Rebirth in a Perfect Era Chapter 727: Internal fund subscription
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Li Mu finished the meeting in Muye Science and Technology. Song Liang called out in excitement and told Li Mu a message that he had been waiting for the whole morning.
Song Zhilei has signed up!
The equity transfer agreement became effective immediately, and Wan Ying also paid him the acquisition fee of 20 million RMB. From this moment, Juncheng Real Estate became a 100% controlled company of Wan Ying.
Completely complete the acquisition of an enterprise with actual assets of more than 2 billion yuan or more. The actual cost of Li Mu is actually only 20 million. As for the remaining 800 million, it will be paid to Wei Lan after three years. More than 100 million, the leverage is magnified more than 100 times!
Li Mu asked Song Liang: "Have you told Old Chen?"
"Not yet, call you to inform the good news first, I will call him later."
Li Mu hastily said: "Brother Liang, call Old Chen later, so that he must urge Old Zhou and Zhao Haichao to go through the process and strive to issue funds in the shortest time!"
Song Liang smiled and said: "Relax, Old Zhou and Old Zhao are more than you."
Song Liang is right, Old Zhou and Old Zhao are indeed more attractive than him.
From the birth of the internet bubble to the present, the economic situation of China is not good. The weak domestic demand is a big problem. In order to stimulate investment and increase consumption, the country has cut interest rates eight times in the six-year period from 1996 to 2002. People can take the money out of the bank and boost the domestic economy.
Under this general economic environment that only stimulates people to withdraw money from banks, bank reserves are a big problem. If reserves are a problem, income will be greatly affected, so Old Zhou also has performance pressure.
The annualized interest rate of the fund to be promoted by Li Mu is 3 percentage points, which is already higher than the current national debt interest rate. The national debt still needs to be robbed. This higher interest rate and principal-guaranteed fund, for the banks that carry out agency sales Said, sales will be easier.
At the Old Zhou level, tens of millions of profits is not a big deal, but if he takes this wealth management product to his own bank, it is equivalent to giving his bank ’s basic staff a very good benefit, within the bank system There has always been an unwritten rules: high-quality funds are difficult to buy, because priority is given to bank employees, employees' relatives and friends. This fund is an additional small benefit for bank employees.
For Old Zhou, the more important thing is to hope to be tied with awesome people like Chen Ze and Li Mu. Naturally, the benefits will be endless in the future.
Zhao Haichao also has the same demand, Juncheng real estate + Muye Science and Technology, the two companies are worth 3 billion, this fund is definitely not risky, and there are considerable profits, this is in line with his profit-seeking appeal, except In addition, the opportunity to know Chen Ze and Li Mu is also a very important harvest for him. He would like to make this fund in the shortest time, and then throw it to Old Zhou to launch, quickly put the three Billion gangs Li Mu get it together, which is equivalent to taking a relationship with the two.
Chen Ze called Old Zhou and told him that everything was ready, and Old Zhou immediately synchronized with Zhao Haichao.
Zhao Haichao made a rough figure. The total issuance scale is 3 billion this time. In order to ensure sincerity, the fund company ’s commission is the same as the investor ’s principal and interest, and it will be settled after three years. The bank ’s 60 million commission fee is Wan Ying real estate. Advance payment.
The profit can only be obtained after three years. Zhao Haichao is not worried about any risks or lagging profits. After all, he does not have any cost to issue funds himself. It is nothing more than the qualifications issued with his own funds and his relationship with insurance company system With the issuance of its own fund company, underwriting by the old insurance company, and the underpinnings of Li Mu, the fund is completely reasonable and legal, without any sidelines. In this case, profit stagnation is not a big problem.
At noon, Zhao Haichao didn't care about the rest, and brought a team to start the fund process quickly.
He first rushed to Wan Ying real estate, checked the agreement that Wan Ying real estate was 100% controlled by Juncheng real estate, then signed by the legal person Song Liang on the pocket agreement, then he rushed to Muye Science and Technology non-stop, in the Li Mu's office, and Li Mu Signed the agreement between Muye Science and Technology and Juncheng Real Estate and all the details of the fund issuance contract.
After these written procedures are completed, Zhao Haichao will leave hastily and say to Li Mu: "I ’m going back to submit the materials for approval now. The approval responsibilities are not fully clear yet. In fact, it ’s just going through the process, as soon as this afternoon. Can be approved. "
Li Mu asked him: "When will it be handed over to the bank for sale?"
Zhao Haichao said: "All the required documents are ready. In theory, after we approve it this afternoon, we can directly connect the information to the bank and let them start consignment sales. We have a framework agreement with them and we do n’t have to go through the process Directly put our fund wealth management products on the shelves.
Li Mu overjoyed and blurted out: "The sooner the better, I will wait for your news!"
Zhao Haichao returned to the company and began to use the fastest speed. The fund was named "Tonghai Real Estate Development". Tonghai is the abbreviation of the fund company where Zhao Haichao is located. Real estate represents the fund ’s preferred area. As for the suffix It doesn't matter.
