Wang Sifeng and Liu Chang only stayed in Hong Kong for two days. On the night of the 2nd, they boarded a flight back to Yanjing.

Yan Xiaoqin was originally planning to return to Yanjing together, but after Chen Qiaoshan's repeated persuasion, she finally stayed.

Chen Qiaoshan came with a vacation mentality, but he didn't really have much free time.

The six million US dollars paid by Sina have arrived. After deducting Wang Sifeng's dividends, Jifu Asia's usury loans were also lost, and Yan Xiaoqin's part was raised separately, and most of the money was immediately gone.

Chen Qiaoshan only has less than 2 million US dollars left, but fortunately he finally got rid of his debts. In addition to Green Network Technology, there has been no large expenditure in the near future. While he breathed a sigh of relief, the subsequent plan could finally be successfully launched.

…………

Originally, he made an appointment with Chen Qiaoshan to meet on the 4th, but Zhou Zhengning received a notice from the board of directors that he temporarily changed his itinerary and flew to the Japanese headquarters to report his work. Because the incident happened suddenly, the meeting time of the two had to be postponed.

Chen Qiaoshan was not in a hurry. He first accompanied Yan Xiaoqin to visit several famous attractions, and then took the time to go to the UBS Hong Kong headquarters.

"Chen, Moscow intends to fully restore its crude oil export share. Although it is just a rumor at present, it may not be without basis. Today, Brent crude oil closed down 1.42%, which is the fourth failure of international oil prices to hit USD 50."

Although there was no progress, Elliot never gave up on convincing Chen Qiaoshan.

"The market has already shown clear signals, and the forecasts given by major institutions have not exceeded fifty dollars."

"Chan, data shows that the Gulf of Mexico crude oil production capacity is recovering rapidly, and the US crude oil inventory gap is gradually being filled. If the market does not have strong demand supplementation, it may lead to the increased risk of speculators holding large long positions, and high oil prices have the instinct to collapse instantly."

Chen Qiaoshan listened carefully, but never spoke.

He didn't want to watch Elliot do useless work, but he couldn't find a suitable reason to stop it. The British man in front of him was an old fry in the market. Compared with Elliot, Chen Qiaoshan was a pure white dick.

He will not make a deal easily, but he just can't find enough evidence. Instead of finding a clumsy excuse to be exposed, it is better to pretend to be stupid and walk all the way to the dark, which will not cause doubt.

Seeing that Chen Qiaoshan was still calm, Elliot knew in his heart that he had returned in vain this time.

"Okay, Chen, although I can't understand your persistence, I will respect your decision. Who made you the boss?" Elliot was also helpless. Although he was given the title of a private banker, he was doing the work of a housekeeper and nanny. This is the essence of his profession.

This time when he came to UBS, Yan Xiaoqin was also called by Chen Qiaoshan.

He did not inform the reason in advance, and Yan Xiaoqin was just watching the whole process. She didn't understand international crude oil futures at all, but seeing Chen Qiaoshan's confident appearance, she was also frightened.

Yan Xiaoqin knew very well that the option transaction had now earned nearly 10 million US dollars. Faced with such a large sum of money, Chen Qiaoshan was indifferent. This style alone made people have nothing to say.

Brent crude oil price closed down 1.42%, and Chen Qiaoshan suffered a significant loss. Every cent drop in oil price means he lost 11,000 US dollars.

Today alone, Chen Qiaoshan lost 770,000 US dollars on the books.

This is compared to yesterday's market. If you choose delivery today, you can still make a profit of more than 9 million US dollars. Of course, these are all paper wealth.

That was 770,000 US dollars, which was more than 6 million yuan in RMB, which was more than the first prize of a Double Color Ball. If it were others, they would have jumped a long time ago. Chen Qiaoshan was able to be at ease with the loss of hundreds of thousands of US dollars a day. With this calmness alone, few people could match it.

Yan Xiaoqin was very satisfied with staring at Chen Qiaoshan and watching him chatting and laughing, and she did not misunderstand the person.

Over the past year, the two have experienced some things together. Seeing Chen Qiaoshan transform from dullness to maturity, Yan Xiaoqin's original love even gradually grew into admiration, but she never said it.

She knew that as a lover, this kind of emotion was a bit abnormal, but the fact was there, and she could still be calm when facing huge amounts of money. Apart from the man in front of her, she might never find another one.

...

The performance of private banks is actually difficult to guarantee, but the advantages are still very obvious.

Through private banks, you can invest in hedge funds that ordinary people cannot access, and there are a wide variety of products to choose from. The most important thing is that private financial consultants can provide various latest investment ideas and can also learn about the market trends as soon as possible. This is what Chen Qiaoshan values ​​most.

To give the simplest example, private banks can allocate investment portfolios of various corporate bonds.

Interest rates are related to risks. Corporate financing bonds are at higher risk than government bond issuance, and the interest rate is naturally higher. According to the rating, it basically starts with the bank's loan interest rate.

Of course, there are also those that are lower than the bank's interest rate during the same period. The corporate bonds are face-to-face interest rates, and the subscription price is sometimes lower than the face-to-face value, resulting in the actual interest rate being much higher.

