Confessions of a Salesman

Chapter 967

I asked in amazement: "What sanctions? Why?"

Mr. Ma sighed and said, "All the topics discussed today revolve around the topic of anti-monopoly and protection of consumer rights!"

I thought for a while and asked, "Is this a targeted issue? You didn't know it beforehand?"

Mr. Ma hummed and said: "Yes, I don't know anything! Originally, I thought it was just to talk about the world's economic structure in the next few years, the mode of industry competition, and also wanted to see how the big wind blows? But I just came up. Such a targeted topic, I have an ominous premonition! This is going to start to move me!"

I asked worriedly: "Is this a tentative talk, or a warning talk?"

Mr. Ma shook his head and said: "I'm not sure yet! However, what we can know is that our next move is definitely not to go! This is also good, and it has strengthened my determination to be an industry!"

Then he said to the Chief Financial Officer: "Shaxi, you go back immediately, you don't want to participate in this meeting anymore, there is no point in staying! The Watson Financial plan will be shelved immediately, and the other two fund holding matters will be put aside for now. .The charity fund party next month will be bigger. If there are any donations or charity activities in China, you must participate with a high profile, and don't be afraid to spend money!"

Shaxi nodded, and didn't say anything to Mr. Ma, but said to me: "Mr. Chen, I agree with your speech today, and hope to work with you in the future!"

I froze for a moment, but before I could answer him, he had already walked out.

I looked at the background of Shaxi and asked suspiciously: "What does he mean? I don't understand?"

Mr. Ma smiled lightly and said: "I don't understand him either. I don't usually talk much. I guess I recognize you! Let's study it and follow-up work!"

I hummed, knowing that I should immediately enter the role, and asked, "I heard that you were very nervous about Watson's financial plan just now, may I know what the specific plan is?"

Mr. Ma said with a faint smile: "Do you still remember the inside information I disclosed to you before?"

I nodded and said: "Remember, you said that the country's money is tightened and bank loans are controlled."

Mr. Ma hummed and said, "So, let yourself have a large amount of liquidity in your hands, which is convenient for investment and borrowing, right? You want to do some investment projects that were difficult to get involved in before and earn some loan interest!"

I answered frankly: "Yes, it is indeed a lot of income. When everyone else is short of money, if you have money, naturally money can generate money better!"

Mr. Ma nodded with satisfaction and said: "You have done a good job. My Watson financial plan is actually similar to yours, except that my amount is much larger than yours! Since the country has no money, it can be loaned out. , then I will replace the national financial institutions and set up my own lending platform to serve companies and projects that need funds."

I said loudly: "Are you trying to replace the bank? However, the country's approval policy for private banks is very strict, and even not approved! It is almost impossible for you to establish a private bank! This also violates the National financial policy! Aren’t you just usury in disguise?”

Mr. Ma shook his head and said: "Private banking is of course not feasible, but we can set up investment funds, securities and other situations, and we can also use bank guarantees to set up third-party financial institutions to lend to companies and individuals in need! The profits are natural It is lower than that of the National Bank! As long as the platform is large enough, our credit evaluation score in the bank will be high, and we can take out the money that others cannot get from the bank! The current banking mechanism is not about who has money Just lend it to whom?"

I wondered: "How can the bank lend you money and ask you to lend it to others? They won't lend money to others themselves? Why do they need to go through you?"

Mr. Ma explained: "You go to the bank to borrow 3 yuan, do you think it can be lent to you? Do you still have to take your monthly income certificate, go to your company unit to stamp it, and then review it Huh? In addition, if you want to cash out, the handling fee will make you bankrupt! We are different, no matter how much money, as long as you have a good reputation, we can lend it to you!"

I shook my head and said, "You borrowed the money, can you still get it back? Those who borrowed 3 yuan are mostly people with little money. It's a bit difficult!"

