Chapter 715

Just when Chen Ze and song Liang were surprised, Li Mu shocked all the people present.

Li Mu asked Lao Zhou with serious expression: "Lao Zhou, if I entrust you to help me find a fund company that cooperates with you to customize an investment fund directly sold by the bank, assuming that the fund scale is three billion yuan, the annual interest rate of the three-year period of the subscriber is 3%, and the principal and interest are guaranteed, how long do you think it will be sold out?"

Chen Ze and song Liang were shocked at the look! Issuing investment funds? Li Mu depends on this to get three billion yuan to save Juncheng real estate? Isn't investment fund linked to securities and stocks? What's more, how does it play? I don't know at all!

At present, the fund has just become popular in China, and it only operates in the first tier cities. Chen Ze and song Liang are not clear about the specific operation mode of the fund, so they do not understand how Li Mu is going to operate it.

However, there were people who knew the bank, and Lao Zhou was a senior executive of the bank and an expert in the financial field. He was very clear about the current operation mode of the fund. However, hearing Li Mu say that he would like to find a fund company to issue funds, he was stunned, saying, "3% guaranteed capital and interest should be sold out soon."

"The key is that fund companies are willing to launch funds only when they can see the strong project income guarantee. You promise to guarantee the principal and interest, but fund companies are willing to do it only when they have absolute guarantee and profit space. Moreover, all the details are very confusing. It's difficult to operate privately."

Old Zhou thought that Li Mu wanted to take advantage of the chaos and immaturity of the fund. In the fund market, the amount of three billion yuan is not small. If the amount of money is small, the risk of transferring to banks and fund companies would be too great.

Li Mu said calmly, "I have checked the current laws and regulations. The laws and regulations of investment fund are still very vague. Basically, fund companies have a lot of autonomy, even banks have a lot of autonomy, right?"

Lao Zhou nodded, "this one is really messy now. There are not many rigid standards. The state has just introduced some temporary measures."

Li Mu is clear in his mind that the fund field is a muddy pool. Let alone now, in another decade, the industry has not been fully standardized. Now he wants to issue funds by fund companies and banks. As long as they feel they can hold the bottom, they have a lot of operating space.

Chen Ze and song Liang also understood. Chen Ze asked Li Mu in surprise, "do you want to issue three billion investment funds to solve the capital gap of Juncheng real estate?"

Li Mu did not hide it, nodded and said, "that's right."

Chen Ze nodded and said, "the idea is very good. The key is three billion fund, three years, guaranteed capital and interest. What are you going to take to protect the fund company?"

Li Mu smiled confidently and said: "I come to sell this fund the bottom is the biggest guarantee. Once the three-year term comes, I will redeem the principal with interest once."

Song Liang was a little surprised. He said, "Xiaomu, I have no doubt that you can easily redeem these three billion plus funds in three years. In fact, it's enough to unseal and realize the assets of Juncheng real estate, and we still have money to earn. But the question is, what kind of mortgage do we take now?"

"This is the biggest difference between a fund company and a bank. It's not a loan, and it's much easier than a loan. What the fund company attaches importance to is whether I have the ability to cover the bottom. I can directly use Juncheng real estate to cover the bottom for the fund company. The bank has its own principles and doesn't accept sealed asset mortgage, but the fund company is much more flexible."

After a pause, Li Mu said: "Juncheng real estate is in a very clear situation. As long as three billion yuan is in place, it will certainly activate in the future, and at least activate more than five billion yuan. As long as the fund companies understand the specific situation, they can definitely judge whether the project has risks. I believe that in the face of sufficient profits, they will be willing to do it, after all, they do not occupy it The fund, but the investor's, for them, as long as they issue the fund, they can take the investor's money to earn my money. What else do they have to worry about? "

Although Lao Zhou didn't know about Juncheng real estate, Li Mu agreed in part with what he said, saying: "fund companies really need to be much more flexible, but they will be more cautious to some extent. If the probability of unsealing the sealed assets is great, they may recognize the value privately, but the recognized amount will also be discounted, and the longer the redemption time is, The worse they are

Song Liang and Chen Ze are also worried about this. Juncheng real estate has been sealed up by the court. There are more or less risks in it. Although fund companies pursue profits, is Juncheng real estate worth taking more than 3 billion risks?

With a wave of Li Mu's big hand, he hums and laughs, and says, "it doesn't matter. If they feel that Juncheng real estate can't hold three billion yuan, I'll take Muye technology together. Anyway, we all know that the fatal threat of Juncheng real estate is bank loan. As long as the loan is repaid, the rest is only a matter of time. Isn't three years enough?"

