Reborn, back to a small county town to become a wealthy family

Chapter 834: After searching for a long time, I found it without any effort

Luo Yang is really not stingy in this regard.

He made a fortune, especially in the crude oil futures market, and his savings quickly became enormous.

Let alone a house worth two or three million, even a villa worth tens of millions wouldn't be a big deal for him.

It's worth noting that when he was in Guangzhou, he used 1500 million yuan of his own money to speculate on crude oil futures. Later, he raised another 854 million yuan through the channels of Wanwan's father, Dong Xuan, and Zhao Pengcheng.

The two sums of money that entered the market rolled around several times in the futures market, and by the time they went all in one night in mid-July, the principal had accumulated to 1.71 million US dollars.

The most recent transaction involved buying 40000 lots in the 78-79 USD/barrel price range. With crude oil prices about to break through the 100 USD/barrel mark, even without considering subsequent profits, the current unrealized profit has reached 20 USD/barrel.

40000 hands * 1000 barrels/hand * 20 yuan/barrel = 8 million yuan/barrel.

Considering that his private account held 7% of the shares, there was still 50 million US dollars remaining. Adding this to the previous 5000 million US dollars, Luo Yang's private pocket suddenly received 8 million US dollars, which is equivalent to more than 8.5 billion RMB.

Not to mention his relationship with Fu Bin and Wei Chaoping. If you really want to buy a house in their development, they might not give it away for free, but they will definitely give you the cost price.

What Luo Yang considered a trivial matter was a huge deal to Chu Jing.

"boss"

Overwhelmed with emotion, Chu Jing forgot that they were still in the underground parking garage and turned to snuggle into Luo Yang's arms, wanting a tight hug.

"Eh?"

Luo Yang reacted quickly, grabbing her shoulder and saying, "I have things to do this afternoon, don't mess around!"

Pressed down like that, Chu Jing snapped out of her daze, and a blush instantly spread across her cheeks.

In her haste, she forgot she was supposed to sit in the front passenger seat and turned around to climb into the back seat.

When Luo Yang got in, Chu Jing was already curled up in a ball by the other side of the car door.
She avoided Luo Yang's gaze until they went to the Ningbo Bank for negotiations that afternoon.

Luo Yang didn't have time to pay attention to these trivial matters. After handing over the negotiations to the professional team, he chatted with Miao Huayu, the vice president from the head office of Yongcheng Bank, in the meeting room.

Dong Xuan also did not participate in the negotiations, firstly to avoid suspicion, and secondly because she was familiar with both sides and could act as a lubricant in their conversation.

"I've been meaning to invite Mr. Luo to Ningbo for a while, but considering your busy schedule, I decided to take this opportunity to come to Shanghai to meet you."

Miao Huayu was in his early fifties, standing at less than 1.75 meters tall. He didn't have the greasy look often associated with middle-aged men; his slender figure made him appear very capable.

When most people meet Luo Yang and learn about his wealth and status, they will definitely praise him as a promising young man.

He, however, did not follow the conventional approach and went straight to the topic from a business perspective.

"To be honest, since Mr. Luo's company became a client of Yongcheng Bank, none of the bank's senior executives expected that in just over two years, the cooperation between the two parties would be so close as it is today."

Miao Huayu said with great emotion, "You could say that if this cooperation goes through, President Luo will become one of our bank's top super clients."

This is true.

If the two parties reach a cooperation agreement, the amount of debt restructuring and subsequent re-lending alone will reach more than 3 billion yuan, not even including interest.

Moreover, Ling Shi Gong Group will definitely use its headquarters building as collateral, which involves business worth billions of yuan. In addition, Yongcheng Bank has agreed to hold shares in the headquarters building for 3 to 5 years, which will further deepen the cooperative relationship between the two parties.

With a total investment of seven or eight billion yuan involved, it's no exaggeration to say that Luo Yang is one of the top super clients of Ningbo Bank.

"This doesn't even include the private banking business that Mr. Luo has established at our Shanghai branch."

Dong Xuan added with a smile, "In addition to cash deposits of over 100 million yuan, there are also entrusted supervision agreements for shares of Toutiao and miHoYo. Miao Xing, I have a feeling that the value of these two companies' shares will exceed 10 billion yuan in the next few years."

"This is all thanks to you."

Miao Huayu did not comment on Dong Xuan's judgment, but simply smiled and said, "Our bank's ability to attract a VIP client like President Luo is inseparable from the meticulous maintenance that Director Dong did in the early stages."

Carefully maintained?

