"Why are you all rushing to buy a house recently?"

In the Qianhai headquarters building of the Pengcheng Branch, Li Zehua had just signed the supplementary investment contract approving BYD.

Investing tens of billions every year is not a small amount. The shares are purchased at a discount based on the market price. After reaching 51%, the investment is considered a loan, and the interest rate is increased by 1-2 percentage points based on the financing rate of the same period, which is considered an additional benefit.

It is equivalent to him using his own credit to endorse the company. If he has channels to borrow large loans from banks, negotiate the interest rate and then invest it in BYD, the interest rate spread alone can reach more than 4 points.

To make it even darker, in the future, when the interest rate on retained funds of Internet finance drops to around 2.5%, they will lend it to affiliated companies, increasing the interest rate by 6-8 percentage points based on the financial market financing rate of 1-2% during the same period.

The guaranteed minimum return is also 4.5-7.5%. In the foreseeable future, the retained funds of micropayments will definitely be an astronomical figure. Although they are not your own, it does not prevent you from using them to increase their value legally.

The company needs to find suitable channels for investment to preserve the value of its assets while expanding its influence.

The same is true for individuals.

Just then Wang Fei came running over with an income certificate, eagerly asking for a stamp and signature.

"Boss, we have to buy a house! If we don't buy one, my wife will take away all my savings."

When he talked about this, he burst into tears and almost cried on the spot, "This little income was all lost in the investment of the spendthrift woman. If I don't find a way out, there will be nothing left."

"Wait a minute, aren't you married? Where did your wife come from?"

Li Zehua was very curious and looked at his income certificate for a long time. "Besides, your monthly salary and bonus after tax is only more than 60,000 yuan. You want to buy a house in the center of Pengcheng, and buy two houses at one time?

Is the repayment pressure too great? "

"I've been dating my girlfriend for four years, and we're settling down and planning to get married soon."

Wang Fei was helpless. "I've calculated that if my family can contribute a little to the down payment, and I can borrow a little from relatives and friends, then after taking into account the loss, the rest will barely be enough.

The monthly payment for two houses with a term of ten years is more than 4 yuan, and the rest is just enough for daily expenses. It’s a bit hard, but it’s better than losing money in the financial market.

You don’t know, she took the money and invested it blindly, her analysis was very logical, but the actual operation resulted in a terrible loss.”

Li Zehua was both angry and amused. "Let's not talk about violating company rules and regulations. I'm just curious, how much of your 40 yuan wife capital do you have left?"

“I lost 40% in three months.”

Wang Fei was too embarrassed to see anyone. Ever since he had been following the boss, all kinds of inside information were flying around. In theory, he could make a fortune just by buying things with his eyes closed.

But he can't help having a wife who loves to make trouble. Especially last month, Li Zehua paid out of his own pocket and lent 200 million US dollars each to Wang Fei and other senior executives.

The portfolio was invested in bonds, gold and silver futures, and in just over a month, it earned $450 million, calculated according to the management profit-sharing agreement of 2+20-70%.

Not only can you repay the loan principal, but you can also make some extra money.

But it really stimulated many people. Who would complain about having too much money?
Look, I was quick-witted and tried to get started, but the gold price couldn't hold up at this juncture. It went up from 1200 to 1250, then fell back to 1150, and then began to fluctuate back and forth.

The lowest point was around 1100. The portfolio funds of Qingyun Investment were operated by a professional team, and Li Zehua had foresight and pointed out the general direction.

In the short term, the main focus is on shocks to prevent profit drawdown, buying chips on dips, and doing T frantically. However, the main positions are built near 1100-1150, and short selling is carried out during the decline.

When the international gold price shows a trend of stabilizing gradually, we will buy long-term bullish options through banks and financial institutions, and now the cost of the more than 100 tons of gold purchased in the initial agreement will have been reduced.

Even if the plan is terminated now, the book profit will still be over US$15 billion.

But when it comes to individuals, it is a completely different matter. Once you enter the market with a heavy position using leverage, a single shock often results in a loss of tens of thousands of dollars. How many people can withstand such an impact?

The most frustrating thing is that the price goes back up right after you sell it, which makes you regret it so much that you want to slap yourself in the face.

Last time at my home in Shanghai Bay in Shanghai, Yan Jianmin was a living example of this. Fortunately, the money invested was not much, so he did not feel bad even if he lost money.

Wang Fei deserved his bad luck. He rarely talked about work at home, especially when it came to confidential information, which he kept strictly confidential, for fear of getting into trouble by talking too much.

