "Does the boss have any research on stock trading?"

    After a while, after the formal chat, Shang Wenxin asked suddenly.

    "Why are you asking this all of a sudden?"

    "I'm a little interested in stock trading recently, and I want to try it!"

    Shang Wenxin said with some embarrassment that when he has more money in his hand, he will have the idea of ??making money to make some investments.

    "Then do you know what stock trading is?"

    Unexpectedly, Shang Wenxin asked, Han Yu naturally would not be stingy, and started teaching on the spot.

    "Stock trading is stock."

    "Then what is a stock?"

    Seeing that Han Yu asked these basic questions, Shang Wenxin was a little puzzled, but he still answered seriously, "Stocks are some ownership certificates issued by some listed companies. They are issued by joint-stock companies to each shareholder as a shareholding certificate in order to raise funds and to obtain dividends.  A security with dividends."

    He has understood all these materials, and he will not come over and ask about stock trading if he doesn't understand anything.

    "Before investing in stocks, you need to understand a truth. There is no stock trading in this world that does not lose money. You must be cautious in the process of investing. Also, accept when you see good results, and don't be greedy."

    "Actually, most stockholders are losing money in stocks. There are many stockholders in Hong Kong and Macau, ranging from grandpas and aunts in their fifties and sixties to stockholders who have just grown up. But how many of these people are making money?"

    Shang Wenxin thought about this question carefully and shook his head, "It's less than 10%. It's good luck that one out of a hundred people can make money."

    "Speaking of which, stocks are just some things like 'bonds' issued by some listed companies to raise funds. It is very risky to invest in this kind of thing. Seven or eight out of ten stocks may lose money.  .

    The water here is very deep. You need to understand the market, and you can pick good stocks if you have a vision. There are three types of people who speculate in stocks.  There is one that is directly cannon fodder on the stock battlefield, so you have to think carefully.  "

    "The last person who makes a profit is the owner of the company that issued the stock, so I say so much, I mean you don't need to trade in stocks, you just need to be the boss of the listed company, and you will definitely make a profit without losing money."

    Finally, Han Yu ended with this sentence.

    Shang Wenxin thought about it for a long time and felt that there is no problem. This conclusion is completely feasible. Why bother to speculate in stocks?

      "I know the boss, I will complete the bank listing as soon as possible."

    A bank is an industry, and an industry must have a brand and a good reputation. If the brand is established and the word of mouth is well established, many businesses and customers will naturally come to the door, which is more conducive to the bank's development of more business.

    This means that Han Yu has developed all his companies into the group, and going public is not a lack of money, but it represents more opportunities after listing.

    A listed company and an unlisted company have completely different evaluations, and there will be a big difference.

    Everyone generally thinks that a listed company will be stronger and more secure, and they are definitely willing to do business with listed companies because it is not easy to go bankrupt.

    For example, when a company recruits people, job seekers have a mental assessment. There must be a big difference between working in a listed company and not working in a listed company, even the minimum benefits and wages are very different.

    Another thing is that listed banks can adopt employee shareholding, equity incentives and other models to stimulate employees, so that bank employees feel that working hard is not working for the boss, but that they are also part of the bank boss, and they will be more motivated to go to work.

    For example, the companies founded by Han Yu also follow this model.

    Wang Fuqiang, Xu Wuhua and other group leaders all adopt the shareholder system. These people take the salary commission and have no idea of ??working for others. Instead, they work hard to lead the company to earn more money, and the money they earn is also earned for themselves.

    Shang Wenxin left with confidence and held a meeting when he returned to the bank.

    "You all have a look at this document, the boss has already passed it, and it will be implemented directly tomorrow."

    After finishing speaking, the managers of all departments in the conference room opened the files in their hands.

    There is a plan for the overall project above.

    After reading it, everyone said that this small loan model is completely feasible.

    "There is no problem, I will assign the task now."

    "First, the customer department, investigate the income of all young customers in the past three months, and sort out the customers who are able to afford credit cards and have high turnover. Recently, the customer department has worked hard, and all overtime hours are in accordance with the company's regulations.  Come."

    "Okay, Mr. Shang, we will complete the data collection task as soon as possible."

    The manager of the customer department nodded and agreed, and quickly arranged it, with strong execution ability.  (Remember the site URL: www.hlnovel.com
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