The investment era of rebirth

Chapter 94 Crisis Signs of Market 'Money Shortage'
"You can also say that." Su Yu replied, "The renewal loan of 'Yichuang Planning' has been blocked by the bank, and the loans of other banks will definitely not be approved in the short term. According to the original deadline, Li Huiyuan will definitely repay the loan." No, I'll save you debt collection costs by doing this..."

"and……"

"If after the extension, half a month expires, Li Huiyuan still hasn't made it yet."

"This debt is transferred to me, and you will not lose money."

"Based on this, am I not busying you for Mr. Qian?"

Mr. Qian was stunned, thought for a long time, but couldn't think of a reason to refute, and replied: "Brother Su, I have to say, you are really good at trading stocks, and good at negotiating, that's all right... this is my boss's job." I owe you the money, I will pay you back together when I have a chance next time, okay...the stock market is also closed, and I have a meeting to hold, so I won't talk to you any more. "

"Okay!" Su Yu responded and hung up the phone.

Afterwards, Su Yu immediately called Li Huiyuan back, saying that he had extended the loan for half a month and hoped that he could repay it on time.

Li Huiyuan simply expressed his gratitude to Su Yu, saying that he would definitely raise money to pay back as soon as possible.

This hung up the phone.

"Huiyuan, are you taking things too seriously?" When Li Huiyuan hung up the phone, Zhou Yang, the vice president of the 'Yichuang Planning' company, didn't see the slightest relaxed look on his face, looking at his friend and partner of the company. , said privately, "50% of the shares, if we don't pay the money after half a month, the company will change hands, and your years of struggle will come to naught."

Li Huiyuan holds 85% of the company's 'Yichuang Planning', he holds 12%, and the remaining 3% is in the hands of several core technical backbones of the company.

And in accordance with the proportion of each party's shareholding.

Once Li Huiyuan loses 50% of the company's shares, the actual controller of the company will naturally change accordingly.

"We tried to contact Mr. Qian before, and we also talked to the general manager of the loan company." Li Huiyuan replied, "What is the result, you have seen it, Lao Zhou, and there is no way to ask, even if I put everything in my hands They just want us to repay the loan on time, and if we fail to repay the company's shares, the people from the loan company will inevitably come to make trouble. Our company's business is at a critical juncture, and we are now talking about how many The cooperation of two brands, this juncture, made things worse, and had a great impact on our company's reputation and business."

"I know this too, but I just think...you are too risky." Zhou Yang said with a frown.

If it weren't for them and the lending company and Mr. Qian, they really couldn't reach an agreement, and there was no room for relaxation, and they wouldn't have approached Su Yu through Shi Yuling like a dead horse as a living horse doctor.

But, the result...

It was beyond their expectations.

"At first, I thought this young man surnamed Su was easy to deal with, as long as he gave us some favors, he could help us with the matter." Li Huiyuan said, "But judging from the results, we still underestimated this person."

"Sure enough, those who can sneak into Yuhang's core business circle will not be simple people."

"Using 50% of the company's shares as a credit betting chip in exchange for half a month of our time, there is a risk, but it is not big."

"First of all, our bank loan is not rejected, but because of the recent lending cycle, the funds are not in place for the time being, but as time goes by, it will eventually be released."

"Secondly, didn't an investment institution contact us before?"

"According to their requirements, if the bank loan is approaching maturity and the bank loan still cannot be released, we can also seek their help, attract investment institutions to come in, borrow their investment funds, and redeem 50% of the company's shares in the credit game."

"After all, we didn't intend to introduce institutions and dilute the shares before, but it's not impossible."

"If it really comes to a time when there is no other way, then naturally we can only choose to introduce institutions to break the situation. At least this is still less expensive than the cost of failing in credit-to-credit gambling."

"Furthermore, there are about 10 days left. Part of the project funds of 'Yimei Apparel', as well as the project funds of several other small brands, should be paid back. This will also relieve us a lot of financial pressure."

"Also, during this time, we can borrow some funds from other business partners."

"Generally speaking, there are still many channels for us to raise money at present, and the foreseeable funding gap is not very large."

