Just when Chen Ze and Song Liang were surprised, Li Mu's words shocked everyone present.
I saw Li Mu ask Lao Zhou with a serious expression: "Lao Zhou, if I entrust you with help, find a fund company that cooperates with you to customize an investment fund sold directly by a bank. Assume that the fund size is 3 billion, and the subscriber will pay for it every three years. The interest rate is 3%, principal and interest are guaranteed, how long do you think it will take to sell out?”
Chen Ze and Song Liang were startled when they heard this, and they were shocked in their hearts! Issuing an investment fund? Is Li Mu going to get 3 billion to save Juncheng Real Estate? Aren't investment funds linked to securities and stocks? Also, how exactly does this thing work? I don’t understand it at all!
At present, funds have just become popular in China, and they are only doing business in first-tier cities. Neither Chen Ze nor Song Liang know the specific operation mode of the fund, so they don't understand how Li Mu plans to operate it.
However, there are knowledgeable people present. Lao Zhou is a bank executive and an expert in the financial field. He is very clear about the current operation mode of the fund. However, when he heard that Li Mu said that he wanted to find a fund company to issue funds, he was stunned and said: " With 3% guaranteed capital and interest, it should be sold out soon.”
With that, Lao Zhou further explained: "The key is that fund companies will be willing to initiate funds only if they can see strong project income guarantees. You promise to guarantee principal and interest, but fund companies will only be willing to do so if they have absolute guarantees and profit margins." Do it, and the details are very confusing, so it may be difficult to operate it privately."
Lao Zhou thought that Li Mu wanted to take advantage of the fund's chaos and immaturity to gain nothing in the fund market. The amount of three billion was neither big nor small. If he had nothing, the risk would be too great to pass on to banks and fund companies.
Li Mu said calmly: "I checked the current laws and regulations. The laws and regulations on investment funds are still very vague. Basically, fund companies have a lot of autonomy, and even banks have a lot of autonomy. right?"
Lao Zhou nodded bravely: "This area is indeed quite chaotic now. There are not many rigid standards. The country has only introduced some temporary measures."
Li Mu knows in his heart that the fund field has always been a muddy pool. Let alone now, this industry will not be fully regulated in another ten years. Now if he wants to use the hands of fund companies and banks to issue funds, he only needs to make them feel that they can take advantage of it. If you live at the bottom, you have a lot of room for maneuver.
Chen Ze and Song Liang finally understood. Chen Ze asked Li Mu in surprise: "Do you want to issue a three billion investment fund to solve the funding gap of Juncheng Real Estate?"
Li Mu didn't hide it, nodded and said, "That's right."
Chen Ze nodded and said, "That's a good idea. The key is a three-billion-dollar fund, guaranteed principal and interest for three years. What are you going to do to protect the fund company?"
Li Mu smiled confidently and said: "I am here to back this fund as the biggest guarantee. When the three-year period is up, I will redeem it with interest."
Song Liang was a little surprised. He said: "Xiao Mu, I have no doubt that you can easily redeem the more than 3 billion funds in three years. In fact, it is enough to unblock the assets of Juncheng Real Estate and realize them, and we still have some profit." , but the question is, what is the mortgage now?”
Li Mu smiled and said: "This is the biggest difference between a fund company and a bank. It's not a loan for me to cover the expenses, and it's much easier than a loan. What the fund company values is whether I have the ability to cover the expenses. I can directly use it." Juncheng Real Estate provides the fund company with security. Banks have their own principles and do not accept mortgages of seized assets, but fund companies are much more flexible."
After a pause, Li Mu added: "The current situation of Juncheng Real Estate is very clear. As long as the three billion yuan is in place, it will be able to revitalize the market in the future, and at least more than five billion yuan will be revitalized. As long as the fund company understands the specific situation, it will definitely be able to make a judgment Is there any risk in this project? I believe they will be willing to do it if they see enough profits. After all, it is not their funds that are occupied, but the investors’. For them, as long as they issue funds, they can take investors’ money. Come and make my money, what else do they have to worry about?”
Although Lao Zhou didn't know about Juncheng Real Estate, he partially agreed with what Li Mu said, saying: "Fund companies are indeed much more flexible, but they will also be more cautious to a certain extent. If the seized assets are unblocked, the probability They may recognize the value privately, but the amount they recognize will also be discounted, and the longer it takes to redeem it, the less likely they will be.”
Song Liang and Chen Ze are also worried about this. Juncheng Real Estate has been sealed by the court, and there are more or less risks involved. Although the fund company is seeking profits, the current situation of Juncheng Real Estate is worth their risk of more than 3 billion.
Li Mu waved his hand, chuckled, and said domineeringly: "It doesn't matter, if they feel that Juncheng Real Estate can't afford three billion, then I will take Makino Technology with them! Anyway, we all know in our hearts that Juncheng Real Estate is a fatal threat It’s a bank loan. As long as the loan is repaid, the rest is just a matter of time. Isn’t three years enough?”