Only this time did the executives make money from their collective investment, and he mentioned it happily. Unexpectedly, his fiancée took it very seriously, and after asking about the direction of the operation, she immediately invested in it.

The middle class will never miss any opportunity to increase their wealth, and then that’s it.

If she wasn't greedy, who could have taken the money away from her?

One piece of news, hundreds of thousands of RMB disappeared. When Wang Fei received the call, he was completely stunned. It was not that he felt sorry for the money, but the matter itself was very taboo.

Oh, as a close friend of the boss, I heard the inside information and ran to trade. It should have been fine if I made money, but in the end I lost money.

Is it a problem of attitude or ability?

So he hurried here with his income certificate, firstly to admit his mistake and accept the punishment, and secondly, he was really afraid that something weird would happen again, so he might as well listen to his boss and buy a house as soon as possible.

"It's good to buy a house. Nothing is more resistant to inflation than buying a house for investment now."

Li Zehua frowned slightly and shook his head, "But you should also take good care of the people around you and stop thinking about things all day long."

She looked at the rectification plan he submitted and nodded with satisfaction, "Declaration of securities accounts for spouses, parents, and children has always been a rule of the company.

Tell it to people around you and let them operate on your behalf, and the loophole of privately dividing the profits must also be plugged.

As a company grows bigger, any leak of its internal confidential information will lead to uncontrollable risks.

I understand everyone’s urgent need to make money and improve their lives, but as the saying goes, there is no order without rules. If everyone only considers their own personal interests, how can a company operate for a long time? "

Then, he put the plan aside and said, "Send it back to the Shanghai headquarters, and let the Legal Department and the Compliance Department review it. Ask them to help check for omissions and fill in the gaps. If there are no problems, send it to the second-level department management of the branch company and above.

Those not discovered before will be forgiven.

After the notice is issued, anyone who uses company information to conduct any form of insider trading will be handed over to judicial authorities for handling in accordance with the law on stealing business secrets and causing major losses.

Don’t say that the company doesn’t take care of everyone. After Mr. Lin comes back, you and Mr. Yao from the investment company should work out a plan, in addition to the domestic market investment fund with employee shareholding.

Let’s set up another fund targeting overseas markets. Everyone has an exchange quota of 5 US dollars each year, so that’s the limit.

A basic assessment line is set up, with the minimum requirement of being an excellent employee of the branch and a basic manager. Overseas investment is carried out in the name of the company, and the profits are distributed as dividends once a year. "

After Wang Fei recorded everything, he asked, "Chairman, what do you think of the punishment for me?"

In fact, from Li Zehua's personal point of view, this matter doesn't matter at all. Being able to make money is a personal ability, and he doesn't object to people close to him making money through their own connections.

But from the company's perspective, if everyone can easily make excess profits through insider information, who would be willing to work down to earth?

What's more, the interests involved are too great and it is very easy for more serious problems to arise.

For example, if Wang Fei was bolder, he would call Lijiaopo directly to ask for an investment statement and inquire about the next investment portfolio plan in the name of the head office.

Does the branch dare to refuse?

He could easily use his identity to intercept the document, and then find an outside agency to cooperate with. Couldn't he just copy it?
As long as he tastes the sweetness, human greed will prompt him to keep going until he is completely swallowed up by desire.

Fortunately, Li Zehua is usually very generous. Executives of his level have an annual salary of one million, and the value of the options granted is even higher, often calculated in tens of millions. Once the company goes public, it will not be difficult to exceed 100 million.

If you can be promoted to managing director of a subsidiary like Guo Xinyi, and get the management rights of a company with great potential like Qingyun Electronics, you will be rewarded with one or two points of option shares.

It is not just a dream to be worth tens of billions or even hundreds of billions in the future.

Providing high salaries and high benefits naturally comes with high requirements.

Fortunately, Wang Fei came to his senses in time. If he had harbored any selfish motives and wanted to make a profit, the result would have been that he would have been exiled to Africa to mine gold.

Li Zehua is not afraid of them making a lot of money, but they must make clean money within the scope permitted by the rules. Once they exceed the bottom line, it is easy for outsiders to find evidence of their mistakes and use them against the company.

It’s not a big deal for executives to make money. At most, they may not be serious about their work or simply quit their jobs to start their own business. In the future, they can still be friendly competitors and friends when they meet.

But what if you lose money?
Making quick money through insider trading is hard to stop after tasting the sweetness for the first time. Li Zehua himself is still relying on foresight to make money, let alone others.