"And the only thing we lack, happens to be time."

"In the first half month, we were slack. We didn't expect that the funds for the bank's renewal loan could not be put down, which caused the current predicament. But now we have prepared and fully expected. With so many fundraising channels Next, I believe that there should be no problem in returning the 1100 million in half a month."

"And as long as we can pay back, this credit-to-credit betting agreement will not do us any harm."

"Anyway, I think it's quite risky." Zhou Yang still didn't agree with Li Huiyuan's words, and said with a sigh.

Li Huiyuan rubbed his temples, smiled wearily, and said: "It is impossible for us to start a business without a risk-free development path. Sometimes we are faced with choices, and we can only choose a slightly lower cost. A slightly lower option."

"Compared to the consequences of direct breach of contract..."

"Doing this can be regarded as a compromise solution to delay the risk resolution."

"Although we know that this Su is a robber, but at this moment, we don't have much bargaining capital."

"Okay, Lao Zhou, this matter is over, so I won't mention it for the time being."

"In the next few days, you have to go to the bank more, and urge some bank credit department managers or branch managers we can talk to to let the loan funds be released as soon as possible."

"Also, Tianhe invests in this institution, you should also get in touch with it."

"Let's take a look at their institutions' willingness to invest in us and their valuation. If we can raise 15% of the shares and get seventy-eight million funds, then even if the bank loan cannot be released, it can solve our predicament."

"There are also Mr. Sun and Mr. Wang of 'Yimei Clothing', Mr. Tian of 'Yalan Clothing Sales Company', and Mr. Gao of 'Ailing Department Store'...these have a good relationship with our company's bosses, you recently These days, I also make an appointment for me to see if I can get some financial support from them."

"In any case, in the next half month, we can no longer take it lightly."

"We can no longer put our hopes on one funding channel."

"Okay, Mr. Li!" Zhou Yang responded, and then left.

After Zhou Yang left, Li Huiyuan was silent for a while, then turned around and called the director of the company's graphic model business, and said: "Director Fu, Xiao Shi, I still need to take care of the girl, the one from the 'Ailing Department Store' online store." For the project, let her take the lead, and for the others...you should coordinate and coordinate more."

In the case that the company has not yet got rid of the financial difficulties and has not yet raised the cash for repayment.

Shi Yuling is the only bargaining chip in his hand that can negotiate terms with Su Yu.

Therefore, even though Li Huiyuan felt very uncomfortable about Su Yu's way of taking advantage of the fire to help them solve the problem of bridge loan extension by using credit to gamble, but in order to make things better in the future when the company's situation deteriorated and fell into a desperate situation, the two of them still had a way of turning around and negotiating. The only room left is to continue to use the company's resources to support this girl and take care of this bargaining chip.

"Okay, Mr. Li." Director Fu replied.

Then, after Li Huiyuan ordered some work tasks, he just left the office.

Seeing the other party leave, Li Huiyuan lay down on the chair, closed his eyes and rested for a while, cleared his mind, then resumed his work and made an appointment with his business partner for the evening.

During this period, Su Yu had already returned home.

After 5:[-] in the afternoon, he turned on the computer and looked at the closing results and the data of today's dragon and tiger list.

I saw that the three major indexes of the Shanghai Index, Shenzhen Index, and ChiNext Index continued to fall by more than 1% today after the sharp drop yesterday. The two cities lacked hot spots and the mood was generally depressed.

On the Shanghai Steel Federation's Dragon and Tiger list data, today is a gathering of big shots.

Yitian Road in Shenzhen, Sangtian Road in Mingzhou, Songjiang Road in Shanghai, and Laodong Road in Huzhou have all been on the list of main buyers.

"The buying amount of each company is relatively balanced, and there is no situation in which one is dominant." Su Yu stared at the data of the dragon and tiger list, and secretly said, "So, if the market trend and market sentiment do not improve tomorrow, then the Shanghai Steel Federation seven The pressure on the board is not too great."

In his view, the Shanghai Steel Federation is relatively consistent emotionally today, and there are still some shortcomings in changing hands.

