The investment era of rebirth

Chapter 93 Bridge Loans
In his patient waiting and contemplation.

The time passed at 9:45, when the three major indexes of the Shanghai Stock Exchange Index, the Shenzhen Index, and the ChiNext Index fell close to 1% again, and the major concept sectors of the two cities showed a sluggish posture. After the hand exceeds 18%, it will be listed on the board cleanly, achieving six consecutive daily limit.

Su Yu saw that after the stock price of Steel Union in Shanghai Stock Exchange hit the daily limit, within ten seconds, the daily limit order quickly advanced to about 10 lots. Knowing that there would be no twists and turns at this daily limit, he stopped paying attention.

Then, he turned his eyes away from the stock market trading interface, and scanned the main hot money group and classmate group he had added.

I saw that the topics that everyone was talking about, except for the Shanghai Steel Federation, were basically complaining about the difficult market, getting caught when making a move, etc., which were similar, so they didn't pay much attention to it.

"Su Yu, are you really going to start a company?"

Just when Su Yu was about to close the chat box, He Qian sent him a message on the chat software: "Li Meng told me about your plan and persuaded me, but I always feel a little unbelievable, your development It's too fast!"

"The company has been registered." Su Yu replied, "Everything Li Meng told you is true. If you think it through, come here. In terms of treatment... Anyway, as long as the company does not collapse, it will definitely not be treated badly. You, as for development, we can only improve together.”

"No problem, I have promised Li Meng." He Qian said without any hesitation.

Su Yu was a little surprised when he heard this, and replied: "That's okay... You are welcome to join 'Yuhang Investment'. At the end of this month, the company should be able to officially operate. If you can arrange it, you can do it as soon as possible." Prepare."

"Okay!" He Qian replied, "But I have a sister who also wants to change jobs. Just the girl we had dinner with when you came to Shanghai last time, just don't know if your boss will accept you? She currently has There are still a few small projects under negotiation, but it is estimated that, like the 'Mihayou' project, it will be difficult to pass the company's risk control review."

"Okay!" Su Yu had some impressions of the person she was talking about, "Now the company is in the early stage of start-up, and it is the time when there is a shortage of people. Don't talk about bringing a person, even if you take your company's venture capital If the department is hollowed out, I will also accept it."

He Qian said with a chuckle: "Boss Su is arrogant, but... I don't have the ability to hollow out the entire venture capital department of our company. Well, I won't tell you... I will resign in the afternoon. , if my guess is right, the manager should approve it, after all, the market is not good now, and the company is also reducing the cost of employment, I wish we low-level employees could self-retire."

After speaking, the pair went offline conveniently.

Su Yu thought about the company's team members, who had grown stronger, and felt very happy. He was thinking of contacting Qin Haowen and asking him about the recruitment of other executives.

At this time, before he could dial the number, a call came in.

Su Yu took a look and saw that it was Shi Yuling's call, so he couldn't help but connect.

"Hello, Brother Su Yu, are you free at noon?" Shi Yuling asked on the phone.

Hearing her question, Su Yu couldn't help but chuckled and said, "What's the matter? You want to treat me to dinner again after you've been paid?"

"It's not me!" Shi Yuling replied, "Our boss, Mr. Li, wanted to invite brother Su Yu to dinner. Mr. Li called you just now, but he didn't get through, so he asked me to call."

"Oh!" Su Yu knew that his mobile phone was set in the mode of rejecting calls by strangers, so he didn't care, and said with a smile, "Boss Li is looking for me, maybe there is something wrong?"

bother you for something.

Speaking of which, he had only met the other party once, and it had been more than a month since the last incident. When the other party thought of him at this time, it was definitely not out of politeness, and most likely asked him for something.

Shi Yuling paused, and replied, "I don't know either."

"Okay, I should have time at noon. You ask Mr. Li to send me the location of the meal, and I will go there later." Su Yu knew that Shi Yuling was a messenger, so he must not know anything. He pondered for a while, thinking For Shi Yuling's sake, Mr. Li would not waste much time after a while, so he agreed.

Shi Yuling responded, and then hung up the phone.

Then, after a few minutes, Shi Yuling sent him a message about the location of the restaurant.

Su Yu glanced at the time and saw that it was almost ten o'clock, so without delay, he turned off the computer, cleaned up, changed his clothes, and went out.

Because the car was driven out by Li Meng to go through the company's various permit procedures.

So, he came outside the community, took a taxi there, and didn't send a message to Li Meng.

And when he arrived at the restaurant where he was eating and entered the box, he saw that besides Shi Yuling, the core figures of their company, such as President Li and Director Fu, were all present.

