Urban: Becoming a principal from a junior college!

Ye Chen undoubtedly has high hopes for the students majoring in finance in the college.

Apart from other things, his own college alone has a steady stream of funds to manage every year.

If the money is left there, it will continue to depreciate.

If you can make profits through financial investment and operation, you can resist inflation.

In addition to the college's own funds.

Ye Chen has not yet decided whether to absorb funds from outside.

Financial investment is not the more money the better.

On the contrary, the more money, the harder it is to guarantee a rate of return.

For example, in the stock market, if you only have 100,000 stocks, then selling them all will not affect the stock price.

But if you hold 1 billion stocks, then you have a huge impact on the market.

If you want to run, there will be countless retail investors following you, and you will not be able to make profits as easily as before.

This is why Buffett can be called the stock god.

Buffett controls such a huge amount of funds every year, and he can still maintain a high growth rate every year. It is indeed amazing.

...

But whether to make money with retail investors will be discussed later.

Ye Chen decided to see if he could bring in investment funds for social security and medical insurance.

On the one hand, once the two funds are managed, although it is impossible to be all the funds.

But it is equivalent to having a bigger backstage.

If you make too much money and get jealous, you can also have a stronger backing.

After all, Tianhai City is only a provincial capital in the central region, and its strength is still a little lacking.

If there is a stronger backstage, the subsequent development will undoubtedly be more guaranteed.

Secondly, if the medical and social security funds can have a higher return on investment.

That will definitely be a good thing for the stable development of the entire society.

After all, only when the medical insurance and social security funds are large enough can ordinary people work with peace of mind.

Instead of working without motivation every day, worrying about what to do if there is no money one day.

Of course, the business involved in Xingchen Financial Company at that time is not just financial investment.

In Ye Chen's plan, there is also insurance.

The domestic insurance industry can only be said to have an outrageous reputation.

It may be a bit exaggerated to say that this and that are not compensated.

But it is absolutely true that these insurance companies are trying their best to dig pits for customers.

I bought a critical illness insurance, and I clearly saw that there was a certain disease in it, but I couldn't get compensation after it was diagnosed.

After a closer look, I found that the regulations even detailed the status and special types of the disease.

In short, most of the time, if it was really diagnosed, it would not be compensated.

If you make trouble, at most, the money you previously insured will be returned to you.

There are also various deposits that have been inexplicably fooled and turned into buying insurance.

But the yield is pitifully low, and some are even less than 2%.

Even more outrageous, the insured person has to be insured continuously until he is 90 years old before the money can be returned.

And the salesperson also said a lot of nonsense when selling insurance at their instruction.

When it comes to the actual claim, the insurance company will not admit it and ask you to go to the salesperson who sold the insurance in the first place.

It can be said.

The various weird operations in the domestic insurance industry are simply outrageous.

Ye Chen believes that insurance itself is a good thing.

Because in this era of increasingly developed industrialization, no one can guarantee that they will not get sick.

No one can guarantee that they will not have accidents.

If an accident happens, the medical expenses will be tens of millions, which ordinary families cannot afford.

If there is an insurance at this time, it will undoubtedly be a life-saving dawn.

It can save a person's life and save a family.

But the domestic insurance industry really only wants to collect money and does not want to do anything.

This leads to a vicious cycle. Ordinary people think insurance is a scam and don't want to buy it.

And if insurance companies can't sell insurance, they can only advertise, recruit salesmen, give high commissions, and spend a lot of money on publicity.

The remaining money is not enough. If more compensation is paid to customers, it will lose money.

Then they can only refuse to pay and dig holes.

Then ordinary people will be more disgusted.

But the insurance industry itself is a high-profit industry.

Since other companies are not human, they don't make good money but have to do crooked ways.

Then we should take the responsibility to make this money.

As for whether we can get the trust of ordinary people?

Ye Chen thinks this is too simple.

Because the greatest wealth accumulated by Xingchen Academy so far is credibility.

