Starting with a fully invested A-share portfolio to become a capital...

Chapter 60 Research Reports Earn Over 10,000 Yuan a Day
"Thank you so much, Xiaolong. How about we go grab a bite to eat together?"

"I won't eat. Two more clients are coming later. Let's not be so polite with each other, we're all family."

"Then I'll treat you to dinner again later."

"I will definitely come."

After a brief exchange of pleasantries, Tao Yuang and Zhang Xiaolong left Hongyue Investment and went to a mid-range restaurant for lunch.

Because it concerned his future, Tao Yuang reminded everyone during dinner: "Be careful with leverage, it's easy to lose everything."

"I will proceed with caution."

Zhang Yang nodded in response.

After they had eaten and drunk their fill, the two drove directly back to Shanghai University of Finance and Economics.

……

After nearly two and a half hours of driving, as they approached the school, Zhang Yang glanced at him and said, "Senior Brother Tao, please stop at the Construction Bank ahead. I need to go in and take care of some business."

“No problem.” Tao Yuang was very familiar with Wudong Road and knew there was a bank up ahead.

Not a moment.

The BMW M3 was parked in front of the Wudong Road branch of China Construction Bank.

"I won't go in with you; I have things to do at the company," Tao Yuang said, watching Zhang Yang unbuckle his seatbelt.

Zhang Yang: "Okay, thank you for your help today."

"It's nothing."

Tao Yuang didn't care at all.

He doesn't ask for anything now, he just hopes that Zhang Yang won't go all in with leverage. If something really goes wrong, he doesn't know who to ask to make a research report in a short time.

After the experience of using leveraged financing, Tao Yuang realized that he could not rely on Zhang Yang and that he had to immediately build his own market research team.

"I won't bother Senior Brother Tao any longer, goodbye."

"Goodbye."

"Bam—"

Zhang Yang closed the car door.

The BMW M3 roared to life and sped away like a silver lightning bolt.

After watching the other person leave, Zhang Yang pushed open the bank door, took out his ID card to get a number, and then waited in the lobby.

While waiting for his number to be called, he took out his Nokia phone, switched it from silent mode to ring mode, and then checked the SMS message indicating that his account had been credited to his account.

[尊敬的客户，您尾号2389的建行账户于2009年4月23号9点32分收到华国币90元（大写：玖拾元整)转账汇款，可用余额40114元，备注：QQ号109…859。]
[尊敬的客户，您尾号2389的建行账户于2009年4月23号9点40分收到华国币90元（大写：玖拾元整)转账汇款，可用余额40204元，备注：QQ号122…877。]
……

[尊敬的客户，您尾号2389的建行账户于2009年4月23号9点44分收到华国币90元（大写：玖拾元整)转账汇款，可用余额40294元，备注：QQ号158…999。]
Looking around, all I see are text messages announcing monthly payments for market research reports.

Since he started driving into Hangzhou, Zhang Yang's phone had been vibrating non-stop, so he simply put it on silent to avoid disturbing his business.

Now that the leveraged financing matter was settled, it was past 3 PM. Taking advantage of the free time, he planned to adjust the bank's SMS notification limit to avoid receiving too many SMS messages, and also to pay He Jing her service fee.

According to Zhang Yang's rough estimate, at least 130 people paid him 90 yuan today, which is 11700 yuan. This part is risk-free income and is considered a safety net.

What is the purpose of the safety net funds?

To put it bluntly, it can help you make a comeback after a margin call!

Individual investors without a stable source of income are easily driven to suicide because they have no ability to withstand risks.

"Ding dong!"

"Please, number 0104, proceed to window number 2 to complete your business."

Upon hearing the announcement of his number being called, Zhang Yang put away his phone and quickly walked towards window number 2.

Seeing someone sit down, the female bank teller at the window glanced at Zhang Yang and then asked, "Hello sir, what kind of business do you need?"

"Adjust the limit for SMS notifications of incoming funds to 500 yuan," Zhang Yang said succinctly, handing over his bank card and ID card.

"Hold on."

After a series of taps, the female teller looked at Zhang Yang and said, "Please enter your bank card transaction password at the machine next to you."

"Okay." Zhang Yang typed in the correct answer.

Not a moment.

The female clerk then completed the changes.

"Okay, your SMS payment limit has been adjusted. Do you have any other services you would like to process?"

"Please transfer another sum of money for me."

Is it a change of industry?

"From the Agricultural Bank of China."

"For interbank transfers, we will charge a 0.5% handling fee on the total transfer amount, with a maximum of 50 yuan. You can fill out this form..."

"Fine, let's just withdraw the cash."

Zhang Yang interrupted her. He forgot that in 2009, banks had not yet reformed their transfer systems, and at that time, whether it was a transfer to another city or another bank, a high handling fee was required.

