Consumer God

Chapter 361
Han Lie's idea is not random, but really has high feasibility and high operability.

Gao Diaomao just doesn't know how to do it, not stupid, he can't be fooled by nonsense.

But when Han Lie introduced, he deliberately distinguished the importance, forming a strong inducement, aiming at his greed, and laying down an ultimate trap.

"Mr. Gao, the most worry-free way is to hand over the whole project to my company.

Let's sign a carte blanche agency agreement, and then you don't need to worry about anything. You can cooperate when I ask you for information, and just wait for the money to arrive later.

In the first response process, all my contacts are consumed, such as evaluation agencies, credit enhancement agencies, investors, custodians, underwriters, etc.

As long as you personally provide unlimited joint and several liability guarantee, I promise to withdraw 20 billion in cash from that piece of land.

If you can’t get any money, I’ll return all the shares to you…”

The first set of plans focuses on a fully automatic, don't worry.

But Han Lie deliberately covered up the cost without mentioning a single word, while Gao Diaomao realized it immediately.

"Mr. Han, how much of the 20 billion can I have left?"

Han Lie patted his chest for assurance: "It will definitely not be less than 18 billion!"

10% of the cost sounds like a good deal, but Gao Diao Mao's heart suddenly exploded.

Damn, I already gave you 20% of the shares, which is equivalent to 6 million in remuneration, and you want to grab another 2 million from me? !
Don't force your face!

Out of anger, of course it was impossible for Gao Diaomao to get angry with Han Lie, but he looked embarrassed and found another excuse.

"Mr. Han, do I have to personally provide an unlimited joint guarantee? Shouldn't the company be the main body?"

Han Lieyu replied earnestly: "Mr. Gao, your company is the main body of financing, but its own net assets are not so abundant. It must need additional guarantees to win the trust of institutions and investors at all levels...

As the largest shareholder, if you don’t bind yourself to the project, how can the funding side recognize it?

We want to operate a 10 billion plot of land to obtain 20 billion financing, and there are risks of violations in every link, but you don’t need to handle the whole process, which means that I bear all the risks, and the cost is slightly higher, which is reasonable, right?

Let me tell you the truth—not only did the 2 million yuan fall into my hands, but I also had to spend a lot of it myself.

If you don't believe me, just go out and inquire and see who has the ability to take this kind of case? "

"Yes, yes, I understand!"

Gao Diaomao nodded sympathetically, looking extremely convinced.

"Mr. Han, it's really not easy for you, I understand! But you also have to consider the actual situation on my side. It may be difficult to make enough profits to cover all the principal and interest when the land is developed... When the final repayment How much more?"

"Well, that's a question..."

Han Lie nodded, and said casually: "The nominal interest of this operation is not high, about 12.5%, and the repayment of principal and interest in two years is 25 billion."

Upon hearing that number, Gao Diaomao was even more reluctant to do it.

You only got 18 billion in hand, but you have to return 25 billion after two years, and then take 20% of the shares of your own company. What is the plan? !
Maybe Han Lie didn't make much money, but he couldn't make it either...

Moreover, Gao Diaomao didn't believe that Han Lie wouldn't make money at all. The whole process was controlled by others, and he didn't even have the right to participate. Wasn't it just how this bastard fooled?

Maybe he doesn't need to pay a penny, and find someone to cooperate, so he can eat both ends?

Gao Diaomao immediately gave up the safest plan. He didn't care about the so-called "safety".

"Aren't there three options? Tell me about the other two!"

Han Lie glanced at him, and warned: "I won't take the risk for you with other plans, how much money you get, how many things you do, understand?"

Gao Diaomao smiled and nodded: "Of course, of course!"

"The second operation is this——

As for me, I will find you a state-owned enterprise later, and I will use my [Sky One] to purchase the corporate bonds of that state-owned enterprise with a limit of 20 billion.

This replaces the equivalent amount of funds they purchased for [Gaoyuan A Lot Project].

The interest rate on corporate bonds is about 5.2%, and the cost of their investment in our project is 6.5%..."

Gao Diaomao was immediately dumbfounded.

