Gold Investor

Chapter 108 Internet Finance (4)
"I know the projects you mentioned." Fang Yubin said, "For example, the [-] million loaned to Jiangzhou Iron and Steel Plant, and several companies in Zhejiang and Anhui also borrowed tens of millions."

"However," Fang Yubin said, "as far as I know, the first few projects were quite successful. Except for the repayment deadline of Jiangzhou Iron and Steel Plant, other projects have been repaid with interest. To be honest, at the beginning I was very interested in There are also doubts about these projects, but they are result-oriented, and it seems that my worries are unnecessary."

"It's definitely not redundant." Jiang Ruobing shook his head and said, "The success rate of half of the venture capital projects is good. But in lending, if you succeed in nine projects and the last one releases the money, it is also a disaster."

Jiang Ruobing's words made Fang Yubin deep in thought. Although investment and loan belong to the financial industry, the difference is more obvious.Many executives of Yijia used to follow Yuan Ruilang to work in investment companies, and now they claim to be familiar with making loans.As everyone knows, familiarity is just a big problem!Even yourself, did you not break free from the original shackles?
Fang Yubin spoke again: "You said so much today, it seems that there is some conflict with the original concept of not evaluating your superiors."

Embarrassment flashed across Jiang Ruobing's face, and he said immediately, "I said this for the good of the company."

"I'm just joking with you." Fang Yubin laughed, "Thank you for telling me this."

There was also a smile on Jiang Ruobing's face: "You're welcome. I hope you can take the time to communicate with Mr. Yuan. He may not listen to what our subordinates say, but he must listen to what you say."

Fang Yubin nodded: "I will have a good talk with him."

The next day, Fang Yubin came to Yuan Ruilang's office.Yuan Ruilang was all smiles, Fang Yubin hadn't been here since the dispute last time, and now he took the initiative to come to the door, which made him overjoyed.As soon as Fang Yubin sat down, he brought up the matter of withdrawing money from the car loan department.

Yuan Ruilang's face became serious again: "Who told you these things?"

Fang Yubin said: "It doesn't matter who told me, we are right about things and not about people."

"Actually, I can guess it without asking. It's Jiang Ruobing." Yuan Ruilang lit a cigarette, then threw the cigarette case heavily on the table, "It's okay for someone who knows the company's situation so well to be able to talk to you." She is the only one. Jiang Ruobing's ability is good, but through some things, I think she is too thoughtful. I advise you to be wary of her, and don't believe everything. Just talk about the transfer of money from the car loan department in front of me. I don’t say anything, but ran to you to complain, what do you mean! "

Fang Yubin was afraid that Jiang Ruobing would be involved because of this matter, he said: "Don't blame her, I forced her to say it. The key is that the capital chain is so tight, it's too dangerous."

"Don't listen to Jiang Ruobing fooling around." Yuan Ruilang said disapprovingly, "Yijia is in a period of rapid expansion, and it is inevitable that funds will be tight."

Fang Yubin emphasized: "The money in the P2P financial company is all put in by investors, and it cannot withstand any disturbance."

Yuan Ruilang said: "We have established a cooperative relationship with the guarantee company long ago. If there is any trouble, we will not be isolated and helpless. You can rest assured."

When investors invest money in the platform, they usually get a promise that even if the released funds cannot be recovered for a while, the platform will use its own money to pay the principal and interest first—this is called a platform guarantee.In order to diversify risks, the platform will also cooperate with guarantee companies to share profits in normal times and share risks in emergencies.As Yuan Ruilang said, Yijia Financial Holdings pays more attention to risk management and control than ordinary P2P platforms.Some small-scale platforms will not distribute the money in their pockets to guarantee companies at all.However, Yuan Ruilang took real money and established cooperative relations with several powerful guarantee companies in the industry.

Regarding the guarantee company, Fang Yubin also discussed with Jiang Ruobing. He shook his head and said: "Using the guarantee company to diversify risks may work when there are small bumps. If there are big winds and waves, it may be difficult. If the P2P platform has grown wildly in recent years, guarantee The company's path is even more wild, and it dares to take over any business such as acceptance, bills, and foreign trade. In the event of a major crisis, it is not certain who will collapse first. Besides, even if the company is guaranteed to bear part of the responsibility according to legal procedures, but it really happened. Those small and medium-sized investors will not act in accordance with the law, they will not go to guarantee companies far away, they will only block the door of P2P financial companies."