"Mr. Su, please sit down!"

Seeing Su Yu coming, Mr. Li hurriedly stood up to say hello himself.

Su Yu nodded slightly, then sat down beside Shi Yuling, and asked with a smile: "I'm really flattered that Mr. Li put up such a big battle to welcome me today!"

"Where, where..." Mr. Li said with a chuckle, "Mr. Su has a relationship with our 'Yichuang Planning'. Last time, he said that he would invite Mr. Su to dinner. We have a good gathering, getting to know each other, and I didn't think about the company's affairs. It’s too much, and it’s really my fault that it dragged on until now.”

With that said, he poured himself a glass of wine, and punished himself in front of Su Yu.

Seeing his humble attitude, Su Yu felt even more puzzled for a while, and asked, "Mr. Li, I don't like to go around the bush very much. Let's have dinner, but we have to speak clearly. My sister is in your company. Work, during this period of time, I also know that Mr. Li and everyone have taken good care of her. If Mr. Li needs my help, you can just say it. I will definitely not refuse if I can do it. There's nothing I can do to help."

"Mr. Su speaks quickly, he is a cheerful person."

Mr. Li praised him, paused for a moment, and said, "I heard that Mr. Su and Mr. Qian have a very good relationship."

"Mr. Qian?" Su Yu was stunned for a moment, completely unaware of how the news reached Mr. Li's ears. After all, Mr. Qian, he only met recently, and the other party...according to him As far as I know, based on the industry that the other party is engaged in and invested in, it seems that there should be no business relationship with a company like 'Yichuang Planning'. I can't help but ask, "Where does Mr. Li know that I have a good relationship with Mr. Qian?" ?”

"Last week, the banquet at the Crown Hotel..."

Mr. Li didn't speak, but the vice president of Yichuang Planning next to Mr. Li continued the conversation: "I was there at the time and saw some of Mr. Su's actions at the banquet, but Mr. Su probably has no impression of me. , after all, in the eyes of people like you, we are just transparent characters."

Su Yu glanced at the other party lightly, and really had no impression of this person.

Seeing that Su Yu didn't know him, Mr. Li hurriedly introduced: "This is my business partner Zhou Yang, Mr. Zhou."

"Oh!" Su Yu nodded slightly, "It turned out that Mr. Zhou was there that night, no wonder..."

After a pause, Su Yu said again: "Boss Qian and I only met once, but because he thinks highly of him, he gave me a little favor. I'm afraid it's hard to be of any help."

"Mr. Su is too modest, but it's actually not a big deal."

"I believe that the relationship between you and Mr. Qian is just a matter of one sentence.

"The specific thing is..."

Seeing Su Yu's refusal, Mr. Li hesitated for a moment, and hurriedly explained the whole story: "We borrowed 1100 million bridge funds from a loan company that Mr. Qian invested in. It was originally agreed to return the principal and interest within [-] days. But because we used this bridge fund to clear out the bank loan, the new bank had problems renewing the loan, and the money was not put down."

"Hey, speaking of this..."

"I don't know what happened to the bank recently..."

"All bank loan approvals have become many times more difficult now. With the same qualifications, no matter how you rely on the relationship, you just can't get it approved."

"At present, we don't have that much liquidity at all, which can be used to repay the loan."

"Moreover, once the company's existing liquidity is withdrawn, there will be huge problems in the company's operations."

"We have tried our best to apply for new loans from various banks, and we are also looking for loans from other institutions we are familiar with. However, according to the current situation, it is estimated that it will take at least half a month or a month for new loans to be approved and released. time."

"So, we would like to invite Mr. Su..."

Mr. Li almost begged: "See if you can talk to Mr. Qian in private for the sake of taking care of Xiaoshi, and give us another ten days or half a month. As long as you can give us a little more time, Even if the new loan cannot be released, I will find a way to raise money to pay it back.”

Su Yu didn't expect that the President Qian he met was actually involved in the 'financial loan' industry.

What's more, before the central bank explicitly tightened monetary policy, the phenomenon of "money shortage" in banks had already been revealed at this time.

"Eleven million bridge loan funds."

Su Yu pondered for a moment, whispered something, looked up at Mr. Li, and said with a smile: "Mr. Li, this is not a small sum. Let's not say that my relationship with Mr. Qian is not as good as you think. The overall relationship is considered good, do you think a word from me is worth 1100 million yuan? And you want me to talk to Mr. Qian about loan forgiveness... Do you really think it is a matter of one word?"

"Well, even if I can help you extend the loan period."

"What if you don't make it to the ten days or half a month you promised?"

