The world's richest man started by developing gutter oil

Chapter 93 90: Yin Ruoyue’s family status

"Brother Chen, I'll tell you what's going on. This is how we operate," Wang Shaoling said as he took out a contract from his bag and put it on the table.

Wang Shaoling's method of operation is to use a financial consulting company to sign a gambling agreement with Han Chen's company. They will use this financial consulting company to help Han Chen's company solve the problem of attracting investment.

Wang Shaoling's contract is very clearly written.

They will help Han Chen attract investment in the market with a valuation of 300 billion, of which 30% of the shares will be sold to the market in the form of financing, and another 10% of the shares will be sold in the form of cash.

If they successfully help Han Chen sell 300% of the shares at a valuation of 40 billion, then Han Chen will pay them 5% of the shares as compensation.

Han Chen did not expect that there were no traps in the contract. Only after they helped Han Chen reach an agreement could they obtain these shares from Han Chen. Only after meeting the two conditions of financing and cashing out could Han Chen need to pay them. 5% of the shares as compensation.

The financial advisory firm gets nothing if they complete just one of these.

However, they also have two conditions that Han Chen needs to meet. The first is that the company must be managed by professional managers. The second is that Han Chen must fully cooperate with the company's listing. The professional managers who manage the company can be managed by Han Chen. You can hire them yourself, or they can find the right people to manage them.

"Brother Chen, regarding professional managers, we feel that you have too many projects on hand. It is impossible for one person to manage so many projects. After all, one person's energy is very limited. It is best for this biofuel company to have professional managers. to manage it, so that we can also explain to investors." Wang Shaoling explained.

They conducted an in-depth investigation into Han Chen's situation yesterday, and this is also the result they reached after their investigation.

In fact, Han Chen fully agrees with the idea of ​​finding professional managers to manage the company.

With his current situation, he really doesn't have that much thought to manage the company. It doesn't mean that people will buy the bio-aviation fuel produced by the company, but someone still needs to operate and manage the company. Sometimes, it doesn't mean that your products are cheap, there will be people. purchase.

There are also many humanistic things involved.

In addition, there is another reason why they do not want Han Chen to manage the biofuel company.

Because Han Chen has not been engaged in related industries, Han Chen cannot manage this company with his ability. It is most suitable for professional managers to manage it.

"I have no objection to your two conditions." Han Chen said after putting down the contract.

Han Chen picked up a signature pen from the table and signed his name on the contract. Since this contract did not have any contract traps, they had one point before Wang Shaoling and the others completed the two tasks on the contract. You can't even get paid in money.

Han Chen is not afraid to sign his name on the contract.

"It seems that there is no need for me, a barrister, to help you check the contract." Yin Ruoyue pouted and looked at Han Chen resentfully.

"It's okay, I'll still have a place for you in the future." Han Chen said with a smile.

Putting aside her height, Yin Ruoyue's pouting look is very cute. Yin Ruoyue has all her advantages except for her height. To be precise, height is also Yin Ruoyue's advantage. After all, who doesn't like such a pair of long legs.

If only I could put these legs on my shoulders
cough cough.

That must be a very fulfilling thing.

"Brother Chen is so cool." Wang Shaoling picked up the contract and confirmed that there was no problem with Han Chen's signature and said: "Brother Chen, let me tell you about the listing. We plan to use a backdoor listing to list your company. This The backdoor target was Demian shares.

Demian Co., Ltd. sold all its assets and liabilities to us for about 3 million yuan. The current debt ratio of Demian Co., Ltd. is 2.7 million yuan, which means that the total price of Demian Co., Ltd. is only 5.7 million yuan. After acquiring Demian Co., Ltd. After acquiring the shares, we will inject another 5 million in capital.

After capital injection and dilution, we hold 85% of Demian shares, and then we merged Deep Blue Aviation Biofuel into Demian shares.

After the reorganization and listing, the shares you originally held will be diluted from 55% to 46.75%, but this does not affect your control of the company. "Wang Shaoling explained.

"As the saying goes, it's better to arrive early than to arrive by chance. It seems that I am the one who arrives by chance." Han Chen said with a smile.

It seemed that Wang Shaoling's friends were in the shell selling business. It happened that he mentioned the biofuel project to them, so Wang Shaoling integrated the resources on hand and came up with such a financing and listing plan.

"Brother Chen really came by chance this time." Wang Shaoling said with a smile.

It is estimated that many people want to ask Han Chen whether this project has not been confirmed yet. Why did Wang Shaoling dare to sign a cooperation contract with Han Chen?
In fact, Wang Shaoling had already received the news about Han Chen's research and development of aviation biofuel. He had been waiting for the day when Han Chen completed the research, and then found a way to cooperate with Han Chen. He did not expect that Han Chen would come to his door. Come.

Although it says so.

