Gold Investor

Chapter 127 Banking License (2)
Jiang Ruobing sat up straight: "Are you here today to discuss cooperation, or to give orders to Yijia as an investor?"

Fang Yubin said: "Investors and management should respect each other. I am not qualified to give you orders. Of course I am looking for cooperation today, and I even suggest as a friend."

"I accept your suggestion." Jiang Ruobing smiled and said: "Yijia can lend funds to Qin Taiying's company, but the annual interest rate is 7%. Qin Taiying's interest rate difference of one or two points is not bad, he is almost empty Glove white wolf, don't expect to make a lot of money."

Fang Yubin said: "I also said that I plan carefully, and you are much better. All right, I will discuss the specific interest with Qin Taiying later."

Jiang Ruobing also said: "Yijia's risk control system can be shared, but it is definitely not for free."

Fang Yubin asked: "How much do you plan to ask for?"

Jiang Ruobing stretched out three fingers: "3000 million a year, not too much."

Fang Yubin shook his head and said, "It's too much. Besides, they don't have so much money now."

"If you don't have money, you can convert it into Yijia's investment." Jiang Ruobing said, "If you decide to invest in Qin Taiying's company, you are the lead investor, and Yijia might as well follow. Converted into equity investment."

Fang Yubin stared at Jiang Ruobing, and said after a long while: "You not only want to cooperate, but also want to be an investor! Since you are so optimistic about this project, tell me earlier, it took me a long time to work hard."

"Tricking you, what's the matter?" Jiang Ruobing spoke casually to Fang Yubin now.After joking, she said again: "Actually, I have always been interested in the credit card repayment business. I have long wanted to plan, but unfortunately I can't spare the energy. Now there is a good project, and you have finished the preliminary investigation. Of course I don't want to Just be a bystander."

Fang Yubin said excitedly: "It seems that heroes see the same thing."

"Don't be too happy too early." Jiang Ruobing said, "Qin Taiying can say, some investment companies called out 2 million quotations, but you can only offer more than 1 million."

"That depends on Qin Taiying's choice." Fang Yubin said, "I do have more money than others, but I can provide him with a stable source of funds and a mature risk control system that cannot be bought with money."

Fang Yubin added: "I have always believed that investment is not only investment, but also investment source. The resources I invest in entrepreneurs are unmatched by others."

"But people only recognize money and don't care about your resources?" Jiang Ruobing asked.

Fang Yubin waved his hand and said: "If you can't even settle such a simple account, this kind of entrepreneur is not worth investing in."

"There is one more thing I want to ask you." Jiang Ruobing tidied up her skirt, "Why are you so concerned about Internet finance recently? You have invested in several companies, all of which are related to Internet finance."

"Your observation is correct." Fang Yubin said, "However, these changes are largely inspired by you."

"Why are you making fun of me for everything!" Jiang Ruobing said.

"I'm serious." Fang Yubin said, "After you took charge of Yijia, you have always insisted on professional and steady development, which inspired me. In the past, Rongding was a big company, and it was more than enough to attack from all sides. When you come to Xinglan, you don't change your style of play. Absolutely not. Nowadays there are many investment funds with deep pockets, and I can’t compete with others. I can only rely on specialization to win. For example, Qin Taiying’s project, if it wasn’t for Xinglan’s previous investment of [-] million companies, it would have provided entrepreneurs with more Internet financial resources. What should I use to compete with others for votes?"

"If you want to say that, I can bear it." Jiang Ruobing laughed.

While talking, Jiang Ruobing's cell phone rang.She swiped the answer button and said kindly: "Mr. Wu, hello!"

After chatting on the phone for several minutes, Jiang Ruobing not only nodded in agreement, but also said some words of thanks.Fang Yubin had already guessed that this was Wu Juntong's call, and he probably confirmed the itinerary.

Putting down the phone, Jiang Ruobing really said, "Wu Juntong has called back. He will come to Shanghai next Wednesday, and the press conference will be on that day. Will you come?"