It wasn't until the rise of third-party payment platforms, such as Alipay and Tenpay, that the five major banks—Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Bank of Communications—announced on February 25, 2016, that they would waive transaction fees for both interbank and intercity transactions, and would also waive transaction fees for domestic RMB online banking transfers and remittances under 5000 yuan.

Only those who have experienced it know how expensive the transaction fees were before the bank transfer system was reformed!

The transfer fee of 20,000 yuan was 50 yuan. It wasn't that Zhang Yang couldn't afford it, but he felt it was unnecessary. In 2009, 50 yuan was enough for him to eat breakfast for more than ten days.

"Twenty thousand. Please count it carefully. We are not responsible for anything after you leave the counter." The female teller handed twenty thousand yuan in banknotes to Zhang Yang through the lower window.

After counting them and confirming that the number was correct, Zhang Yang said, "Get me a black plastic bag and two pieces of waste newspaper."

"..."

The female clerk remained silent for a moment, but still did as instructed.

Leaving aside her proficiency, she was quite afraid of young people in their early twenties because they knew a wide variety of things.

If she makes a phone call to complain, she'll lose her 200 yuan performance bonus, so the female teller doesn't dare to gamble.

After receiving the newspaper and plastic bag, Zhang Yang carefully wrapped up the 20,000 yuan and put his ID card and bank card into his pocket.

As he was leaving, something occurred to him, and he asked, "By the way, do you know of any custom-made Western-style clothing shops nearby?"

"Forehead…"

The female clerk thought for a moment, then shook her head and said, "I don't know."

"Thank you for bothering me."

Zhang Yang didn't ask any more questions.

Because he had never indulged in luxury consumption in China in his previous life, he didn't know where there were high-end boutiques selling Western-style clothing in Shanghai.

Many people may not know why other people look so good in suits, making them look great, while when they wear them, they either look like an insurance salesman or a real estate agent.

This is because others are wearing haute couture, while ordinary people are wearing mass-market sizes.

High-end custom-made suits are made based on a person's shoulder width, body proportions, and other data.

For example, if someone has uneven shoulders, a high-end custom-made suit will pad the lower shoulder to visually balance the shoulders.

This is somewhat similar to hairstyles. It's said that a man with a buzz cut is truly handsome, but not every man can pull it off. John Lone, with his hair slicked back and slicked back with hair gel, transforms into an Asian god of beauty. But if he shaves his head, he'll only be considered average.

Zhang Yang asked the female clerk, thinking that since she had met so many people, she might know which high-end custom tailor shops had good quality suits. He wasn't in a hurry to have a suit custom-made, so he took the money and returned to Shanghai University of Finance and Economics.

……

Upon arriving at the girls' dormitory building for investment studies, Zhang Yang called He Jing.

Not a moment.

The call was answered.

"Hey Zhang Yang, what's up?"

Are you in the dorm?

"Yes, I'm organizing market data."

"I'm downstairs in your dormitory. Put down what you're doing and come down to get the money."

"Withdraw money?"

"Labor costs for producing research reports."

After Zhang Yang explained the situation, He Jing quickly went down to the first floor of the dormitory.

Zhang Yang didn't waste any time, handing her the black plastic bag containing the money and saying, "Twenty thousand yuan. Give me the remaining two research reports as soon as possible."

"oh oh."

He Jing nodded blankly.

She was somewhat taken aback, because 20,000 yuan was a huge sum for a student. She had thought that Zhang Yang was just making empty promises and that he would give her at most 10,000 or 8,000 yuan for the research report after the deal was done.

did not expect.

Our boss is so arrogant and brutal!
"If the numbers are wrong, contact me anytime. I'm going back now." Zhang Yang turned and left.

If you want a horse to run, you have to feed it grass. Now that the market research report VIP group is on track, he needs He Jing to produce research reports in a timely manner.

"and many more."

He Jing suddenly called out to Zhang Yang and asked the question that had been troubling her for a long time: "Government unit or Huaxin Securities, Zhang Yang, what should I choose?"

Zhang Yang stopped and turned around to reply, "You already have the answer in your heart. Now you just want me to confirm your choice. There's no need for that. Just follow your heart."

The words fell.

He turned and left.

Looking at Zhang Yang's retreating figure, He Jing suddenly felt enlightened and realized the truth.

If she is still hesitant when a second option appears, it means that the second option has limited appeal to her, because she would usually go all in without hesitation if she found a choice that she approves of both physically and mentally.

It's made it into the top ten of Qidian's new book chart! Thank you so much to all the readers who have supported it. I've been spending the last week competing for recommendations and using megaphones, so please keep reading! Thank you so much!!!
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(End of this chapter)