That's true, they've already treated us like family.

"Indeed, Dong Xing provided a lot of help in the early stages of my business, which is one of the main reasons why I trust Dong Xing."

Luo Yang spoke in coded language that only he and Dong Xuan could understand: "Now we're not just in a business relationship anymore, we're quite good friends as well."

"Hahaha"

Miao Huayu laughed heartily and agreed, "That's how it is. I also have quite a few old friends in Ningbo. At first, we met through business dealings, but over time, we gradually became friends."

"Wait a minute?"

Luo Yang suddenly slapped his forehead and looked at Dong Xuan, saying, "Why didn't you participate in the negotiations? What, is it because you're too familiar with our company, so you're planning to go easy on them and let others slowly wear down my team?"

This statement has a hint of ambiguity.

As for who represents Yin and Yang, opinions vary.

Miao Huayu, being a cunning old fox, pretended not to understand and even teased Dong Xuan with a smile: "That's right, Dong Xing can't deliberately go easy on you just because he has a good personal relationship with President Luo!"

Through the leader's reach, Dong Xuan subtly rolled her eyes at Luo Yang.

"Although I was the one who made the initial contact, Assistant Chu handled the follow-up coordination with SPD Bank and ICBC."

Dong Xuan maintained her smile and replied jokingly, "Whether it's dealing with the leaders of our sister banks or the head of Zhaohe Real Estate's Shanghai branch, my influence isn't quite there, so I haven't participated in many of the negotiations. If I were to participate in the negotiations, I might be able to help. Is President Luo deliberately trying to provoke us so he can take advantage of our bank?"

This woman never suffers a loss.

In front of Miao Huayu, he subtly implied that the bank's senior management was abandoning them after using them.

Once the wife is brought into the family, the matchmaker is forgotten as soon as she turns around.

Miao Huayu was well aware of the underlying reasons for many things. Although he was one of the vice presidents of the head office, he was just a professional manager. His words carried no weight compared to those of shareholders, and even less compared to those who were both shareholders and senior executives.

So even though he knew Dong Xuan harbored resentment, he could only pretend he hadn't heard it.

"Mr. Luo, the Shanghai branch has sent the preliminary meeting minutes of the first round of negotiations to the head office. After that, the head office held two special meetings on this business, and both sides expressed their approval of the preliminary opinions reached on the general direction."

Miao Huayu skillfully changed the subject, saying, "According to procedure, the second round of negotiations should consolidate the consensus reached in the previous round, eliminate any disagreements in other cooperation agreements, and conduct in-depth consultations on the details."

His words are easy to understand.

For those who have reached a consensus, please confirm it again.

If there are disagreements, we will continue to discuss them today, and we will try to eliminate any differences of opinion, whether it is the bank or Ling Shi Gong that makes concessions.

With the general direction finalized, both parties can then discuss the details of the contract. "I'm only responsible for finalizing the general direction; the details are handled by a professional team."

Luo Yang smiled and said, "If there are still any disagreements, I'll ask the professional team for their opinions when I get back. After all, I haven't systematically studied finance."

"It should, it should."

Miao Huayu immediately agreed, saying, "Don't even mention you; even I often have to consult my subordinates before I can make a judgment on some financial matters."

"Yes, the specializations in professions are too broad these days."

Luo Yang remarked with emotion: "Take my major, architecture, for example. It used to be divided into two parts: industrial and civil buildings, and bridges and roads. But now universities have further subdivided it into architecture, urban and rural planning, landscape architecture, civil engineering, construction engineering (management), bridges and roads, and project budgeting. It's simply unbelievable that you can make a project manager proficient in all of them."

"Yes, the financial profession is no less specialized than the architecture profession."

Miao Huayu echoed, "Some of the new employees being recruited by banks these days have majors I've never even heard of. Ultimately, many industries in our country used to follow the model from the north, and later, after aligning with the West, we adopted their model as well, and after some tweaking, it turned into what it is today."

The digression resonated with both of them.

Having a pleasant conversation, Luo Yang subconsciously took out a cigarette and offered one to Miao Huayu.

"Hahaha"

As Miao Huayu lit a cigarette, he smiled and said, "I thought President Luo didn't smoke, so I kept putting it off. I didn't expect we had this common hobby."

After saying this, he turned to Dong Xuan, who was sitting on the sofa next to him.

It seems he knew Dong Xuan smoked.

"Dong Xing only smokes women's cigarettes, and they're menthol flavored."