"No matter how bold the local public security law is, it will never dare to seal up an enterprise with more than 5 billion assets for more than three years. The blue Tech Group has no such ability. What's more, as long as the plan works, Weilan will transfer 80% of Juncheng real estate's shares to WANYING. Once the transfer is completed, both the local public security law and the blue Tech Group will have to reconsider, What they seized is no longer Juncheng, but WANYING's industry. Moreover, there is a fundamentality of Makino technology in it. They have to weigh my influence, right? "Chen Ze's eyes brightened: "it sounds like it's really feasible!"

Li Mu said with a confident smile: "of course, we all know that after the 3 billion loan is repaid, the 5 billion plus assets of Juncheng real estate will definitely be released. With the 5 billion plus assets and Muye technology, the two companies will win the bottom three billion. Will the fund company still have the bottom? And it's not a mortgage. When it's due, I just need to pay more than 3 billion yuan for acceptance. The risk is only money. "

Old Zhou repeatedly nodded: "so, the fund company must have a bottom, the key is how much profit space can you give them?"

Li Mu said: "when we calculate the interest for subscribers, the profit point for fund companies and the profit point for banks, it's a complete calculation. I can make 800 million profit for all links to break the sky, right?"

Lao Zhou nodded and said, "otherwise, the annual interest rate of subscribers is 3%, and the total interest rate of 3.3 billion years is 270 million. For fund companies, they are sure to catch up with the bottom, and they will definitely catch up if the gross profit makes up for 500 million for them."

Li Mu asked him, "if so, how much profit do you need to pay to your bank for direct selling?"

Mr. Zhou thought and said, "I don't want to talk about Mr. Chen here. Once your fund is issued, we will only mention two points with the fund company."

Li Mu asked him, "in that case, after three years, I can only pay 3.56 billion yuan to the fund company at most, right?"

Lao Zhou nodded, "that's right, enough."

Li Mu immediately beamed and clapped the table: "the cost of 560 million yuan is much lower than the cost of loans! It's a lot less than I expected. Lao Zhou, please contact the fund company for me. It's better to meet today! "

"Then I'll make a phone call and make an appointment to talk face to face," Zhou said With that, Zhou picked up his cell phone and left the office first.

Old Zhou left just before, song Liang looked at Li Mu with a look of amazement and said: "I fuck, OK, Xiao Mu, you can think of this way, if it succeeds, wouldn't there be more than one billion profits?"

Li Mu nodded: "if the cost is 560 million, the profit space will be less than 2 billion. If this thing is reliable, I hope the court will delay for three years and then unseal it. If the house price of Juncheng real estate is not good, it will double! In that case, the net profit margin may reach three, four billion or more. "

Chen Ze said: "Juncheng real estate is the industry of Weilan family. At last, we took the lead. I'm afraid that there will be a gap in our hearts in the future."

Li Mu said: "this is the spirit of the contract. If she signs the contract, she will have a gap in her heart. I'm afraid that she can't become a real partner. On the contrary, if she shows her value in WANYING in these three years, then after the whole thing is over, besides the 800 million cash promised to her, we will provide another 10000 shares properly Give her a share as an incentive and compensation, so that everyone will be an unbreakable partnership in the future. "

Song Liang clapped his hands and said with approval: "this idea is so damn awesome. If it succeeds, it can solve the three billion capital hole without any money or loan. At the same time, it will fight for the next several billion profit space. I think this method is not only suitable for the current Juncheng real estate business, but also can be used if we want to cash in a large amount of money. The threshold is low , low cost, very cost-effective! "

Li Mu waved his hand: "it's a very opportune way. I don't need to use this way at present, but it will be used by others in the future, but whoever uses it will attract a lot of imitations. Once someone imitates it, someone will cheat in it, and then the state will control it. Now we can take advantage of the chaos, but we must stop it In this way, I'm only going to play this once. "

Song Liang looked at Chen Ze helplessly, and said with emotion, "have you seen the new pattern he came up with and said that he only played this time? What's your psychology?"

Chen Ze said with a smile: "what psychology? Why should we care about his psychology when we force him to finish loading alone? "

Although he said that, Chen Ze really admired Li Mu in his heart, and increasingly felt that Li Mu, as a partner, really contained infinite possibilities.

Song Liang has the same opinion in his heart. He nodded and sang and said, "OK, let's stop talking nonsense and clap boss Li first!"

(to be continued. )