Consumer male god

Han Lie's idea was not random, but really highly feasible and operable.

Gao Daomao is just ignorant, not stupid. He can't be fooled by nonsense.

But Han Lie deliberately differentiated the importance during his introduction, forming a strong inducement, aiming at his greed, and laid an ultimate trap.

"Mr. Gao, the most worry-free way is to hand over the entire project to my company.

Let's sign a discretionary agency agreement, and then you don't need to worry about anything. When I ask you for information, just cooperate and wait for the money to arrive.

In the first step, all that is consumed are my connections, including appraisal agencies, credit enhancement agencies, investors, custodians, underwriters, etc.

As long as you personally provide unlimited joint and several liability guarantee, I guarantee to get 2 billion in cash from that land.

If you can't get the money, I will return all the shares to you..."

The first set of plans focuses on fully automatic, no worries.

But Han Lie deliberately concealed the cost and didn't mention it a word, but Gao Diaomao realized it immediately.

"Teacher Han, how much of the 2 billion will I have left?"

Han Lie patted his chest and guaranteed: "It will definitely not be less than 1.8 billion!"

10% of the cost sounds quite cost-effective, but Gao Diaomao's heart suddenly exploded.

Damn it, I have already given you 20% of the shares, which is equivalent to a reward of 600 million yuan, and you still want to take another 200 million yuan from me? !

Don't force your face!

Out of anger, Gao Daomao certainly couldn't get angry with Han Lie, but looked embarrassed and found another excuse.

"Teacher Han, do you have to provide unlimited joint and several guarantees on my own? Shouldn't the company be the main body?"

Han Lie replied earnestly: "Mr. Gao, your company is a financing subject, but its net assets are not that abundant. It must require additional guarantees to win the trust of institutions and investors at all levels...

As the largest shareholder, if you don’t bind yourself to the project, how can the funders recognize it?

We are going to get 2 billion in financing from a 1 billion land plot. There are risks of violations in every link, but you don't need to handle the whole process. It means that I bear all the risks. The cost is a little higher, which is reasonable, right?

Let me tell you the truth - not only did the 200 million fall out of my hands, but I also had to spend a lot of money on it myself.

If you don't believe it, just go out and ask around to see who has the ability to take on such a case? "

"Yes, yes, I understand!"

Gao Daomao nodded with deep sympathy, looking extremely convinced.

"Teacher Han, it's really not easy for you, I understand! But you also have to consider the actual situation here. Once the land is developed, it will be difficult to make enough profits to cover the entire principal and interest... When repaying the loan in the end, How much more?"

"Well, that's a problem..."

Han Lie nodded and said casually: "The nominal interest for this operation is not high, about 12.5%, and the principal and interest will be repaid in two years at 2.5 billion."

As soon as he heard that number, Gao Diaomao was even more reluctant to do it.

I received only 1.8 billion, but two years later I had to pay back 2.5 billion, plus 20% of my company’s shares. What was the point? !

Maybe Han Lie didn't make much, but he couldn't make much either...

Moreover, Gao Diaomao didn't believe that Han Lie would not make money. The whole process was handled by others and he didn't even have the right to participate. How could he be fooled by this random guy?

Maybe he doesn't have to pay a penny, just find someone to cooperate, so he can eat both sides?

Gao Daomao immediately gave up the safest plan. He didn't care about the so-called "safety".

"Aren't there three options? Please tell me about the other two!"

Han Lie glanced at him and warned: "I won't take the risk for you with other plans. How much money will you get and how many things will you do? Do you understand?"

Gao Diaomao smiled and nodded: "Of course, of course!"

"The second operation is like this -

As for me, I will find you a state-owned enterprise later. I will use my [Skyline One] to purchase the corporate bonds of that state-owned enterprise, with a limit of 2 billion.

This will replace the equivalent amount of funds they used to purchase the [Gaoyuan A Lot Project].

The interest rate on corporate bonds is about 5.2%, and the cost of their investment in our project is 6.5%..."

Gao Diaomao was immediately stunned.

"No, Teacher Han, why did we lose 1.3% every time we entered and exited? With a total of 2 billion, we lost 50 million with our eyes closed in two years?!"