"Eleven million principal, plus interest, a lot of money. Do you think that when you break the contract, the money will always continue to ask you for money and ignore me, or will I be counted?"

"In other words..."

"Mr. Li, you are not asking me to help you, but you are asking me to take the blame for you."

Mr. Li saw that Su Yu made the point clear, and smiled awkwardly. His face was very ugly, but in order to let Su Yu help, he coughed lightly, still with a smile on his face, and said: "Mr. Su is worrying too much, no matter what Is it me, Li Huiyuan, or the corporate credit of our "Yi Chuang Planning"? From the moment our company was founded, there has been no stain in terms of credit. I admit that this is not a small matter, but for Mr. Su ...Actually, it's not as serious as what Mr. Su said, give us another half a month at most, and we will definitely be able to raise money."

"I think Mr. Li might be confused." Su Yu said with a smile, "It's not about whether you can raise money in the next fifteen days."

"But if I agree to you and intercede for you, then I will become your guarantor in disguise."

"In my opinion, you are trying to use my credit value in Mr. Qian's eyes in exchange for your overdue consequences."

"In other words, if I promise you, from this moment on, your 1100 million overdue loan will also be on me."

"Let's not talk about the relationship between me and Mr. Li, and your 'Yichuang Planning'."

"Even if the person you are looking for is a close friend of your President Li and a close partner in your 'Yichuang Planning' business, I am afraid that no one else will take such a guarantee risk?"

When Mr. Li heard Su Yu's words, he hesitated for a while, and suddenly understood the key point of the conflict between the two of them.

Although the other party has been emphasizing the issue of 'sharing risks', they have not explicitly refused to say 'I have a bad relationship with Mr. Qian, so I can't do this'.

This shows that Mr. Zhou's feedback is correct.

The other party does have a good relationship with Mr. Qian, and is capable of guaranteeing their 'Yichuang Planning', and is capable of helping them solve this imminent matter.

Of course, how to get the other party to agree, and what conditions you can give to the maximum.

This is still key.

"Mr. Su, our 'Yichuang Planning' is only having some problems in cash flow, but the internal business operation is normal and is developing at a high speed. Although 1100 million is a lot, it is still in view of the current value of the entire company. , It’s really not a big deal.” Mr. Li pondered for a while, and continued to say seriously, “We also know that although this matter is a shared risk for Mr. Su, please trust us, Mr. Su, we will never Drag you down."

"Also, as long as Mr. Su can tell Mr. Qian, he can help us extend the loan period by another half a month."

"We can give Mr. Su a guaranteed remuneration of 50 yuan."

"50?" Su Yu smiled contemptuously, and said, "President Li underestimated me!"

Seeing the contemptuous look on Su Yu's face after hearing the 'guaranteed remuneration of 50 yuan', Mr. Li knew that this person was indeed as he thought, a person with a profound background and good eyesight.

He couldn't help thinking for a moment, and was about to propose new conditions.

At this time...

Su Yu glanced at Shi Yuling, then paused, and couldn't help but continue: "If Mr. Li insists, for Yuling's sake, I can try to give Mr. Qian a word for you, and try my best to help you. The loan period has been extended for half a month, but at the same time as I gamble on my credit, I also need Mr. Li to use his 50% stake in the 'Yichuang Planning' company as collateral for the credit guarantee. In my hands, if half a month later, your bridge funds are still not paid, and the loan equity is transferred to me, the guarantor, then the 50% equity interest will change hands, and 'Yichuang Planning 'The control of the company has naturally changed hands."

"Li is always the actual controller and founder of the 'Yichuang Planning' company."

"If you are courageous and dare to take this risk of betting to save the company, then I can guarantee it for you and intercede with President Qian."

Hearing Su Yu's request, all the people in the 'One Creation Project' were silent for a while.

Among them, Li Huiyuan's face was even more ugly.

Although the current economic environment is not good, and corporate financing is particularly difficult, but with the current business development capabilities and business revenue scale of 'One Chuang Planning', in the venture capital market, the valuation of 4500 million is worthwhile.

With the 1100 million bridging loan deferred guarantee, Su Yu wanted to seize 50% of the equity of 'Yichuang Planning', forcing Li Huiyuan to gamble to rescue the company.

This made Li Huiyuan feel a little insulted, but there was nothing he could do for a while.

The 1100 million that the company borrowed from Qian Zong Loan Company was guaranteed by him in his own name. If the loan is not paid, the consequences... will not be as simple as simply being overdue.

At that time, not only will his company be unable to continue operating, but it will completely change hands.