Fang Yubin also said: "According to the newly promulgated "Deposit Insurance Regulations", if the bank fails, the maximum payment limit is 50 yuan. This is an official national regulation! In other words, regardless of how much money you have deposited in the bank, if the bank fails If the bank goes bankrupt, the maximum will be 50 yuan. If the bank is like this, can you expect the guarantee company to fully protect the principal and interest?"

Yuan Ruilang took a sip of tea: "Jiang Ruobing taught you all these words! Well, even if what you said is true, I have more than one backer. The loan from Jiangzhou Iron and Steel Plant is due next month. As soon as they pay it back, our cash flow will improve immediately."

"More importantly," Yuan Ruilang continued, "Yijia Financial Holdings and American venture capital have long signed a capital injection agreement, which is 3000 million U.S. dollars in real money. The first investment is 300 million U.S. dollars. It arrived in the account within two days. However, recently, the president of the Asia-Pacific region of this venture capital company changed, and there was a slight delay. But people said that the remaining money will be transferred within a week at most. The reason why I dared to transfer the funds The chain is stretched to the extreme because there is a steady stream of funds coming in behind me. If I am not sure, will I do it?"

Fang Yubin still had something to say, but Yuan Ruilang waved his hand: "By the way, the new president will come to Shanghai tomorrow. This is the first time he has gone out after taking office, which shows that he attaches great importance to Yijia Financial Holdings. You and I will go together." Please greet me at the airport. In the future, you will all be major shareholders of Yijia, and you should get to know each other."

5 Deja vu Yan returns

The flight from San Francisco to Shanghai is expected to arrive after 6 pm.Due to the delay of the plane and customs clearance, Yuan Ruilang and Fang Yubin waited in the terminal until 8:[-] p.m.Taking advantage of the waiting time, Yuan Ruilang said that this venture capital fund is headquartered in California, USA, and has invested in many industries in China in recent years.The newly appointed president of the Asia-Pacific region is called Veltman, who was transferred from the European region.Yuan Ruilang didn't know much about Weltman's background because he hadn't dealt with him before.

Following the flow of people, two men in dark suits came out one after the other.One of them has a standard oriental face, and the other has blond hair and a burly figure.Yuan Ruilang cheered up and waved to the two from afar.

The man with the eastern face trotted over to greet Yuan Ruilang, speaking with a Taiwanese accent.Then, he introduced the Westerners beside him to Yuan Ruilang in English.Yuan Ruilang, who has studied in the United States for many years, can speak authentic American English. He shook hands with this Westerner and greeted him.

Fang Yubin, who grew up in a small county town, had memorized a lot of English words by studying hard, but his listening and speaking skills were not satisfactory.Seeing Yuan Ruilang talking and laughing at Yan Yan with the guests, he could only stand beside him blankly.He wasn't sure if the middle-aged man in front of him was Weltman, the newly appointed president of the Asia-Pacific region of the venture capital fund.In front of the guests, it was inconvenient for him to ask Yuan Ruilang directly.

Yuan Ruilang saw Fang Yubin's thoughts, and introduced in Chinese: "This Mr. Wu was originally from Taiwan, and now he is the investment director of the Asia-Pacific region of the fund. The former president of the Asia-Pacific region brought Mr. Wu to Shanghai many times. He and I are also old friends. Yes. Mr. Brown is the newly appointed vice president, and Mr. Weltman and his secretary are still waiting to check in their luggage. Brown said that Weltman is also Chinese, and there will be no obstacles to communication in the future."

While shaking hands with the guests, Fang Yubin was thinking in his heart, how dare Wertmann is a fake foreign devil!
After another 5 minutes, Brown waved his arms in the direction of the passenger exit, and a man and a woman pushing luggage opposite him also waved and smiled at him.Turning his head, Brown said, "President Veltman has come out."