Han Lie deliberately looked like he was angry and asked: "What credibility does your little company have? Appraisal agencies, trust companies, securities companies, third-party guarantees... why should they help with fraud and form a closed loop?" To make this project?”

Gao Diaomao refused to accept: "I can give you money!"

Han Lie asked again: "What do you think I am doing?"

Gao Diaomao replied with a grimace: "I understand, but with your method, you have to give out 50 million in funds alone. Isn't it too... too extravagant?"

"luxury?"

Han Lie raised his eyebrows playfully: "Let me tell you something bad - if I hadn't come forward, you would have found it yourself, let alone 1.2%. Even if you raised the price difference to 3.2%, no one would care!

A large state-owned enterprise that can issue triple-A corporate bonds can’t afford your scraps? "

"Yes, yes, I know I don't have the weight to do this..."

Otherwise, why the hell would I give you 20% of the shares? !

Do you think you are a big ass? !

Gao Diaomao cursed secretly and expressed dissatisfaction.

But his smile became more humble and humble: "But, we can't feed key people directly, don't do it so... well, don't do it so cautiously and formally?"

Han Lie couldn't help but sneer secretly: It's true that a dog can't change its habit of eating shit.

It cannot be said that Gao Diaomao's idea is completely unworkable, but in fact there is hope for success.

But this is exactly the difference between him and Han Lie.

Han Lie's approach is equivalent to putting interests on the table and complying with laws and regulations. Leaders of state-owned enterprises do not take any risks and only benefit from political achievements and favors, not personal benefits.

Suppose something goes wrong accidentally in the future and the project is reviewed. A supervisory oversight will suffice.

Decision-making is a collective decision-making. Individuals do not get a penny, but they get a group of them.

The remaining links are handled according to this idea.

For example, a trust institution that provides credit enhancement can complain at that time: "When we saw that the money came from a brother unit, we followed up without thinking too much... It is true that our supervision is not strict and our risk control is not cautious enough. I Review!”

All parties involved have a share of the blame, but no individual takes the blame.

The pressure is shared by everyone.

In this way, the project itself only has the problem of "maliciously raising the evaluation price". As long as the company actively refunds the principal and interest, there is a high probability that it will not be investigated in detail.

But at that time, it was estimated that the project had been completed long ago. Gaoyuan Real Estate actually used 1 billion land parcels to obtain 2 billion development funds and successfully tided over the difficulties.

People who really know how to play will definitely choose this approach.

Brush up, but not overdo it.

Make a time difference, rather than maliciously denying money.

As long as the capital chain is not broken, similar tactics can even continue to be played.

Of course, smart people will definitely get out in time - I use other people's money to develop the most profitable real estate, which doubles in size every year. As long as you don't be too greedy, you can make a hundred times your wealth in a few years.

Until then, don't you feel comfortable withdrawing and sharing the money with your big brothers? !

In recent years, the extra liquidity in the financial industry has always flowed into real estate, and real estate developers have made money faster than a rocket. This is the main reason.

We have a capital of 20 million yuan. If we buy a piece of land at will, we can leverage a 100 million yuan project. If we do some fancy operations later, we can generate 300 million yuan of funds to roll back and forth.

In fact, the net profit margin after deducting various costs may be only 20%.

But 20% of 300 million is 60 million, which is equivalent to three times the wealth expansion in one year.

Now you know why all domestic real estate groups have to set up their own financial departments, right?

…

If Han Lie's approach is the royal way, then Gao Diaomao's approach is the evil way.

He is still immersed in the old-school thinking of the early years. Little does he know that not many smart people still play that way now.

Bribery has been a red line in recent years, and the risk is not at the same level as the risk of skirting around.

So, as long as one person in the entire line has a problem, everyone will have to suffer in the end.

It may seem that you have saved costs, made friends, established a common core circle of interests, and provided yourself with a protective umbrella, but in fact you have put yourself in an extremely disadvantageous position.

Putting your life in the hands of others and expecting the law of the country to treat you differently is a wise man who would never do that.

There is absolutely no way Han Lie would participate in something like that, he was too stupid.

