You are worth tens of billions before you come to the system?

October 5, Wednesday.

The China Banking Regulatory Commission agreed that Lin Zitai would use Prince Group as the credit entity to issue ABS with a capital scale of 2000 billion yuan.

The minimum investment is RMB 4, with an annual interest rate of [-]% and a fixed period of five years.

Investors are required to have total personal or family assets of not less than 100 million, and corporate net assets of not less than 500 million.

Under normal circumstances, the issuance of corporate ABS will not be widely publicized and reported. This form of financing will only be concentrated among fixed investment groups, and the outside world will not know about it.

Because according to the regulations of the China Banking Regulatory Commission, promotion agencies are not allowed to promote benefit certificates through radio, television, newspapers and other public media.

Just like cigarette lottery tickets, they can be bought and sold normally, but advertising and commercial promotion are not allowed.

But Lin Zitai is already the focus of the media, not to mention that this time it is a super big deal, with a total of 2000 billion, so there is no need to publicize it, let alone actively promote it.

As soon as the news leaked out, it caused a sensation in an instant.

As non-promotional organizations, netizens discuss and post discussions, which is not within the scope of the restrictions.

The annual interest rate is 4%, which is actually not much. It is less than the original Yu'e Bao. However, Yu'e Bao was restricted very early and is not suitable for large investments.

There is no capital limit for ABS subscription, which is a brand new channel for many people who lack investment channels.

So as soon as the news came out, ICBC's mobile banking crashed, too much traffic poured in at once, and the server bandwidth was insufficient.

Because ICBC is the guarantor, if the product is launched online, it can usually be found in the financial management column of mobile banking.

"No road show?"

The chairman of the China Banking Regulatory Commission widened his eyes when he learned that Lin Zitai was not planning a road show or holding a product promotion meeting.

2000 billion is not 200 billion. If each person only subscribes for 200, 20 million people need to participate. If each person subscribes for one million, [-] people also need to participate.

Lin Zitai is a little overconfident.

The scale of 2000 billion is really too big.

Lin Zitai said with a smile: "Let's see how the market reacts. If we can't get financing, just forget it."

To develop the domestic pharmaceutical industry, we cannot rely on him alone, but also need help from the government.

Anyway, he has already laid out the plan, and now it depends on the official attitude. If this financing fails, at worst, he will stay dormant for a few more years without losing anything.

Nowadays, European and American pharmaceutical companies are heart-to-heart. Lin Zitai doesn’t want anyone in China to play tricks with him. Even if he can’t contribute, he can help with some money, and don’t always give verbal support.

It’s time to get a little practical.

"The product will be launched on June 6."

Lin Zitai confirmed the issuance date with the chairman of the China Banking Regulatory Commission and left the capital that afternoon and returned to Shanghai.

Wang Sichao waited for him in the company for a whole day and said as soon as they met: "Zitai, I want to invest one billion."

Ever since Mo Jin brought him more than ten times the income, he made up his mind to follow his adoptive father's lead from now on.

This issuance of ABS, although the annual interest rate is only 4%, is not a big deal to make money, but a big deal to promote the relationship between the two.

Once the ABS is successfully issued, Lin Zitai will have a torrent of 2000 billion in cash, and a little bit of it will be enough for him to eat as much as he wants.

Lin Zitai said with a smile: "The annual interest rate is only 4%. With so much money, there is nothing wrong with investing."

With an annual interest rate of 4%, this product is destined to only cater to two groups, the middle class with no investment channels, and institutions with huge funds.

For example, in domestic pension and social security, as the population gradually ages and the elderly live longer and longer, pensions are under great pressure.

But pension funds can easily reach trillions of dollars. In the past, they often invested in real estate. However, as the property market has fallen into a downturn, there are few suitable projects that can accommodate pension funds.

“These days, everything you invest in has risks, so it’s better to be cautious.”

Wang Sichao walked up to Lin Zitai, lowered his head, and looked pitiful: "Father~"

"Stop being so disgusting."

Lin Zitai shuddered and turned to look at Deng Jiahao: "Give him Manager Sun's contact information."

Wang Sichao also asked his assistant to exchange contact information and followed Lin Zitai to the gym: "What good projects have you been working on recently?"

"Down-to-earth, step-by-step development."

Lin Zitai put on his swimming trunks and planned to start today's fitness plan.

When Wang Sichao saw his eight-pack abs, his eyes were full of envy: "This time we are raising 2000 billion yuan, do you feel guilty for saying this?"

Lin Zitai saw through his little thoughts and said bluntly: "Stop talking about you, even if your father comes, he can't interfere."

It’s not that he looks down on real estate companies, it’s that real estate companies can only operate in China and are of no use abroad.