At 3:30 in the afternoon, all the processes including approval and underwriting have been completed. The reason why it is so fast is also due to the current imperfect management system of the fund industry.
The total circulation of Haitong Real Estate Development is 3 billion yuan RMB, issued by Haitong Fund, underwritten by Shoukang Insurance, Juncheng Real Estate and Muye Science and Technology, commercial banks are underwriting. The fund is a fixed-term investment fund with capital preservation and interest protection, and is subscribed in units of 10,000 yuan. , The subscription period is unified for three years, and the principal and interest will be redeemed at one time after three years. If a large-scale run occurs in the middle, the insurance company will be responsible for the run. Li Mu will pay the insurance company according to the interest rate given to the subscriber; if three years later, Juncheng real estate Neither Muye Science and Technology nor this fund can be redeemed, so the insurance company will redeem it for the subscribers, and then Juncheng Real Estate and Muye Science and Technology will fulfill the credit relationship with the insurance company.
In short, in the three-year period, Li Mu will take away the three billion yuan without any financial pressure. The insurance company will carry it in the middle of the situation. After three years, Li Mu can only be used to pay 3.5 billion in accordance with the contract. This agreement has no pressure on Li Mu.
When “Haitong Real Estate Development” went through the approval and underwriting process, Old Zhou convened a mid-to-high-level meeting of his bank responsible for fund agency system. At the meeting, Old Zhou concealed Juncheng real estate, Wan Ying real estate and Muye Science and Technology, just told Everyone, there is an investment fund issued by Haitong and underwritten by Shoukang to be issued through its own bank. It has a three-year period and an annual interest rate of 3%. It is underwritten by an insurance company and protects the principal and interest.
As soon as the news was announced, the director in charge of the fund business of the branches on the conference table was frying pan.
The interest rate has been cut eight times in six years, and the bank interest rate has been outrageously low. The interest rate on the national debt is slightly higher, but the amount is limited. Most funds take the opportunity to take the lead, but most of them do not guarantee the principal and interest. Of financial products are not very attractive to users.
A fund with a 3% annual interest rate of 3 billion and guaranteed capital and interest. The quality of this fund directly overshadows all the fund products in their hands.
So everyone is asking one thing about Old Zhou: "Three billion, how much can be reserved for internal employees?"
Old Zhou waved a big hand: "Haitong is now holding its thighs, so we dare to push this fund. In order to give Haitong the heart, we naturally sell as fast as possible, so my request to you this time has only one purpose : The sooner the better, if the internal employees and family members can subscribe within one day, then let them subscribe, if the subscription cannot be stopped, let your account manager contact the major customers of the financial management business, directly recommend, use the fastest Sell these three billion yuan at a speed and let Haitong take a look at us! "
Old Zhou didn't tell the truth. He didn't want Haitong to take a look at himself, but he wanted Li Mu and Chen Ze to take a look at himself.
Old Zhou's group of fund managers are also very happy. This kind of good financial fund is an internal benefit for the bank system. Even if you and your relatives cannot subscribe so much, introduce it to friends and classmates to subscribe. It's still a human relationship, why not? There are often people from outside who ask the internal employees of the bank for help to buy high-quality funds. Many young people in the bank even get the target and the mother-in-law by this point. This kind of welfare should not be too moist.
There are more than one hundred branch business halls and more than 4,000 employees in commercial banks in Yanjing. The internal digestion of 3 billion should not be a big problem. Even if the internal can not be digested within a day, those large customers can Help digest it within a day. Three billion yuan seems to be a lot, but when you look at it in the bank system, it will be a small amount of money.
So the Old Zhou early meeting ended, let everyone hurry back to their posts, make an announcement within the sub-branch they manage, and then count the number of internal subscriptions before 10 o'clock tonight and feed back to themselves.
Because of the implementation of Old Zhou and the management staff, more than 4,000 employees under the Yanjing branch of the commercial bank received this good news before work. The internal employees of the bank saw Haitong issue, Taikang underwriting, and principal and interest protection. After the key point, I know that this fund is an absolute high-quality fund. It is absolutely impossible to lose money. The interest rate is high and it is much stronger than the national debt. So employees who are interested in financial management are basically calculating how much they can subscribe, and then Then call your lover and family to discuss how much you can subscribe.
Because the evening is the summer brand day sale of Taobao.com, Li Mu will go to Taobao to accompany the team to fight hard, so I went back to the apartment near the company for a rest in the afternoon. Alarm clock, didn't expect was woken up by Chen Ze phone at ten o'clock.
The 14th In short that Chen Ze said on the phone was: "The three billion fund Old Zhou has all been pre-sold."
Li Mu is still drowsy, and when he hears this, a spirit turns up: "What? All pre-sold?"
Chen Ze yelled, and said excitedly, "It was sold out, all the **** was subscribed by the employees and family members of the commercial bank, and there was nothing left ..."
(To be continued.)