Cosma Empire

In the narration of Mr. Jackson, Doolin knew what happened in the morning. He talked with Mr. Jackson alone five days ago. At that time, Mr. Jackson's did not completely fall to Doolin, but he made an agreement with Doolin. .

At that time, Du Lin told Mr. Jackson very surely that the two major banks could not support an opponent to compete for their future interests. No matter what the two major banks promised them, they would eventually formulate some legal termination agreement. When necessary, Let them go bankrupt and go bankrupt to unleash market potential.

There is no such thing as a capitalist who cultivates an enemy by himself and is defeated by him to prove the change of the times, or when he becomes stronger and then defeats him to prove his strength. The essence of the capitalist is full of infinite desire for benefits. Perhaps It is true that there have been such "outstanding" capitalists in history, but they are all dead, and no bones are left.

The more mature the economy is, the more experienced it is when playing with the capital game. If one day you feel that someone is not asking for anything in return, sincerely for your sake, for your sake, and want to give you the best things, When thinking about you all the time, there are only two possibilities:

The first possibility is that your family and elders, their love for you will never be mixed with other things.

The second possibility is that the person must be the sales manager of a certain company. Before you sign, you can treat him as the son who has been separated for many years but is filial piety.

In the morning, Mr. Jackson reached the meeting site, and after they met, they took out the insurance company registration certificate according to the previous agreement, and the shareholders were these "retail investors". Then they signed an industry self-regulation letter and agreed with the security deposit proposed by Mr. Taylor. Less than 50 million requirements.

Then Mr. Belito came up with a full two-inch agreement. After the lawyer explained that they signed their names, Mr. Belito did “give” them after signing Fifty million. But these five thousand were not directly handed over to them, but continued to be placed in the vault of Southern Commercial Bank, or put in the public account registered by the Western Insurance Company with the Southern Commercial Bank.

In the agreement between them, when the western insurance company had to pay insurance premiums, after the preliminary approval of the western insurance company, they submitted the application for reimbursement to the Southern Commercial Bank. The Southern Commercial Bank organized an investigation team to investigate. As a result, they believed that they should pay the insurance money that they need to settle in the hands of their equity holders from the 50 million li that they have in their vault but belong to the western insurance company.

In other words, the Southern Commercial Bank does not need to take out a penny of real gold and silver, and the western insurance company has already borrowed the same amount of air from them. The reason for this is that they will The company account was opened in Nanfang Commercial Bank, and the money was "deposited". Bellito and South Commercial Bank were equal to left-handed and right-handed and also secured a third insurance company.

Such behaviors and actions are insulting Mr. Jackson and others, but they have already signed a series of contracts, including a series of agreements with Southern Commercial Bank.

According to the current agreement they signed, if they stop playing now and declare bankruptcy and liquidation, they will also have to bear a loan of 50 million, and as a "special" loan, if this money cannot be used for special business, it is insurance In the case of company deposits, they must pay normal bank interest, and this interest must be paid for three years, before three years can be paid back the principal!

To put it simply, Western Insurance Company, that is, Mr. Jackson and others opened a company account with Southern Commercial Bank, and loaned 50 million of Southern Commercial Bank to them as a security company's security deposit. In the middle, Southern Commercial Bank and Western Insurance Company signed a distinctive loan contract. Southern Commercial Bank used 50 million cash as special funds without collateral, that is, the western insurance company's industry deposit was lent to Western Insurance Company.

Because there is no collateral, for the safety of funds, Southern Commercial Bank requires Western Insurance Company to ensure and sign a special contract. In the supplementary clause, these 50 million loans must be stored in Southern Commercial Bank. In order to avoid risks, The claims submitted by the western insurance company need to be confirmed by the South Commercial Bank before they can be paid to prevent fraud and arbitrage.

No matter what the reason, the Western Insurance Company lost its business ability and was disqualified from providing insurance services, this 50 million loan will be executed at the normal loan interest rate and executed for three years!

From a commercial point of view, in this series of contract agreements, although Southern Commercial Bank was very strong, they did nothing wrong. There are no collaterals, nothing concrete to resist risks, and they have done so with a very good conscience, which is a business model.

