I really just want to make money

Chapter 331 Wild Hope! (The two-in-one chapter asks for subscription)
Although he made a wrong move, Shi Hu was decisive, and immediately arranged for someone to report anonymously to the banking supervision department.

Then, through his relationship inside, he found someone to push him secretly.

Soon, Moyu Technology Company's 3 million illegal loans were exposed within the regulatory department, and even if someone wanted to help Li Yu, they couldn't suppress it.

If something happened on the supervision side, it would naturally be transmitted to Xinwan Bank immediately.

As the president of Hefei Branch, Zheng Ming was the first to know the news.

"Isn't the opportunity here? Hahaha..." After getting the news, Zheng Ming couldn't stop laughing alone in the office for a few minutes.

There's no way, he was suppressed by Xu Maolin during this period of time so badly!
And the reason why he is like this, it can be said that [-]% of the reason is Li Yu.

If Li Yu hadn't detonated the Golden Boy Real Estate fund-raising fraud case, his cousin Zheng Xin would not have been arrested for accepting bribes...

What happened to Zheng Xin was the turning point of his fight with Xu Maolin. From then on, he was suppressed by Xu Maolin.

Thinking of the aggrieved period of time, Zheng Ming's mouth twitched into a sneer.

"It makes you crazy, it's amazing to be rich, let's see if you can turn around this time!"

Zheng Ming could see very clearly that Li Yu must have been attacked this time, otherwise this kind of thing wouldn't be unstoppable for a day.

Now that you know that someone is going to attack Li Yu, and you are following the regulatory requirements, what are you waiting for...

It was too late when Xu Maolin and Lu Wenlong got the news.

As the branch president, Zheng Ming signed a notice directly bypassing the approval department, asking Li Yu to repay the 3 million loan in advance!
Li Yu was turned back by a phone call from the company, which was urgently dealing with bank loans.

On the way to Huifei, Li Yu had already sorted out what happened, including who was behind it.

Shi Hu thought he did it without anyone noticing, but he didn't know that Li Yu had known his plan long ago, but he didn't expect him to jump out in such a hurry...

A bit of a headache.

Yes, it's just a little headache.

From Shi Hu and Zheng Ming's point of view, Li Yu is facing a dead end, but from Li Yu's point of view, this is just a small trouble.

It is now the end of May, and in less than a month, Hefei's property market will usher in a round of skyrocketing...

All conspiracies and tricks are demons and ghosts, and they are rubbish in the face of rising housing prices!
Even if the bank announces to withdraw the loan in advance, Li Yu can completely ignore them.

It doesn't matter if they want to seal up their own real estate. After they finish the formalities, the house price has already risen, and then they will have plenty of ways to repay the loan...

The reason why Li Yu hurried back to the company was mainly to appease people.

He wasn't worried, but the management of the entire Moyu Technology Company had already exploded. This is a 3 million loan!
Moyu Technology Company's real estate is now mortgaged by the bank, and its equity is also mortgaged by Jinkou Liquor Industry. It is impossible to borrow money...

"Mr. Li, the bank has already sent a notice to the company announcing that the loan will expire early. The company can only use less than 1 million yuan of funds, including the payment for goods..."

As soon as Li Yu arrived at the company, Zhao Fang rushed to report the situation.

"I suggest that the crew of "The Legend of Zhen Huan" and the construction of the headquarters building be suspended, and I will go to the bank to buy time.

If it can be postponed for 3 months, we can transfer 1.5-2 million funds, as long as part of the loan is settled first, we can sell part of the villa at a lower price to get back the funds, and then continue to repay the loan..."

As the person in charge of the group's finance, Zhao Fang is well aware of the company's financial situation. The plan she proposed is also based on the current best solution that can be found.

But Li Yu just laughed after listening.

"Mr. Zhao, don't panic. I'll take care of the bank loan issue. No matter what happens outside, don't bother with it, and don't affect any business activities of the company..."

"This?" Zhao Fang looked at Boss Li in astonishment, wondering where he got his confidence.

"President Li, do you have a way to borrow 3 million?"

"No." Li Yu never thought about borrowing money.

Zhao Fang was speechless, how could she repay the bank loan if she didn't borrow money?

Even if Mr. Li knows many leaders, so what?
Moyu Technology's 3 million yuan loan was indeed flawed. Even if there were people on the top, no one would dare to tell the truth. This was calculated by Shi Hu.

Faced with Zhao Fang's suspicion, Li Yu also had a headache.

This time was different from before. If he couldn't give a reason that could convince her, the company would definitely be unstable and affect normal development.

After much deliberation, he can only use his old profession of flickering.

"Well, I didn't want to say it at first, but I actually still have a fund in the stock market, but I'm planning a stock recently, and I expect to get it out in a month or two.