In this situation, Dong Xuan might not be willing to light a cigarette, and Luo Yang's words were meant to help her out of the awkward situation.

"I'll go get you some water."

Dong Xuan stood up. This was a difficult question to answer, so she wisely left the scene of trouble.

"I heard that Mr. Luo also owns a fund management company?"

Miao Huayu abruptly shifted the topic.

Luo Yang was slightly taken aback.

Sure enough, he wasn't there for the second round of negotiations between the two sides.

The matter was already almost finalized, and as long as there were no major deviations, the cooperation between Ling Shi Gong Group and Yongcheng Bank would proceed without problems.

Not to mention the polite things he said before, like how he had wanted to invite Luo Yang to Ningbo for a long time, but was afraid Luo Yang would be too busy, so he had to come to Shanghai in person to treat him to drinks and to build a relationship.
Because Dong Xuan had already revealed his information.

Miao Huayu is not in charge of the lending business!

"Yes, there is a fund management company."

Luo Yang casually revealed information that the other party already knew: "We recently launched a private equity fund product, and Assistant Chu and Dong Xing helped invite some clients to our fundraising reception."

"I heard that this fund product offers an annualized return of up to 50%, and the product cycle is only six months."

Miao Huayu then added, "It seems that President Luo has quite a few projects with extremely high returns on investment."

Whether it's shared bikes or Lemon CC, the information about their external financing is public. They even disclosed the two fund products they launched to help Sante Real Estate and Sunshine Real Estate raise 10 billion yuan. They didn't deliberately hide any of this, so it's normal for him to make such a judgment.

Not to mention that Luo Yang has never stopped starting new companies since he first started his business.

Whether it's Luo Shengtang's milk tea business, Jiang Xiaobai liquor, Kunpeng Technology's drone business, or even the movie invested in by the film company.

These investments have yielded very high returns; some yielded direct cash gains, while others transformed into enormous potential.
"I can only say it's okay."

Luo Yang smiled and said modestly, "Actually, I don't pay much attention to finance. The group's main focus is on the real economy, especially high-tech industries, which is the company's key investment area in the future."

"The more advanced the industry, the more capital investment is required."

Miao Huayu always manages to find a suitable angle: "The last time Mr. Luo's fund company launched a product, most of the funds raised came from clients in eastern Zhejiang. This shows that private capital in eastern Zhejiang is still very abundant, and people are willing to invest in promising and high-return projects, even if the risks are relatively high."

How to answer this?
It was practically a tacit message to Luo Yang that Ningbo Bank and the Zhejiang East Circle behind it had plenty of funds, and if he wanted to raise funds, he could definitely cooperate with Ningbo Bank.

Seeing that Luo Yang didn't respond, Miao Huayu continued to paint a beautiful picture.

"Mr. Luo is also a rising star in Shanghai's business circle. He should know about Mr. Guo of Fosun Pharmaceutical raising funds in eastern Zhejiang last year, right?"

He knew this would be used as an example.

"At that time, Mr. Guo had prepared a large acquisition plan, hoping to use this opportunity to establish Fosun Group's position in the pharmaceutical industry."

Miao Huayu revealed information that was no longer a secret: "He had prepared a large sum of money himself, but there was still a shortfall of over 3 billion yuan. Since President Guo was from eastern Zhejiang, his first thought was to raise funds from eastern Zhejiang."

He recounted the story in detail, weaving in the role played by Ningbo Bank in this matter.

"Therefore, if Mr. Luo has any good investment projects and wants to raise funds through Gray Rhino Capital, he can certainly consider cooperating with our Yongcheng Bank."

This was Miao Huayu's main purpose in coming to Shanghai.

But Luo Yang didn't mind, and
You are very welcome.

Just that morning, he had told Zhao Pengcheng not to underestimate Ningbo Bank. Although they didn't have much influence in Shanghai, they had very strong resources in eastern Zhejiang.

Coincidentally, because of the Hengrui Medicine incident, the group's investment department wanted to raise more than 3 billion yuan through the Gray Rhino program.

Therefore, for Luo Yang, Miao Huayu's arrival was like finding a needle in a haystack, and then getting it without any effort at all.

But he had to maintain his composure.

This is something that puts you at a disadvantage: whoever is eager to get involved becomes the one who is passive.

"Your news from Yongcheng Bank is really something."

Luo Yang's face showed a mixture of helplessness and slight anger: "You really are very resourceful!"

If Song Wan were here right now, she would definitely be thinking to herself.

The Oscars owe Mr. Luo an Oscar!

(End of this chapter)