Mr. Ma continued to explain: "This is our advantage. We are a big data platform. We can judge whether they are customers with good reputation based on their usual income, consumption and other information, and whether they have the ability to repay? Our The data platform is not owned by banks, or they can’t do it, and they don’t dare to do it! We evaluate it based on the customer’s usual consumption and income, which is more accurate and timely!”

I thought for a while and said, "Isn't it? I think your rhetoric is a bit far-fetched! No matter how authoritative your data is, how can it be more authoritative than the national system? There must be something tricky in it!"

Mr. Ma looked at me and said with a wry smile: "It seems that you can't hide anything from you! Think about it, if the bank lends you 1000 yuan, and you lend it to another person, he can't pay it back. I want it from you! But the same bank lends you 1000 yuan, and you lend it to 10 people. If all 10 people can’t pay it back, will the bank still find you alone?”

I hummed and said, "You are the intermediary guarantor, or an intermediary, of course I'm looking for you, even if you lend to 100 or 1000 people, the bank still has to ask you for money!"

Mr. Ma continued: "If I say 1 people, what about 10 people? What if I borrow not 1000 yuan, but 10, 100 million, 1000 million, or even 1 million? The bank will not Urging me to pay back the money, I have to find a way to help me pay back the money! Because the bank knows that I can make money, and earn more than them! In this day and age, the one who owes money is Huang Shiren, and the one who borrows money is Yang Bailao!"

I sighed and said, "But the money you borrowed will eventually be repaid, right? I don't believe that you can repay the money you borrowed!"

Mr. Ma smiled and said: "This is the problem of probability! I have calculated that according to our current loan amount and interest income, as long as 70% of the loan can be repaid, we will make a profit without losing it! More than 80%, our money It can be doubled! The most important thing is that once the whole system is running, it will be like a perpetual motion machine, which will never stop. Once it stops running, I will not be the only one who suffers. It’s that simple! Another point, Once we raise funds and go public, no one will look bad at this kind of iron plate company like a bank, and the blind will know that our stock will only rise, not fall!"

The more I listened, the more frightened I became, I waved my hands and said, "Mr. Ma, it's not that I don't trust you, but I feel like you're empty-handed! I always feel that making money has to be real. When the money comes out, it is not so easy to save time and effort to earn money! Borrowing chickens to lay eggs is not impossible, once or twice can be done. If there are too many, no one is stupid! Not to mention the country's chickens, which are still Don't provoke me so easily!"

Mr. Ma suddenly laughed and said: "Your metaphor is good! The territory of our country is originally a chicken! Your concerns are also my concerns, so I asked Shaxi to stop the Watson Financial Plan. This game of chess Every step is carefully, and there is no room for mistakes in any step. If you take a wrong step, you will be doomed. It is not my own doom, but it involves the destruction of our entire interest group, and it will never turn around! This conference is a very Dangerous warning signs, we must be vigilant!"

I sighed and said, "So, you should do more charitable activities now, and donate the extra money if you can. You must not give people the illusion that you are being rich and unkind! Many entrepreneurs are like this, In the name of giving back to the society, in fact, everyone knows what kind of small calculations are being made! Then you can build several nursing homes, orphanages, charitable welfare institutions, reasonable tax avoidance, or the property under your name, buy an extra piece Land, build a few buildings, add some real estate, even if one day your business collapses, you can still rely on these real estate to turn around!"

Mr. Ma gave a thumbs up and said: "Smart! You don't need to be thorough! But all of this must be based on the premise of an economic foundation, and you still have to be rich! My biggest problem now is that I have money, but there is no reasonable This requires your help! I want you to find an industrial company as soon as possible, the best manufacturing company, and a project that is strongly supported by the state. Find a way to actively fight for it and put it into production as soon as possible, so that the state can see that we can It's not just for fun, it's a huge contribution to the national industry!"

