Gold Investor

Chapter 103 Self-reliance (7)
Fang Yubin couldn't help but think of two past events. The first one was the reunion dinner in Taipei.Between Wang Cheng, Zhao Xiaoqing, and Cao Bohua, there was a deep hatred between them. In the end, in the face of real interests, they actually chose to reconcile.In the eyes of these big shots, there must be only interests and no enmity.

The second thing is the Audi A8 car I am driving at the moment.Not only did Fei Yunpeng stop Wu Juntong, but he even generously gave the car to himself.He also said that Fang Yubin had made great contributions to the company, and this car was considered a reward.

joke!Didn't Fei Yunpeng know that Fang Yubin had betrayed him a long time ago, and didn't he hate such a traitor in his heart?However, in order to balance the interests of the faction, he can reuse Fang Yubin; even if they parted ways, he was still polite on the surface, and even gave him a luxury car as a gift.Fei Yunpeng knew that Fang Yubin could not be his friend, but he didn't have to be his enemy either.A second-hand car is just a piece of cake for him, but it can save enemies and walls, why not do it?
Fang Yubin thought silently, from these seniors, he should learn that one cannot be dominated by emotions, and forgiveness is not only a mind, but also a kind of wisdom.Forgiving Yu Fei will not add a friend, but revenge to Yu Fei will attract a deadly enemy.Manipulating stock prices is not a capital crime. With Yu Fei's ability, he will be able to regain his freedom in a few years.At that time, Fang Yubin, did he still have to be distracted all the time, beware of this mad dog?
Not to make mortal enemies, not to seek out buddies - I once said this to Yu Fei, but unfortunately the other party turned a deaf ear to it, and made enemies everywhere, and finally ended up being embattled on all sides.At this moment, why should I repeat the same mistakes?
The traffic on the expressway gradually became smoother. Just like Fang Yubin's state of mind, he slammed the accelerator and galloped away.Tong Xiaozhi has already left, let that evidence hide in a dark corner forever.

As soon as Fang Yubin returned to the urban area, his cell phone rang.After connecting, Su Jin asked, "What are you doing?"

"In the company." Fang Yubin said casually.

"Lie." Su Jin's tone was not high, but his tone was extremely indifferent, "I saw you off at Pudong Airport just now, and I saw you."

Fang Yubin's head buzzed, and it took a few seconds for him to come back to his senses, and said, "I went to the airport just now, and now I'm back at the company."

"What are you doing at the airport?" Su Jin continued to ask.

Fang Yubin knew that at this time he could only confess and be lenient, so he said, "I'll go see Tong Xiaozhi."

The volcano in Su Jin's chest finally erupted: "Last time on the plane, you sneaked up to see Tong Xiaozhi, and I didn't bother with you. After so many things happened, you still couldn't forget her? She was the woman who ruined my brother's reputation." , can't you respect my feelings?"

Fang Yubin quickly explained: "Tong Xiaozhi is going abroad, and he won't be back for a long time. I think everyone will get to know each other once, so I will go and give her away. Maybe this is the last time I will see her, and we will never contact her again." Then, he said: "We are getting married soon, don't make it unpleasant for a woman who is far away in the sky or even you will never see for a lifetime."

"Who wants to marry you? If you don't think it's dirty, go and marry Tong Xiaozhi!" Su Jin yelled in a rare way.

Fang Yubin took out his usual trick of smiling and said, "I don't want to marry her, I just like you."

"But I don't like you. There's no need to get married, let's break up." This time, Fang Yubin's tactic failed.Su Jin replied coldly and hung up the phone.

7 Putting money in your own pocket is like a backlog of products in the warehouse

Fang Yubin picked up the phone, and Yuan Ruilang's voice came from inside: "You are not mean enough, you didn't show up for the establishment ceremony of Yijia Financial Holdings."

Half a month ago, Yuan Ruilang's long-prepared Internet finance company - Yijia Financial Holdings was established, and its P2P financial website was also officially launched.Fang Yubin originally planned to attend such a big event, but that day was the birthday of Su Jin's father, Su Dingguo.

Because of going to the airport to see off Tong Xiaozhi, Su Jin not only had a big fight with Fang Yubin on the phone, but also canceled all the wedding banquets that had been booked.Fang Yubin came to the door several times to explain, but was also rejected.The more it was like this, the more he had to compete for performance. Naturally, Su Jin's father had to be present for such things as his father's birthday.

When they came to Binhai, the Su family was very enthusiastic.Fang Yubin, Su Jin's mother, said that the wedding banquet was postponed because it was postponed. Anyway, the invitations had not been sent out yet, so pick another good day and hold it in a splendid manner.Su Hao also said that his younger sister is arrogant and stubborn, please forgive me.It's just that Su Jin always ignored him, which made him very embarrassed.

Fang Yubin talked about his difficulties on the phone, but Yuan Ruilang laughed loudly: "I know that Teacher Su is playing with you recently, who told you to eat what's in the bowl and still miss the one outside."

Fang Yubin shook his head and said, "You know that's not the case, so don't make fun of me."

"Come back to business, are you in Shanghai tomorrow?" Yuan Ruilang asked.

"Yes." Fang Yubin said.

"That's good." Yuan Ruilang said, "If you have nothing to do, accompany me to Jiangzhou." He continued: "An enterprise in Jiangzhou wants to take a loan from Yijia Financial Holdings. I am very interested in this project." Look good, you have stayed in Jiangzhou, you are familiar with the situation there, help me to refer to it.”

