My Fintech Empire

Hua Yongming started to talk about the business, and Fang Hong smiled in surprise after hearing his narration: "...with my personal profitability of 300 million yuan per year as the base value, and the beneficiary rights for the next 33 years as a pledge, Pay 36% annual interest, and use this to place 10 billion in liquidity at my disposal?"

It has to be said that this wave of Huayang Group is also a big gamble. Fang Hong is naturally happy if he succeeds.

Because if Fang Hong fails, it means that the expectation of his future beneficiary rights will be greatly reduced, and he will be locked up for 33 years. If he does not earn that much money every year, he will actually earn less than 300 million a year, but only 30 million. , even if it is locked for a lifetime, it will not pay back the money.

This is also the biggest potential risk Huayang Group has to bear, and it is no wonder that such a high interest rate is required.

Hua Yu explained it to Fang Hong, and he nodded and said, "Yes, that's what my father meant. As long as you nod your head to approve the plan, my father at Huayang Group will immediately work with all his strength and set up the 100 yuan for you. Hundreds of millions."

Fang Hong smiled calmly: "At this age, the old man can play so aggressively and with such courage, comparable to Stud. If I, a young man, are persuaded, will I still have the vigor of a young man? Follow me."

There is no reason not to follow.

As long as you can grasp the liquidity in your hands, you are making money!

The essence of finance is to borrow money. Once the money is borrowed, you will win half of it first.

Although the cost of capital brought by the 36% annual interest rate is indeed very high, and he would definitely not accept it under normal circumstances, Fang Hong dares to accept it because he is 200% sure that he will make a lot of money several times, even if he can double his income in a year. The rate of return, the profit of 10 billion yuan minus the capital cost, the net income is 6.4 billion yuan.

Without borrowing this money, it is true that there is no need to pay the capital cost of 3.6 billion, but the net income of 6.4 billion is also gone.

Fang Hong is 100% sure of making a profit. Even if Hua Yongming offers 50% annual interest, as long as he is willing to borrow money, he will still receive it. The more he borrows, the more he will earn. There is no reason not to accept it.

In short, the more the merrier.

What's more, Fang Hong actually didn't intend to borrow for five years at all. In fact, he borrowed for nine months, with an annual interest rate of 36% and a monthly interest rate of 3%. The nine-month capital cost of 27% is 2.7 billion.

After a while, Fang Hong suddenly said: "But I also have a plan, the old man can see if he can consider it?"

Hua Yu glanced at him in surprise, and said, "Please tell me."

Fang Hong smiled methodically: "My plan is, if my profit more than doubles in the next year, how about converting the Huayang Group's capital with interest into Qunxing Capital's equity?"

As soon as these words came out, Hua Yu was taken aback on the spot, and even called him a good guy in his heart.

My Hua family is only interested in your Fang Hong's interest, but you Fang Hong is even eyeing my Hua family's principal?

Fang Hong really did not want to pay back the money he borrowed, so he directly performed a debt-to-equity swap operation to realize cash.

Huayu, who was stunned for a while, reacted and said, "I can't decide this matter, but I want to know, if the debt is swapped, how much equity in Qunxing can I get for 13.6 billion?"

Fang Hongyan said succinctly: "The ratio of stock transfer is 5%."

Huayu looked at the other party in astonishment: "What? You can only get 5% of the equity for the transfer of shares even with the principal and interest of 13.6 billion?"

While saying this, Hua Yu called Fang Hong in his heart, are you out of your mind?

Fang Hong didn't know what the other party was thinking, and he said calmly with a smile: "Brother Hua, this is still a friendship price. When the performance of the stars comes out a year later, the valuation will not be the current 20 billion, but 300 billion, 13.6 billion converted to 5% of shares, but it is valued at 272 billion. If it is someone else, it will not get 5% of the 13.6 billion after a year. "

At this time, Huayu was speechless when he heard these words. According to him, Huayang Group took advantage of him.

Huayu couldn't help but said: "Brother Fang, the valuation of the stars is not 300 billion if you say it will be worth 300 billion a year later, and the market has the final say."