Unlike Lao Ma, you can still invest your first life after going abroad. As long as you find an opportunity, your legend may continue.

On the other hand, once a real estate company goes abroad, that is, a rich man with some money must always be wary of being harvested by foreigners.

Wang Sichao looked unhappy, but he was unable to refute: "I have some spare money recently. Do you have any good projects to recommend?"

Lin Zitai swam 50 meters round trip in one breath: "Then let's use new energy. Didn't I hear that Rebus is also going to build a car?"

“How can I compare with Xiaomi with my little wealth?”

Wang Sichao smiled bitterly, the new energy market structure has been set, and now all the capital giants are entering the market.

Just like the original live broadcast platform, the big guys would sit on the mountain and watch the fight between tigers and tigers, waiting until the market gets bigger before entering the market to harvest.

He himself has a few pounds and a few taels, and he has a clear mind. How can he have the strength to go head-to-head with those big guys.

If it had been a few years earlier, there might have been a chance, just like Wei Xiaoli, but it's too late to enter the market now.

"We're not asking you to build cars. Wanda still has so much land, so we can just provide some supporting charging services."

Wang Sichao was confused: "Is there any boss?"

"Think about power banks and food delivery platforms. Residential electricity cannot increase, but commercial electricity cannot necessarily increase."

Today's new energy vehicles are mainly in the name of saving energy and saving money, but when the market grows in the future, charging prices will inevitably be adjusted.

Two barrels of oil are not enough to make a living. If new energy vehicles become the mainstream of the market, how will they make money in the future?

Make the market first, then harvest.

This set is a standard template for commercialization.

Wang Sichao thought for a long time: "If I start a business again, would you like to invest in it?"

"you?"

Lin Zitai's face showed disgust: "Let's forget it and just be a VC."

Xiao Wang has some brains, but not much, otherwise the original Panda would not have gone bankrupt.

Although he did not lose money, if Lin Zitai had not withdrawn his capital, he would not have woken up in time.

"Wanda's commercial real estate strategy is very good, why don't you go back and help your dad."

Lao Wang also had destiny. On the eve of the cold winter in the property market, there was a sudden thunderstorm. In order to protect himself, he sold a large number of cultural and tourism projects, shrunk the group's business, and focused on commercial real estate.

Blessings and misfortunes depend on each other. Based on the current situation, among the well-known domestic real estate companies, it is estimated that only Wanda can end well.

"Do you think it's comfortable to be his son?"

Wang Sichao was unwilling to accept it. He always felt that Panda's failure was a crime other than war. Who made Goose Factory so strong?

Without the intervention of external forces, he asked himself that he would not have done worse than Chen Shaojie, and he always felt resentful about this.Suddenly Deng Jiahao came to the swimming pool and whispered in Lin Zitai's ear. Lin Zitai put on a bathrobe and went to the changing room: "Then try again and see how you perform. If you get results, I don't mind investing. "

To put it bluntly, it would be better to let Wang Sichao taste the whip of society. He has never been beaten severely.

Only after being beaten can you understand how important it is to have a good father.

For example, Lin Zitai had no choice but to be forced to become the father of a second-generation rich man.

"Then it's settled. I'll go and find out if the charging pile is open."

Wang Sichao was overjoyed, said hello and left in a hurry.

Lin Zitai also changed his clothes and came to the office and called Cheng Zhiyu.

Cheng Zhiyu replied: "The synthesis technology of slow-grain drugs has been completely conquered."

Just a few hours ago, he got the latest version of the generic drug, which was even more effective than the original version.

Lin Zitai frowned and asked, "Has our new second-generation slow-grain drug been developed?"

Cheng Zhiyu smiled bitterly: "There is not much progress yet."

The pharmaceutical industry in Europe and the United States has developed for hundreds of years, and its talent and technology far exceed theirs. Not to mention Asan's unique experimental environment, which allows for continuous trial and error.

On the other hand, they first use mice, then experimental monkeys, and finally consider human experiments.

The time cost is not on the same level.

"Zitai, I'm sorry for holding you back."

Cheng Zhiyu felt guilty. In the field of medicine, the gap between domestic and foreign countries was still too big.Although they have successfully developed new slow-grain drugs, they have still been surpassed by European and American pharmaceutical companies.

In fact, it was also his fault. Too few ineffective ingredients were added initially. If a few more ingredients could be added, it would also make it more difficult for European and American pharmaceutical companies to break through.

"Academician Cheng, you don't have to worry about it. Today's situation has been expected since the day it was released."

Lin Zitai laughed. Cheng Zhiyu was too responsible. He was not a talented player to begin with, and it was expected that he would not be able to catch up with the development progress of Europe and the United States.