Never cheat people.

It’s not that the principal of Xingchen has not made mistakes, but Xingchen College has always investigated them clearly, admitted them, and then compensated.

Such a college, such a company.

If it is invested in the insurance industry, how can people not trust it?

Of course, insurance is certainly not that simple. You can just make a serious illness insurance and set a price.

Any insurance product needs to be supported by a data model.

Data modelers need to make unified calculations based on various factors such as population, incidence rate of a certain disease, age of onset, regional incidence rate, etc.

Finally, design an insurance model that can guarantee profits.

Simply put, it is an insurance for a certain disease, and if it occurs, it will pay 100,000.

Based on big data, the insurance company calculates that the probability of onset is 1%, and the older the age, the higher the probability.

Then the pricing of insurance needs to ensure that the premium paid by 100 people is greater than 100,000.

Otherwise, it will lose money.

At the same time, the older you are, the higher the premium will be.

Otherwise, you will lose money.

This is the big model of insurance.

Of course, this is just the simplest one.

Real insurance is far more complicated than this.

And it's not just insurance that needs a big model, some investment products also have big models as support, otherwise how can you guarantee profitability and profit?

And the Xingchen College's finance major has an actuarial class, and the knowledge that students learn is specifically responsible for this.

This is also why many students do not participate in investment and find a group to join.

Because what they learn is not investment, but data analysis.

Therefore, Xingchen College is fully capable of getting involved in the insurance industry and designing insurance that can make money without cheating, achieving a win-win situation with customers.

And the insurance industry is an absolute cash cow.

Huge potential.

This is absolutely top-notch for Ye Chen, who still has countless outrageous majors to exchange.

For example, next year, Ye Chen plans to open a computer major.

On the one hand, Xingchen College is now expanding its stall, and it needs an excellent internal system to communicate smoothly, so that the college's industries complement each other and become more competitive.

It is difficult to find ready-made software outside, and it is subject to others.

For example, the industrial design software used by the Xingchen Academy factory is all from abroad.

If it is sanctioned one day, it will be useless.

Therefore, Xingchen Academy needs its own computer talents for its future development.

In addition to computer majors, Ye Chen also plans to open an agricultural major this year.

After all, no matter how prosperous the industry is, agriculture is still the foundation of everything.

If there is not enough food to keep people well fed and clothed, everything is vain.

Of course, the main research direction of agriculture now is no longer a simple increase in production, but to cultivate better varieties.

For example, more delicious fruits.

Grains with better taste.

Vegetables with richer nutrition.

And behind these, there are huge interests.

For example, the Sunshine Rose grapes cultivated by the island country are very popular. When they were first listed, they even cost six or seven hundred per kilogram in China.

The benefits are so huge.

Another example is durian. Because of the requirements of the growth environment, it is not easy to grow in China and it depends entirely on imports.

So the selling price is thirty, fifty, or even hundreds, and a durian costs hundreds or thousands.

Even at the cheapest time, it costs 21 kilograms.

And this 21 kilograms is not all durian meat, on the contrary, most of it is shell.

It is even more expensive.

If we can research a variety suitable for domestic cultivation, it will definitely allow more people to enjoy durian freedom.

Not to mention that if it can be grown in China, there is no need to pick durian in advance for transoceanic transportation.

Instead, wait for the durian to mature naturally before picking it, and the taste is undoubtedly better.

And this major also has a coordinated effect on its own cooking major.

For example, whether a dish is delicious depends not only on the chef's cooking skills, but also on the quality of the ingredients.

And many fruit varieties in China now have compromised for the convenience of transportation, and they don't taste like they used to.

Tomatoes don't look like tomatoes, and apples don't look like apples.

These fields still need to be developed.

Ye Chen is even considering whether to open a livestock major.

If cattle with pig meat yields can be bred in the future, wouldn't it be possible for beef freedom in China?

And these industries related to people's livelihood have huge profit margins.

...

Ye Chen doesn't want to exchange too many majors.