Hearing this, Fang Hong shrugged indifferently and said, "Whatever, I don't care how the market values ​​it. It won't affect the real value of the stars."

Hua Yu really couldn't figure it out, why?

This is 300 billion, not 30 million. How can Qunxing Capital be worth 300 billion a year later?

Fang Hong also said: "When the market gives Qunxing a valuation of 300 billion, it also means that the price of 13.6 billion can't buy 5% of the equity. This will test the vision of decision makers to discover value."

As he said that, Fang Hong paused, looked at Hua Yu and said with a smile: "Just like the stars when I met Mr. Hua half a month ago, 1 billion can get 5% of the shares, but now half a month later , the same 1 billion 1% can’t get it.”

Huayu didn't refute it, it was true, because Fang Hong only spent half a month to prove his value, and it reflected that the company he led was more valuable than Qunxing Capital.

Huayu also knew the meaning conveyed by Fang Hong's words, that is, he said that he should be one step ahead of others and the market to discover the value, and then get a better return if he made a move first.

When everyone discovers the value, the best time window for intervention has been missed. At this time, it should be called the realization of the expected value rather than the discovery of value.

At the end, Hua Yu looked at Fang Hong with a teasing voice and said with a smile: "I have to say, Brother Fang, you are very good at fooling around, especially the confidence and calmness you show, which makes people hard to control, at least I can't control it." allow."

"Hahaha..." Fang Hong laughed loudly, and said immediately: "There is no rush, I just gave an expectation in advance, isn't there still a year for Huayang to fully consider it, and it will not be too late to make a decision at that time .What’s more, my previous promise remains unchanged, to get me 10 billion liquidity within the year, and you get 1% of Qunxing’s equity.”

In this regard, Huayu is naturally unambiguous, let alone refuse.

A 1% stake in Qunxing Capital is worth 200 million based on the current valuation, and Huayu knows that it will definitely be worth more in the future.

The two chatted for a while, and Fang Hong left the company.

When you get the 10 billion liquidity, you will immediately stud the core assets of the big A, and then carry out the circular pledge of the stock, and you can get 11.6 billion liquidity through the 10 billion yuan, just like the previous One idea for the 1 billion pledge operation.

For the next 2009, Fang Hong already has a good idea of ​​Qunxing Capital's expected income. About 37.9 billion is considered to meet the standard. After removing the capital cost of Huayang Group's 2.7 billion, and excluding the 8% of the stock cycle pledge The annual interest cost is estimated at about 1 billion per year.

That is to say, the total capital cost is 3.7 billion, 37.9 billion minus 3.7 billion, and the expected net profit is 34.2 billion. This is basically Fang Hong's start from Huayang Group's financing of 1 billion, and the whole audience is empty-handed. the result of.

Using other people's money to make money for oneself, finally gave birth to an expectation of 34.2 billion.

...

That night, Hua Yu gave a detailed report to his father, Hua Yongming, and at the same time explained Fang Hong's proposal in detail.

"Hehe..." Hua Yongming couldn't help laughing after listening to his son's report: "This young man's appetite is really shocking!"

Huayu also sighed: "He is too confident, the subtle thing of confidence is sometimes true... It even made me think for a moment, if Huayang does not want 5% of Qunxing's equity in one year, choose 13.6 billion It would be a huge mistake in decision-making."

Standing in Huayu's vision, Fang Hong in his eyes is an extreme radical, even arrogant, but he has to admit that he has the capital of arrogance, and time gradually proves his correctness.

This time, he predicted that the higher-ups would launch a strategy of sending home appliances to the countryside to boost domestic demand. Huayu also believed that it would not take long to prove whether he was right or wrong.

Once or twice, it can be said that it was luck, and I happened to bump into it!

But if it is accurately predicted in advance every time, this kind of person is equivalent to dancing on the pulse of the times, and its value is inestimable.

Hua Yongming played with the wrench on his thumb and said with a smile: "He's right, don't worry, he said to watch it in a year, then I'll watch it in half a year and then talk about it. Right now, I'll get him 10 billion before I talk about it. Let's see how fancy he can play."

...

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