I thought for a while and said: "I said, these things don't happen overnight! It doesn't mean that you can do it if you want to! Even if you don't care if you make money or not, you still have to be close to it! You can't let others see it. You are desperately investing in a business that is not profitable, but you are either stupid or out of your mind! Who will trust you in the future!?"

Mr. Ma waved his hand and said: "I don't care about this! That's your business. If you want money or someone, I will give it to you at any time! As long as the policy allows, I don't care what you do! Shaxi and I have agreed, 5000 Funds below [-], you can call them as you like, without going through me! During this period of time, I may have to go abroad for a trip, and it is not certain when I will come back!"

I curled my lips and asked, "You don't mean to run away and leave me here as your scapegoat?"

Mr. Ma pointed at me and said, "Even if we want to find a scapegoat, I won't find you. I'm not belittling you. You don't have the qualifications! Do it well. You have nothing to do with the financial company. It is also my business! You just need to be a good industrial company! In the end, I have to rely on you!"

I grunted and said, "I see! Actually, I'm not very short of money right now, and I don't need to mobilize you in terms of funds. It's just that you have some connections, and you can borrow them from me! Especially the upper-level connections! There are people who can handle things!"

Mr. Ma nodded at me again and said, "You are too good at calculating! Don't get involved with me, and use my contacts to make money for yourself! How can there be such a good thing in the world?"

I smiled awkwardly and said: "Let me know so quickly, I am your person, it is inconvenient to handle things! Why don't I do things in silence first, and when things are basically settled, we will formally establish the relationship. Isn't it better? I don't want to draw a line with you, but once I label you, many things will not be as easy to handle as I imagined!"

Mr. Ma hesitated for a moment and said, "That's fine! Anyway, I'll leave you a way out, if, I mean if one day..."

I hastily said forcefully: "I will definitely help you make a comeback! Today's love is not shallow to me! If you can talk about this, I naturally know the seriousness! Although I am a bit of a rascal , but what you said still counts!"

Mr. Ma smiled and said: "Of course I believe this! Otherwise, I would not look for you! And Huahua, please leave it to you! His parents are not in the country, and the chance of coming back is very slim. If, I really If something goes wrong that day, she will be the only one you can rely on!"

I frowned and said, "Aren't you okay? Why did you start to explain the funeral! I'm bah! Bah! Bah! Good luck! Huahua is a talented person, I will train her well! Maybe A few years later, another MCA will take off!"

Mr. Ma laughed out loud after hearing the name, but there was a bit of helplessness in his smile.

The meeting continued. I don't know where Mr. Ma went.

Many people left after the first meeting. Ever since I saw He Jie, I knew that I must meet Wei Hua. I was not afraid to meet him, but I felt a little disgusted and didn't bother to talk to him.

But everyone who should meet will meet, needless to say, He Jie must have told him, as soon as he has a meeting, he comes straight to me.

Seeing him smiling like a flower, I had no choice but to greet him with a smile and shake hands.

Wei Hua said with a smile: "Mr. Chen, do you have so much time? I guess you usually have nothing to do at home? I wonder, how did you get in here? Why can you get in anywhere? Are you a rat? There's a hole, and you can get in!"

I smiled and said: "Where you can come in, what can I not get in? I'm actually quite curious, what is your identity in the end? A member of the board of directors of Wanzhong Group? To put it this way, I am also qualified to come in Ah, I am also a member of the board of directors of Wanzhong. Or you are the chairman of Weihua Group? As far as I know, Weihua Group is not even counted as a shoe lifter in these enterprises? I don’t know, who is the gangster? Did you come in? Oh, I remembered, it must have been Dong Zong who brought you in, Dong Zong lacked a bag, where is she? Why didn't you hold you well and let you come out and bite people?"

Wei Hua put away his smile and said, "Why do you start swearing at the street like a bitch? You are becoming more and more unqualified now!"

　The recent chapters all involve sensitive topics, although I don't know what they are?I apologize again for the inconvenience of reading and the displeasure caused to everyone!

　　
　
(End of this chapter)