Taking HNA as an example, the annual interest rate of Hong Kong's three-year corporate bonds in 2015 is around 6.5%.

Private banks can provide low-interest mortgage loans, with the pledge rate generally around 60%, and the financing interest rate can reach 1%. If it doubles, there is no problem with the annual return rate exceeding 10%.

This is just a face-to-face interest rate, and it is an investment product with relatively small risks. The greater the risk, the higher the returns.

Chen Qiaoshan came today mainly to help Yan Xiaoqin open a financial account. Private banks also have risks. Not one or two people were cheated. Just like before, he only planned to use UBS's channels.

"Eliot, my girlfriend is also planning to open an account on UBS. What discounts can you offer?"

The British man glanced at Yan Xiaoqin and asked, "How much money is Miss Yan going to invest?"

The conversation between the two brought Yan Xiaoqin's scattered thoughts back. When she heard Elliot's question, she was about to answer, but Chen Qiaoshan said first: "One million."

Yan Xiaoqin looked at Chen Qiaoshan in surprise. One million Hong Kong dollars or RMB is not enough for UBS's starting investment point, and that can only be US dollars. She hurriedly said in Mandarin: "Where do I have one million? Didn't Sina only give one phase of funds?"

"Don't worry, I will make up for your part in full, so you don't have to worry about the performance terms."

Yan Xiaoqin was about to refuse, but then stopped. She had already figured out that Chen Qiaoshan was willing to settle it in advance, so why should she be pretentious? Anyway, the money was there, and she had no room for spending money. If there was any need in the future, she would give him some supplies.

Elliott couldn't understand Chinese. After the two of them finished their communication, he said, "Chan, we treat all our customers equally, you can rest assured."

Chen Qiaoshan didn't believe the promises of the foreign devils at all.

Even high-end customers of private banks are divided into different levels, and the measurement standard is the amount of capital, which is cruel, but it really exists.

"This part of the funds will be invested in the mainland stock market. I am also planning to mortgage some money to raise money. What do you think is the interest rate is more appropriate?"

After thinking about it, Elliot had an idea, "Chen, we are friends, we will definitely give you the best interest rate, US dollar loan of 1.5%, RMB 1%.

Chen Qiaoshan shook his head and asked again: "Where is the custody fee rate?"

Elliot smiled and said, "1.5%, this is the market price."

UBS is the first QFII institution to participate in China's securities investment, and is also the largest overseas investment institution. It accounts for more than one-fifth of the total foreign investment scale, with its highest strength.

In Yan Xiaoqin's opinion, things are obvious and choices should be made easily.

The two people in front of them were as petty as a vendor, competing for interest and repayment methods, but in short, they did not stop.

After a long debate, Chen Qiaoshan made an unexpected decision. Instead of choosing a lower interest rate RMB, he chose a US dollar loan.

Yan Xiaoqin couldn't figure it out. Anyway, it was in the A-share market, so why bother taking US dollars to borrow? Not only did you spend tens of thousands of interest in a year, it would be even more troublesome to deal with it.

At this moment, Yan Xiaoqin didn't ask too much, and if there were any questions, he could only wait for him to explain privately.

"Chan, this is a pledge loan contract. You can take it back and check it out first. If there is any problem, we will communicate."

"OK." Chen Qiaoshan took it and stuffed it into his bag.

Elliott tapped his finger on the desk and said, "By the way, Chen, I have two invitation letters. Aren't you and Miss Yan on vacation in Hong Kong? I'll give this opportunity to you."

“What invitation letter?”

Those who can deal with Elliot must be worth a lot of money. Private banks often hold high-end cocktail parties or dinners, which also provides customers with an opportunity to broaden their connections.

"There is a dinner at the Peninsula Hotel, Chen, tonight's banquet is hosted by the Kadori family. If you are interested, you might as well go and have a look. Maybe you can meet some interesting people."

Chen Qiaoshan became interested. The Kadoli family, Jardine Map, HSBC and Swire, were known as the four major British consortiums in Hong Kong, and their strength was extraordinary.

Yan Xiaoqin suddenly asked: "Peninsula Hotel? Is that Peninsula Hotel in Love in the City?"

"Yes, it's the Peninsula Hotel written by Zhang Ailing." Chen Qiaoshan was a little curious, "Have you read this novel by Zhang Ailing?"

Yan Xiaoqin glanced at him without saying a word, as if she was very dissatisfied with his underestimation.

Chen Qiaoshan smiled. It seemed that she had really read this novel.

The love described in Zhang Ailing is mean. Being able to stay together may not be able to withstand the storm. Being able to experience life and death together but not being able to withstand the dullness of life. What kind of entangled attitude towards life is this.

According to Zhang Ailing's idea, men like to teach good women badly and take pride in saving bad women from the fire pit. Yan Xiaoqin has read novels and doesn't know what kind of experience it will be. If you look back, you may have a private chat.

It can be seen that Yan Xiaoqin is very interested in Peninsula Hotel.

Chen Qiaoshan accepted the invitation letter and this is the second time he has come to Hong Kong. It is really unreasonable not to go to the Peninsula Hotel to see it. Besides, this is also an opportunity to expand your network and should not be missed.
Chapter completed!