Baolu Tianxing
Chapter 79 Private Finance
When Da Ya waited for Wu Chen to hang up the phone, he said sadly, "No, Mu, why did she find you instead of me? "I completely forgot, I just called myself the uncle, it seems that I frightened the little girl very much.
"How do I know? Maybe she doesn't even know you're driving!" Wu Chen said with a chuckle.
"That makes sense!" Da Ya immediately nodded, feeling a sense of pride in his heart.But he thought about it again, this girl surnamed Zhou seems to have a lot of background, she shouldn't be the kind of girl who only wants to cry in a BMW and not laugh on a bicycle!
Thinking of this, more than half of the complacency in my heart disappeared immediately, and I couldn't help feeling a little embarrassed.Turning around and seeing Wu Chen driving with a smirk on his face, this kid must not have any good ideas in his heart!
No, you have to stimulate him well, it's not a buddy's style to always be passively beaten, "How is your Goddess Lin recently?"
"That's it." Wu Chen was stunned for a moment, unwilling to mention more, anyway, Da Ya knew about the previous situation, and it was hard to talk about what happened recently.
"Do you want to make an appointment to have dinner together?" Da Ya smiled cheaply, and said richly, "Isn't their company engaged in finance? By the way, how to manage money!"
"Crap, just do it!" Wu Chen rolled his eyes at him, how could he not know about your money management, don't you just want to show off!
Since that night of madness, Lin Zhen's attitude towards him has improved a lot, but she is still used to that kind of casual life. The two people's living habits and trajectories really overlap. However, apart from the occasional phone call, they haven't seen each other yet. Let's go!
But Wu Chen remembered that Zhang Jun was here, and he didn't know what happened to this guy.
How about calling him over to help?This society is too chaotic. In the past, people who were barefoot were not afraid of anything. Now that they have shoes to wear, they really need to take care of themselves.
Not to mention anything else, just take Jieshi as an example, without a capable assistant by his side, if something happens, I really don't know what to do!There will definitely be more occasions like this in the future, so I should find a bodyguard.
In his mind, Zhang Jun's plain and simple face emerged, um, a fierce general who can beat more than a dozen at a time without being injured!
When he got home, Wu Chen didn't delay, so he called Zhang Jun and learned that he was still in his hometown, helping the family with some farm work every day, and was in a hurry.
Wu Chen was also embarrassed to say it directly, for fear of hurting the other party, he just said that he had resigned now and was going to start some business, and he might have to run around a lot and needed an assistant, so he asked Zhang Jun if he would help him.
Zhang Jun couldn't tell that Wu Chen wanted to help himself.He was very grateful to Wu Chen for being so considerate of himself, and he readily agreed, saying that he would come over after packing up in the next two days.
After Wu Chen finished the call, Da Ya curiously asked who it was, and Wu Chen gave a general account of Zhang Jun's situation, and Da Ya became interested as soon as he heard it.
Like Wu Chen, he has a military background. When he heard that Zhang Jun was retired from the special forces, he insisted on asking for it. He was very impressed by the two black sunglasses and black suits behind Fatty Tang. They are the big bosses!
Wu Chen didn't bother to talk to him, let him make noise, and sent a message to Lin Zhen, saying that Zhang Jun had found something to do, and told her to take care, the weather was hot, don't stay in the air conditioner all day In the room, drink more water or something.
When Lin Zhen received Wu Chen's message, she was sorting out the materials. Recently, rumors about their company's involvement in money laundering have never stopped. , the big client nicknamed Boss Yao has been targeted.
Although the situation is calm on the surface, they all know that the investigation behind the scenes must have been carried out in secret, but they don't know when it will explode, whether it will hit a certain executive, or drag the entire ship down.
This kind of depressive emotion has been permeating the company for a long time, making people panic.
The investment committee, composed of several partners, held several meetings in a row, and internal differences finally broke out.
Two partners chose to leave the company, and the other three continued to stick to it. They just made a series of adjustments to the company's business and shrunk a lot of camps. They sold all their previous industrial investment businesses such as mines and hotels. up.The liquidation of the two partners requires a lot of money, and now that the policy is tightened, cash is king.
After the integration, the businesses mainly focus on VC/PE business in high-tech, biological and other fields, small and medium-sized loans, and some second-hand market investments. Hazel was working on it, and finally changed the recruitment letter N times and passed it, but was suspended from business again.
Fortunately, during this adjustment, she has been promoted. In addition to being an assistant to the investment director, she is also in charge of the internal administrative team. After all, there are also a few girls and boys under her command.
At this moment, while Lin Zhen was sorting out the materials, she remembered Xu Sanduo's lecture in the afternoon: "Remember, for those of us who make funds and play capital, customers are definitely not gods. They need our training and guidance. They are just us. consumers, and we are a seller’s market, they need funds, so they must respect our rules and do what we ask.”