The prices are also high.

So although Ye Chen doesn't cheat money, he still cares about making money.

In this case, Ye Chen is determined to win the investment industry and the insurance industry.

Since you can't do it, let me do it.

Let me tell you how to make money while standing.

...

Ye Chen is full of fighting spirit.

Chu Guang, a student majoring in finance at Xingchen, also returned home happily after class on Friday.

He plans to show off to his father.

Chu Guang is a local of Tianhai City.

He lives in the city center of Honggutan. He is not a rich second generation, but he is quite rich. His house is more than 200 square meters.

It is said that among the owners of the community, there is also a celebrity named Deng from Tianhai.

But Chu Guang has never seen him.

After returning home, Chu Guang planned to show off his achievements to his father.

By the way, give his father some advice.

When Chu Guang was in high school, he started to use his New Year's money to speculate in stocks.

At that time, I admired my father very much, because although he was not good at it, he always spoke very well.

So when my father pointed fingers, Chu Guang would always listen humbly.

Then the New Year's money was gone.

This time, Chu Guang decided to let his father know what a real stock god is.

When Chu Guang returned home, his parents had already returned.

But his mother looked very angry.

And his father looked embarrassed.

"Mom and Dad, what's wrong with you?"

Chu Guang asked curiously.

Seeing that Chu Guang was in a much better mood, his mother still said unhappily: "Your father lost money in this investment again, and lost a full 400,000 yuan. It's okay to lose money in stocks every day, but now he dares to play futures. He simply doesn't want to live anymore."

Hearing this, Chu Guang widened his eyes. Lost 400,000 yuan?

Although his family is rich, 400,000 yuan is not a small amount of money.

It's almost half a year's annual salary for his father.

After hearing this, Old Chu lowered his head with an increasingly awkward expression.

Chu Guang thought of the recent wailing in the investment market, and couldn't help but ask: "Dad, are you also doing crude oil futures?"

Old Chu was even more embarrassed to speak.

"Dad, did you invest 60,000 US dollars?"

400,000 RMB is almost 60,000 US dollars.

Old Chu shook his head: "No, I invested more than 30,000."

Chu Guang frowned: "How about more than 30,000..."

However, Chu Guang reacted halfway through his words.

It is estimated that his father invested 30,000 US dollars, and then the sunk cost was too high, and he still fantasized that it would go up. In the end, the price of crude oil was negative, and he owed another 30,000 US dollars.

His father, this is really a loser.

The most important thing is that he is a loser and doesn't listen to advice.

It is really hard to bear.

But Chu Guang still cares about family harmony.

Soon he told his parents the good news: "Mom and Dad, we have made so much money. The bonus I will get at the end of the semester will definitely be more than 400,000."

"When the time comes, I will give the money to my family, just as if I have made up for the deficit."

Because Chu Guang's family is rich and he is an only child, he doesn't care much about money.

As for dividends, it is not exaggerated. Today's stocks are still rising. Before, they followed the banker to grab the cake, and this time the futures market operation.

The scale of funds held by their group has been getting higher and higher.

And the fund operation is obviously not over.

The classmates are still constantly collecting information and looking for suitable investment opportunities.

As long as there is no overturning next.

Then as the scale of funds increases, they will only make more in the future.

So Chu Guang is particularly confident.

Hearing this, Chu Guang's mother showed a relieved smile on her face.

She didn't care so much about money.

What she cared about was her son's performance. After her son entered Xingchen Academy, he was really excellent.

Being a big shot in the stock market and competing with the banker for meat is much better than her husband who gives money to A-shares every day.

This family finally has someone who can make her worry-free.

Thinking of this, she became more and more annoyed with her husband and couldn't help but say, "Old Chu, you will also be speculated in the stock market in the future. Go out to eat and drink more, otherwise our family's wealth will really not be able to hold on..."

Chu Guang nodded in agreement.

His father has made too many contributions to A-shares, it's time to retire! (End of this chapter)