However, a series of problems followed. The most prominent one is that the three insurance companies cross-shared with each other. According to the requirements of the South Commercial Bank and the Imperial Bank of China, the three companies exchanged shares according to market value. To some extent, this warms up Jackson and others. The retail investors are very good news. It's like a group of poor ghosts built a three-story broken house with bricks picked up by the road. Now they exchanged the two floors of this broken house for two skyscrapers next door. Two of the rooms, they made anyway.

But is that actually the case?

Of course not. Playing capital games with banks and bankers is not a simple matter. The reason why Mr. Jackson and others are willing to sign the contract agreements that are not equal and obviously put themselves at a disadvantage is because the two major banks have come up with Cross-shareholding was used as a temptation.

They can transform themselves into shareholders of the two major insurance companies and complete a gorgeous transformation. They have nothing to lose. As long as the two major banks are really willing to sign, they earn.

But the operation of the next two major banks made them realize that from beginning to end, the two major banks did not consider them as partners. Perhaps their disposable tools are more suitable!

According to the previously agreed calculation of the market value-the idea of ​​Mr. Jack and others is that each of the three companies has a 50 million security deposit. Although the three companies have been registered, they have no other assets until now. The current market value of the three companies are all equal.

They are too high on bankers' conscience and face protection, and they too underestimate the ambitions and means of these people. Subsequently, both Bellito and Taylor came up with a new instrument. The two banks "accidentally" loaned 150 million cash unconditionally and without interest to the two insurance companies, and the security deposits of the two insurance companies From 50 million directly to 200 million! In other words, the total assets of the western insurance company at this time were only 25% of either of them!

In accordance with the requirements of "equivalent" cross-shareholdings of the two parties, Southern Commercial Insurance Company and Imperial Insurance Company each took out 15% of the shares as the proportion of cross-shareholding, of which 7.5% was Southern Commercial Insurance Company. Part of the shareholding exchange with Imperial Insurance Company, the other part is the respective 7.5% of the shares of the two companies, which will replace 30% of the shares of Western Insurance Company, which means that Western Insurance Company Sixty percent of the shares are held by the two major banks.

In just ten minutes, the Western Insurance Company became the puppet of the two major banks, and they also took on a heavy loan, which made Mr. Jackson dissatisfied because they were united by retail investors, so even just The remaining forty percent of the shares are not owned by a single individual, but are divided by seven people, each of whom has been allocated shares ranging from three to eight percent.

This ... why is it different from what we imagined?

But at this time, a lot of pre-contract documents have been signed. They want to regret it too late ~ www.readwn.com ~ not to mention those terms and punishment systems that involve breach of contract, only 50 million is enough The seven successful businessmen dreaming of getting rich are cold. Coupled with the fact that the opinions of these seven people have not been unified, someone must have begun to rely on the two major banks, and when they left, they said that the bank is optimistic that the insurance business will continue to inject capital. Mr. Jack has realized that it is not possible to In this game, not only will he not get his share, but he may also have to bear huge debts.

This led him to make a final decision directly, and fell completely to Du Lin, working with Du Lin to seek protection.

If the two major banks continue to inject capital to dilute their shares, Mr. Jack and his "friends" have only two ways to go, or they will continue to scrupulously follow the capital injection to ensure that they own the shares of the two major insurance companies. It will be diluted to the extent that even shareholders ca n’t be considered because of continuous capital injection. Or just sit and watch the two major banks continue to make capital injections, and the share of the shares in their hands continues to shrink. It is likely that only a few hundredths to a few hundredths will end up Degree!

From the essence of the business economy at this time, in fact, Mr. Jackson's property has not shrunk, because one hundredth of a million is 10,000, and one tenth of a million is still 10,000. But after the equity is diluted, they will not have a say. At the same time, the capital means of the two major banks can easily break their cash flow, force them to fail, and then recover this part from their hands at a very low price. Equity.

This is a normal game of capital games. If everything is true and fair, there will be no story of big fish eating small fish, and everyone will have no competition for a long time. It is precisely because there are many reasonable and irrational methods that can enable some people to buy gold in the hands of others as stones, so there is a prosperous economic market and financial circle.

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