1988: Back to the human world for a few years

Chapter 549: The Path of the Weasel (2)

If you ask people working in the financial industry which province in China is the most special in their eyes, you may get a variety of answers, but "Fujian Province" are definitely the two words that appear most frequently.

It's nothing. Although Fujian, a province located on the southeast coast, doesn't have a strong presence for ordinary people, it seems that apart from the fragmented impressions of Shaxian snacks, Putian, Dahongpao and Gulangyu, no other things can be thought of for a while (some people don't even know where Ningde is).
But in the financial industry and economic research community, Fujian Province is definitely one of the most special and research-worthy regions.

It can be said that Fujian Province, which was not rich in history, is the only region in the country that has relied on private capital to build a large number of local large-scale industries from scratch, from weak to strong, and from the bottom up after the reform and opening up... This is true for catering, shoes, medical care, temples, and tea; even the later famous new energy vehicle battery industry, if it had not received strong support from private capital in the early stages of the industry's development, it might not have reached that stage in later generations.

Although some of these industries that developed in Fujian Province and gradually spread across the country are indeed controversial and even highly criticized;

But you have to admit that this bottom-up industry construction model is unique across the country, and even a little terrifying when you think about it... If you are not engaged in industrial research, you will not understand how valuable the four words "bottom-up" are for industrial development.

As for Fujian Province, especially the southern Fujian region, there are certainly many reasons why they have achieved so many "incredible" results in the eyes of insiders, but the extremely controversial private financial model of the association/combination in the southern Fujian region, which has a very high penetration rate, is definitely a key factor that cannot be avoided.

………………

(More than a thousand words are deleted here. If you want to know more, you may want to find a classmate from southern Fujian to learn more.)
In the second period, colleague A, who had a good project, attended the meeting and briefly explained the general situation of his project to everyone. Finally, with the comprehensive evaluation and coordination of me, the head of the meeting, colleague A won the bid with an interest of 100 yuan.

Therefore, the funds that colleague A can get = the funds of the other 9 members + the head of the club = 1000 yuan X 10 = 1 yuan.

As a price, Colleague A will need to pay 1100 yuan in membership fees each period starting from the next period, of which 1000 yuan is membership fees and 100 yuan is the interest promised during his second round of bidding; at the same time, he also loses the qualification for subsequent bidding.

In the third period, after comprehensive evaluation, colleague B won the bid with an interest of 80 yuan.

所以他能获得的资金=其余9名会脚+会头的会金+同事A的利息=1000元X10+100元=1.01万元。

In the fourth phase, after comprehensive evaluation, colleague C won the bid with an interest of 60 yuan.

所以他能获得的资金=其余9名会脚+会头的会金+同事A的利息+同事B的利息=1000元X10+100元+80元=1.018万元。

The same goes for subsequent bids, until all 11 bids are used up and the last colleague automatically wins the bid without having to pay any interest; and he can get 1 yuan + 100 + 80 + 60 + ... which is the interest paid by the subsequent bidders.

In the previous 10 bidding events, the last colleague spent a total of 1 yuan, so after winning the bid, the extra money was his profit, and he became the only pure financial manager in the entire bidding event.

Now, with the example, is it easy to understand?
In short, bidding is a market-based financing method. The more urgent the need for funds, the sooner the funds are obtained, and the higher the interest you need to pay to win the bid. The bidding method quantifies the urgency of this financing and releases it step by step.

For the pure financial investors who won the bid later, although they received more interest, it also meant that they needed to invest more capital costs and faced a greater risk of bankruptcy, that is, the risk of the previous bidders running away. In this game between the financing parties and between the financing parties and the investing parties, the invisible hand of the market played an important role in every link.

This is actually the reason why bidding associations became so popular among the people in later generations. In a nutshell: bidding associations are a financing method that is more convenient, more efficient, and more in line with market principles than rural cooperatives and banks... For those who find it difficult to borrow money from banks but are in urgent need of funds, there is simply no better financing method in the world than the bidding association model.