In fact, he has said so much. As the saying goes, if you are rich, you are the boss, but Mr. Xu will never say that. He belongs to the kind of person who has been deeply influenced by gentleman culture since he was a child. The use of folk slang is also very unclear.
Xu San was just forty years old. He is not tall, has a straight face, bright eyes, and is full of energy. He is also from Chaoshan, but he was born in the Hong Kong government. His father is an academician of a Chinese Academy of Sciences. The well-known Chaoshan business district in this metropolis.
He finished his undergraduate studies at the Chinese University of Hong Kong, went to Melbourne to study for a master's degree in finance, and returned to the Hong Kong government to work in the group that spans the fields of real estate, entertainment, and finance, and whose name is related to the British royal family.Later, he was transferred to the mainland to be responsible for the financial business of the group in the mainland.
A few years later, he used his own resources to start the company with several partners. Among the partners, his age and qualifications were not outstanding, but he firmly occupied the role of investment director from the very beginning. Commanding heights, basically the core business of the company needs to go through his hands. As a partner of the company, he has an important influence in the investment committee, but more importantly, he has a veto right before the project meeting.
Over the past few years, Xu Sanduo has become one of the most experienced private financial experts in the Triangle area, mainly due to the access to information on the secondary market and the mature private lending model of the Hong Kong government.
Before the country gradually liberalized personal microfinancing, he had introduced the Hong Kong-style private lending model to Guangfu and Tuchuan City, a fertile land with a long history of private lending, and registered a finance company as a subsidiary of the group, specializing in Small and medium-sized enterprises and private lending, after a few years, this business has not only gained a firm foothold in the industry, but also faintly became the leader in the industry, thanks to the company's standardized management.
Of course, this business has always been in a gray area. Regarding the source of funds, there are naturally some black money and hot money. The government's control is also loose and tight, and they survive in this crack.The reason why they are keen on it is mainly because the outside world does not know how much "money" is really flowing in it!And the benefits are so high.
In the folks, this kind of behavior is often simply called "usury", but Xu Sanduo has always been disgusted with this term. What he has always declared to the outside world is: "provide comprehensive financial solutions, create and share value with customers".
For a financial company with mixed operations like theirs, it not only raises external funds, but also invests externally. According to the risk and nature of the project, it also makes loans. Of course, in order to avoid policy risks, the business is split into different subsidiaries, just the team Still in the same class.
Now that the industry investment is in a tight spotlight, it is put down temporarily, and the secondary market is also very bad. Global funds are returning to the United States. They have begun to have accounts in major stock markets around the world, but they mainly focus on H-shares and A-shares. The performance of the secondary market directly affects their PE and upstream VC business, so now their main focus is on private lending.
Comprehensive funding solutions are invaluable for small and medium-sized enterprises that are extremely hungry for funds. Especially in the triangle area, more than 90.00% of them are small, medium and micro enterprises. Many enterprises have insufficient cash flow and lack of bank borrowing channels. If there is no private capital Support, I'm afraid many of them will go bankrupt!Now is the era when cash is king. Only when companies have cash can they survive and have the opportunity to grow bigger. It is natural and normal to charge higher fees.
Similarly, in order to avoid policy risks, when lending to enterprises, the industry generally adopts a comprehensive charging method combining interest and management fees, and most of the costs of enterprises are included in various expenses.If it is further refined, it can also be detailed as management fees, consultant fees, etc.
They come from equity investment backgrounds. Although they do not seek controlling shares in each investment, and usually never check the operation of the joint venture companies, appropriate supervision is still required. Some management systems, corporate culture, etc. provide help to grow together.As for personal business loans, they are even more cautious, and in many cases even turn corporate behavior into personal behavior.
Because of the company's changes, Lin Zhen has been very busy recently, and hasn't contacted Wu Chen for a long time, and occasionally received Wu Chen's messages. Although she didn't scan it in a hurry like before and often didn't reply, she really didn't have time to find him.Even my best friend Xu Jing called several times to complain or see no dead or dead bodies!
She smiled wryly, finished sorting out the materials, followed Xu Sanduo to accompany the client to dinner, and then rushed to a secluded teahouse in the Pearl River Park to attend another client's appointment.
This client is also from Chaoshan, surnamed Ou, and his father is considered a rich man in his hometown county. Many real estate projects were developed by them, and he came out to develop himself.It is also considered active in the circle, and often invites gatherings in the old villages of Guangfu. This time, I want to open a club in the racecourse. The funds are a bit tight. I asked Xu Sanduo and the others for financing. As for whether it is a partnership or a loan, I have to wait for the two parties to evaluate each other Decide on a plan.
Seeing the big men drinking tea talking and laughing happily, Lin Zhen couldn't help thinking that if she had some personal funds and participated in this circle, she wouldn't waste these resources in vain.