At that time, not to mention the 3 million loan from the bank, even the 2 million arrears from Jinkou Liquor Industry will be fine. "

Li Yu spread his hands casually, his tone extremely relaxed.

Relaxed and confident, he is serious, but the source of confidence is not the stock market, but the understanding of the future.

Hearing that Li Yu still had a huge sum of money in the stock market, Zhao Fang was startled for a while, but then, she seemed to have figured out a lot of things suddenly.

So this is ah!

No wonder Mr. Li is not worried about bank loans at all.

No wonder Mr. Li has been making various big investments without worrying about the company's financial situation at all.

It turns out that people have always had their backs...

Naturally, all the previous doubts were filled in her mind, and Zhao Fang suddenly felt a burst of relief.

"Boss Li, you're really serious. You didn't tell me earlier that there were funds out there, which made me worry all day long..."

Zhao Fang was really depressed. She was more than worried all day long. During this period of time, every time Li Yu made various extreme investments, she was always on tenterhooks.

But it's normal for people not to talk about the boss's private money. As a senior wage earner, Zhao Fang can only bear it...

After fooling Zhao Fang, the company's executives soon got the news.

Of course, they didn't know that Li Yu had private money, they only knew that the company's financial problem had been resolved, and they only had to wait a month or two.

As for the company's current projects, it's business as usual.

Li Yu just finished stabilizing the hearts of the company when he received a call from Xu Maolin.

An hour later, Li Yu came to Xu Maolin's clubhouse in Tangxi Renjia's villa complex. Both Lin Peng and Lu Wenlong were there.

Good guy, the core figures of the small circle are all here...

They are all old acquaintances, and they are used to going straight about everything. Xu Maolin smoked a cigarette in one hand and said with a serious expression:
"Xiao Li, I asked someone from the supervision department, and they got the exact evidence, and there are people watching from above, so it's not easy to handle."

"In addition, something went wrong on the side of Xinwan Bank. Zheng Ming's old guy took action before we could react. We are also very passive now."

"I think this matter is strange. Did you offend someone outside?"

Xu Maolin deserves to be called a local snake and old Jianghu in Hefei. After a little inquiring and further analysis, he basically made a good guess.

Today these people are all his own people, Li Yu didn't hide it, and directly explained the transaction between himself and Shi Hu in detail.

Xu Maolin and the others gasped after hearing this.

"So, you actually owe 5 million?

I'm not talking about you, you're really taking a risk this time!

How can there be such a good thing in the world if you want to swallow a real estate worth 5 million yuan without spending a penny?Shi Hu made it clear that he wanted to dig a hole for you to jump in! "

Xu Maolin sighed again and again, thinking that Li Yu was still too young, it was too easy to succeed, and he was still drifting away after all...

Compared to Xu Maolin's indisputable anger, Lu Wenlong's mind was more complicated.

Because he is the head of the examination and approval department, Li Yu's loan was signed by him. If something happened to this 3 million loan, President Zheng Ming would definitely use this reason to deal with him.

At that time, he may not be able to keep his position as the head of the approval department...

Li Yu saw the expressions of several people in his eyes, but he was thinking about two things.

First of all, I need to appease the confidence of my teammates, especially Lu Wenlong, he was implicated by himself this time.

Secondly, it was Zheng Ming. He didn't even make trouble for him, but this guy actually made trouble for himself again!

What Li Yu is most afraid of is trouble, so he likes to completely wipe out anyone who makes trouble for him.

Well, there is no way to eliminate him physically, so send him in directly, or let him completely get out of his field of vision at worst.

Being able to be the president of a branch with great power in his hands, Li Yu did not believe that Zheng Ming was a saint...

"I am sure about the loan. You can help me gain a buffer time of 2 months. After 2 months, I will definitely be able to repay the 3 million loan."

Li Yu looked at Xu Maolin and Lu Wenlong, who were a little surprised when they heard Li Yu's words.

"Two months? Do you want to sell the villa at a low price to get back the money? It's not easy, unless you give a very low discount, otherwise you won't be able to sell that much in two months..." Xu Maolin reminded .

The current Hefei real estate market is still not improving, villas are not just in demand, the market demand is not strong, and it is even more difficult to liquidate.

After thinking for a while, Xu Maolin added: "My funds are also relatively tight now, and I can support you with a maximum of 1 million yuan. If there is more, there is no other way."

Li Yu didn't even ask for a loan, but Xu Maolin actually said it himself, which made Li Yu very moved...

Old Xu is good enough!
Li Yu was thinking, only to see Lao Xu change the subject.

"However, your company has even pledged its equity, and there is no mortgage. It is difficult for me to explain to other shareholders that you directly borrowed 1 million yuan.