No matter how poor Fang Yubin's hearing is, he could understand this sentence.He looked in the direction of Brown's waving hand, but was shocked from ear to ear.Could it be that my eyes were in a trance and I had an illusion!Take a closer look, that's right, it's him!

Fang Yubin cast his eyes on Yuan Ruilang, only to see that the other party also looked astonished.From Yuan Ruilang's expression, Fang Yubin strengthened his judgment.The probability of the two having delusions at the same time is almost non-existent. The fact can only be that they both saw an unbelievable scene.

That's right, the President Weltman who walked towards him was not only an out-and-out Chinese, but also an acquaintance.Isn’t this fake foreign devil the secretary of Fei Yunpeng back then, and later the general manager of Rongding Capital’s Shanghai company, Yan Fei?

Just as the two were in a daze, Weltman, no, it should be called Yan Fei, had already walked in front of him.With a smile on his face, he proactively stretched out his right hand: "President Yuan, Yu Bin, we meet again."

Reluctantly, the flowers fall, and the familiar Yan returns.This smile and accent are so familiar.Yuan Ruilang regained his composure, and stretched out his hand: "I didn't expect it to be you!"

Fang Yubin also pretended to be calm, and said with a smile: "It's true that we never meet again in life."

Yan Fei turned his head and said to Mr. Wu: "Well, I'm not bragging, am I? When I was in the United States, I told you that Yuan and I are always old friends."

Everyone dragged their luggage and went out. Yuan Ruilang said to Mr. Wu: "Old Wu, this is your fault. Since Yan Fei and I are acquaintances, why didn't you tell me in advance? I always thought that Weltman was a foreigner."

Mr. Wu said: "I can't blame me for this. The president greeted us and asked us to keep it a secret. When we talk about it, we will give an old friend a surprise."

"We are more than just old friends." Yan Fei said, "At the beginning we were in a company, Mr. Yuan was the general manager, I was his deputy, and Yu Bin was the investment director. After Mr. Yuan left, I took over his class. After me, Yubin was promoted to general manager."

Yuan Ruilang and Fang Yubin nodded in agreement, but they knew better that the grievances and interests between each other were far more complicated than these few introductions.

When he came to the parking lot, Fang Yubin pressed the car key, and the lights of the Audi A8 flashed.After leaving Rongding, Fang Yubin has been using the car Fei Yunpeng gave him.Yan Fei asked, "Why are you still driving this car?"

Yuan Ruilang also asked this question.When Yuan Ruilang and Yan Fei saw this car, they always asked the same sentence reflexively, which is probably not a coincidence.The position of general manager of Rongding Capital Shanghai Company is both a peak and a cliff for the two of them.They have won countless glory here, but also fell into the abyss.This general manager's car, which once symbolized power and wealth, is mixed with too many personal emotions.

After listening to Fang Yubin's explanation, Yan Fei got into the car that he was all too familiar with.He glanced at the night scene outside the window, and then stopped talking all the way from the airport to the hotel.Fang Yubin, who was sitting in the co-pilot's seat, also pretended to be dozing off.In fact, he was so preoccupied that he didn't feel tired at all!

Before picking up the plane, Yuan Ruilang discussed with Fang Yubin that the American guests should rest in the hotel the next morning to overcome the jet lag.In the afternoon, the two parties came to the company to hold a formal meeting.But after the scene last night, Yuan Ruilang and Fang Yubin came to the company early in the morning.

Fang Yubin couldn't help shaking his head and sighing: "Unexpected, unexpected! It's really a narrow road."

Yuan Ruilang also smiled wryly: "Last night I lay in bed and couldn't sleep. Weltman, Yan Fei? Oh, this world is really small."

The cigarettes in Yuan Ruilang's hand were one after another: "No wonder I went to inquire about Weltman's background before, but he refused to say anything. It turned out that he deliberately concealed it. Last night, Yan Fei was in your car, and I took the opportunity to squeeze in. Lao Wu got in the car and asked him hard. According to Lao Wu, after Yan Fei went to the United States, he studied in a business school for several months, and then joined this venture capital fund. Before that, he was the vice president of the European region, responsible for For the business in Western Europe, this time because the president of the Asia-Pacific region resigned, he was transferred from above."