Pity!For some reason, she thought of Wu Chen. If he had the start-up funds, I believe he would do better than these men in front of him, right? !
"How do I know? Maybe she doesn't even know you're driving!" Wu Chen said with a chuckle.
"That makes sense!" Da Ya immediately nodded, feeling a sense of pride in his heart.But he thought about it again, this girl surnamed Zhou seems to have a lot of background, she shouldn't be the kind of girl who only wants to cry in a BMW and not laugh on a bicycle!
Thinking of this, more than half of the complacency in my heart disappeared immediately, and I couldn't help feeling a little embarrassed.Turning around and seeing Wu Chen driving with a smirk on his face, this kid must not have any good ideas in his heart!
No, you have to stimulate him well, it's not a buddy's style to always be passively beaten, "How is your Goddess Lin recently?"
"That's it." Wu Chen was stunned for a moment, unwilling to mention more, anyway, Da Ya knew about the previous situation, and it was hard to talk about what happened recently.
"Do you want to make an appointment to have dinner together?" Da Ya smiled cheaply, and said richly, "Isn't their company engaged in finance? By the way, how to manage money!"
"Crap, just do it!" Wu Chen rolled his eyes at him, how could he not know about your money management, don't you just want to show off!
Since that night of madness, Lin Zhen's attitude towards him has improved a lot, but she is still used to that kind of casual life. The two people's living habits and trajectories really overlap. However, apart from the occasional phone call, they haven't seen each other yet. Let's go!
But Wu Chen remembered that Zhang Jun was here, and he didn't know what happened to this guy.
How about calling him over to help?This society is too chaotic. In the past, people who were barefoot were not afraid of anything. Now that they have shoes to wear, they really need to take care of themselves.
Not to mention anything else, just take Jieshi as an example, without a capable assistant by his side, if something happens, I really don't know what to do!There will definitely be more occasions like this in the future, so I should find a bodyguard.
In his mind, Zhang Jun's plain and simple face emerged, um, a fierce general who can beat more than a dozen at a time without being injured!
When he got home, Wu Chen didn't delay, so he called Zhang Jun and learned that he was still in his hometown, helping the family with some farm work every day, and was in a hurry.
Wu Chen was also embarrassed to say it directly, for fear of hurting the other party, he just said that he had resigned now and was going to start some business, and he might have to run around a lot and needed an assistant, so he asked Zhang Jun if he would help him.
Zhang Jun couldn't tell that Wu Chen wanted to help himself.He was very grateful to Wu Chen for being so considerate of himself, and he readily agreed, saying that he would come over after packing up in the next two days.
After Wu Chen finished the call, Da Ya curiously asked who it was, and Wu Chen gave a general account of Zhang Jun's situation, and Da Ya became interested as soon as he heard it.
Like Wu Chen, he has a military background. When he heard that Zhang Jun was retired from the special forces, he insisted on asking for it. He was very impressed by the two black sunglasses and black suits behind Fatty Tang. They are the big bosses!
Wu Chen didn't bother to talk to him, let him make noise, and sent a message to Lin Zhen, saying that Zhang Jun had found something to do, and told her to take care, the weather was hot, don't stay in the air conditioner all day In the room, drink more water or something.
When Lin Zhen received Wu Chen's message, she was sorting out the materials. Recently, rumors about their company's involvement in money laundering have never stopped. , the big client nicknamed Boss Yao has been targeted.
Although the situation is calm on the surface, they all know that the investigation behind the scenes must have been carried out in secret, but they don't know when it will explode, whether it will hit a certain executive, or drag the entire ship down.
This kind of depressive emotion has been permeating the company for a long time, making people panic.
The investment committee, composed of several partners, held several meetings in a row, and internal differences finally broke out.
Two partners chose to leave the company, and the other three continued to stick to it. They just made a series of adjustments to the company's business and shrunk a lot of camps. They sold all their previous industrial investment businesses such as mines and hotels. up.The liquidation of the two partners requires a lot of money, and now that the policy is tightened, cash is king.
After the integration, the businesses mainly focus on VC/PE business in high-tech, biological and other fields, small and medium-sized loans, and some second-hand market investments. Hazel was working on it, and finally changed the recruitment letter N times and passed it, but was suspended from business again.
Fortunately, during this adjustment, she has been promoted. In addition to being an assistant to the investment director, she is also in charge of the internal administrative team. After all, there are also a few girls and boys under her command.
At this moment, while Lin Zhen was sorting out the materials, she remembered Xu Sanduo's lecture in the afternoon: "Remember, for those of us who make funds and play capital, customers are definitely not gods. They need our training and guidance. They are just us. consumers, and we are a seller’s market, they need funds, so they must respect our rules and do what we ask.”