Of course, as the general manager of Dezhou Urban Property Fund, Yang Mo, who has recently become closer to President Liu, suddenly asked Yan Laoxi to participate in such a bidding meeting. Naturally, his intention could not be so simple.

........................

"Master Xiao Yang, you... have noticed that the lives of the people in Dezhou and Lanling have improved slightly in the past two years, so you are targeting their wallets?"

Yan Laoxi frowned deeply.

Of course he understood that Yang Mo was short of money now.

Near the end of last year, Yang Mo took it upon himself to exchange the surplus funds of slightly larger enterprises in Dezhou and Lanling for special bonds. Everyone thought that facing the current shortage of money, Yang Mo's only way was to ease the relationship with You Yakun and actively embrace the DZ city authorities. Only in this way could he reasonably and legally open up channels with the banking system and obtain a large amount of funds.

But now that Yang Mo opened his mouth, Yan Laoxi knew that he was planning to move his plan to the grassroots level.

That's right, just because companies have no money doesn't mean that the people have no money. In the past two years, the economies of Dezhou and Lanling have grown visibly, and even the pockets of rural people have become fatter. Although that amount of money is not worth mentioning if calculated on a per-person basis, it is an extremely astonishing number when added together.

only……

Hearing this, Yang Mo smiled and said, "Old Yan, you are wrong. At least your words are not accurate... I am not targeting the grassroots, but I am planning to let those collective enterprises raise their own idle funds and concentrate their efforts on doing big things!"

As he spoke, Yang Mo said with a smile, "Thanks to the unremitting efforts of Dahua Company and Drilling Company, a large number of village collective enterprises and township enterprises have achieved rapid development in the past two years with the support plan for 100 villages... I don't want to interfere with their allocation of funds, but I think that in this golden age of rapid economic growth, it is a bit of a waste to use all the money earned to build houses and set up banquets."

Yan Laoxi's eyes twitched, and he immediately reacted: "Master Xiao Yang, what you mean is... you want me to organize a bidding meeting with township enterprises and village collective enterprises as units?"

Yang Mo nodded: "Yes, that's what I mean"

China has a tradition of sharing wealth with the people since ancient times. Therefore, in 1990, when China's private economy, which was just beginning to recover and was mainly composed of township enterprises, created a GDP that exceeded that of state-owned enterprises for the first time. Although this made state-owned enterprises lose face, they were still given positive evaluations by the state... The GDP created by township enterprises at the downstream of the industrial ecology can actually exceed that of state-owned enterprises. This is certainly due to the fact that state-owned enterprises are not doing well, but it also shows that these township enterprises are very efficient.

However, Yang Mo has a different opinion on how to share the wealth with the people.

It seems to be a persistence engraved in their bones. No matter whether it is in the rural areas in the north or the southwest, the first thing the common people do after they have money is to build a new house, and then find various reasons to invite the whole village to a banquet.

Yang Mo, who was born in the countryside, actually understands this mentality very well, and is not very opposed to this practice. After all, the cultural ecology in the countryside is different from that in the city. Some practices that city people think are a bit ridiculous are often necessary in the specific environment of the rural area.

He just felt pity.

No one knows better than him what the next ten years will mean, and no one knows that the next ten years will be the last golden decade for township enterprises.

Therefore, he believed that it was a great waste of resources to spend all the money earned on face-saving activities such as building houses and setting up banquets. If most of the money was used to expand production or business development and to be proactive, by the millennium, rural and township enterprises would not necessarily have become so desolate.

Upon hearing that the bidding was organized on the basis of enterprises, although he knew that this meant that Xialiu Sales Agency's workload would double in the future, Yan Laoxi's expression finally improved a little.

After thinking for a while, Yan Laoxi asked uncertainly: "But Master Xiao Yang, although it is not difficult to set up a club, considering the actual situation of the people in Dezhou and Lanling, it is not impossible to raise 3 million yuan, but... the club has its own operating model. After all, these funds are taken from the people and used for the people, so how you let the member units use the raised money is a big problem."