But inside information is not necessarily accurate, and human greed is endless. If they make money this time, they will want more next time. If they don’t have money, they will borrow money in an attempt to get rich overnight.

If you miss out on something, you will lose all your money and be heavily in debt. This will give people with ulterior motives an opportunity to take advantage of you. Even if you can resist the temptation, you will feel unbalanced and even resentful.

Why should I work so hard for you? You are worth hundreds of billions and have a glorious life, while I have to live in poverty, always worrying about being found out and kicked out?

It is human nature that determines that people will try to shirk responsibility and put the blame on others in order to feel at ease.

It would be like placing a time bomb next to you, and you don't know when a double-death drama will happen. Thinking of this, he looked up at the uneasy Wang Fei and said, "Be careful, is it so easy to make money in the financial market?

However, considering that in this matter, you were able to explain the matter truthfully and actively put forward suggestions for rectification, thus preventing more people from making mistakes in the future and safeguarding the company's interests in disguise, it can be seen that you fully recognize your mistakes.

In principle, we can treat it leniently according to the company's regulations, halve the bonus for the next six months, and deduct three months of basic performance. Do you have any objections?"

Wang Fei had thought it through when he came here and didn't dare to hide it. He didn't know how many people were watching him in his position. Rather than being reported by others, it would be better for him to face it calmly.

Now hearing the result, I breathed a sigh of relief, "Thank you Chairman for showing mercy. I will definitely learn from this lesson and promise not to make the same mistake again."

"Okay, send out the company-wide notice of criticism yourself. Also, go get the note from General Manager Wu Wenhui when you get back. Remember, go when no one is around."

Li Zehua handed him a piece of A4 paper without even raising his head.

Wang Fei was completely stunned when he saw it. "Regarding the outstanding work performance of my staff member Wang Fei recently, I will reward him with an interest subsidy for buying a house under his name. Please handle it at your discretion, Mr. Wu..."

Holding the note, he was so moved that he didn't know what to say, "This?"

Half a year’s bonus and three months’ basic performance deduction will result in a maximum loss of three hundred thousand yuan.

But the interest on these two houses would be at least two or three million!

I immediately had the urge to cry. Where can I find a boss like this?

Every boss will say nice words and make big promises, because the more you work, the more money the boss will earn. In the end, he will give you some melons and two dates as a reward, and even want to make you kneel down to thank him.

What could be more impressive than paying out real money?
"If you make a mistake, you must be punished. If you make a contribution, you must be rewarded. It's just such a simple thing. You have been with me for so long. When have you ever seen me being stingy?"

Li Zehua put away his pen and stretched, "Okay, stop pissing here, you're an adult, but you don't know how to pay attention to your image.

I can tell you, there won’t be a next time. If something like this happens again, buy yourself a ticket to Africa and never come back in this lifetime.”

Wang Fei finally reacted, wiped his eyes and was about to speak.

I heard the boss' voice as if he was talking to himself, "How come Mr. Yu knows so much about this Dongguan Zhaoxu Electronics matter?

He even made a special trip to Dongguan. How much do you not trust me and Mr. Fu?
And the incident with Xiaolin in Yangzhou, Mr. Yu shouldn't know about it, right?"

Wang Fei broke out in a cold sweat, "I'll go check right away to see which bastard is talking too much."

"I have always hated things like snitching, but we must investigate thoroughly and not wrongly accuse anyone."

Li felt guilty and thought that it was fortunate that the guy from Jiaotong University was fine for the time being, otherwise it would be difficult to handle the meeting between the two.

So he asked Wang Fei directly, "Do you think the airline is so good? Why doesn't she listen to my advice and insists on working so hard at that crappy job?"

We are talking about Shen Wanyi, who is no longer a flight attendant and has been transferred to an internal logistics management position. In fact, the management of China Eastern Airlines did not assign her any work, especially since it was reported that Qingyun and Temasek were about to exchange shares.

Temasek Holdings holds nearly 30% of China Eastern Airlines' shares and is China Eastern Airlines' largest external shareholder. Once the two parties exchange shares, Qingyun Group will become its external shareholder in disguise.

How to place Shen Wanyi is not only a headache for China Eastern Airlines, but also for Li Zehua.

Wang Fei understood immediately and patted his chest and said, "Chairman, don't worry, I will take care of this matter. I promise to do it beautifully for you."

"Oh, by the way, where is the house you bought? My brother is also getting married and buying a house soon, so maybe we can be neighbors in the future."

