Chapter 194： It will be all right

The funding industry is very deep. Later, even the Hang Seng Department went into the water to make money and developed a system specifically for the funding business. This system later became the basis for the geometric development of the funding industry. It was not until the system was banned It has stopped for a while, but capital allocation has never really disappeared. Other similar systems have penetrated into the entire industry at the same time, and even formed a stable ecosystem.

But none of this has anything to do with Chen Yang. He is not interested in capital allocation at all. He neither wants to find a capital allocation company to raise funds, nor does he think about doing this business by himself.

On the surface, the capital allocation company earns interest money steadily, and manages all transactions under its own account, so there is almost no risk.

Affairs that are free from supervision will eventually lose the protection of supervision.

When encountering extreme fluctuations, the allocation company can't close the position at all. A leverage of 1:5 means that it can only bear two down limits, and a leverage of 1:10 means that even one down limit will cause losses. In a big bear market At that time, all the mud and sand were sold, and there was nowhere to run.

Zhou Na and the others only saw that the people looking for funds went bankrupt, but they didn't see the people who made funds suffer!

Why did the distribution companies far outnumber the ordinary credit companies?

It is because of the first group of people who did capital allocation, almost none of them could go ashore safely, and everyone was scared out of their wits, especially in the market in 2015, when they lost billions in a few days, it was not at all. It is no exaggeration, all those people later either switched to private equity, mutual funds, auto finance, or left the financial industry completely, not daring to touch this side again.

So this business is really not as glamorous as people imagined.

What's more, there are so many serious industries waiting for Chen Yang to make money, there is really no need for him to engage in such unorthodox business,

However, after hearing what Zhou Na said, he was more interested in another aspect.

Taking advantage of the time when the three of them stopped drinking tea, Chen Yang coughed dryly, looked at Zhou Na and smiled, "Zhou Zhu, from what you said, it seems that many companies have closed down this time?"

"Well," Zhou Na pursed her lips, thought for a while and said, "I can't say too little, and I can't say too much. As far as Guangzhou is concerned, as far as I know, there are probably more than a hundred major banks in total. The entire credit market is not worth mentioning. However, in terms of quantity alone, more than a hundred companies have gone bankrupt due to credit defaults in just one week. There should be more."

After saying this, Zhou Na looked at Chen Yang curiously, "Mr. Chen, do you have any plans to acquire some potential companies?"

This is professional acumen, otherwise, why would Chen Yang ask this? !

Hearing this, Zhang Jin beside her immediately regained her spirits, suddenly turned to face Chen Yang, and said with a smile, "Mr. Chen, if you intend to acquire, then the timing is too right. Under normal circumstances, many companies The credit default is due to poor management and bankruptcy, but this time is different. It is all because the bosses mortgaged loans for stock speculation, and they went bankrupt after speculation and could not repay the debt. It has absolutely no impact on the normal operation of the company!

If you are interested in purchasing, our bank can select a batch of high-quality assets for you to choose, and you will be satisfied! "

Although they are in charge of the credit business, it doesn't affect other business for the bank. Besides, the non-performing assets are originally generated from the credit department. If they can solve part of it by themselves, the upper management will be very satisfied, and the credit for the bonus will be indispensable!

Chen Yang smiled calmly, and said calmly, "Oh, then tell me, what good assets do you have?"

"Uh," Zhang Jin's face froze, and then he laughed dryly, not knowing how to respond.

She knew that the bank had non-performing assets, but she didn't pay attention to these at ordinary times. She didn't know the specific situation. It was just a scene.

Fortunately, Zhou Na, who was beside her, immediately took up the conversation and said with a smile, "Actually, every bank has a lot of non-performing assets. For the specific list, of course, you have to read the detailed information to be clearer. However, the company that defaulted this time , I know a little bit about the situation, "

Speaking of this, Zhou Na squinted her eyes and thought about it, and then continued, "It seems that there are some clothing companies, and shoe companies, and then there are cosmetics, auto parts, daily chemicals, um, probably all of them are based on manufacturing. Some companies of the Lord,

These companies have a common feature, that is, they have certain fixed assets that can be used as collateral, but they are not particularly valuable when the amount is not large, so they fit the characteristics of those small bosses. "

Are all these industries?

Chen Yang picked up the teacup and took a sip, put it down and leaned back on the sofa, looked at Zhou Na and asked, "Is there any electronics company?"

Electronics?

Zhou Na was taken aback for a moment, and after thinking for a while, she shook her head slightly and said, "It seems that I haven't found this kind of company,"

Then he asked, "Mr. Chen, do you want to develop in the electronics industry?"

"Well, I guess I have this idea," Chen Yang said with a smile, crossing his legs. "If there is something suitable, you can take a look. If there is no one, forget it. I just ask casually."

To start an electronics company from scratch, there are many things to do. Plants, equipment, workers, supply chain, and management team are all necessary. It is time-consuming and laborious to do it.

But if you can directly buy a ready-made company, you can save a lot of trouble.

After buying it, it can be used directly by changing the management team and changing the production line, which is most suitable for lazy people like him.

At this moment, Zhou Na looked back at Zhang Jin, and found that she also had a strange look in her eyes, and immediately understood that her thoughts were the same as hers,

This business must be won!

Then he turned his head and smiled at Chen Yang, "How about this, Mr. Chen, when I go back to the bank to check the information, see if there is any electronic company to deal with, if there is a suitable one, I will contact you."

Just as Chen Yang was about to nod his head, he saw Zhou Na and asked again, "Uh, Mr. Chen, there are many kinds of electronic products. It may be too general to list them separately. Do you have any more specific requirements?"

"Well," Chen Yang thought for a while, then shook his head and said, "There is no specific requirement for this, as long as it is an electronics company that makes consumer products, it's fine."

Anyway, he is going to be an assembly company, so the requirements are really not that high.

"All right?" Zhang Jin stretched her neck in surprise, UU Reading looked at him and asked, "Those who make TVs and radios, those who make mobile phones and DVD players, those who make computers and electronic watches Yes, these are all electronic companies, but there are big differences inside, are you sure you can do both?"

Chen Yang nodded with certainty, "Yes, everything is fine!"

No matter what kind of product you make, it is nothing more than assembling the parts according to the specifications. To Chen Yang, it really makes no difference.

After taking a deep look at Chen Yang, Zhang Jin grinned, "Understood, Mr. Chen, don't worry, we will definitely find relevant companies for you to choose from!"

"It's okay," Chen Yang said with a chuckle, "That's just what I said casually, it doesn't matter if it succeeds or not."

It is indeed all right. If there is a suitable one, he does not mind buying it now. If not, it will not have much impact. At worst, wait a few months. At that time, there will definitely be many electronic companies that have gone bankrupt.

Moreover, the government will not officially release mobile phone network access permits until after October this year, and it is not too late to enter the game at that time.

It should be said that as long as 4G is before large-scale commercial use, it is not too late to enter at any time!