As mentioned before, the reason why the bidding meeting broke out was because
And this may not be a big deal for enterprises in the southern coastal areas. After all, there are so many ambitious people with quick minds there, and the only shackles are funds and resources. But for township enterprises and village collective enterprises in Shandong and Qilu, this is a matter of life and death.

But the problem is, since Yang Mo intends to raise funds from these township enterprises and village collective enterprises, considering the size of those enterprises, if he wants to raise enough funds, the number of enterprises will definitely not be small... Once the base is large, the problems of the project will suddenly become apparent.

You know, under this model, if 1/10 of the projects fail, there will definitely be a serious break in the capital chain. With so many companies coming in, if something goes wrong, it will be a big deal!
Yang Mo heard this, but waved his hand nonchalantly: "Don't worry about this. I will provide business consulting and guidance to those companies in the name of Dahua Company... The North American market is so huge, and there is Mexico as a springboard market. As long as they choose the right track and direction, they will not lack good projects."

Mexico?
North American replacement market?

Upon hearing this, Yan Laoxi's eyes widened: "Boss Yang, are you planning to take this opportunity to launch the Qiangcun Company Incubation Plan?"

Hearing this, Yang Mo couldn't help but frowned: "Do you know the incubation plan of Qiangcun Company?"

Yan Laoxi realized he had said something wrong after he had spoken it, and he simply admitted it bluntly: "I overheard it when I was chatting with Manager Lu one day. Although it was just a few words, it made me suddenly feel enlightened, so I wrote it down." Although Lu Yingying and Yan Laoxi were not familiar with each other before, as they worked together more and more often, the two people who were similar in some traits became more and more like-minded, and even had the intention of becoming sworn brothers. Therefore, it was normal for him to not control his mouth during the chat.

That silly girl!
He really has no sense of vigilance at all!

Hearing that it was Tugou who accidentally leaked a few words, Yang Mo couldn't help but feel a little headache.

At the moment, he nodded calmly: "The Drilling Company and Dahua Company have spared no effort to provide blood transfusions to those companies for such a long time, and it is time for them to gradually try to stand up and walk;"

"It's a great opportunity to seize the North American substitute market. Whether they can grow and develop step by step depends on themselves. Besides, this is meat pointed at them. It's fair to let them pay for this opportunity themselves."

Yan Laoxi nodded in approval.

Although patriarchal management has its advantages, it also has countless disadvantages. If you don’t have the spirit of enterprising, it will be useless no matter how much food you are fed.

Therefore, controlling the rhythm, breaking the greenhouse step by step, and letting these companies gradually face the wind and rain of nature alone is what a qualified trader should do. And obviously, the opportunity Yang Mo chose to break the greenhouse is really wonderful... Although the conditions are not yet mature for replacing the island country's high-tech products such as white goods, consumer electronics, and automobiles, but for products such as clothing, food, toys, daily chemicals, sports equipment, etc., it is not difficult to get a share of the substitute market if you work hard.

If these enterprises, under the guidance of Dahua Company, gradually get a share of the pie through their own efforts, then relying on the lucrative overseas market and some of the management and control functions of the large fund business of the Urban Real Estate Fund Company, incubating a group of strong village companies with strong driving force will no longer be a concept on the drawing.

besides……

Not knowing what he remembered, Yan Laoxi sighed silently.

........................

An hour later, Yang Mo finally walked out of the shabby little room.

Looking at the villagers who were busy like ants, Yang Mo looked up at the gloomy sky and smiled, "Where's Old Sun? Why can't I see him?"

Upon hearing this, Yan Laoxi recovered from his distracted state, and a smile appeared on his face, which had always been as cold as a rock. "I didn't know that you were coming today, Master Yang. Xiao Sun asked for leave yesterday and went back to the drilling company. I guess he is kneeling on the washboard at home now... He has been very busy recently, running around in and out of the county. He even couldn't make it back for his wife's birthday. It is said that the man at home was so angry that he even smashed the table. I guess it will take at least a day or two for him to be comforted."

All the men in Sichuan and Chongqing are henpecked. Even though Sun Jian is a big shot in the outside world now, he still gets scolded when he returns home.