Fang Yubin said thoughtfully: "In other words, Yan Fei's appearance in front of us is just a coincidence, not a conspiracy."

"I hope so." Yuan Ruilang said, "He said he would give us a surprise, and the surprise was indeed a surprise. Whether it was a joy or not, only God knows."

Unable to stop smoking, Yuan Ruilang's throat was itchy and he coughed a few times.He took a sip of water and said, "Actually, even if Yan Fei has hatred in his heart, he should hate Ding Yifu and Fei Yunpeng instead of us. We are not capable of driving him out of Rongding."

"That being said, Ding Yifu is dead, Fei Yunpeng is high above the sky, and his power is so powerful that he is not what Yan Fei hates." When he said this, the bloody scene of Rongding Company couldn't help but flashed in Fang Yubin's mind .

Yuan Ruilang stubbed out the cigarette butt: "At the end of the day, we signed the agreement with the American company in black and white, and everyone has to act according to the contract. Even if Yan Fei became the president of the Asia Pacific region, forgive him and dare not do anything out of the ordinary." In a word, Yuan Ruilang not only comforted Fang Yubin, but also whistled at night to embolden himself.

While talking, the phone on the desk rang.Yuan Ruilang picked up the phone, only to hear the administrative staff at the company's front desk say: "Mr. Yuan, there is a gentleman at the door. He said he is an old friend of yours and wants to see you."

"Which old friend?" Yuan Ruilang asked.

"He said his surname was Yan and he came from the United States." The front desk staff replied.

"Please come in." Yuan Ruilang knew that Yan Fei had come uninvited.He was also muttering in his heart, he agreed to meet in the afternoon, why did he come here in the morning?

Walking into the office, Yan Fei took the initiative to say hello: "Mr. Yuan, hello! Yo, Yu Bin is also here."

Yuan Ruilang took out the good Pu'er in the bookcase, brewed the tea, and handed it to Yan Fei.Yuan Ruilang said: "You have been exhausted all the way, why don't you take a good rest in the hotel?"

Yan Fei smiled and said: "Maybe it's due to jet lag, I woke up early in the morning. I'm free, so I just came over to see my old friend."

The three of them were quite addicted to cigarettes, and the office was soon clouded with mist.Yan Fei said: "The meeting in the afternoon is for business. This morning, let's treat it as a chat between friends." After a pause, he added: "Since we know each other well, I won't turn around when I talk."

"This is the best." Yuan Ruilang and Fang Yubin said in unison.

Yan Fei said: "Everyone used to work together in Rongding, and then left one after another. I thought that the past should be let go, and don't get caught up in those right and wrong. I can assure you that when dealing with this project, there will never be Bring in any private emotions."

"It's meaningless to worry about the past." "Yes, we should look forward." Yuan Ruilang and Fang Yubin expressed their opinions one after another.Seeing Yan Fei's sincere and confiding expression, they were not sure whether it was true or false?All I can do is put on a more enthusiastic attitude.

Yuan Ruilang took the opportunity to say: "According to the agreement, the investment funds should be sent to us. Now that you are a new official, you have to hurry up on this matter."

Yan Fei said: "There was a meeting in the afternoon. After I have a deep understanding of the development of Yijia Financial Holdings, I will perform the contract as soon as possible."

"Don't you know the situation of Yijia?" Yuan Ruilang said, "When we signed the contract, the financial data had already been provided to you."

"Financial data is important, but you can't just look at the reports." Yan Fei said, "When I was in Rongding, Mr. Yuan often told Yubin and me that face-to-face communication is far better than reading boring financial statements."

The afternoon meeting lasted until the evening, Yan Fei listened carefully and kept interjecting to ask questions.After the meeting, he hurried to Suzhou without even having dinner.According to Yan Fei, the schedule of this trip to China is very tight. After staying in Suzhou for two days, he will go to Beijing and then return to the United States.

As for when the investment funds will be in place, Yuan Ruilang is naturally chasing after him.Yan Fei's answer was exactly the same as the previous official statement: "Within a week."

(End of this chapter)