Chapter 727

After Li Mu's meeting in Muye science and technology, song Liang called excitedly and told Li Mu a message he had been waiting for all morning.

Song Zhilei has signed the contract!

The equity transfer agreement came into effect immediately, and WANYING also paid him 20 million yuan of acquisition fees. From this moment on, Juncheng real estate became a 100% holding enterprise of WANYING.

When the acquisition of an enterprise with real assets of more than 2 billion yuan or higher is completed, the actual cost of Li Mu's expenditure is only 20 million yuan. As for the remaining eight billion yuan, it will be paid to Wei Lan three years later. 20 million yuan is more than 2 billion yuan, and the leverage is enlarged by more than 100 times!

Li Mu asked song Liang, "did you tell old Chen?"

"No, I'll call you first to let you know the good news. I'll call him later."

Li Mu said in a hurry, "brother Liang, call Lao Chen later and ask him to urge Lao Zhou and Zhao Haichao to go through the process and try to issue funds in the shortest time!"

Song Liang said with a smile, "don't worry, Lao Zhou and Lao Zhao are more interested than you."

Song Liang is right. Lao Zhou and Lao Zhao really care more than him.

from the birth of the Internet bubble to the present, China's economic situation is not good, domestic demand is not a big problem. In order to stimulate investment and increase consumption, the state has cut interest rates 8 times in the 6 years from 1996 to 2002, hoping that people can take money out of the bank and pull the domestic economy.

In this kind of overall economic form to stimulate people to withdraw money from the bank environment, the bank is a big problem, the problem of collecting reserves, the income is greatly affected, so the old Zhou also has performance pressure.

Li Mu wants to push the fund's annual interest rate to 3 percentage points, which is higher than the current national debt interest rate, and the national debt still needs to be robbed. This kind of fund with higher interest rate and guaranteed principal and interest will be easier for banks that sell on behalf of others.

At the level of Lao Zhou, tens of millions of profits is not a big deal, but if he takes this wealth management product to his bank, he will give a very good welfare to the grass-roots employees of his bank. There has always been a hidden rule in the banking system: it is difficult to buy high-quality funds, because it gives priority to the bank employees, their relatives and friends to subscribe for this fund It's an extra small benefit for bank employees.

For Lao Zhou, what's more important is that he hopes to be tied up with such bullies as Chen Ze and Li Mu. In the future, the benefits will be endless.

Zhao Haichao also has the same appeal. Juncheng real estate + Muye Technology Co., Ltd. won the bottom of the fund by three billion yuan. This fund certainly has no risks and considerable profits. This is in line with his pursuit of profits. In addition, it is also a very important harvest for him to get to know Chen Ze and Li Mu. He would like to put this fund in the shortest time The fund is made, and then it's put out by Lao Zhou, who quickly melts Li Murong, a three billion Gang, into his hands, which is equivalent to winning a favor between them.

Chen Ze calls Lao Zhou and tells him that everything is ready. Lao Zhou immediately moves with Zhao Haichao.

Zhao Haichao has made a rough data. The total scale of this issue is 3 billion. In order to ensure sincerity, the Commission of the fund company is the same as the principal and interest of the investors. It will be settled three years later. The bank will pay 60 million commission charges for selling on behalf of the bank, which will be paid by WANYING real estate in advance.

Zhao Haichao is not worried about any risks or sluggish profits until three years later. After all, he doesn't have any cost to issue the fund. All he has to do is use his own fund issuance qualification, and his relationship with the insurance company system. His own fund company, the old company's Insurance Company underwrite, plus Li Mu's bottom selling, the fund is complete It's reasonable and legal, and there's no sidekick. In this case, the lag of profits is not a big problem.

At noon, Zhao Haichao could not take a rest and took a team to start the fund process quickly.

He first arrived at WANYING real estate, checked the agreement that WANYING real estate holds 100% of Juncheng real estate, and then song Liang, the legal person, signed the agreement to sell the real estate. Then he went to Muye technology without stopping. In Li Mu's office, he signed the agreement to sell the real estate jointly with Muye technology and Juncheng real estate, as well as all the details of the fund issuance contract with Li Mu.

After these written procedures, Zhao Haichao hurriedly left and said to Li Mu, "I'm going back to submit the materials for approval now. The responsibility for approval is not completely clear. In fact, it's just a process, which can be completed as soon as this afternoon."

Li Mu asked him, "when can I give it to the bank for sale?"

Zhao Haichao said: "all the necessary documents have been prepared. In theory, after our approval this afternoon, we can directly connect the information to the bank and let them start selling on a commission basis. We have a framework agreement with them, and we can directly put our fund management products on the market without going through the process.".

Li Mu was very happy and said, "the sooner the better, I will wait for your news!"