"No matter how courageous the local public prosecutor is, they would never dare to seal up a company with more than 5 billion assets for more than three years. Lanke Group does not have such great ability. What's more, as long as this plan works, Weilan will 80% of the shares of Juncheng Real Estate were transferred to Wanying. Once the transfer was completed, both the local public security bureau and Lanke Group would have to reconsider. What they were seizing was no longer Juncheng, but Wanying's property. Moreover, this Makino Technology is behind this, so they have to weigh my influence, right?"
Chen Ze's eyes lit up: "It sounds like it's really feasible!"
Li Mu smiled confidently: "Of course, we all know that after the three billion loan is repaid, the more than five billion total assets seized by Juncheng Real Estate will definitely be released. These more than five billion assets, plus Makino Technology, the two companies have pledged a total of 3 billion yuan, will the fund company lose the fund? And the pledge is not a mortgage, I only need to take out more than 3 billion yuan to accept it when it expires, the risk is only in the money."
Lao Zhou nodded repeatedly: "In that case, the fund company must have a bottom line. The key is, Mr. Li, how much profit margin can you give them?"
Li Mu said: "Including the interest paid to subscribers, the profit points given to fund companies and the profit points of banks, if we make a full calculation, if I give 800 million profit to all links, it will be enough to make a living, right?"
Lao Zhou nodded and said: "If it were not so much, the annual interest rate for subscribers would be 3%, and the total interest rate for three years would be 270 million. For the fund company, it would definitely be able to cover the bottom line, and the gross profit would supplement them by 50 million." They will definitely rush to do it."
Li Mu asked him: "If this is the case, how much profit will be paid to your bank if your bank acts as an agent for direct sales?"
Old Zhou thought for a moment and said, "Since Mr. Chen is here, I won't say much. Once your fund is launched, we will only make two points to the fund company."
Li Mu asked him: "If you calculate it this way, after three years, I only need to pay a maximum of 3.56 billion to the fund company, right?"
Lao Zhou nodded: "Yes, that's enough."
Li Mu immediately beamed with joy and slapped the table: "The cost of 560 million is much lower than the cost of the loan! It's a lot less than I expected. Lao Zhou, could you please help me contact the fund company? It's best We can meet today!”
Lao Zhou said, "Then I'll make a call and arrange to come over and chat in person." After saying that, Lao Zhou picked up his cell phone and left the office first.
As soon as Lao Zhou walked away, Song Liang looked at Li Mu in amazement and said, "Fuck, okay, Xiao Mu, you can think of this method. If it succeeds, wouldn't there be more than a billion profits?"
Li Mu nodded: "If the cost is 560 million, the profit margin can be more than 2 billion at least. If this matter is reliable, I hope the court really delays it for three years before unblocking it. After three years, Juncheng Real Estate will The housing prices may have to double! In that case, the net profit margin may reach three to four billion or even more.”
Chen Ze said: "Juncheng Real Estate is the property of the Weilan family. In the end, we took the majority. If this happens, there will probably be a gap in our hearts in the future, right?"
Li Mu said: "This is the spirit of the contract. You have to accept it after signing it. If she will have a gap in her heart because of the contract she has signed, then I am afraid she will not be able to become a true partner. On the contrary, if she has been in Wanwan in the past three years, If Ying Ying shows her value, then after the whole thing is over, in addition to the 800 million cash promised to her, we will give her some Wanying shares as an incentive and compensation, so that we will be unbreakable partners in the future. It’s related.”
Song Liang clapped his hands and said in agreement: "This idea is so damn awesome. If it succeeds, we can solve the 3 billion capital hole without spending a penny or borrowing money, and at the same time, we can make billions in profits in the future." Space, I think this method is not only suitable for the current Juncheng Real Estate matter, but can also be used if we want to cash out large sums of money in the future. The threshold is low, the cost is low, and it is very cost-effective!"
Li Mu waved his hand: "Extraordinary times use extraordinary methods. I don't use this method now. Others will definitely use it in the future. But no matter who uses it, it will attract a lot of imitators. Once someone imitates it, there will be someone who is trying to trick them." When the time comes for kidnapping, the country will definitely take control. We can take advantage of the chaos and take advantage of it, but we must stop it in moderation, so I am only going to play this trick this time."
Song Liang looked at Chen Ze helplessly and sighed: "Did you see the new mode he came up with, and he said he would only play it this time? What kind of mentality is this?"
Chen Ze smiled and said, "What kind of psychology is this? He has to pretend all by himself, so why should we care about his psychology?"
Having said that, Chen Ze really admired Li Mu in his heart, and he increasingly felt that Li Mu, as a partner, really contained unlimited possibilities.
Song Liang had the same view in his heart, nodded, and said in harmony: "Okay, let's stop talking nonsense and applaud Boss Li first!"
I was typing until about three o'clock last night. As a hard-working part-time writer who works full-time on 996, no one else has such enthusiasm and diligence! I shamelessly ask for some monthly passes, rewards and subscriptions, but that’s not too much!
(End of chapter)