He was talking about his elder brother, who had made a little money recently from foreign trade, not much, but a few million was easy to come by.

He did buy a house in Shanghai for free, but his elder brother was used to living in eastern Guangdong and didn't want to go to Shanghai, so he called to ask for his opinion.

Who is responsible for the thousands of houses under the name of his company? If not him, who else should we look for?

"what?"

Wang Fei was dumbfounded. How could he dare to say that he bought the house just for investment, only considering the location and not considering other things, simply following the company's strategy to make a little money.

He hasn't even seen the house he bought, so how can he say whether it's good or bad?

"Where's the house?"

As a result, two men who knew nothing ran over and saw that the real estate project had set up a super luxurious sales office, but as for the houses?

The roof hasn’t even been sealed, let alone moving in as a wedding house. It’s even questionable whether we can get the keys in another year.

“Is this how it’s played now?”

Li Zehua was speechless. After walking around the sales office, he lost all mood.

When he came out, he kicked Wang Fei and Zhang Tao away and strolled on the street.

In more than a year since he came back, he hasn't wandered around any city alone. When he finally found time to go out, he was too lazy to go back.

When I get tired of shopping, I just make a phone call, "Where are you? Are you still looking for a house? I'm afraid I've messed up the house today, come pick me up first."

On the other end of the phone, Lin Wan hung up helplessly and said to the saleswoman next to her: "Let's do this for now. I have something to deal with. I'll let you know when I decide to buy it."

"Sister, this is our best-selling unit. There are so many people lining up behind us who want to buy it but can't get it.

Since you like it, why don't you pay a deposit to settle it first?"

Lin Wan shook her head decisively, "No need, my husband is the one who makes the decision, let's talk about it later."

Looking at her receding figure, the female salesperson was dumbfounded. She was fine just now, why did she suddenly leave?

But the client was more important than anything else, so I could only wave goodbye and watch her go downstairs and drive away...

"I told you not to contact me for two days, and you really didn't even call me?"

After getting in the car, Li Zehua couldn't help but complain, which earned him a cold stare. He played with the car's interior decoration out of boredom and changed the subject, "How does the house look?"

In the past, the Yao family lived in Pengcheng, Dongguan, and she was unwilling to stay here.

Now the Yao family is ruined, with no one left alive, and Fu Yujie working in Dongguan, she has started thinking about returning to Pengcheng to buy a house.

As for money, she planned to sell the house in Shanghai and buy a new three-bedroom apartment in Shenzhen. It didn’t have to be too big so that she could live with her only relative and have the feeling of home.

Speaking of this, Lin Wan became interested and chattered about the transportation location, nearby medical, educational and living facilities, and the quality and reputation of the real estate company's previous developments.

When visiting the house on site, talk about its structure, lighting, noise, and planned future decoration.

"I didn't realize that you know so much even though you don't have much money."

Li Zehua didn't believe it. "But is it really as good as you say? I don't believe it unless you take me to see it for myself."

Lin Wan was not convinced, so she turned the steering wheel and immediately ran back the way she came, as if to let him see it for himself.

Little did he know that someone had a good plan and bought it. It is a bit small at more than 130 square meters, but the average price of 2.2 yuan is just right for my brother's purchasing budget.

I thought it was good to have someone who knew the business, so I wouldn't have to go through the trouble of picking out a house from a property company and giving it to my brother. At worst, he could just give me a shop of 1,000 square meters as a gift when we get married.

It's just right to open a flagship store of a local fast food restaurant, and collect rent in the future...

As Lin Wan was staring in shock, Li signed the contract at the sales office in one go by swiping his card, but he signed it under his eldest brother's name.

She wanted to cry but had no tears. "This is the house I carefully selected."

Unfortunately, someone completely ignored me, and I had to be a driver and follow the navigation to a manor villa area in the suburbs...

"Isn't it good to live here? Why spend that much money to buy a house?"

Li Zehua stood on the balcony on the fifth floor of the villa, gazing into the distance. The surrounding beautiful scenery was in full view. The nearest neighbors were a hundred meters away and were blocked by layers of trees, so there was no one to disturb him.

I thought to myself, this is what life is all about.

Lin Wan, who was pressed between him and the guardrail window, half-crouched and endured the pressure, finally took advantage of the gap to look up and looked at him hatefully, "No matter how good this place is, it's not my home."

Li Zehua was stunned. He leaned over and whispered something in her ear.

Lin Wan's expression changed instantly, "Really?" (End of this chapter)