When Zhao Haichao returned to the company, he began to use the fastest speed to go through the procedures. This fund was named "Tonghai real estate development". Tonghai is the abbreviation of Zhao Haichao's fund company. Real estate represents the trend of the fund, and the suffix is irrelevant.

At 3:30 p.m., all processes including examination and approval and underwriting were completed. The reason why they are so fast is also due to the current imperfect management system of the fund industry.Haitong real estate development has a total issuance of 3 billion yuan, which is issued by Haitong fund, underwritten by Shoukang insurance, underwritten by Juncheng real estate and Muye technology, and sold by commercial banks. The fund is a regular fixed investment fund with guaranteed principal and interest. The subscription period is three years. After three years, the principal and interest will be paid at one time. If there is a large-scale run in the middle, the insurance company will be responsible for it Li muhui will pay to the insurance company according to the proportion of interest to the subscribers. If Juncheng real estate and Muye technology are unable to pay the fund three years later, the insurance company will pay to the subscribers on behalf of the insurance company, and then Juncheng real estate and Muye technology will perform the creditor's rights relationship with the insurance company.

In a word, there is no financial pressure for Li Mu to take the three billion yuan within three years. In the middle of the situation, there is an insurance company to carry it. Three years later, Li Mu only needs to pay 3.5 billion yuan according to the contract. This agreement has no pressure on Li Mu.

When "Haitong real estate development" went through the approval and underwriting process, Lao Zhou called a meeting of the middle and senior management of his bank in charge of the fund sale system. At the meeting, Lao Zhou Yin went to Juncheng real estate, WANYING real estate and Muye technology, just to tell you that there is an investment fund underwritten by Haitong Development Bank and Shoukang that needs to be issued by his own bank with a three-year term and annual profit The rate is 3%, which is covered by insurance company, with principal and interest guaranteed.

As soon as the news was announced, the directors in charge of the fund business of each branch on the conference table were fried.

The interest rate has been cut eight times in six years. The interest rate of the bank has been extremely low. The interest rate of the national debt is a little higher, but the amount is limited. Most of the funds take the opportunity to venture, but most of them do not guarantee the principal and interest rate, and can only promise to guarantee the principal at most. Such financial products have little attraction for users.

The fund with 3 billion annual interest rate of 3% and guaranteed principal and interest, whose quality directly exceeds all the fund products in their hands.

So everyone is asking the old Monday one after another: "three billion, how much can you keep for the internal staff?"

Old Zhou waved his hand: "Haitong now holds his thigh, so we dare to push this kind of fund. In order to give Haitong confidence, we naturally sell it as fast as possible, so I have only one purpose for you this time: the faster the better. If the internal staff and family members can subscribe within one day, let them subscribe. If they can't, let your customers through Contact the major customers of financial management business, recommend them directly, and sell these three billions with the fastest speed, so that Haitong side will be impressed with us! "

Old Zhou didn't tell the truth. He didn't want Haitong to look up to him. He wanted Li Mu and Chen Ze to look up to him.

Old Zhou's managers in charge of the fund are also very happy. This kind of good financial management fund is internal welfare for the banking system. Even if they and their relatives can't subscribe so much, it's still a kind of human feeling to introduce them to friends and classmates for subscription. Why not? There are often people outside asking the internal staff of the bank to help buy high-quality funds. Many young people in the bank even rely on this to settle the object and mother-in-law. This kind of welfare is not very moist.

There are more than one hundred branch business offices and more than four thousand employees in Yanjing. It should not be a big problem to digest three billion in one day. Even if it can't be digested in one day, those big customers can help digest it in one day. Three billion looks like a lot, but in the banking system, it's only a drop in the bucket.

So Lao Zhou ended the meeting as early as possible, and asked everyone to hurry back to their respective posts, make an internal announcement in the branches under their management, and then count the number of internal subscriptions to feed back to themselves before 10 o'clock this evening.

Due to the implementation of Lao Zhou and his management personnel, more than 4000 employees under Yanjing branch of Commercial Bank received the good news before they left work. After seeing the three key points of Haitong issuance, Taikang underwriting, principal and interest protection, the internal staff of the bank knew that the fund was an absolute high-quality fund, absolutely impossible to compensate, with high interest rate, even higher than the national debt So the employees who are interested in financial management are basically calculating how much they can subscribe, and then they call their lovers and family members to discuss how much they can subscribe.

Because it's Taobao's summer brand day at night, Li Mu is going to Taobao to fight with the team, so in the afternoon, he went back to the apartment near the company for a rest, got a sleep, and set an alarm clock at 11:00. Unexpectedly, he was woken up by Chen Ze's phone at 10:00.

Chen Ze's first words on the phone were: "three billion fund old Zhou has been pre sold."

Li Mu was still sleepy, and when he heard this, he turned around: "what? All pre sold? "

Chen Ze said with a sigh of excitement: "it's a rush. It's all subscribed by the internal staff and family of the commercial bank. There's not a cent left..."

(to be continued. )