Rebirth starts from e-commerce
Chapter 557
Chapter 557
Luo Xiu is very clear that the capital market has been very frenzied in recent years, and they are waving a lot of money in their hands, looking for investment projects everywhere.
As a result, many companies like Shell Cases have emerged.
They start by making up a story.
For example: "clothing, food, housing, and transportation" are indispensable for everyone, but the current rental market is very chaotic. I want to build an O2O rental platform to provide better services for landlords and tenants, so that landlords can feel at ease and tenants can rest assured.
However, through a large number of advertisements and subsidies, the GVM (total transaction value) can be made in a short period of time, and a very beautiful report can be made.
Seeing that this project has great promise, the capital began to invest money in, adding fuel to the fire and further increasing its market share.
Then look for listings, and look for the next home to take over.
Even before a lot of capital came in, it was clear that this business was impossible to succeed, and it would definitely be a thunderstorm in the end.
They just hope that they are not the last to take over, as long as they don't blow up in their own hands, they will make money.
So in the past few years, many strange companies have raised a lot of funds, and even went public in the United States successfully.
In the past few years, the economic situation has been very good, and more and more people have begun to advocate "consumption upgrade".
But soon the capital entered a cold winter, and the days of getting financing casually are gone forever.
……
Luo Xiu was very aware of this kind of routine of telling stories and drawing big cakes, and said to him with a smile: "The rental market is too big, and if you want to make some scale, you have to spend a lot of money in the early stage!"
"I really don't have any money now, but Mr. Luo, you have money. I came here this time to sign a ten billion loan cooperation."
After hearing this, Luo Xiu smiled and said: "To put it bluntly, what you are doing is an O2O long-term rental apartment platform. To put it bluntly, the house is owned by the landlord. You are an empty shell without asset mortgage. It is too dangerous to lend you money without any guarantee."
"I understand your concerns, Mr. Luo, but I came to seek your cooperation this time not to ask you to lend me money, but to lend money to tenants."
"Boss Gao, you might as well make your words clearer." Luo Xiu hated others playing charades with him the most.
"I rent a house with a market price of 3000 per month to a renter at 2000, on the condition that he must give me a one-time loan for one year in his own name.
The tenant repays the bank in the form of rent every month, and I can get a year's rent loan in advance to develop a new business. "
Hearing what he said, Luo Xiu finally understood what he meant.
The reason is very simple, it is the same as selling off-plan houses in real estate.
For example, a real estate developer wants to build a house, but he does not have enough cash in hand, so he must borrow 100 billion from the bank.
It is too risky for banks to lend such a large amount of money to real estate companies. In case of a thunderstorm, the bank may lose 100 billion yuan directly.
Therefore, the bank decided to go around and lend the 100 billion that should have been lent to the real estate company to 2000 buyers, each with 500 million, which is equivalent to splitting the risk into 2000 shares.
The money did not go to the buyer, but was directly handed over to the real estate company, which was used as leverage to acquire land and develop more real estate.
If everything goes well, housing prices continue to rise, and houses can be sold, then naturally there will be no problem.
In case the real estate developed in the later stage cannot be sold, the capital chain is broken, and the houses pre-sold in the early stage have no money to complete and cannot be handed over.
It has nothing to do with the bank. The bank's money is not lent to real estate companies, but to ordinary people who buy houses.
The fact that the house cannot be moved in has nothing to do with the bank, and the monthly mortgage still needs to be repaid on time.
Now the owner of the bullet shell apartment came to Luo Xiu.
It is also because he needs a large amount of funds to expand his territory, and Pinru Bank has a large amount of funds that need to be lent out to earn interest.
However, the bullet shell apartment has no assets in its hands, and has nothing to mortgage to the bank.
Out of risk considerations, Luo Xiu couldn't lend him the money.
So Convenience turned its attention to the tenants and decided to let these tenants share the risk.
The money was borrowed in the name of the tenant, but in fact it did not reach the tenant.
In the whole cycle, the tenant rents a cheaper house, the bullet case gets more funds to expand the scale, and the bank earns interest through the loan business.
On the surface, it looks like a win-win situation.
But as the market gets bigger and bigger, the best ending is that the bullet casings will be listed smoothly, absorbing a lot of funds from the stock market.
Then the company's top management and capital began to flee, because they knew that they would not be able to monopolize the entire rental market.