I'm afraid he himself will have to pay some price that he can't bear. After all, it is not so easy to get a loan from a private institution above tens of millions.

"Mr. Su..."

Li Huiyuan pondered for a while, and was about to test Su Yu's bottom line again.

Su Yu interrupted him directly, and continued to smile and said: "Mr. Li also said just now that I am a fast-talking person and can't turn corners. This is my condition. Mr. Li dares to bet, so I am naturally willing to take the risk and pay for it." Boss Li gambles together, if Boss Li doesn't dare to gamble himself, and pulls others to gamble, doesn't it seem that Boss Li is too double-standard and too much?"

Saying that, Su Yu stood up with a smile, and was about to pull Shi Yuling away together.

Today is different from the past. He has already established a rough foundation in Yuhang. Naturally, for a boss like Mr. Li, he doesn't need to give any face.

Even if the other party is furious, no matter how uncomfortable he feels, there is nothing he can do about it.

As for Shi Yuling...

With his current network and accumulated capital, where can he not go after leaving the 'Yichuang Planning' company?
"Mr. Su..." Seeing Su Yu's resolute attitude, Li Huiyuan knew that it would be unrealistic to discuss other conditions, so he couldn't help but sighed, and said, "Then we can only ask Mr. Su to help us." Chuang Plan' has passed this calamity, don't worry, within half a month, we will definitely pay back the money, so as not to cause any drag on Mr. Su."

Seeing that the other party agreed, Su Yu sat down again with a slight nod of his head, and said with a smile: "Since Mr. Li has such courage, then I will naturally carry out what I just said."

With that said, Mr. Li took the initiative to stand up and expressed his thanks to Su Yu.

Afterwards, a table of people ate lunch happily. In the afternoon, Li Huiyuan sent the completed agreement documents, signed and stamped, to Su Yu.

After the other party fulfilled the conditions he said, Su Yu also called Mr. Qian as promised.

Under Su Yu's guidance, Mr. Qian has already made nearly 300 million more profits from the Shanghai Steel Federation, and he heard that Su Yu has seized 50% of the shares of "Yichuang Planning", plus the "Yichuang Planning" After repaying the bank loan, the planning company's net assets are worth 8 million, not to mention that it has signed so many graphic models in the market, so it took less than 30 seconds to sell it. Su Yu extended the repayment period of Li Huiyuan and 'Yichuang Planning' company by 15 days due to Su Yu's favor.

"Then thank you, Mr. Qian!"

Hearing Mr. Qian agreed to postpone, Su Yu smiled and said: "Next time, I will treat Mr. Qian to dinner."

"Brother Su, to be honest, have you taken a fancy to the company 'Yichuang Planning'?" Mr. Qian could smell something else from Su Yu's words. Well? That thing, apart from being useful for controlling companies, has little liquidity and cannot be exchanged for cash in the current primary market."

Su Yu said with a smile: "'Yichuang Planning' has entered the industry track of e-commerce services, grasping the resources of graphic models on the one hand, and expanding the operation and planning of e-commerce brands on the other hand. It is the right way, and the scale has also grown. With a certain first-mover advantage and a moat, in the future, whether it is sticking to the industry track, or expanding into the field of entertainment media and advertising, there will be a strong room for development. , if I don't answer, doesn't it appear that I am too unreasonable and blind?"

"Half a month, are you sure that Li Huiyuan can't come up with this money?" Mr. Qian said in surprise.

Su Yu replied: "I'm not sure, I just thought that if this guy can't get it together, I will take his shares, which is not bad. I didn't think about taking it by chance."

Hearing Su Yu's words, Mr. Qian was stunned for a moment, remembering the other party's ingenious and resolute tactics in stock market operations, and instantly came to his senses, knowing that no matter what aspect the other party was considering, he must be right for Li Huiyuan In half a month, I couldn't raise so much money, so I came up with such a trick to let the other party willingly cede the shares and give up the control of the company. I couldn't help laughing: "It's not a robbery, but it's a deliberate plan. , begging on your head, I am afraid that in the end, I will be tricked to death by you, and I don’t know why.”

"Mr. Qian, don't you think of me too cruelly?" Su Yu chuckled, "I'm really taking the money openly. If he can pay back the money, wouldn't I have nothing to do with it? And... Mr. Qian, don't forget that I seized the 50% of the shares to put pressure on the other party and help you collect debts!"

Mr. Qian was amused by Su Yu's logic, and said, "So, if I can get back the 1100 million loan, I have to thank Brother Su for his help. You urged me to get it back?"

PS: The plot is a bit stuck, let me sort it out, the poor words will be made up tomorrow.

(End of this chapter)