In this case, if one family dominates the Dragon and Tiger Rankings, there will definitely be more concerns about the funds for the follow-up relay.

After all, for high-level boards, as the connecting board space is repeatedly refreshed, the risks are also increasing day by day.

And the upward momentum of the stock price, the fundamentals will gradually give way to the emotional side at this time.

Under the control of the emotional side, if a situation of dominance is formed, the risk of relay being smashed will also increase rapidly, thereby restricting the relay willingness of market funds.

When the willingness of market funds to continue to relay is weakened.

Then, the emotional side will naturally collapse, and the upward momentum of the stock price will be completely lost.

Therefore, the relay of the general high-risk board is usually done by the joint efforts of funds in the end. It is unlikely that there will be a situation where one company dominates, continuously controls the market, and can be accepted by many major funds in the market, and continue to raise the sedan chair. No one can accurately predict where it will go.

After simply reviewing the data of the Dragon and Tiger List, Su Yu is planning to set his sights on major stock trading forums and financial information websites.

At this time, his cell phone rang again.

Su Yu picked up the mobile phone on the table and took a look. Seeing that it was the bank's call, he connected it without hesitation.

After connecting, he realized that this was another call from the bank's wealth management manager to promote bank wealth management products and large deposits to him.

"In two days, the eighth call."

Su Yu frowned slightly, and wanted to block the bank's number, and secretly said: "Is the bank's 'money shortage' to such an extent?"

He knows that due to the first half of the year, various financial institutions, including many economic and financial experts.

They all predict that the domestic monetary policy will continue to be loose, and that the central bank will continue to release liquidity to stimulate the economy in order to complete the GDP growth target.

Therefore, various financial institutions, in the past few months, wantonly added new loans to release the money supply.

As a result, both the increase in loans and the increase in money supply in the first quarter exceeded expectations, reaching 42% of last year's expected increase for this year. The interest rate cuts and RRR cuts expected by many financial institutions in the market did not come.

In addition, in April, the Federal Reserve decided to withdraw from the QE program, and monetary policy gradually turned to tightening.

The money supply in the domestic market has gradually tightened.

However, what is surprising is that the central bank still sits firmly on the Diaoyutai and has not issued any signal to release liquidity when the domestic money supply is obviously tightening.

So, in this situation...

Various financial institutions found that after misjudging the direction of the central bank's monetary policy and releasing too much money supply in the first quarter, they finally had to tighten monetary conditions and were forced to shrink funds to curb the incremental issuance of new loans in the market.

Then, in the past few years, in order to evade the central bank’s use of reserve funds to control the liquidity of savings funds, banks have added a lot of off-balance sheet assets, thereby using these off-balance sheet assets and funds to invest and expand, resulting in The serious shrinkage of its on-balance sheet capital reserves makes it difficult to prevent such a sudden change in the macro-environment of money supply in the market, which has naturally caused the "money shortage" in the entire domestic banking industry today.

Previously in May, banks faced an internal 'money shortage' situation.

Also slightly concealed.

While tightening the approval and issuance of new loans, while expecting Yang Ma to save herself, at the same time, she gave the internal credit department and savings department desperate tasks to absorb savings frantically in order to deal with the "internal money shortage" crisis.

But when the time enters June...

The banks found that Yangma seems to be determined to tighten liquidity this time, to solve the long-standing problem of excess market liquidity, and to suppress domestic inflation.

Therefore, the problem of 'internal money shortage' originally hidden under the surface of the banking industry.

It seems to have begun to gradually surface.

And everyone, no longer pay attention to face, began to reduce the number of new loans more frantically, and win deposits from various customers.

Although Su Yu doesn't know how nervous the financial problem in the banking industry has become at this moment, it can be seen from the number of calls he has received in the past two days that it is average.

Thinking about it, Su Yu hurriedly checked the overnight repurchase rate and interbank offered rate of the banking industry.

I saw that these two indicators have risen a lot compared to last month, and the overnight repurchase rate has exceeded the red line of 3.75%.

"It seems...the crisis is indeed approaching."

Su Yu thought to himself, and after checking the key interest rate indicators, he searched for information on major deposits and new loans of banks in the recent period across the country.