Isn't Wang Shaoling afraid that Han Chen's aviation biofuel is fake?
This kind of thing is nothing to be afraid of for Wang Shaoling. Even if they sign the contract, they have to see Han Chen's research, and they also have to see whether Han Chen's research is real, otherwise they will not help easily. Han Chen financed this project.

Moreover, Han Chen's project is not an ordinary project. It must be verified by the China Aviation Research Institute.

Since Wang Shaoling was able to obtain relevant information from Zhang Jianxin, he could also obtain information from the Aviation Research Institute through connections.

He dared to sign a contract directly with Han Chen to express his trust in Han Chen. Even if Han Chen's aviation biofuel project could not be realized, Wang Shaoling would not suffer any loss no matter what the outcome of this matter.
If Han Chen's project is fake, at most he will just waste a few pieces of white paper.

It was clearly written in the contract that if Han Chen's project could not be commercialized, then they had the right to terminate the consulting contract with Han Chen.

Judging from the whole card, Wang Shaoling is doing the White Wolf thing with empty gloves, but he actually uses his own interpersonal relationships. Without certain interpersonal relationships, it is impossible to obtain shares from Han Chen.

The interpersonal relationships of people like Wang Shaoling are exactly what Han Chen lacks.

Of course, it does not mean that this project would not have been able to develop without Wang Shaoling's relationship, but the development process would have become quite slow. Wang Shaoling's existence helped Han Chen solve many problems that took a lot of time to solve.

The reason why Han Chen is willing to share the aviation biofuel project is because he cannot handle such a large project alone.

Of course there is another reason besides this reason.

As long as Han Chen successfully cashes out, he can repay the 30 billion debt owed to the bank. Without the debt burden, Han Chen does not have to worry about other people's mischief. Although Han Chen has sacrificed some of his interests in aviation biofuels, the result of the sacrifice has been for him. Solved a lot of problems.

"Brother Chen, when will your project be verified by relevant agencies?" Wang Shaoling asked.

"I had someone send a ton of biofuel to the capital yesterday. I will fly to the capital tomorrow morning. The China Aviation Research Institute will help verify these fuels. It is estimated that the entire verification cycle will take three months. I may I'll stay there for about a month," Han Chen replied.

"Then I'll be waiting for your good news in Shenzhen City." Wang Shaoling said with a slight smile.

"I will definitely bring you good news when I come back." Han Chen said with a smile.

"Brother Chen, I saw that Penguin has also launched a walkie-talkie function. What Penguin has done is really disgusting. Will Penguin's launch of walkie-talkies have an impact on WeChat?" Wang Shaoling asked, changing the subject.

Ever since he knew that WeChat was developed by Han Chen, he had included this project as a key concern.

After analysis, he felt that WeChat was likely to become the second Penguin and the third largest instant messaging software platform in China.

The valuation of Fetion alone has exceeded 1000 billion soft sister coins, and the valuation of Penguin has reached 2500 billion Hong Kong dollars. If WeChat can break out of the tight encirclement, then the valuation of WeChat will be at least [-] billion or more. Who is willing to let such a piece go? Super big cake.

If he can get a piece of the pie, he can earn at least a few hundred million soft girl coins.

"It will have a slight impact, but it will be difficult for Penguin to defeat WeChat. WeChat specializes in niche markets. Penguin's real enemy is not WeChat. Penguin's real enemy is Fetion. If WeChat wants to defeat Penguin, then It is impossible. Only Fetion can defeat Penguin. However, the nature of Fetion has destined its success or failure. Fetion will eventually fall at the feet of Penguin and WeChat.

It is impossible for WeChat to defeat Penguin, and it is also very difficult for Penguin to defeat WeChat. The final result is likely to be a coexistence of the two.

Whether WeChat can continue to be sustainable depends on whether WeChat can find a way to make money. As for WeChat's way of making money, I have already found it here. You will know how WeChat makes money when you wait for the version update. "Han Chen said with a slight smile.

Han Chen did not disclose WeChat's profit method to the other party. Han Chen felt that it was better to put it aside first and talk about it later.

"If you need any help, please tell me." Wang Shaoling said with a slight smile.

Han Chen naturally understands what Wang Shaoling means, but he does not plan to let others invest in WeChat for the time being. He does not intend to let anyone invest in WeChat until the market value of WeChat reaches 500 billion. Facing Penguin King Shaoling, there is nothing he can do to help. .

wrong.

Han Chen suddenly remembered that there was something he could ask Wang Shaoling to help him with.

I just don't know if he has the ability to help.

"I have an idea that I need to cooperate with the bank, but I don't know if you can help." Han Chen said.

"I dare not say that my relationship with banks in Shenzhen City ranks among the top three, but there is no problem in ranking among the top ten." Wang Shaoling said.

Wang Shaoling immediately became energetic when he heard that Han Chen needed help. Wouldn't this be an opportunity to cooperate with Han Chen?