Fang Yubin shook his head and said, "I won't come. This kind of publicity is still left to Wu Juntong, he likes it better." Jiang Ruobing went back to Qiancheng headquarters since last time, and he seemed to have a very close relationship with Wu Juntong.Fang Yubin thought it necessary to remind him, and said, "Wu Juntong made a special trip to join us, it's quite a face. But you have to be careful, don't look at him smiling all day, he is a real villain behind his back."

"I know." Jiang Ruobing said, "I heard you talking to him at Lukla Airport, and I knew that you two were not getting along. You are right, Wu Juntong is a villain, but a real villain. Many things in the world are still There needs to be real villains acting as lubricants in it."

Jiang Ruobing said again: "Let's talk about the press conference. Wang Cheng can't invite him, and Yu Dongming is also very airy. Wu Juntong is willing to show up. Anyway, Qiancheng has a vice president, so the weight is different."

"That's true." Fang Yubin smiled.

Jiang Ruobing said: "After the press conference, it's time to strike while the iron is hot for the C round of financing."

Fang Yubin said: "Yijia is currently developing well, and with the blessing of good news, the curse of 'C round of death' will not come true for you."

"Absolutely not." Jiang Ruobing said confidently, "I told other executives that once the C round of financing is completed, the debt of Jiangzhou Steel will be transferred back. carried by someone else."

"With money, the tone of speech is different." Fang Yubin said.

"Of course." Jiang Ruobing said.

Fang Yubin's cell phone rang, he took it out and said, "Cao Cao Cao Cao will be there. Just as I was talking about Jiangzhou Steel Plant, Xu Leshui called."

Fang Yubin picked up the phone: "Mr. Xu, what's the matter?"

Xu Leshui said: "I'm coming to Shanghai tonight, do you have time to meet?"

"Okay." Fang Yubin said.

2 There are only losers and winners in business, no experts

As soon as Xu Leshui sat down in a Hangbang restaurant near Dapu Road, Fang Yubin said, "At the creditors' meeting, didn't you promise in public that you would never leave Jiangzhou until you paid off the debts? Did you break your promise so soon?"

Xu Leshui waved his hands: "It was promised at the beginning, but if you want to earn money to pay off your debts, you can't live in Jiangzhou all the time. Later, when you met with the creditors, you made a new agreement. As long as you don't go abroad, for the sake of the factory, you can go anywhere in the country." Inevitably."

Fang Yubin asked: "What's going on in Shanghai today? Is the factory getting better and ready to pay back the money?"

Xu Leshui nodded and said, "The factory is really getting better."

Fang Yubin's hand for taking out his cigarette rested in his trouser pocket. It was just a joke just now. Could it be that Xu Leshui is really rich?He said: "What's the improvement? Tell me quickly."

Xu Leshui said, "Didn't you read the news? Steel prices have soared recently."

"Really?" Fang Yubin's recent thoughts are all on Internet finance, and he pays little attention to steel prices.

Xu Leshui took the initiative to hand over a cigarette, then lit it himself, and said, "At the lowest point last year, the price of steel had fallen below 2000 yuan to 1750 yuan per ton." With lingering fears: "1750 yuan, do you know what the concept is? It is equivalent to only [-] cents per catty. It is said that the price of cabbage, but the price of steel at that time was cheaper than cabbage."

"How much has it increased now?" Fang Yubin took the other party's cigarette and asked before he could light it.

Xu Leshui said: "The price started to rise in the middle of the year, and it rose by 30% in less than a quarter. In the past few months, the price of steel has continued to rise, and it has exceeded 3000 yuan/ton. It seems that the rise has been going on for a while. I can't take it for a while."

Fang Yubin was quite surprised: "It's already broken 3000 yuan! If it goes up, it will be doubled!"

"That's right!" Xu Leshui flicked the cigarette ash and said with a smile.

"It's really gratifying and congratulatory." Fang Yubin finally lit the cigarette in his hand. He didn't expect that the price of steel would rise so rapidly, and his dead debt of [-] million yuan might really be able to revive it?