"Okay." Fang Yubin agreed straight away. As an investor and the largest shareholder of Yijia Financial Holdings, he also wanted to know the operation of the company.

The next day, the two set off for Jiangzhou.On the road from Shanghai to Jiangzhou, they ran countless times in the past, and now they are walking together again, and it is inevitable that they will feel emotional and emotional.After reminiscing about the past, Fang Yubin brought the topic back to the present: "After the P2P platform is launched and operated, what is the effect?"

Yuan Ruilang immediately danced and said that the platform has only been online for half a month, and the transaction amount is approaching the 2000 million mark.He also talked about a socialite in Shanghai who wanted to put 2000 million in cash on the platform of Yijia Financial Holdings for financial management.After looking at it, the business manager said that such a large amount of wealth management funds has exceeded the upper limit stipulated by the company.Later, a leader personally called Yuan Ruilang, hoping that he would take care of him.Yuan Ruilang did special things, split the [-] million funds into several tranches, and put them into the Yijia platform.

Yuan Ruilang said proudly: "In two months, I plan to make a rule in the company that the funds brought in by the salesperson, if it is less than 10, will not be included in the assessment, and there will be no performance commission."

Fang Yubin nodded and said, "It seems that the deposit is going well. What is the benefit of the money released?"

Yuan Ruilang said: "The P2P financial platform is a bit like an investment company. Money is kept in my pocket, just like a backlog of products in a warehouse. Money must be generated to make money flow. Otherwise, what will I use to pay investors' wealth management income?" ?So, I have to look for projects everywhere and release the money. The person we met in Jiangzhou is the owner of a steel company. He needs [-] million in funds, and he can pay it back in half a year."

Fang Yubin asked: "How is the interest calculated?"

Yuan Ruilang said: "Annual interest is 40%."

Fang Yubin was taken aback: "Can he pay such a high interest rate? Besides, this has exceeded the legally protected private lending limit."

Yuan Ruilang lit a cigarette and said relaxedly, "If he dares to borrow, he will naturally have a way to pay it back. As for some problems, technical means can be used to avoid them. For example, I lent him 1.2 million yuan, but the loan contract says 1.4 million yuan. In the end Even if he repays me [-] million, the interest on the book is only more than ten percent, which is not high."

What Yuan Ruilang said is exactly the common method used by private lenders to circumvent the upper limit.According to regulations, the interest rate of private lending should not be higher than four times the bank's benchmark lending rate, which is about 35% after conversion, and the excess is not protected by law.But with the method Yuan Ruilang said, this red line can be easily bypassed.

Fang Yubin added: "The main direction of P2P finance should be microfinance. If you release tens of millions at every turn, isn't that competing with the bank for business? Isn't this contrary to your original design?"

Yuan Ruilang replied: "We can't compete with banks for large-amount loans, so microfinance is the lifeline of P2P. I have not changed this from beginning to end. But under special conditions, those short-term projects that are known to be profitable may as well try small Skills. Money is something that doesn’t bite your hands. Let’s eat dinner seriously, and it’s okay to have some afternoon tea now and then.”

Then, Yuan Ruilang chatted about the Jiangzhou project.The customer's name is Wen Yubiao, and his steel factory is located in Jiang'an County, which is under the jurisdiction of Jiangzhou.Wen Yubiao has been in the steel industry for decades and is a well-known local steel maniac.Last year, Wen Yubiao made up his mind to expand production capacity and introduced an advanced production line from Europe.With such a large-scale investment, the capital chain will of course be tense.All the things that the enterprise can mortgage are mortgaged to the bank, and no more money can be borrowed.According to someone's introduction, Wen Yubiao came to Shanghai to visit Yuan Ruilang, hoping to get a urgently needed fund from Yijia Financial Holdings.

The more Fang Yubin listened to it, the more worried he became: "You don't even have collateral, how dare you lend [-] million?"

Yuan Ruilang said: "Although there is no collateral, the local government is very supportive of this project. I met with the secretary of the Jiang'an County Party Committee. The secretary said that Wen Yubiao is a star entrepreneur in the county. All the banks are very reassured. There is no call for loans. Urgency. The production line imported from Europe has a high technical content. As long as the equipment is installed in place, the Economic and Information Commission will allocate tens of millions of technological innovation funds to return to the enterprise in the name of rewarding high-tech projects. Wen Yubiao also expressed his position that the money he Don’t rush to pay back the bank, pay back the money you owe me first.”

Yuan Ruilang added: "With the government backing me up, I'm naturally more at ease. Besides, if there is real collateral, the banks have already rushed to lend the loan, and it won't be my turn, and they won't pay such a high interest."

While talking, he got off the expressway toll booth.I saw a convoy parked on the side of the road, including a Mercedes-Benz, two Honda Accords, and a Toyota police car in the front.A dark and thin middle-aged man stood beside the Mercedes-Benz, waving at Yuan Ruilang.Yuan Ruilang said to Fang Yubin, "The one waving is Wen Yubiao."

After getting off the car, everyone shook hands and greeted each other.Wen Yubiao pointed to a man in a black jacket next to him and said, "This is Director Chen of the County Party Committee."

Director Chen warmly stretched out his hand and said: "Welcome Mr. Yuan and Mr. Fang. I am here to welcome you on behalf of Secretary Du." Director Chen looked at his watch again: "It's getting late, let's go to dinner first. Secretary Du is already at the hotel waiting."

(End of this chapter)