The performance made in the form of subsidies will definitely not be profitable in the end.
After they fled, they didn't care what the company became.
The financial report was unsightly, the stock price fell to the bottom, and the money of the shareholders was wasted.
The reputation of China concept stocks is largely spoiled by such companies.
The worst outcome is that the capital chain breaks ahead of time and the company explodes.
But for the bank, it's not lending money to the shells, it's lending to those renters.
Most of the renters are young people who have just left social work.
This group has a bright future, so you can't let yourself be included in the list of dishonest people just because of the 2 yuan?
They also end up having to return the money to the bank.
……
"You're really a fucking genius!" Luo Xiu said with a sneer.
"Mr. Luo, my plan will bring you nothing but benefits."
He knows that Internet banks are not as reputable as traditional banks, and it is difficult to conduct business.
Business loans usually give priority to traditional banks, and those who cannot get loans from traditional banks are usually not high-quality customers.
Now that there is such a large amount of business coming to his door, he is not at all worried that Luo Xiu will refuse.
"You're right, it's Baili..."
"It's really easy to communicate with Mr. Luo, unlike those old-fashioned traditional banks, who can't understand after talking with them for a long time."
"You wait for me to finish speaking, it is indeed a hundred benefits, but there is a harm."
"Oh, what's the harm?" Boss Gao said indifferently.
"I will lose my children and grandchildren."
"you……"
Boss Gao suppressed his anger, "In our business, peace is the most important thing. Even if we don't cooperate, we don't need to hurt others, right?"
"You are right, peace is the most important thing in my life, but I don't need to pay attention to peace with animals."
Luo Xiu knew that the shell case would be thundered in the future.
The landlord has not received the rent and wants to take the house back.
And many fresh graduates, while being kicked out by the landlord, have to pay back the rent to the bank every month.
The degree of worry is like buying a mobile phone in installments, and it was stolen the next day, but I have to help the thief repay the loan every month.
"Okay, today's humiliation, my boss, has been written down. Don't think that without your help, I can't get money."
After Boss Gao finished speaking, he could only slam the door angrily and leave.
The words he said were nothing more than a blunt mouth.
The status and status of the two can be said to be worlds apart.
(End of this chapter)
Luo Xiu is very clear that the capital market has been very frenzied in recent years, and they are waving a lot of money in their hands, looking for investment projects everywhere.
As a result, many companies like Shell Cases have emerged.
They start by making up a story.
For example: "clothing, food, housing, and transportation" are indispensable for everyone, but the current rental market is very chaotic. I want to build an O2O rental platform to provide better services for landlords and tenants, so that landlords can feel at ease and tenants can rest assured.
However, through a large number of advertisements and subsidies, the GVM (total transaction value) can be made in a short period of time, and a very beautiful report can be made.
Seeing that this project has great promise, the capital began to invest money in, adding fuel to the fire and further increasing its market share.
Then look for listings, and look for the next home to take over.
Even before a lot of capital came in, it was clear that this business was impossible to succeed, and it would definitely be a thunderstorm in the end.
They just hope that they are not the last to take over, as long as they don't blow up in their own hands, they will make money.
So in the past few years, many strange companies have raised a lot of funds, and even went public in the United States successfully.
In the past few years, the economic situation has been very good, and more and more people have begun to advocate "consumption upgrade".
But soon the capital entered a cold winter, and the days of getting financing casually are gone forever.
……
Luo Xiu was very aware of this kind of routine of telling stories and drawing big cakes, and said to him with a smile: "The rental market is too big, and if you want to make some scale, you have to spend a lot of money in the early stage!"
"I really don't have any money now, but Mr. Luo, you have money. I came here this time to sign a ten billion loan cooperation."
After hearing this, Luo Xiu smiled and said: "To put it bluntly, what you are doing is an O2O long-term rental apartment platform. To put it bluntly, the house is owned by the landlord. You are an empty shell without asset mortgage. It is too dangerous to lend you money without any guarantee."
"I understand your concerns, Mr. Luo, but I came to seek your cooperation this time not to ask you to lend me money, but to lend money to tenants."
"Boss Gao, you might as well make your words clearer." Luo Xiu hated others playing charades with him the most.
"I rent a house with a market price of 3000 per month to a renter at 2000, on the condition that he must give me a one-time loan for one year in his own name.