"No, Mr. Han, why did you lose 1.3% once you entered and exited? Our total amount of 20 billion, we lost 5000 million in two years with our eyes closed?!"

Han Lie deliberately pretended to be annoyed, and asked back: "What kind of reputation does this small company have? Evaluation agencies, trust companies, securities companies, third-party guarantees... Why do you want to help make fakes and form a closed loop?" to make this project?"

Gao Diaomao refused to accept it: "I can give you money!"

Han Lie asked again: "What do you think I'm doing?"

Gao Diaomao replied with a bitter face: "I understand, but with your method, you have to give out 5000 million yuan for the funds alone. Isn't it too...too extravagant?"

"luxury?"

Han Lie raised his eyebrows playfully: "Let me tell you something bad - if I hadn't stepped forward, you would have found it yourself, let alone 1.2%, even if the price difference was raised to 3.2%, no one would care!
A large state-owned enterprise that can issue triple-A corporate bonds, what's your point of mind? "

"Yes, yes, I know that I don't have that weight, and I can't do this..."

Otherwise, why the hell would I give you 20% of the shares? !
Picture you big ass? !

Gao Diaomao yelled at him in secret, not convinced.

But his smile became more humble and humble: "However, we can't directly feed the key people, don't make it so... Uh, don't make it so cautious and formal?"

Han Lie couldn't help but secretly sneered: Sure enough, dogs can't change eating shit.

Gao Diao Mao's idea cannot be said to be completely unworkable, in fact, there is hope for success.

But this is exactly the gap between him and Han Lie.

Han Lie's approach is equivalent to putting his interests on the table, legal and compliant, the leaders of the state-owned enterprises do not take any risks, and only take political achievements and favors instead of personal benefits.

Assuming that something goes wrong accidentally in the future, causing the project to be reviewed, a regulatory oversight can pass.

Decision-making is a collective decision-making, and the individual does not get a penny, so a group is stable.

The rest of the links are handled in the same way.

For example, a trust institution that provides credit enhancement can complain at that time: "We saw that the money was paid by a brother unit, so we followed up without thinking much... It is true that our supervision is not strict enough, and we are not cautious enough to control risks. Review!"

All parties involved are responsible, but no individual is responsible.

The pressure is shared by everyone.

In this way, there is only one problem of "maliciously raising the evaluation price" in the project itself. As long as the principal and interest are actively refunded, there is a high probability that it will not be investigated.

But at that time, it was estimated that the project had already been completed, and Gaoyuan Real Estate used a land of 10 billion to obtain 20 billion in development funds, and successfully survived the difficulties.

People who really know how to play will definitely choose this approach.

Fringe, but not overcooked.

Beat the time difference, not malicious repudiation.

As long as the capital chain is not broken, similar tactics can even continue to play.

Of course, smart people will definitely get out in time - I use other people's money to buy the most profitable real estate, which doubles in size every year. As long as I don't get too greedy, I can make a hundred times my net worth in a few years.

At that time, it's a good time to withdraw steadily, drink big bowls with big buddies, and share money with big bowls, aren't you happy? !

In recent years, the extra liquidity in the financial industry has always flowed into real estate, and real estate developers are getting rich faster than riding a rocket. This is the main reason.

We have a principal of 2000 million, and we can leverage 1 million projects by buying a random piece of land, and then do some show operations later, and we can get 3 million funds to roll back and forth.

In fact, the net profit margin after deducting various costs may only be 20%.

But 3% of 20 million is 6000 million, which is equivalent to tripling the wealth in one year.

Now you know why all domestic real estate groups have to set up their own financial sector, right?
……

If Han Lie's actions are kingly, then Gao Diao Mao's actions are evil.

He is still immersed in the old-school thinking of the early years, but he doesn't know that there are really not many smart people still playing that way now.

Taking bribes has been a red line in recent years, and the risk of taking bribes is not of the same order of magnitude.

That way, as long as one person in the entire line has a problem, they will all have to eat melons in the end.

It seems to save costs, make friends, establish a common core interest circle, and hold up a protective umbrella for themselves, but in fact they are putting themselves at an extremely disadvantageous position.

Put your life in the hands of others and expect the law of the country to treat you differently. A wise man will never do it.

