Rebirth of financial migrant workers

Chapter 355: Ginger is still spicier when old

Members present here all know that Luoma Company is the subsidiary company of Mule Bank.

Different from conventional VC companies, Luoma Company is backed by a big tree to enjoy the shade. The fund-raising channels are relatively single and stable. If we trace the source, it basically comes from the owner's equity of Mule Bank, that is, shareholder equity.

So when Wang Chunliang pointed out this information, everyone was not surprised, and everyone quietly waited for the other party to follow up.

"Leaders, I believe you all know that this is a critical period for our Mule Bank to list on the Hong Kong stock market..."

Wang Chunliang pointed to the latest details of the listing progress displayed on the PPT. After noticing that Vice President Zhang frowned slightly, he continued, "According to regulatory regulations, banks listed in Hong Kong need to report their audited financial conditions to the regulatory authorities in advance. Well, Everyone is a banker and should know that this kind of information will be semi-public in a short time.”

"Tell the important point!"

"At that time, some thoughtful leaders and friends in the banking system will find out from the financial reports disclosed by Mule Bank that such a part of the owner's equity has been transferred several times and finally flowed into Luoma Company for investment in new projects of Imperial Technology."

The committee members nodded after hearing this, and Lingling interrupted and asked:
"This is true. Although banks will still hide their faces when operating, it is not surprising for peers to uncover such a capital flow."

"In this case, if the project invested with this money ultimately generates considerable returns, then everything will be fine. But if the project loses money and the investment fails, the rumors will be a big headache. And it just happens to be a mule. During the critical period for a bank to go public, it is no surprise that such negative news will be unearthed and reported by the media or interested people in the industry. "

People in the industry will not think about the issue of loan risks from the standpoint of the review leaders. They will only think that it was Mule Bank's problem with its current loan support that led to major mistakes. "

“I have also introduced before that Luoma Company provided Difang Technology with a financing package totaling 2 million yuan.

Unknowingly, Wang Chunliang had arrived behind the committee members, as if he was having a heart-to-heart talk with them.

If our Mule Bank cannot provide 6 million yuan in floating loans, leaders should be able to predict that this plan will most likely go bankrupt.

All of you here are veterans and are used to the banking industry's tendency to only accept results and not excuses.

The committee members also forgot that the other party was a member of the branch meeting, and their ideas began to follow the other party's divergence.

Wang Chunliang sighed and continued:

After listening to Wang Chunliang's kind advice, the committee members all felt like they had been kidnapped and put on a pirate ship.

Wang Chunliang didn't leave much time for the committee members to think. He winked at Zhao Gang, who quickly switched the PPT to the oath that Ning Minghao and Wang Quan jointly released more than a month ago that Mule Bank is fully preparing for the listing. declaration.

“Listing is Mule Bank’s century-old plan and top priority, but the current process is not optimistic.”

As mentioned just now, the 100 million yuan of self-owned funds flowing out from Mule Bank is likely to be wasted, and this news will spread throughout the banking circle.

Nonsense, not only is it not optimistic, it is simply a complete mess.

Under the current circumstances, Mule Bank’s chances of successfully listing in Hong Kong are already very slim.

Lingling thought of this and suddenly became excited. She leaned into Zhuge Yue's ear and said in a very low voice: "It is said that President Wang Quan is very worried about the preparations for the listing. If the listing fails in the end, then he should be blamed for this." Come back. At this time, peers are discussing the financing failure of Imperial Technology. Will President Wang Quan use this to blame? The main reason for the financing failure is that Mule Bank failed to pass the financing regardless of the overall situation. The approval of the loan, after such accountability, in the final analysis it becomes the fault of us committee members who voted veto for the loan."

Although Lingling's voice was very low, Vice President Zhang, who was next to Zhuge Yue, still listened to these words word by word.

Based on his understanding of royal power, the other party would most likely pass the blame like this.

At that time, all the focus of the listing failure will be shifted to the members of the loan review committee headed by himself.

From now on, his name may even be engraved on the pillar of shame when Mule Bank failed to go public.
Thinking of this, Vice President Zhang took a breath of air and turned to look at the culprit not far away.

Seeing Wang Chunliang shaking his head and worrying, Vice President Zhang felt a little itchy.

At this moment, the balance in Zhuge Yue's heart has already tilted toward the approval of the loan. Although he initially intended to cause trouble for the Sanlimiao branch, he can't harm others without benefiting himself, right?

However, the current loan application elements of Imperial Technology still conflict with the document just issued by the Banking Regulatory Center.

If the loan approval was passed just like this, there would be certain hidden dangers, so she couldn't help but ask:
"Can the Sanlimiao Branch communicate with the customer about the guarantee method, such as switching to a real estate mortgage or a guarantee from a professional guarantee company?"

Zhao Gang received Wang Chunliang's instruction and decisively refused:
"Sorry, leader, Imperial Technology has no side business, so there aren't many things that can be used as collateral."

Zhuge Yue rubbed his eyebrows and pushed the document out again:

"Regulations have just come down, requiring our bank's credit department to limit the approval of loans guaranteed by the parent company."

Wang Chunliang quickly glanced at the contents of the document and said with a smile:

"This is easy to handle. The document talks about a loan guaranteed by the parent company. Then when we approve it, we change the conditions on the surface to be guaranteed by the brother company in Sichuan and Chongqing, so that we can cope with the inspection. In terms of actual risk control, we will still sign a joint liability guarantee contract with the parent company.”

Zhuge Yue and the other three members from the Credit Department were speechless. This kind of exploiting language loopholes in regulatory documents was too stupid.

Vice President Zhang picked up the tea cup and took a big sip, then spit out the tea leaves in his mouth, as if scorning Wang Chunliang's evil idea.

“That’s it for this loan, vote.”

Immediately afterwards, he pointed at Lingling and continued to explain, "Don't vote. Because you have been communicating with the supervisor in the office, you did not rush to the meeting on the loan of Tianfang Technology."

Zhuge Yue's eyes lit up when he heard this, and he agreed:
"Yes, yes, that's it. We didn't know about this requirement of supervision during the review, so those who don't know are not guilty. By the way, Xiao Hu, please change the time on the meeting minutes and move it forward by one hour!"

Wang Chunliang wished he could give both Lao Zhang and Lao Yueyue a thumbs up for their wit and flexibility.

Older gingers are more spicy!
When he noticed that Lao Zhang was looking at him with an unkind expression, Wang Chunliang quickly put on a naive and ignorant expression, and lowered his head shyly.

(End of this chapter)