It is found that there are countless companies complaining about the difficulty of loan approval in the past month or so.

In the past two weeks, there have been very few companies that have received loan funds.

Moreover, due to the forced tightening of money in the banking industry, the effect of the "cash shortage" has intensified. Major financial institutions and private lending institutions in the market have been squeezed out by enterprises and individuals with urgent financing needs, and there has also been a shortage of funds.

Among them, Su Yu learned from Internet information.

The official websites of many financing institutions in Yuhang have clearly issued announcements to suspend the review of financing projects, although no specific reasons have been stated.

But Su Yu guessed that there should be no money.

According to his historical memory, during this wave of money shortage, the central bank did not symbolically release 7 billion yuan of liquidity until July when it saw the market liquidity risk fully highlighted.

Therefore, Su Yu predicted that throughout June, domestic financial institutions, and even the entire financial market.

Should be shrouded in the shadow of 'money shortage'.

Of course, if there is a shortage of money in the market, banks shrink off-balance-sheet assets and withdraw off-balance-sheet investments, then the stock market will naturally not get better.

After sorting out the logic and thinking, Su Yu rubbed his eyes, and called Li Meng, who had already arrived downstairs in the community, to bring him a takeaway.

Then, his eyes focused on the computer screen again.

"Su Yu, are you out of the Shanghai Steel Federation today?" While Su Yu was continuing to browse domestic and foreign financial information, Wang Can sent him a message on his chat software, "This stock is really strong, six It’s connected, and looking at today’s Dragon and Tiger List, the funds of Fortune Road and Fusheng Road are still locked up, which is really awesome.”

"No." Su Yu replied lightly, "I have something to go out today, and I didn't watch the market, so I didn't have time to get out."

Wang Can heard that Su Yu was able to resist watching the market even though he held the Shanghai Steel Union, and praised: "It's amazing, I couldn't hold back. The market situation is very bad today, so I stopped the profit. But no matter what... this check is also the stock that I have earned the most in the past two months."

"It's good to make money." Su Yu replied, "As long as there is money to be made, no matter when you play, it's right."

"That's right." Wang Can replied with a smile, paused, and then said, "After you leave your job, have you thought about your next company? Too few, I really regret going back to my hometown and wasting a lot of opportunities."

"Are you maturing?" Su Yu asked.

Wang Can replied: "Yes, I came back after graduation."

"Then you know..." Su Yu paused, "You know Mr. Yao who taught accounting in our school, right? I heard that she is also maturing."

"I know!" Wang Can said, "Su Yu, you won't be so long, and you still miss Teacher Yao?"

Su Yu was speechless for a while, and replied: "Where do you want to go, I just have something to do with Teacher Yao, so I have been inquiring about her recent situation, do you understand?"

He thought that since Wang Can was growing up, he also knew Teacher Yao.

Then, in a small place, even if the two of them can't meet face to face, it should still be possible after such a long time, occasionally heard.

In Su Yu's memory, he only remembered that Teacher Yao was in Changshu, and he roughly remembered the name of the company she worked for, but he didn't know the specific situation, situation, or current situation of the other party. After all, even before he was reborn, he was just a During the business trip, I ran into the other party by chance, and I didn't get to know the other party in detail.

"hey-hey……"

During Su Yu's inquiry, Wang Can smiled and replied: "I heard that when you were in college, you had a crush on Teacher Yao from our school, so you fell in love with taking her class. It's really not groundless, let's say...it's been almost four years, you won't still be fond of it, will you?"

"Can you talk properly?" Su Yu said depressedly, "Do you also believe in such illusory things?"

Wang Can replied: "Looking at your situation, I have to believe it, but...since you asked, I really know the current situation of Teacher Yao, and I know that she is divorced and lives alone with a daughter."

"Have you seen her?" Su Yu couldn't help asking when he saw that he was speaking in such detail.

"Not only have I seen it before." Wang Can replied, "We live in the same community, and the place where we work is not far away, but..."

PS: There is one more chapter, it will be later, probably after 11 o'clock.

(End of this chapter)