"I plan to set up an Internet payment company. I want to set up a platform similar to Alipay. I definitely can't build this platform by myself. I wonder if you know of a talented person in this field to invest in and cooperate." Han Chen said.

"Brother Chen, are you planning to build a shopping platform on WeChat?" Wang Shaoling asked.

You must know that the payment platform has not yet found a profitable direction. Apart from building a shopping platform, Wang Shaoling does not know what Han Chen is doing. In his opinion, building a shopping platform is the only way to explain it.

It’s quite good to use WeChat Moments to do business.

Many of his friends sell things in WeChat Moments.

ummm
Micro-business was born out of nowhere.

"I don't plan to build a shopping platform for the time being. I build a payment platform to occupy the payment market. You should know the WeChat QR code function. If you go out to make purchases, you don't need to bring a wallet. You only need to scan it with WeChat." Payment, will you like this method of payment?" Han Chen asked.

"Of course I like it if it's so convenient." Yin Ruoyue nodded.

"It's convenient, but how to make money?" Wang Shaoling asked curiously.

The payment method Han Chen mentioned is indeed convenient, but how does the payment platform make money? Projects without profit have no future.

“If everyone is using WeChat Pay and is accustomed to using WeChat Pay, they will not withdraw the money in it, and it will be deposited in large quantities in the platform account. Of course, it is impossible for us to remove the money. It's okay, but the bank has to pay us interest.

If there are 100 billion funds left on WeChat, how much interest can we earn in a day? "Han Chen asked with a smile.

"About 100 yuan a day." Wang Shaoling's eyes lit up when he said this. (The interest rate of 0.35 billion per day is 95890 yuan based on the current deposit interest rate of [-]%)
It turns out that payment platforms can be so profitable. No wonder Han Chen wants to build a payment platform. One hundred thousand a day is 650 million a year. If the funds retained in WeChat reach 200 billion, WeChat can earn 7000 million a year just from interest. interest.

Calculated in this way, it is indeed a very scary number.

“When everyone becomes accustomed to using WeChat payment, we can also charge fees from merchants, and we can also sell financial products on the platform. In addition, we can also provide value-added services to customers, such as using WeChat to provide customers with phone recharges. Daily recharge of water and electricity bills, etc.

As long as we have users, we can do a lot of things with WeChat Pay. Only you can't think of things that can't be done without WeChat Pay. "Han Chen said.

Hearing this, Yin Ruoyue felt that Han Chen was really a genius. She didn't expect that the payment platform could be used in this way. If WeChat could really provide these services, many people would definitely use such convenient functions.

WeChat payment will become a very large financial system.

No wonder Han Chen wants to find talented people to invest in WeChat Pay to cooperate. Without any relationship, this platform really cannot be used.

“Although WeChat Pay relies on WeChat for use, I plan to make WeChat Pay independent, just like Alipay’s Alipay. It would be best if a bank becomes a shareholder, so as to avoid a lot of unnecessary troubles.

If Shaoling you can handle this matter, then I welcome you to become a shareholder of WeChat Pay. "Han Chen said.

"Brother Chen, maybe I can help you get Zhaoshang Bank." Yin Ruoyue said with a smile.

At this time, her eyes were already narrowed into crescent moons, because her grandfather was a senior executive in the investment department of Shenzhen Zhaoshang Bank, and Han Chen's project was also a very good project.

Yin Ruoyue still has a certain understanding of her grandfather's work.

This is why she told Han Chen that she might be able to help Han Chen get a bank to invest in this project.

Can banks make equity investments in other companies?
The answer is yes.

There are usually two modes of operation of banks in equity investment: one is direct investment, and the other is indirect investment.

Direct investment means that a bank directly purchases or participates in the purchase of equity and becomes one of the shareholders of the company.

In this way, banks can directly participate in the company's operation and management, have a more direct understanding of the company's operating conditions, and better grasp investment risks.

Indirect investment means that banks invest in equity investment fund managers or private equity fund managers through investment tools such as equity investment funds and private equity funds, and let the fund managers invest on behalf of the bank.

In this way, the bank is only an investor in the equity investment fund and does not directly participate in the company's operation and management.

In general, the choice of a bank's operating model in equity investment depends on its risk management requirements, operational capabilities, and understanding and analysis of the investment market.

Banks participate in equity investments for multiple reasons.

On the one hand, banks can obtain higher returns by participating in corporate equity investments, thereby increasing profits.

On the other hand, banks can also understand industry trends, company operating conditions and other information through equity investment, providing more diversified and comprehensive data support for their business expansion.

It is worth noting that as a financial institution, banks need to strictly abide by relevant laws, regulations and regulatory provisions when participating in equity investment activities, and must operate within the scope of laws and regulations.

The role of banks in equity investment is becoming increasingly important.

Through equity investment, banks can not only achieve capital appreciation, but also improve their core competitiveness.However, when participating in equity investment activities, banks must always pay attention to risk management and operate legally and compliantly.

(End of this chapter)