It is absolutely impossible for Han Lie to participate in such a thing, he is too stupid.

But Gao Diaomao is different. He used to eat the sweetness of similar practices, forming a mindset and path dependence-to put it simply, a dog can't change eating shit.

If Han Lie hadn't participated in this project, he would have been more than happy to encourage Gao Diaomao to mess around.

A report at a critical moment, sending your whole family in to step on the sewing machine and eat corn buns, why not do it?

But not now, he can't guide Gao Diao Mao to do that, mainly because he can't get rid of the relationship.

"Mr. Gao..."

Han Lieyu pretended to be a good guy with all his heart.

"I don't know how you used to do things, but now it's a new era...

Only consider the cost, do not consider the risk-benefit ratio? !

In our financial industry, cutting leeks is a traditional skill, and being able to cut leeks reasonably and legally is called skill.

Unreasonable and illegal messing around will lead to big problems!
You are my partner, and those who can help me with things are my friends. I would rather make less money, or even no money, than cheat my partners and friends!
I, Han Lie, am a man of reputation, and word of mouth is the most important thing in my work!
If you have to think that way, I'm sorry I can't help it. "

Gao Diaomao was looked at by Han Lie with that meaningful look, and he felt at ease, anxious, and angry at the same time.

Anwen is because Han Lie has a bottom line and has a high sense of morality.

He felt from the bottom of his heart that Han Lie was an idiot who would not take advantage of his talents, but this did not prevent him from liking to cooperate with such people.

A gentleman can deceive him.

Oh, by the way, Han Lie is very shrewd and not easy to bully...

However, it is always good to have a high sense of morality and be cautious, and it is more reassuring to cooperate.

The anxiety is because he has already paid a huge price to get the shares of his right-hand man. If Han Lie's side does not match up in the end, the shares he got will become worthless.

Originally, he already had more than 50% of the shares, but now it is almost 75%.

Why do I hold so many shares? !

In order to gather shares, Gao Diao Mao drained all the working capital. The plan was to pull Han Lie into the chariot and obtain new low-cost financing channels.

If it fails, the company will collapse, and bankruptcy is a high probability event.

But Han Lie chose to use the extremely expensive formal method to raise funds. Isn't this a joke? !

And the anger was because he had nothing to do with Han Lie like this.

This dog sits firmly on the Diaoyutai, the biggest thing is that he doesn't want his own shares. If he doesn't make this money, the little red guy still holds a fund of 75 billion, and he can make a lot of money in the market at any time.

MLGBD!

When you were talking about cooperation with me, you swore to draw big cakes, but now that I have all the shares in your hands, you are playing a good person carelessly...

play me? !

Treat me like a leek? !
Gao Diaomao had every reason to suspect that Han Lie actually wanted to entrust him with one click, entrusting the entire project out, so that he could make a fortune for himself.

He was so angry that his lungs hurt.

But the more this was the case, the more he believed that Han Lie must have a way to secure financing at a relatively low cost.

Now, the only thing I need to do is... coax out that method!
Gao Diaomao's heart suddenly moved, he deliberately pretended to be tangled, and asked hesitantly: "Mr. Han, I remember that you talked about a way to cut leeks from retail investors last time...isn't that okay?"

Han Lie frowned, and replied a little coldly: "It's okay, but there are policy risks, and it affects word of mouth. My private equity company has to manage goodwill, so I can't participate."

Gao Diaomao's eyes flashed instantly, and he said flatteringly, "Tell me!"

Afraid that Han Lie would not talk about dry goods, he immediately said: "If the operation is simple, I can do it myself, but the benefits will not be less for you! Don't worry, the third-party credit enhancement can only be done by you, I know it well, boss! "

Han Lie's furrowed brows finally fell, and he replied with a smile: "Okay, let's treat it as a small talk and tell you about it."

"Good good!"

Gao Diaomao was overjoyed and listened.

"If you want to cut the leeks of retail investors on this kind of project, the first step is to find a partner with particularly strong sales capabilities.

He must have the ability to sell shares and have the underlying channels.

After finding that person, the next step is division of labor and cooperation.