Fang Yubin also said: "Why did the price of steel rise so much? Didn't there still be negative voices last year? Some media even said that the domestic steel inventory is too large to be used up in five years."

Xu Leshui shrugged his shoulders: "I'm going to be an afterthought. Now I can tell you a few things, and some economists even wrote analysis reports with tens of thousands of words. But to be honest, last year, even if I was in the industry like me People who have been struggling for many years would never have imagined that steel prices would be able to get out of this wave of market prices.”

Fang Yubin liked Xu Leshui's straightforwardness very much, and said with a smile: "Even if it is an afterthought, it is better than a dumb one. There are only losers and winners in the market, and there are no experts. Anyway, the business has improved, and the creditors can feel a little more at ease."

"Nowadays, the creditors are making more trouble." Xu Leshui said. "In the past, the creditors knew that I had no money, so it was useless to make trouble. Now seeing the sharp rise in steel prices, they block me in the office all day long to pay back the money."

"It's only natural to pay off debts." Fang Yubin said with a smile, "Now that I know that steel prices have risen sharply, I will send people to your office every day to collect debts."

Xu Leshui smiled wryly: "Come anyway. We do have more money now, and when creditors come to our door, we will ask the cafeteria to arrange meals."

"Who cares about the food in your cafeteria? I'm here to ask for money." Fang Yubin said.

"I came to you today to talk about repaying the money." Xu Leshui said, "After the price of steel rose sharply, the creditors were all staring at them. Some people also suggested that every payment recovered should be used first. To repay debts, a small part is reserved for steel mills to maintain normal production and operation.”

Fang Yubin was also anxious to ask for debts, nodded and said, "I think this method is feasible."

"But in my opinion, this is simply drinking poison to quench thirst." Xu Leshui said, "How long the rise in steel prices can last, no one can tell. Moreover, the fundamentals of China's excess steel production capacity have not changed. Any trouble, steel prices He might be beaten to the ground again."

Fang Yubin stared at Xu Leshui, and spoke for a long time: "Mr. Xu, you were in trouble before and couldn't afford the money. But why do I listen to this tone today? I don't plan to pay back the money when I have money?"

Xu Leshui gesticulated and said, "It's not surprising that you have such thoughts, but please allow me to finish. The funds returned while steel prices soared are life-saving money, and even if they are all given out, they will not be enough to pay back everyone. That being the case, can you wait a little longer and allow me to use this money to try to revive the factory completely?"

Fang Yubin was a little angry in his heart, so justified in not paying back the money he owed?He asked bluntly, "Tell me, how can you save me?"

Xu Leshui lit another cigarette and said, "I don't know if you have paid attention to the news recently. A big man specifically mentioned a special steel, and said that this kind of steel cannot be manufactured in China and is completely dependent on imports. Many media followed up the report and asked China has been the number one producer of steel for many years, why should these special steels still rely on imports.”

Fang Yubin was somewhat impressed by the news and nodded.Xu Leshui went on to say: "I come from a technical background, and I don't want to talk about other issues, but from my professional point of view, I can assure you that China will soon be able to manufacture this special steel."

Fang Yubin looked at the other party suspiciously: "You mean, Jiangzhou Steel Factory can make this kind of steel?"

Xu Leshui said: "It's not enough now, but as long as you put your mind to it, you can make a breakthrough soon." After a pause, he added: "When I was studying in Germany, several of my advisors were authorities in the field of special steel research. I work for a steel company in Germany, which has been able to produce this kind of steel decades ago."

Fang Yubin was still skeptical: "I'm not very familiar with the steel industry, but common sense tells me that without a capable team and a large number of facilities and equipment, it's impossible to make a breakthrough by working alone, right?"

"Of course I'm not fighting alone." Xu Leshui said, "The technical team of Jiangzhou Steel Factory is absolutely first-class in China. A few days ago, the factory was so difficult, I still tried my best to keep the technical backbone. As for the equipment , I have to thank one person."