In fact, he has said so much. As the saying goes, if you are rich, you are the boss, but Mr. Xu will never say that. He belongs to the kind of person who has been deeply influenced by gentleman culture since he was a child. The use of folk slang is also very unclear.
Xu San was just forty years old. He is not tall, has a straight face, bright eyes, and is full of energy. He is also from Chaoshan, but he was born in the Hong Kong government. His father is an academician of a Chinese Academy of Sciences. The well-known Chaoshan business district in this metropolis.
He finished his undergraduate studies at the Chinese University of Hong Kong, went to Melbourne to study for a master's degree in finance, and returned to the Hong Kong government to work in the group that spans the fields of real estate, entertainment, and finance, and whose name is related to the British royal family.Later, he was transferred to the mainland to be responsible for the financial business of the group in the mainland.
A few years later, he used his own resources to start the company with several partners. Among the partners, his age and qualifications were not outstanding, but he firmly occupied the role of investment director from the very beginning. Commanding heights, basically the core business of the company needs to go through his hands. As a partner of the company, he has an important influence in the investment committee, but more importantly, he has a veto right before the project meeting.
Over the past few years, Xu Sanduo has become one of the most experienced private financial experts in the Triangle area, mainly due to the access to information on the secondary market and the mature private lending model of the Hong Kong government.
Before the country gradually liberalized personal microfinancing, he had introduced the Hong Kong-style private lending model to Guangfu and Tuchuan City, a fertile land with a long history of private lending, and registered a finance company as a subsidiary of the group, specializing in Small and medium-sized enterprises and private lending, after a few years, this business has not only gained a firm foothold in the industry, but also faintly became the leader in the industry, thanks to the company's standardized management.
Of course, this business has always been in a gray area. Regarding the source of funds, there are naturally some black money and hot money. The government's control is also loose and tight, and they survive in this crack.The reason why they are keen on it is mainly because the outside world does not know how much "money" is really flowing in it!And the benefits are so high.
In the folks, this kind of behavior is often simply called "usury", but Xu Sanduo has always been disgusted with this term. What he has always declared to the outside world is: "provide comprehensive financial solutions, create and share value with customers".
For a financial company with mixed operations like theirs, it not only raises external funds, but also invests externally. According to the risk and nature of the project, it also makes loans. Of course, in order to avoid policy risks, the business is split into different subsidiaries, just the team Still in the same class.
Now that the industry investment is in a tight spotlight, it is put down temporarily, and the secondary market is also very bad. Global funds are returning to the United States. They have begun to have accounts in major stock markets around the world, but they mainly focus on H-shares and A-shares. The performance of the secondary market directly affects their PE and upstream VC business, so now their main focus is on private lending.
Comprehensive funding solutions are invaluable for small and medium-sized enterprises that are extremely hungry for funds. Especially in the triangle area, more than 90.00% of them are small, medium and micro enterprises. Many enterprises have insufficient cash flow and lack of bank borrowing channels. If there is no private capital Support, I'm afraid many of them will go bankrupt!Now is the era when cash is king. Only when companies have cash can they survive and have the opportunity to grow bigger. It is natural and normal to charge higher fees.
Similarly, in order to avoid policy risks, when lending to enterprises, the industry generally adopts a comprehensive charging method combining interest and management fees, and most of the costs of enterprises are included in various expenses.If it is further refined, it can also be detailed as management fees, consultant fees, etc.
They come from equity investment backgrounds. Although they do not seek controlling shares in each investment, and usually never check the operation of the joint venture companies, appropriate supervision is still required. Some management systems, corporate culture, etc. provide help to grow together.As for personal business loans, they are even more cautious, and in many cases even turn corporate behavior into personal behavior.
Because of the company's changes, Lin Zhen has been very busy recently, and hasn't contacted Wu Chen for a long time, and occasionally received Wu Chen's messages. Although she didn't scan it in a hurry like before and often didn't reply, she really didn't have time to find him.Even my best friend Xu Jing called several times to complain or see no dead or dead bodies!
She smiled wryly, finished sorting out the materials, followed Xu Sanduo to accompany the client to dinner, and then rushed to a secluded teahouse in the Pearl River Park to attend another client's appointment.
This client is also from Chaoshan, surnamed Ou, and his father is considered a rich man in his hometown county. Many real estate projects were developed by them, and he came out to develop himself.It is also considered active in the circle, and often invites gatherings in the old villages of Guangfu. This time, I want to open a club in the racecourse. The funds are a bit tight. I asked Xu Sanduo and the others for financing. As for whether it is a partnership or a loan, I have to wait for the two parties to evaluate each other Decide on a plan.
Seeing the big men drinking tea talking and laughing happily, Lin Zhen couldn't help thinking that if she had some personal funds and participated in this circle, she wouldn't waste these resources in vain.
Pity!For some reason, she thought of Wu Chen. If he had the start-up funds, I believe he would do better than these men in front of him, right? !
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