In the second step, you have to get the appraisal agency to appraise the value of the land at about 20 billion.

The third step is to ask the partner to package the entire project. It cannot be ordinary ABS. It depends on what your land is suitable for.

If it is suitable for apartments, then build equity REITs that use rent and property expenses as the source of income.

If it is suitable to build an office building, then build a mortgage type, it does not have to be a residential project.

In short, it is not important to be flexible about how much the project itself can make. What is important is to tell the story well and make it attractive.

The fourth step is to increase credit.

This is the most difficult thing. There must be a large state-owned enterprise as a third-party guarantee, so as to dispel the doubts of buyers.

You don't need to worry about this, I will take care of it for you naturally if I take your shares.

The fifth step is sales.

Just like the lecture I gave last time, your partner must do a good job in the road show.

If a single person invests at least 100 million yuan, at least 1000 investors must be secured before the 20 billion quota can be sold.

Those who can do this kind of thing are either big banks or big brokerages.

The sixth step is to find a trustworthy hosting party.

The custodian bank is very important. If the relationship is not good, you will not be allowed to move the money in the special account, which is quite troublesome.

The seventh step is repayment or bankruptcy.

There is no need to mention the repayment, borrowing chickens to lay eggs, earning some hard money, and erasing the risks of previous illegal operations.

I don't recommend bankruptcy. You need to transfer assets in advance, and you have to squat if something goes wrong.

Unless the interest rate of the project is raised, then the guarantor will not make a full guarantee and use high interest rates to attract leeks, so don't cheat the big brother of the state-owned enterprise.

Or simply discuss it with the supervisor of the guarantor... It is not convenient for me to go into details.

It is true that some players with outstanding abilities will engage in the kind of insolvency and bankruptcy operation, because the investor is not a state-owned enterprise but a retail investor, so basically they can only accept bad luck.

Then the guarantor or the bank, as a high-priority creditor, will make the company's remaining assets into a non-performing asset package and sell it externally.

At this time, you can use the shell company to buy back the broken company and the broken project for secondary development.

The debt is gone, the past is wiped out, but the project is still my own, and I can play the second round with a different skin...

Cough!

On a whim, talk too much!

Anyway, the idea of ​​​​cutting the leeks of retail investors is similar, the key point is how to pick yourself out, I only know some cases in this regard, I have not really experienced things on paper, just listen to it..."

Gao Diaomao's eyes lit up when he heard it, and he thought: Are you still talking on paper?This idea is too clear!
Teacher Han, this is what I want to learn!
In fact, in the whole process, only how to package the project is the real technical work, and the other links are dealing with people.

Therefore, it was no surprise that Gao Diao Mao was very excited.

'I'm so fucking good at this! '

He slapped his thigh, and there was a red palm print on his snow-white flesh, that powerful...

"Teacher Han, just follow this plan!"

Han Lie glanced at him with a half-smile, and his voice was a little careless: "It's your freedom to do whatever you want. But I won't participate in the project, I'm only responsible for helping you get credit enhancement. But my shares... can't get a cent few."

"how come?!"

Gao Diaomao smiled exaggeratedly: "Who dares to rely on your things? Have dinner with Mr. Qiu tonight, right? Tomorrow we will go through the formalities and register the shares in your name!"

Han Lie only does such a trivial job, but he wants to take away a full 20% of the shares. Of course, Gao Diaomao feels distressed.

But when he thought that he could renege on the debt in the end...he didn't feel bad anymore.

Anyway, it's a business without capital, so I'm afraid of chicken feathers!

It took a little over 3 million yuan to get shares, but after defrauding 20 billion yuan, 10 billion yuan was his own, and he earned it with blood.

Without Han Lie, would this be possible?
No!
That being the case, the little red guy deserved it.

Moreover, if you want to engage in a second wave and a third wave in the future, you will definitely need the little red guy to come forward.

Gao Diaomao knew very well that he didn't have the ability and face to completely complete this closed loop.

As for risk... why not have risk?
More than ten times the profit, just do it!
Just like that, Han Lie completely limped Gao Diaomao with a big cake...

Greed is the first of all incurable sins.

(End of this chapter)