"You mean Wen Yubiao?" The scene of the founder of Jiangzhou Steel Factory jumping off the building and committing suicide still lingers in Fang Yubin's mind.

Xu Leshui nodded: "At the beginning when he made up his mind to start a new steel factory, he wanted to make efforts in the field of high value-added special steel. He always said that the production of ordinary steel is boring because of high competition and low profits. To be honest, he is right The steel industry is very accurate and courageous enough, but the ending is embarrassing.”

Xu Leshui added: "You also know that the steel factory imported a large amount of advanced production equipment from Europe. It's just that the project was stopped, and these things were piled up in the workshop and never produced."

Fang Yubin asked: "Stop the new steel plant project, but the top has issued red-headed documents. Now, do you dare to make these equipment work?"

Xu Leshui said: "Large-scale production is of course not possible. Small-scale experiments can be carried out, or a small number of samples can be produced. This will not be a problem."

"How long will it take you to produce special steel?" Fang Yubin continued to ask.

Xu Leshui said confidently: "The shortest is three months, and the longest is half a year. To put it bluntly, among all the steel mills in China, only we are the closest to producing this special steel."

Fang Yubin thought for a while, and then said: "Will the special steel you manufacture be cheaper than imported steel?"

"It may be a little more expensive than imported steel at the beginning, and the cost should be reduced after large-scale production. However, we can't just count economic accounts." Xu Leshui emphasized, "Now this special steel has attracted far more attention than steel products. Itself. Whoever makes it first will cause a sensation, which cannot be compared with selling a few tons of steel."

Xu Leshui couldn't help being a little excited: "We all know China's national conditions. As long as special steel is produced, various support policies and even funds will surely flow in. Those banks that collect debts all day may change their faces immediately and rush to lend .”

Fang Yubin picked up the half of the cigarette on the ashtray, took a puff and said with a smile: "You keep saying that you only understand technology, but in fact, you can not only calculate economic scores, but also political scores."

From Fang Yubin's expression, Xu Leshui seemed to have seen a glimmer of light, so he hit the rails while it was hot: "The technical team and production equipment are ready-made, and everything is ready now, and I only owe Dongfeng. This Dongfeng is money! I plan to transfer everyone's debts to the future." Procrastinate for a while, concentrate funds for technical research.”

Fang Yubin stubbed out the cigarette butt, lost in thought.I am a layman to steel, can Xu Leshui produce special steel in a short period of time as he said?Fang Yubin didn't know, let alone know.He even thought about organizing a group of experts to demonstrate Xu Leshui's plan.But where do you go to find real, authoritative experts?Which expert is better than Xu Leshui?It can be said that now in China, his team is the closest to producing special steel.

If it was a brand new investment project, Fang Yubin would give up without hesitation.If you are not familiar with it, why take risks in an unfamiliar field?However, this is another half-baked project, and I have already fallen into it. The next risk is unknown, and it is impossible to pull it out.

Fang Yubin had no way of analyzing whether the plan was feasible, but could only judge whether Xu Leshui was reliable.Recalling the contact with Xu Leshui, this person can be called a gentle gentleman.His enthusiasm for steel is no less than that of Wen Yubiao, who is known as the "steel madman", but his professional skills and maturity are far above Wen Yubiao.

Some people have said that investing is investing in people, but no one has ever said that investing is just investing in people.In theory, it is absolutely taboo to make decisions based on the observation of one person without researching the industry or analyzing the business model.But the battlefield situation is changing rapidly, Fang Yubin can't calmly use theory to guide practice, and can only use practice to enrich theory at risk.After experiencing so many turbulent waves, I dare not say that I have developed a pair of piercing eyes, at least I have some understanding of people.This time, just trust your eyes.Whether it is a rush to the doctor in a hurry, or a business intuition far superior to ordinary people, it can only be tested by the results.

Fang Yubin said slowly: "I agree to your request, but there are two conditions."

"Please tell me." Xu Leshui said happily.

(End of this chapter)