How about this, you can talk to my Xiaolu about being friends first, then we will be a family, and the matter of borrowing money will be easy to talk about..."

Li Yu: "..."

Good old Xu, you have been digging a hole here to wait for yourself after a long time!

[-] million just want to make yourself a door-to-door son-in-law?

ha~tui!

It's beautiful to think of!
Li Yu rolled his eyes, he didn't want to answer Lao Xu's words at all.

"Don't worry about the loan, I have my own plans.

Lao Lu, I will go back and sign an early repayment agreement with you, and the repayment will be made in 2 months. Can you see if there is any way? "

Lu Wenlong was originally very worried about Li Yu's repayment of the loan, but now seeing that he was not interested in Lao Xu's 1 million loan, he was both surprised and relieved.

"Hahaha, since Mr. Li is so confident, I will definitely help you out."

Lu Wenlong was not bragging either. Although Xinwan Bank asked Li Yu to repay the loan in advance, the original loan contract was written for one year.

When the bank announced the early withdrawal of the loan, I was also very nervous. If Li Yu was willing to sign a contract and promise to repay the loan in two months, the bank would not push too hard.

In this regard, even if Zheng Ming wanted to make troubles, it would not work.

After negotiating the loan, Li Yu's teeth itch when he thought of Zheng Ming.

If it is said that the grievances between myself and the Shi family brothers are somewhat of a conflict of interest, then Zheng Ming and I are completely unilaterally finding fault...

Since you dare to pinch yourself as a soft persimmon, then don't blame yourself for not talking about martial arts.

Zheng Ming and Xu Maolin's faction fight, more or less have to take into account the unspoken rules, no one dare to tear their faces, but Li Yu doesn't care at all.

In the worst case, he would leave Xinwan Bank and have less income from fishing, which would have no effect on him.

"Old Xu, Zheng Ming, is there anything illegal or chaotic?"

Old Xu was depressed because of Li Yu's refusal to "recruit a son-in-law". When he heard Li Yu's question, he was slightly taken aback.

Immediately, he understood what Li Yu meant.

"You want to fuck him directly?"

Li Yu vomited blood, "I'm not interested in messing with men..."

"Since he dares to cut off my back, there is nothing else to say, as long as there is evidence, I will send him in directly.

As for myself, it doesn't matter, if someone above finds fault because of this, I will resign at worst..."

Xu Maolin originally wanted to persuade the young people not to be impulsive, but considering Li Yu's current situation, it would not be of much use to continue to hold a position in the bank.

In this case……

"He is full of five poisons, and there is a lot of black material, not only him, but also many middle-level people who mixed with him.

I will organize a set of materials for you later, one is also a report, and a group is also a report, you should just take them all together. "

It was rare to meet someone who was willing to carry explosives, and Xu Maolin directly regarded Li Yu as a human bomb.

Li Yu was stunned.

"Fuck! Old Xu, you are too dark, I thought you were trying to persuade me..."

"No, no, I sacrificed so much, you have to give me some benefits, otherwise I will definitely not take the blame."

Li Yu is not stupid. If he really did this, it would be equivalent to uprooting Zheng Ming's family. By then, Xu Maolin will completely control the power of the Hefei branch. The harvest should not be too great!

Seeing Li Yu's expression of his brother's clear settlement, Lao Xu's face hurts too.

It's not easy to fool the young man!

"Then tell me, what do you want?"

This question really stumped Li Yu.

What does Lao Xu have, the real estate company, apart from the house is money, he can't just ask for money and a house, right?
Besides the house, what else does Xu have?
Li Yu was complaining in his heart when he suddenly thought of something...

If you say what is the biggest shortcoming of your company now, it must be stable financing channels.

Just this time, the capital chain was cut off when it was said to be cut off.

If I didn't know the general trend of the future, I wouldn't even know how to die...

Moyu technology companies need a stable and safe financing channel. Apart from going public, the best channel for this is a bank.

What happened this time once again proved the truth: relying on others is worse than relying on oneself.

If you want to have a real right to speak in Xinwan Bank, you must have shares!

Thinking of this, Li Yu looked at Lao Xu with eager eyes.

Xu Maolin was waiting for Li Yu to raise the terms, when he suddenly saw him looking at him with fiery eyes, his heart trembled: Damn it!This kid has always refused to be his son-in-law, so he doesn't have any special hobbies...

Fortunately, Li Yu didn't know what Lao Xu was thinking, otherwise he would have to spit out all the food overnight.

"Old Xu, I really have a condition. I want to become a shareholder of Xinwan Bank. Do you have a solution?"

"Forehead……"

Xu Maolin's expression was startled, and he asked a little unsure:

"You're not kidding, are you?
To invest in Xinwan Bank, do you know the valuation of Xinwan Bank? "

"Of course, if you just want to buy tens of millions of shares for fun, that's easy, I'll just sell you a little bit..."