The tenant repays the bank in the form of rent every month, and I can get a year's rent loan in advance to develop a new business. "
Hearing what he said, Luo Xiu finally understood what he meant.
The reason is very simple, it is the same as selling off-plan houses in real estate.
For example, a real estate developer wants to build a house, but he does not have enough cash in hand, so he must borrow 100 billion from the bank.
It is too risky for banks to lend such a large amount of money to real estate companies. In case of a thunderstorm, the bank may lose 100 billion yuan directly.
Therefore, the bank decided to go around and lend the 100 billion that should have been lent to the real estate company to 2000 buyers, each with 500 million, which is equivalent to splitting the risk into 2000 shares.
The money did not go to the buyer, but was directly handed over to the real estate company, which was used as leverage to acquire land and develop more real estate.
If everything goes well, housing prices continue to rise, and houses can be sold, then naturally there will be no problem.
In case the real estate developed in the later stage cannot be sold, the capital chain is broken, and the houses pre-sold in the early stage have no money to complete and cannot be handed over.
It has nothing to do with the bank. The bank's money is not lent to real estate companies, but to ordinary people who buy houses.
The fact that the house cannot be moved in has nothing to do with the bank, and the monthly mortgage still needs to be repaid on time.
Now the owner of the bullet shell apartment came to Luo Xiu.
It is also because he needs a large amount of funds to expand his territory, and Pinru Bank has a large amount of funds that need to be lent out to earn interest.
However, the bullet shell apartment has no assets in its hands, and has nothing to mortgage to the bank.
Out of risk considerations, Luo Xiu couldn't lend him the money.
So Convenience turned its attention to the tenants and decided to let these tenants share the risk.
The money was borrowed in the name of the tenant, but in fact it did not reach the tenant.
In the whole cycle, the tenant rents a cheaper house, the bullet case gets more funds to expand the scale, and the bank earns interest through the loan business.
On the surface, it looks like a win-win situation.
But as the market gets bigger and bigger, the best ending is that the bullet casings will be listed smoothly, absorbing a lot of funds from the stock market.
Then the company's top management and capital began to flee, because they knew that they would not be able to monopolize the entire rental market.
The performance made in the form of subsidies will definitely not be profitable in the end.
After they fled, they didn't care what the company became.
The financial report was unsightly, the stock price fell to the bottom, and the money of the shareholders was wasted.
The reputation of China concept stocks is largely spoiled by such companies.
The worst outcome is that the capital chain breaks ahead of time and the company explodes.
But for the bank, it's not lending money to the shells, it's lending to those renters.
Most of the renters are young people who have just left social work.
This group has a bright future, so you can't let yourself be included in the list of dishonest people just because of the 2 yuan?
They also end up having to return the money to the bank.
……
"You're really a fucking genius!" Luo Xiu said with a sneer.
"Mr. Luo, my plan will bring you nothing but benefits."
He knows that Internet banks are not as reputable as traditional banks, and it is difficult to conduct business.
Business loans usually give priority to traditional banks, and those who cannot get loans from traditional banks are usually not high-quality customers.
Now that there is such a large amount of business coming to his door, he is not at all worried that Luo Xiu will refuse.
"You're right, it's Baili..."
"It's really easy to communicate with Mr. Luo, unlike those old-fashioned traditional banks, who can't understand after talking with them for a long time."
"You wait for me to finish speaking, it is indeed a hundred benefits, but there is a harm."
"Oh, what's the harm?" Boss Gao said indifferently.
"I will lose my children and grandchildren."
"you……"
Boss Gao suppressed his anger, "In our business, peace is the most important thing. Even if we don't cooperate, we don't need to hurt others, right?"
"You are right, peace is the most important thing in my life, but I don't need to pay attention to peace with animals."
Luo Xiu knew that the shell case would be thundered in the future.
The landlord has not received the rent and wants to take the house back.
And many fresh graduates, while being kicked out by the landlord, have to pay back the rent to the bank every month.
The degree of worry is like buying a mobile phone in installments, and it was stolen the next day, but I have to help the thief repay the loan every month.
"Okay, today's humiliation, my boss, has been written down. Don't think that without your help, I can't get money."
After Boss Gao finished speaking, he could only slam the door angrily and leave.
The words he said were nothing more than a blunt mouth.
The status and status of the two can be said to be worlds apart.
(End of this chapter)
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