But Gao Diaomao was different. He had always enjoyed the benefits of similar practices in the past, which formed a mindset and path dependence. To put it simply, a dog cannot change its habit of eating shit.

If Han Lie had not participated in this project, he would not even be happy to encourage Gao Daomao to do anything wrong.

A report at the critical moment will send your whole family to work on sewing machines and eat steamed buns. Why not?

But it doesn't work now. He can't guide Gao Diaomao to do that, mainly because he can't get rid of it.

"Mr. Gao..."

Han Lie pretended to be a good person sincerely.

"I don't know how you did things before, but now it's a new era...

Do you only consider costs and not the risk-benefit ratio? !

In our financial industry, cutting leeks is a traditional skill. Being able to do it reasonably and legally is called skill.

Unreasonable and illegal messing around will cause big problems!

You are my partner, and anyone who can help me with things is my friend. I would rather make less money, or even no money at all, than cheat my partners and friends!

I, Han Lie, believe in credibility and reputation is the most important thing in my work!

If you insist on having that idea, I'm sorry I can't accompany you. "

Gao Diaomao was looked at by Han Lie with that meaningful look, and he felt at ease, anxious, and angry at the same time.

Stable because Han Lie has a bottom line and a high sense of morality.

He felt from the bottom of his heart that Han Lie was stupid and would not take advantage of his talents, but this did not prevent him from liking to cooperate with such a person.

A gentleman can be deceived.

Oh, by the way, this Han Lie guy is very smart and not easy to bully...

However, it is always good to have a high sense of ethics and be cautious, and you will feel more at ease when working together.

The anxiety is because he has paid a huge price to obtain the shares of his right-hand man. If Han Lie does not finally get along, the shares he has obtained will become worthless.

It originally held more than 50% of the shares, but now it is almost 75%.

Why do I hold so many shares? !

Gao Diaomao spent all his working capital in order to collect shares. His purpose was to drag Han Lie onto the chariot and obtain new low-cost financing channels.

If it fails, the company will definitely collapse, and bankruptcy is a high probability event.

But Han Lie had to use the extremely high-cost formal method to raise funds. Isn't this troublesome? !

And he was angry because he had nothing to do with Han Lie like this.

The worst thing for this bitch to sit firmly on the Diaoyutai is that he no longer wants his own shares. If he doesn't make this money, the little red guy still controls a fund of 7.5 billion and can make big money in the market at any time.

MLGBD!

When you were talking about cooperation with me, you promised to make a big deal. Now that I have all the shares, you are nonchalantly acting like a good guy...

Are you playing with me? !

Are you treating me like a leek? !

Gao Diaomao had every reason to suspect that Han Lie actually wanted him to entrust the entire project with one click, so that he could make another fortune.

He was so angry that his lungs hurt.

But the more this happened, the more convinced he became that Han Lie must have a way to obtain financing at a smaller cost.

Now, the only thing I need to do is... coax out that method!

Gao Daomao suddenly felt something in his heart. He deliberately pretended to be troubled and asked hesitantly: "Teacher Han, I remember you talked about a method of cutting leeks from individual households last time... doesn't that work?"

Han Lie frowned and replied a little coldly: "It's okay to go back to the business, but there are policy risks, and it will affect reputation. My private equity company has to manage goodwill, so I can't participate."

Gao Daomao's eyes suddenly flashed, and he said in a flattering manner: "Tell me about it!"

Afraid that Han Lie would not tell the truth, he immediately said: "If the operation is simple, I can do it myself, but the benefits will not be less for you! Don't worry, third-party credit enhancement can only be done by you, Lao Gao, I know it well! "

Han Lie's frown finally fell, and he replied with a smile: "Okay, let's just treat it as small talk and tell you."

"Okay, okay!"

Gao Diaomao was overjoyed and listened carefully.

“If you want to cut off the leeks from retail investors in this kind of project, the first step is to find a partner with particularly strong sales capabilities.

He must be able to sell shares and have the underlying channels.

After finding that person, the next step is division of labor and cooperation.

The second step is to get an appraisal agency to evaluate the value of the land at about 2 billion.

