My Fintech Empire

"Brother Fang Ping, the Baijia shopping mall in the county has been in operation for many years, and you are a local who knows very well that this shopping mall is also sold at a very cheap price. You don't know that the debt of this shopping mall is currently in our hands. Yes, 10 million credits are worth 20 million assets." Mr. Li was eloquent at this time.

Sitting next to him, Mr. Tang also said: "That's right, Brother Fang Ping, 10 million versus 20 million. The assets of this project are very high-quality, and it will definitely not lose money after the offer. I will offer 2 million. If you can offer 3 million Wan, the two of us have a total of 5 million, and we will find a bank loan of 5 million, and together we will sell this shopping mall, and making money is a high probability event."

Fang Hong sat on the side without saying a word, drinking tea and nibbling melon seeds as if nothing had happened, but after hearing President Li speak, he basically knew what these people were playing.

It is also basically certain that it is 100% digging holes for Fang Ping, but at this time Fang Hong continues to eat melon seeds.

Mr. Tang said while the iron was hot: "And brother Fang Ping, in the area of ​​Baijia shopping mall, a lot of funds will be tilted here in the future. After two or three years, this land alone will not only cost 20 million, 40 million or even 50 million is possible."

As he said that, President Tang pointed to President Jin and said, "President Jin is here. I know that my words are not convincing enough. President Jin is from Shicheng Investment Company. This time I invited President Jin here to offset your doubts."

Fang Ping said suspiciously: "Mr. Tang, what I don't quite understand is that since this deal is almost guaranteed to make a profit, why don't you take it yourself?"

Fang Hong next to him nodded with satisfaction in his heart. Hearing the second brother's words and tone, he seemed to have lost his temperament of beating a worker.

Has the temperament that a boss should have.

At this time, Mr. Tang said helplessly: "Oh~, to tell you the truth, my brother, if I had the ability, I would have made the deal by myself, but I am so shy, I only managed to get 2 million cash by putting together everything. I came out and came to look for you when I learned that you have strength, brother."

The implication is that if I have money, the benefits will not come to you.

Fang Ping asked again: "Can the bank loan us 5 million?"

Mr. Li immediately said: "Don't worry, we have already communicated with the bank. This project is short of 3 million yuan. As long as the gap is filled, the 5 million yuan loan can be released in less than half a month."

When saying this, Mr. Li patted his chest to reassure, and Mr. Jin also nodded.

Fang Ping was silent for a moment, then he suddenly looked at Fang Hong who was kneading melons and drinking tea and asked, "Third brother, what do you think of this project?"

Um?

As soon as this remark came out, President Li and President Jin were surprisingly unanimous for a flash of surprise. After talking for a long time, they almost ignored the young man who was drinking tea and eating melons next to him.

And Fang Ping's words made the three of them keenly sense something unusual. The sentence "what do you think" showed that Fang Ping attached great importance to his brother's opinion, which they did not expect.

And at this time, Mr. Li and his colleagues recalled a detail just now, that is, when Fang Hong first entered the room, Fang Ping stood up directly.

Of the two brothers, Fang Ping is the elder brother, and logically speaking, the elder brother does not need to stand up and speak.

But Fang Ping got up, which showed that Fang Hong held a very important position in Fang Ping's heart, and he was very curious about what Fang Hong did for a while.

But at this moment, Fang Hong took a sip of tea and turned to look at Mr. Li and the three with a smile and said: "Three, I want to ask how many times have you passed this project?"

When the three bosses heard this, they were once again unanimously stunned, and couldn't help but look at each other.

The living room was silent for a while, and no one spoke.

After a while, Mr. Li couldn't help looking at Fang Hong and asked curiously, "Why do you ask me that?"

Fang Hong smiled and said, "Oh, just asking casually, nothing else."

Mr. Li saw that the other party looked like a college student, but he might not have studied, so he asked again: "I would like to ask a question, where is my brother?"

Fang Hong, still smiling, immediately replied: "A junior student at Xincheng University, currently working as an intern at an asset management institution, my boss took me through several projects similar to yours in Xincheng, including supermarkets and other projects, the lowest scale 30 million, the highest is more than 100 million."

