Vol 3 Chapter 632: True pioneering spirit

Chain Reaction is not a big bank. Its business is basically concentrated on this planet, and it has just begun to try to expand to other galaxies. In their own words, that is, the business outside the galaxy is developing rapidly, and the growth rate far exceeds that of the major banks. Although this is true, it is quite moist. The reason for the 100% growth in the business outside of the galaxy was the increase from one branch to two.
Chu Jungui didn't care whether their extragalactic business was big or small, as long as they had it. There is a business, even if there is only one branch, it also means that the bank has the qualifications for the entire federal inter-stellar interbank system transaction.
This time, Chu Jun was greeted by a senior manager of the bond department and her entire team. Her ebullient introduction lasted for half an hour before it came to an end.
Chu Jun returned to ponder for a moment and said, "I heard that you are a bank with a truly pioneering spirit."
"Exactly!" The female manager smiled like a flower.
"Having a pioneering spirit, according to my understanding, it means..." Chu Jun returned to a pause and swallowed his'willingness to take higher risks', and replaced it with'willing to obtain higher returns'.
The female manager completely agreed: "This is the key to our growth rate far exceeding the competition."
Chu Jungui said, "Can I know how many bonds you and your team have issued in the past three months?"
The female manager smiled reservedly and said: "Speaking of this, I am afraid you will be impressed. In the last quarter just ended, we issued a total of more than 200 million bonds, accounting for 40% of the entire department."
Xi Nuo suddenly lost interest, this is a very small bank, even though the name is very explosive. Those real Big Macs may issue tens of billions of dollars in a single bond.
But Chu Jungui was not disappointed, and said: "Now let’s talk about our cooperation. You should know that we have just successfully issued two bonds with Hengyuan and the Blazers, but to be honest, I have a little confidence in you. "
The female manager smiled stiffly, and hurriedly said: "Our scale is indeed not as good as Hengyuan, but we can provide you with tailor-made financial products! These products..."
"Where is the product?" Chu Jungui asked.
The female manager gritted her teeth and stood up, saying: "If necessary, I can design now! The whole process takes roughly one week."
It's okay for Chu Jun to return, but the team members behind the female manager are a little disturbed whispering. The female manager turned around and yelled: "Shut up! One week has been so much time, you can even sleep for an hour and a half every day! It doesn’t matter if you do it slowly, I’ll apply for doping for you. The one that doesn’t sleep for a week is free!"
All the employees were silent, staring at the table in front of them, not daring to touch the eyes of the female manager.
"In fact, it doesn't need to be so troublesome. I have already designed the product. See if it can be used." Chu Jungui sent a series of materials.
The female manager opened it and saw that the smile on her face was stiff, she saw a little sweat on her forehead, and said: "This amount seems to be a little..."
"This quota can increase your performance this quarter by 400% compared to the previous quarter, and your net income may exceed 1,000%." ​​Chu Jungui said calmly.
"But..." The female manager shook her head with some difficulty, and said, "The support of Hengyuan and the pioneer is not enough. You need more collateral, or..."
Chu Jungui looked at her and suddenly said, "What if it is 400 million?"
"400 million is not a big problem." The female manager was obviously relieved.
"Okay, let's discuss the remaining 600 million. I can provide some additional orders as a guarantee, but these orders are not as stable as before."
The female manager took the order information, read it carefully, and said, "The customers of these orders are all star thief?"
"Yes. It's just that some of the customers for this batch of orders are not in the Federation, so you haven't heard of their names. Others are relatively small, so their ability and scope of business development are limited. The last one is On the Federation’s Wanted List, it seems that it may be completely wiped out."
The female manager's expression remained unchanged, and she continued: "It is true. If you issue bonds with this order as a guarantee, the rating will be much lower than your previous two bonds, and not as good as the previous 400 million level."
"What is the specific level?"
"The highest grade is naturally the national debt issued by the dynasty and the federation, which we call the risk-free grade. Then some large companies such as Deep Space Energy, the Federal Bank, etc. issue level 1, while Star Control Industries issues level 2. Galaxy grade is issued at level 3. So the first 3 levels can be included in investment grade, and individual grade 4 bonds with particularly good quality can also be included in investment grade." The female manager explained in detail.
"In other words, my first two debts, including your 400 million, are level 4? The remaining 600 million is level 6?"
"Yes. Level 6 is junk."
Chu Jungui asked: "If these bonds have buyers, would you be willing to raise their ratings?"
The female manager gave Chu Jungui a deep look and said, "Of course not! But we can try to restructure them."
"Reconstruction?" Chu Jun did not understand.
"Yes, similar to this..." The female manager quickly picked out a few copies from Chu Jungui's order and put them together. There is one level 4 order, 3 level 5 and 1 level 6 order. "If these orders are issued separately, the rating will not change. But we bundled them together. Because the distribution area of ​​the order subject is different, the business scope is also different, which effectively diversifies the risk~www.mtlnovel .com~In other words, their ratings will rise."
The female manager quickly constructed a new model, and the rating obtained was: Level 4.
"It's impressive!" Chu Jun praised.
"This is where you need us." The female manager looked proud.
"Then this one billion is okay?"
The female manager was taken aback and hesitated. Chu Jungui said, "I can be responsible for the sales of 300 million yuan, but the condition is that you are responsible for the underwriting of the rest, just like Hengyuan and the pioneer."
The female manager finally made up her mind and gritted her teeth and said: "No problem!"
When Chu Jungui walked out of the door of the Chain Reaction Bank, a notification sound was sent to his and Sinoe's personal terminals. Sinoe rubbed his eyes vigorously, looked at it several times, and then said, "That's the one billion?"
"995 million." Chu Jungui corrected.
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