The third step is to let the partner package the entire project. It cannot be ordinary ABS. It depends on what your land is suitable for.

If it is suitable for apartments, then establish an equity REITs with rent and property fees as the source of income.

If it's suitable for building an office building, then build a mortgage-type project, it doesn't have to be a residential project.

In short, you can be more flexible. It doesn’t matter how much revenue the project itself can make. What’s important is that the story should be told well and attractive.

The fourth step is to increase credit.

This is the most difficult. There must be a large state-owned enterprise as a third-party guarantee, so as to dispel the doubts of buyers.

You don’t have to worry about this. I’ll take care of it for you after I take your shares.

The fifth step is sales.

Just like the lecture I gave last time, your partner must do a good job in the road show.

The starting investment for a single person is 1 million, and you have to get at least 1,000 investors to sell 2 billion in quota.

Those who can do this kind of thing are either big banks or big securities firms.

The sixth step is to find a trustworthy custodian.

The custodian bank is very important. If the relationship is not good and you are not allowed to use the money in the special account, it will be quite troublesome.

Step seven, repay or go bankrupt.

There is no need to mention the repayment, just borrow the chicken to lay the eggs, earn some hard-earned money, and erase all the risks of previous illegal operations.

I don’t recommend bankruptcy. You need to transfer assets in advance, and you will have to stay in jail if something goes wrong.

Unless the project interest rate is raised, and the guarantor does not guarantee the full amount and uses high interest rates to attract leeks, don't cheat the big brother of the state-owned enterprise.

Or simply discuss it with the supervisor of the guarantor... I can't go into details.

It is true that some players with extraordinary ability will engage in such outrageous operations that they become insolvent and have no choice but to go bankrupt. Because the investor is not a state-owned enterprise but a group of retail investors, they basically have no choice but to accept their bad luck.

Then the guarantor or bank, as a high-priority creditor, will make the company's remaining assets into non-performing asset packages and sell them externally.

At this time, you use a shell company to buy back the broken company and broken projects for secondary development.

The debt is gone, the past is wiped out, but the project is still yours. You can play the second round if you change your skin...

Ahem!

On a whim, we talked too much and talked too much!

Anyway, the idea of ​​​​cutting off individual households’ leeks is the same. The key point is how to remove yourself. I only know some cases in this regard and have no real experience. Just listen to the things on paper..."

Gao Daomao's eyes gleamed when he heard this, and he thought to himself: Are you still talking on paper? This idea is so clear!

Teacher Han, this is what I want to learn!

In fact, in the whole process, only how to package the project is the real technical work, and the other links are dealing with people.

So, not surprisingly, Gao Diaomao was extremely excited.

‘I’m so good at this! ’

He slapped his thigh, and a red slap mark appeared on the snow-white flesh. That slap was so powerful...

"Teacher Han, just follow this plan!"

Han Lie glanced at him with a half-smile, and said in a nonchalant voice: "You are free to do whatever you want. But I will not participate in the project, I am only responsible for helping you increase your credit. But my shares... can't even get a single point. few."

"how come?!"

Gao Daomao smiled exaggeratedly: "Who dares to rely on your things? You are going to have dinner with Mr. Qiu tonight, right? Tomorrow we will go through the procedures and register the shares in your name!"

Han Lie only did such a small job, but he had to take away a full 20% of the shares. Of course Gao Diaomao felt distressed.

But when he thought about being able to default on the debt in the end... he didn't feel bad anymore.

Anyway, it’s a business without capital, so I’m afraid of it!

I spent over 300 million to acquire shares, and then I cheated out 2 billion, of which 1 billion was my own. I made a lot of money.

Without Han Lie, would this be possible?

No way!

In this case, that's what the little red guy deserves.

Moreover, if you want to have a second or third wave in the future, you will definitely need Xiao Chi to come forward.

Gao Diaomao knew very well that he did not have the ability or face to completely complete this closed loop.

As for risk...what can you do without risk?

More than ten times the profit, just do it!

Just like that, Han Lie used a piece of big cake to completely fool Gao Diaomao...

Greed is the first of all sins that cannot be cured.