Fang Ping, who was on the side, keenly realized that something was wrong when he heard this. Isn't the third brother a high-tech company? How can you say that you are an intern in an asset management organization?

Why would he lie?

Fang Ping had doubts in his heart, but he didn't show it, let alone expose his brother foolishly, and he had to cooperate when necessary.

But at this moment, when Mr. Li and the three heard Fang Hong's words, their hearts froze, which was embarrassing.

The three looked at each other again, as if they were making eye contact and said: [Oops, I met a colleague, and the plate is even bigger than ours...]

At this time, as long as the three of Mr. Li have no problem with their brains, they should know what Fang Hong meant by this sentence.

Even if they were indirectly persuading them to quit, they naturally heard the meaning.

So I don’t directly expose it, but I want to save everyone a face, have a cup of tea, chat and exchange business cards, which is almost meaningless, let’s leave.

If you have this time, you might as well hurry up and find the next receiver.

The three of them knew in their hearts that this trip was wasted.

It never occurred to me that Fang Ping's younger brother had worked in AMC, so let's forget about it, and he also worked on similar projects.

"Look, let me tell you what I said just now. Just looking at this young man's face, you can tell that the future is limitless." Mr. Jin said with a smile at this time, and Mr. Li and Mr. Tang also nodded in agreement with forced smiles.

It was embarrassing.

The two sides chatted for a few more minutes, exchanged cards, and left.

As the three of President Li left, the two brothers sat together, and Fang Jingshu was also sitting next to him. At this moment, Fang Ping asked, "Third brother, is there something tricky here?"

Fang Hong knocked on the melon seeds and nodded: "Well, it's not surprising that they pulled you into the game to get rid of Mr. Li's asset management company. I'm used to this kind of game. The few of them know that they can't trap you, so they will find someone to talk about it right away."

Hearing this, Fang Ping couldn't help thinking about it for a moment: "I said that the eyes of the few of them suddenly started to wander. I was very skeptical. Even if you were not present, I would not participate. This kind of look is 100% profitable. If it’s true, why don’t you take it all yourself? Share more than half of it with an outsider? I’m not blood brothers with him, why should this benefit fall on me?”

Fang Hong was quite relieved to hear this. His second brother got on the road very quickly, and immediately said in an orderly manner: "This game is actually just a few ways, with various repeated nesting. Take the top 100 shopping malls in the county as an example. Under normal circumstances, if you are directly asked to sell it, you will definitely not do it, so they have to move out of the Great Buddha, and then the Great Buddha tells you that in the future, there will be a large amount of funds from the National Investment Corporation in this sector, and it will definitely double in value in the future. "

"Under normal circumstances, you would ask the planning unit, but you will definitely not be able to find useful information, and you will not be able to believe it. If you can know exactly where the state investment fund is tilted, you will be at ease, so they brought out a general manager to endorse it. Ordinary people may be tempted to buy this project, and Mr. Li patted his chest and said that as long as the project is sold, the bank will definitely lend money, so don't worry."

Having said that, Fang Hong looked at Fang Ping and added: "But you have to understand a truth, the so-called Mr. Li and others, they eat, drink and wash their feet together all day long. You are not a core player in their circle, so why should you give you face?" ?”

"That makes sense." Fang Ping couldn't help but nodded, and immediately asked: "Oh, right, you just said that they wanted to lure me into the game to solve the trick for President Li. Why did you want to solve the trick for him?"

Fang Hong thought about it and said: "I reckon that Mr. Li's asset management company, when they took this project, they engaged in non-standard. Collecting money to sell the project, if he doesn't get the money out quickly, how can he explain to his boss?"

"That's why I came here to ask you to join the game. If you listen to them, sell this project, borrow money yourself and then borrow money from the bank, and finally sell that shopping mall. You are waiting here for the appreciation, and so on. Some state investment funds and the like came here to engage in regional tilt support, and they didn’t wait until they were eager to see through.”