Li Yu just came up with the idea of ​​investing in Xinwan Bank. He really didn't know how much the bank was worth.

Seeing this, Xu Maolin could only teach him patience.

"Xinwan Bank has opened branches in 16 prefectures and cities in Huizhou Province. Except for Xinjiang, Tibet, Mongolia and the three eastern provinces, other provinces have branches. As of the first quarter, the bank's assets have just exceeded 1 billion, and its liabilities have been 7000 billion. billion, net assets of 6500 billion."

"Although the bank's valuation has never been high, if you want to buy shares, at least you have to float a few points on the basis of net assets..."

After listening to Xu Maolin's introduction, Li Yu exclaimed in his heart!
He has stayed in Xinwan Bank for nearly a year, and it is the first time he knows that Xinwan Bank has such a huge asset scale.

Net assets of 500 billion, Li Yu remembers that Xu Maolin seems to hold more than 5% of the shares, isn't the value more than 25 billion?
"Tsk tsk tsk, plus the assets of Chenghua Real Estate, you are a billionaire!"

Li Yu suddenly felt that it would be nice to be the son-in-law of the old Xu family...

"How about it, Xiao Li, do you still want to invest in Xinwan Bank?"

Xu Maolin looked at Li Yu playfully.

Hehe, let your heart be proud and arrogant, if you don't take a good blow to your arrogance, your son-in-law dream will be completely shattered...

Li Yu ignored Old Xu Jianxi's ridicule, he was calculating whether he could raise this huge sum of money.

500 billion!

If you want to have a real right to speak in Xinwan Bank, you must be like Xu Maolin, hold more than 5% of the shares, sit on the board of directors, and train your own senior executives within the bank.

If Hefei's real estate market skyrockets as planned, he can completely clear the two real estate projects in hand, and it seems that he can also collect 25 billion.

It's just that Li Yu's future plans for Moyu Technology Company also need a lot of money...

Seeing Li Yu's tangled expression, Xu Maolin felt amused, it seems that this kid still doesn't give up.

"Forget it, see that you are so ambitious, let me remind you again.

Bank shares can be pledged for loans, and the pledge rate can reach 80%, which means that you only need to actually invest 5 million yuan to get 25 billion shares.

But, don't blame me for not reminding you, in this case, your debts will be quite terrifying, be careful not to get involved..."

Ok?Invest in shares first, then refinance and cash out funds!
Awakened by Xu Maolin's words, Li Yu suddenly became enlightened.

Hey!
I was really confused in the bank, and I even forgot the operation of financing and leverage, which is really embarrassing to the bankers...

Although Xu Maolin reminded Li Yu, he didn't think Li Yu could really come up with 5 million funds.

Even if it can be taken out, if Li Yu bears a loan of 20 billion, he will have to pay hundreds of millions a year just for interest, even if Li Yu's company makes money, it can't bear it.

After all, Lao Xu just wanted to keep giving Li Yu hope, and then make him despair, and finally let him understand that there is still a way to make money by hugging his thigh...

Unfortunately, what Li Yu is thinking about now is another scene.

According to the forecast of future information, the house price increase in Hefei key areas can reach more than 60% in the future.

If the real estate projects can be emptied, the 5 million real estate properties in Baiyuefu Villa Community can earn 3 million.

The Golden Boy Land real estate complex is more complicated. Among them, the 25 billion residences are worth 60 billion after a 45% increase. After deducting 30 billion in debt and interest, there is still 15 billion.

The increase rate of the remaining 5 million commercial complexes is unknown, and it is estimated that it will not increase much, because there is an oversupply of commercial complexes in Binhu District, even if Li Yu wants to sell 5 million, it is probably not enough.

So in the most ideal state, Li Yu can earn up to 23 billion yuan.

Collecting 25 billion shares in Xinwan Bank, and then pledging the shares, Li Yu has as much as 18 billion funds at hand at any time.

Although Moyu Technology Company needs a large amount of investment, this investment is not a one-time investment, and Li Yu's financing pressure will not be so great.

Calculate it like this...

Very funny!
When he takes over the board of directors, he and Xu Maolin occupy two seats and hold 10% of the shares. The right to speak in Xinwan Bank will inevitably increase.

In the future, my mother will no longer worry about my financing problems...

I never dreamed that I would be able to work as a director in a bank. I am happy to think about it!
After the dinner was over, Li Yu bid farewell to several people. Before leaving, he did not forget to tell Lao Xu:
"Old Xu, don't forget to ask which shareholder wants to sell shares for me."

Old Xu was a little speechless, saying that you are fat and you are still panting.

(End of this chapter)