After hearing this, Zhou Xiaoqing tilted her head slightly, looked at Lu Yan, and said with a smile: "You haven't thought about it. If you lose everything accidentally, how can you pay me back?"
Lu Yan smiled: "At worst, if I go out to sell... art, I can't lose anything to Sister Xiaoqing!"
Zhou Xiaoqing smiled and said, "With your body like this, it would be a pity not to become a star!"
Lu Yan said: "Yes, it's a pity that my acting skills are not good, I always like to tell the truth!"
Zhou Xiaoqing smiled, "Glib tongue!"
However, she still planned to open a stock account, transfer one or two million into it, and let Lu Yan help with the trading.
At this moment, the stock accounts of Zhou Xiaoqing, Jiang Hongxue, and Fu Junlin are entrusted to Lu Yan.
However, the stock market has corrected recently, and the Shanghai Composite Index has not yet surpassed the previous high of 1,757 points.
Next day, Lu Yan went to Fu Zhuang Asset Management Company, where Fu Junlin had nothing to do and was sitting on the boss's chair stock trading.
Seeing Lu Yan entering the door, he asked: "The market has not been very good recently, has it reached its peak?"
"Small fluctuations, the general trend is still upward!" After Lu Yan said this, he walked directly to the tea table and made tea by himself.
"They say stocks make money quickly, but this isn't very fast!" Fu Junlin stood up from the boss's chair and sighed.
Lu Yan smiled: "Well, compared with Mr. Fu's earning power, it is a bit slow!"
With many contacts, Lu Yan also knew some of this person's ways of making money.
For example, two days ago, we just made a deal. It was a 4S store in another county that wanted a loan. He introduced it to someone else, and once the business was completed, the agency fee was 300,000 yuan.
Of course, compared with the big brokers who make millions or tens of millions per transaction, Laofu only makes a small amount of money, but he doesn't look down on the speed of making money in the stock market.
"Can you help me get a loan?" Lu Yan took a sip of tea and asked directly.
Fu Junlin laughed and said: "You don't have a mortgage, is it difficult?"
"Is this possible?" As Lu Yan spoke, he took out a contract from his bag and handed it over.
Fu Junlin looked at it, flipped through it carefully, and said in surprise: "No, that song that was played all over the streets recently was sung by you?"
"That's right!" Lu Yan took a sip from the small tea bowl and smiled calmly.
Fu Junlin's eyes lit up and he said: "Download the ringtone, although I don't know how much income you can make, but it would be easier to get a mortgage. How much do you want to borrow?"
"Ten million!"
Fu Junlin looked a little confused, "I mean, Xiao Lu, you can't earn this kind of money from this song, right?"
Lu Yan smiled, "Mr. Fu must have heard of "Mouse Loves Rice" and "Ten Thousand Reasons"!"
Fu Junlin touched his hair and said: "I am the only one who calls, and the ring tones are all this kind of stuff!"
Lu Yandao: ""Mouse Loves Rice" was downloaded 6 million times in a single month, and a song worth two yuan means 12 million sales. "Ten Thousand Reasons" was downloaded 15 million times last year!
"
Fu Junlin's eyes were solemn, "The singer won't get much money, and besides, you may not be that popular!"
"It's not far behind. Besides, the loan is feasible!"
Fu Junlin nodded. He didn't intend to lend his money anyway. He just needed to find an employer who believed in the matter and pay an intermediary fee.
Finance is an industry that will suffocate the brave and starve the timid. Because capital pursues profits and has resources at its disposal, it is a test of human nature.
"Okay, let me ask you, but this is your expected return. You can't get the money with a normal bank loan. I will find a small loan company for you!"
"The interest rate is too high, I can't afford it!"
"How much can you give?"
"Two points at most!"
Fu Junlin put down Lu Yan's contract, looking surprised, and said: "You can't get two cents off. This is your expected profit. You can't say how much you will earn in the end. It's really impossible to get it!"
Lu Yan put away the contract and said, "Okay, I just want to ask a casual question!"
"How long do you plan to use it for?"
"One year!"
"That's really impossible!" Fu Junlin waved his hands repeatedly.
Lu Yan sighed: "Then I'll take a look again!"
The small loan industry is very popular, and the interest rate, depending on the loan amount, time, and collateral, can range from 1.5 cents, 2 cents, even 3.5 cents, or even 10 cents per month.
Fu Junlin said: "Xiao Lu, let me tell you this, although you have a mortgage, it can only be regarded as a credit loan, which is similar to a salary loan. And ordinary lending institutions will not allow loans to flow into the stock market at all.
"
Of course Lu Yan knew this truth, but said: "That's not necessarily the case. When the stock market situation improves, there will be many things like allocating funds for stock trading!"
Fu Junlin smiled: "I hope I can get more business that day!"
That being said, I actually don’t really believe it in my heart.
The main reason is that the current market situation has not yet shown the power of making money in the bull market. The Shanghai Stock Exchange currently only has more than 1,600 points, and has not even surpassed the peak of 2,245 points in 2001. Who would have thought that it could reach more than 6,000 points!
After leaving Fu Junlin's company, Lu Yan thought for a moment and called his manager Qu Meining.
"Hello, Mr. Lu, can I help you with anything?"
"In the sales department, apply for a large room for me!"
"No problem, in fact, your assets have already met the standards!"
"Also, does your sales department have capital allocation business?"
"Mr. Lu, we have no related business here for the time being, and the margin trading and securities lending business has not been opened yet!"
Lu Yan smiled, "Xiao Qu, it doesn't matter if you don't understand. Don't answer me in such a hurry. Ask your team manager!"
In fact, from 1993 or 1994 until the end of the last bull market, it was a secret that securities companies provided "overdraft" services to large accounts who opened accounts in the sales department.
The market has been too bad in the past two years, and Qu Meining is new to the job, so she probably has never heard of it.
But she heard Lu Yan's "threatening" tone. If he couldn't be satisfied, he would most likely switch to another company!
Thinking of this, I quickly called my team manager Li Jingchuan. He was thirty-six or seventeen years old and not yet married. He was dry and thin, wore glasses, and had a cunning smile.
"You are a very knowledgeable customer, and you still know how to overdraft with us? Okay, just let him go to the sales department and I'll talk to him!"
"Can our company provide financing to customers?" Qu Meining was extremely surprised. She had only been in the industry for a short time, and she was currently a big customer, Lu Yan. She was really surprised.
Li Jingchuan said: "Don't blame me for scolding you for being stupid all day long. Even if our company is not good, wouldn't it be over if we just change the name? He just wants to raise funds. Can't we just help him find it? Okay, you ask him to find it."
Me!"
But I thought in my heart: "I can still make some money!"
After hearing this, Qu Meining hurriedly hung up the phone and called Lu Yan again, asking him to go to the sales department to discuss it in detail.
Lu Yan was also chatting with Fu Junlin about allocating funds for stock trading, and then he thought of margin trading and its irregular business predecessor "overdraft".
But he is not in a hurry to go there, and plans to chat with several securities firms near the school. After all, with a market value of tens of millions, he is a well-respected big player in any sales department he goes to!