Lin Zitai said with a smile: "Don't be too stressed, we have already thought of countermeasures in advance."

After ending the call with Cheng Zhiyu, Lin Zitai called Liu Xiaojun and planned to lower the price of the medicine next month.

As long as the issuance of ABS goes smoothly, the price of slow-grain drugs will be reduced to 500 yuan per bottle to face the impact of generic drugs.

Liu Xiaojun opened his eyes wide and couldn't believe it: "Mr. Lin, there's no need to lower the price so much, right?"

The price was 500 yuan, and suddenly it became 95 yuan. The price plummeted by [-]%. It was simply outrageous than riding a roller coaster.

He once thought that he was either hallucinating or Lin Zitai was talking nonsense without waking up.

Even if generic drugs are as effective as genuine drugs, they can still harvest those rich people who care about their lives and earn money for medical insurance.

There is no need to kill a thousand enemies and suffer eighteen thousand losses.

No matter how you look at it, this decision is based on emotion.

If genuine drugs are sold for 500 yuan per bottle, it will completely block the sales of generic drugs. After all, the ex-factory price of generic drugs is 80 US dollars, which translates into more than 500 yuan.

Consumers make choices with their feet.

If there is no profit, smugglers will give up smuggling.

Lin Zitai looked calm: "Let's do it."

Making money is a small matter, but being able to take over Novartis is a big deal.

Once the news is announced, the stock price of Novartis, which has European and American agents, is bound to plummet.

At that time, he can take advantage of the opportunity to acquire a large number of stocks from the secondary market to complete his purpose of taking over.

Including the next nine-price and K drugs, he also sold them at the lowest price to attack Merck. Anyway, Lin Zitai did not have the research and development costs for the drug, so it just depends on who can play with whom.

It’s European and American pharmaceutical companies that are unkind, so don’t blame them for being unjust.

Liu Xiaojun looked bitter, but he didn't try to persuade him any more.

No one can change Lin Zitai's decision. He now needs to expand the legal department to face the coming storm.

Because this kind of behavior is, in a sense, killing the goose that lays the goose to lay eggs. It would not be an exaggeration to say that they are the gravediggers of the pharmaceutical industry.

At a small scale, the price reduction of slow-grain drugs will only cost Lin Zitai his personal income, but at a larger scale, it will sound the death knell of the entire pharmaceutical industry.

New drugs have a 20-year patent protection period and are expensive, mainly due to huge research and development costs and time.

It is because of the huge profits that pharmaceutical companies will not hesitate to invest money and time in developing some related drugs.

However, Lin Zitai lowered the price to 500 yuan per bottle. In the future, no one will invest in the development of slow-grain drugs.

Because it is unnecessary. Chronic myeloiditis is a long-term disease. If you only spend 500 yuan per month in the future, you can inhibit the growth rate of white blood cells.

Even if there is a drug that completely cures chronic myeloid arthritis, it will only serve a small number of people. Compared with the time and money invested, the benefits are completely out of proportion.

Capital pursues profit. If there is no profit, they will give up drug research and development.

For the health of all mankind, it’s just talk. If you can’t make money, only a ghost will develop drugs.

……

At noon the next day, Lin Zitai received a call from Zhao Xiaoyou.

His mother has a flight back from Tokyo this afternoon.

At the same time, Zhao Xiaoyou also talked about the agency fee of hair growth hormone: "20 billion per year, a bit expensive, right?"

She is worried that hair growth hormone will be copied by others, just like slow-grain drugs.

"Don't worry, it won't happen this time."

Lin Zitai is very confident because the hair growth hormone was developed by him personally and contains many ineffective ingredients.

He can guarantee that in the next five years, no one will crack the formula of hair growth hormone. Moreover, European and American pharmaceutical companies are about to face a disaster, and they have no intention to analyze hair growth hormone.

Zhao Xiaoyou heard the implication and frowned: "What are you going to do?"

Lin Zitai smiled without saying anything and changed the subject: "How is my son?"

"I just ate and am sleeping."

Zhao Xiaoyou sent a video to Lin Zitai, and Zhao Tianlin was lying on the bed sleeping.After raising it for a period of time, the skin becomes white and tender, as elastic as jelly.

Zhao Xiaoyou asked again: "I heard that you issued ABS?"

"Correct."

"When will the road show be?"

"There will be no road show. The product will be launched directly on the [-]th of next month."

Zhao Xiaoyou was speechless: "Aren't you afraid of failure?"

"I don't even know what it means to be afraid."

"It's better to take it easy."

Zhao Xiaoyou sighed. With a scale of 2000 billion, she didn't even know what Lin Zitai wanted to do.

However, it can be expected that once the financing is successful, the industry will usher in a big earthquake. (End of chapter)