"Gradually your cash flow is on the verge of drying up. You may set up a sale and leaseback to let people buy the shops in your shopping mall. Selling the shops quickly with the lease back can barely maintain a wave of cash flow, but those people can't get the return. The first thing Renzu does is to go to the mall to make trouble for you, how can you do it? Can you still do it?"

Fang Hong paused for a moment and continued: "Okay, the bank is suing you at this time, if you borrowed 6 million, the bank will sell your debt of 3 million in minutes and sell it to the asset management company. "

Hearing this, Fang Ping was stunned and said, "You mean, the bank sold him the 10 million creditor's rights of the Baijia shopping mall held by the asset management company under Mr. Li?"

Fang Hong nodded and said: "I reckon that the one who was taken advantage of last time probably borrowed more than ten million yuan from the bank."

Fang Ping called out: "Good guy..."

Fang Hong went on to say: "The last person who was taken advantage of by Baijia Shopping Mall is probably in a bad situation now, and the asset management organization under the Chengtou in the city over there, that is, Mr. Li, a few people came to you to sell this debt to you. , One bite at a time, my brother called kindly, let me tell you that 10 million is priced at 20 million, and it will be sold together. This underlying asset is very high-quality. If the other party does not pay back the money, we will immediately auction off the mall."

"How to do it? Continue to move the big brother out. The big brother is inferior and the younger brother is still engaged in non-standard. From the moment you raised funds, the big brother has already withdrawn with the inferior funds with interest. Because the bad The inferior funds in asset disposal can be used as advances.”

"This kind of non-standard debt has such a high default rate that it's hard to explain it in words. You can just go to the Pheasant Gold Exchange to get a fixed financing and it's over. Okay, now you're raising money to sell the project before you can respond Come on, this debt has already gone to a certain asset management company, and I will come to you to pay back the money immediately, not a penny is missing, if you can't pay the money, then auction your shopping mall."

Fang Ping suddenly asked: "Auction mall? But the question is who will take the auction?"

Hearing this question, Fang Hong smiled and said: "Good question, what should I do? Hey, people like Mr. Li jumped out again. When they found Zhang San, they immediately said, brother, I have a shopping mall here for many years. , it’s very cheap to sell it now, and some funds from the State Investment Corporation in this area will be poured in, and the value will definitely appreciate in the future, and it’s possible to double or triple.”

"So Zhang San's heart was moved, and he raised money everywhere and put it down, but it fell into his hands and was auctioned again. At this time, people like Mr. Li made a hey, and jumped out to find Li Si. Brother, I have a shopping mall here. It's been many years... Play the routine again, if it works, you will live, if Li Si also falls into your hand, repeat the routine, find Wang Laowu, if Wang Laowu can't do it, then Zhao Laoliu... The mall is always experienced Another hand, change people and names every once in a while."

Fang Ping was stunned, and Fang Jingshu, who was sitting next to him, couldn't help asking, "What about those who bought shops in shopping malls?"

Hearing this, Fang Hong glanced at his sister-in-law and said, "That was purely accidental."

Fang Jingshu was stunned, and said in a daze: "It's really dark..."

Fang Ping couldn't help sighing: "I didn't expect the water here to be so deep. Sure enough, except for your trustworthy brothers, any business that tells you 100% profitable is a scam, and you can't believe it."

After a while, Fang Ping looked at Fang Hong and asked, "Hey, third brother, why are you so clear about the Tao?"

Fang Hong smiled and said: "Oh, I have also accumulated some network resources in the financial circle, and I am also learning about it."

Hearing this, the brother and sister-in-law couldn't help but suddenly realized that they would not have any doubts about Fang Hong's words, and Fang Ping was also purely curious.

"Let's talk about Fang's Medicine Hall. I have done some homework in the past few months." Fang Ping said, then looked at his wife and said, "Jingshu, go to the middle shelf of the desk in my study." Bring over the documents, as well as the planning drawings for the integrated reconstruction of Fang Village."

Fang Jingshu got up and left the living room: "Okay, wait a moment."

Fang Hong, who was sitting by the side, was very satisfied, and his brother was also very caring, which is very good.

...