"There's no need to be in such a hurry, you can come over tomorrow." Su Xing said.

"That's it for today. I don't have any classes today or tomorrow. You can explain things to me a little bit tonight, and then I can officially start working." Xiang Wan sat in the back seat, "You concentrate on driving, we'll be here later.

Then we can talk in detail."

Xiang Wan also brought a notebook with her, and she wrote and drew in it.

Seeing her persistence, Su Xing didn't say anything more and sent the people nearby to the subway station. Su Xing drove Tong Wangjun and Xiang Wan back to the courtyard.

"You two are chatting while I go make a pot of tea and wash some fruits." Tong Wangjun entered the house, put on his slippers, took out some fruits from the refrigerator, and went to the kitchen.

"Sit down, don't be so formal, it's not your first time here." Su Xing greeted Xiang Wan and sat down in the living room, "Tell me about your responsibilities first. The main thing is to help me convey my orders and give some of my requests and replies to you.

Pass it to the people below and ask them to comply with my request. The other one is to remind me that I may forget some things. You have to remind me what I need to do later and help me arrange the itinerary in the most reasonable way.

."

The main reason why Su Xing went to his secretary was to ask him to convey the instructions to him, so as not to make phone calls one by one, which would be too tiring and troublesome. Xiang Wan also needs to supervise Xiang Wan on how well the people below implement Su Xing's instructions.

.

"No problem, this is simple." Xiang Wan nodded.

"Wait for me, I'll get a document." Su Xing went to the study and got a document, then came out and gave it to Xiang Wan, "There are some contact information in this document, please write it down."

The document is not an important document. It contains the contact information of important company leaders such as Yan Zhiqin, Su Yujin, Zhang Jinsong, etc., as well as some of the company's main business directions and financial issues.

"Eat some fruit first." Tong Wangjun brought the fruit cut into pieces and placed it in front of Xiang Wan, "Eat something."

"No, thank you." Xiang Wan opened the file and read it carefully.

Su Xing picked up a banana and took a bite.

"This banana is not bad. It must be eaten immediately when it is ripe. It will spoil in two or three days."

Su Xing did not disturb Xiang Wan, but waited aside, drinking tea and answering Xiang Wan's occasional questions.

Sitting at this angle and looking at Xiang Wan, it is completely impossible to tell that Xiang Wan is still studying. People who don't know think that she has already left the society and is working.

Mature, serious and energetic.

Very good quality.

"I've read it all and made notes on the important parts. I won't take this document with me." Xiang Wan was very measured. She closed the document and put it back in front of Su Xing. "When I was looking at the document just now, I noticed that you

The main industries under his name include the following aspects: catering, Internet, real estate, and the wine and entertainment industries."

"Yes, it's mainly business in these industries." Su Xing nodded, "The Internet and real estate are the future development trends. Both industries can bring huge profits. If you have cash on hand, you can buy a house first.

"

"I heard what you said from Yang Yixin. She told me that you always tell them to buy a house when they have money." Xiang Wan said with a smile, "Are you so optimistic about China's real estate market?"

"Being optimistic is not necessarily a good thing, it's more of a helpless thing. I don't want the country to make real estate a pillar industry, but real estate can contribute to GDP without spending much effort. Just mortgage loans and land sales." Su Xing sighed.

He has talked about this topic with many people around him. Leverage can make the market look very prosperous, but when the leverage becomes larger, it will easily form a bubble, which is not a good thing for the country and the people.

Xiang Wan looked at Su Xing, still a little confused.

"Let's take a house as an example. Three or four years ago, the house price in Jiangcheng was only about 2,000 yuan. Now it has risen to four or five thousand yuan. It has increased several times and will continue to rise. Banks have also relaxed in terms of loans.

"Many." Su Xing said, "Whether it is lending to ordinary people or lending to real estate developers, it is much easier than before. The result of this is that there are many people who want to invest.

Real estate owners don’t have enough funds, but they can get loans from banks and invest in the real estate industry. Why are these real estate owners willing to take risks to get bank loans, buy land and build houses? Isn’t that just to make money? Real estate developers want to make money.

, to repay the bank loan and interest, he must make money. Where does the money come from? It must be from the house, and the house price will definitely get higher and higher."

"The bank acts as a leverage here. Suppose you have 100,000 yuan in hand. Under normal circumstances, you can only buy things for 100,000 yuan. But when buying a house, you can make a down payment of 100,000 yuan and a loan of 300,000 yuan.

, bought a house worth about 400,000 yuan, relatively

Equivalent to using 100,000 yuan to buy something that actually costs 400,000 yuan. This is the leverage effect. The bank provides leverage. Although you still have 300,000 yuan to pay back to the bank, when you buy a house, you use 100,000 yuan.

Get a house worth 400,000 yuan at a price of 10,000 yuan.”

"Isn't this a good thing? It gives some people more choices. If they can't get a loan from the bank, they may have to save for several years before they can save so much money to move into a new house." Xiang Wan

He said, “Banks lend money to real estate developers, and real estate developers want to get returns from consumers, which will definitely increase housing prices.

However, there must be a dynamic balance in the number of people willing to buy houses, and the number of houses will form a balance with the number of people. When the number of houses reaches a certain level, supply will exceed demand, and housing prices should level off. Real estate has indeed developed a lot in recent years.

It’s amazing, house prices have also risen quite sharply, but they won’t be able to rise in a few years.”

Su Xing smiled, shook his head, took a sip of tea, and poured a cup of tea for Tong Wangjun and Xiang Wan.

"What's wrong? Am I wrong?" Xiang Wan asked.

"According to normal logic, it is indeed your prediction that supply exceeds demand and housing prices should fall. But this thing is different from agricultural products. There are more agricultural products. Things that could be sold for two or three yuan the year before last may be sold for five yuan this year.

You can't sell it for even 60 cents. If it falls, it will fall. It won't have much impact on the country. The farmers can still have something to eat.

You can't starve to death, but real estate is different. There is a bank behind the real estate. What kind of unit is a bank? It is a state unit. If the bank goes bankrupt, can the national economy still be stable? The bank lends money to those real estate developers. If real estate development

The merchant cannot recoup the cost and cannot repay the bank, think about the consequences?" Su Xing said.

"The country will never allow this to happen, so housing prices will only rise less sharply instead of falling. Housing prices will not fall until alternative real estate industries emerge."

" Food, clothing, housing and transportation are the basics. If housing prices are too high, people's living standards will definitely drop. It will be very tiring to spend hundreds of thousands of yuan to buy a house." Xiang Wan said.

"Hundreds of thousands of yuan?" Su Xing smiled, "You are still too young. Hundreds of thousands of yuan is relatively low. A house really only costs a few hundred thousand yuan. Most people can still get it if they work hard.

, the key point is that many houses may end up costing several million, tens of millions, or even over 100 million. Even in a small county in the 10s, a house will cost millions."
Chapter completed!