Yang Mo couldn't help laughing when he thought of the wild giant panda kneeling on the washboard dejectedly and begging for mercy under the murderous gaze of his own guest.

Hearing Yang Mo's slightly gloating laughter, Yan Laoxi sighed silently in his heart.

In terms of how long he has known Yang Mo, he and Sun Jian have actually known each other for almost the same amount of time. Moreover, over the past three years, he believes that he has shown as much kindness to Yang Mo as Sun Jian, but Yang Mo has never shown such a "casual" attitude towards him, which shows how defensive the other party is against him.

He didn't understand at first why the other party was always so subconsciously wary of him; but as Yang Mo's status rose over the past two years, and the other party's layout became clearer, and his own knowledge gradually increased, he slowly figured it out.

However, both publicly and privately, he really didn't want to see the day when he and Yang Mo would part ways.

After hesitating for a moment, he, who had always been reticent, was about to invite her to his home and talk about something.

But before he could open his mouth, he heard a man and a woman greeting him from not far away.

"Mr. Yang."

"President Yan."

When I turned around, it was Chen Bingyi and Lin Keran.

When Yang Mo saw that it was two people, he immediately put on a warm smile, then walked over at a slightly faster pace than usual, stretched out his hand and shook hands firmly with Chen Bingyi, and then touched hands lightly with Lin Keran very politely.

"Mr. Chen, Ms. Lin, I didn't expect to see you two here... How are you doing in Texas these past two months?"

Yang Mo said this to Chen Bingyi. It was not that he valued the Chen family more than the Lin family, but Lin Keran was a young woman after all. If she greeted her companions right away, it would seem a bit frivolous.

Chen Bingyi smiled gently, but his tone was indescribably humorous: "Mr. Yang, the folk customs, economic development speed, and even the endless creativity in Texas have all amazed me, a wanderer who has lived overseas for a long time... At first, I complained to my father why he sent me to such a place I had never heard of before to investigate investment, but when I really got here, I realized that I misunderstood him. When I go back, I must thank my father for giving me such an eye-opening opportunity."

Hearing this, Yang Mo burst into laughter: "Mr. Chen is flattering us. Although Dezhou has been developing at a fairly fast pace in the past two years, it is not worthy of the word 'breathtaking'."

Chen Bingyi's use of the term "wanderer" made Yang Mo feel very comfortable.

To be honest, he has great respect for the older generation of patriotic overseas Chinese in Southeast Asia, but he does not have much confidence in the new generation of young people. After all, these people grew up overseas since childhood, and it is hard to say how much affection and nostalgia they still have for their homeland.

But now it seems that the situation is not bad?
Thinking of this, Yang Mo glanced at Lin Keran who was looking at him with interest. After a slight hesitation, he gave up the idea of ​​greeting this fashionable beauty and turned around to continue looking at Chen Bingyi: "How is it, Mr. Chen, after more than two months of investigation, do you have any projects you like?"

The reason why I used the term "favorite project" instead of the commonly used terms "project that I like" or "project that I want to invest in" is to implicitly reiterate my position: since I made a promise to both of you in the beginning, I, Yang, will do what I say. Except for those industries that really cannot allow foreign capital to intervene, I can help you coordinate the rest of the projects.

Upon hearing this, Chen Bingyi understood Yang Mo's hint and subconsciously wanted to open his mouth. However, he glanced at Yan Laoxi beside Yang Mo, and recalled what he had seen in Xialiu Village, and immediately swallowed his words back.

He had a hunch that even though it was no longer a secret in the eyes of some people that Yang Mo was short of money, now was not the best time to sell out. As the saying goes, good steel should be used on the blade. Although the assets that the Chen and Lin families planned to transfer this time were not few, they were not too many either. After investing in the vending machine production factory, the funds they could use were only enough to produce a sensational effect once.

Thinking of this, Chen Bingyi glanced at Lin Keran and found that this friend's mind was not on the business at all. He just kept looking at the man in front of him who he had only seen once more than two months ago. He suppressed his eyebrows that were about to rise, but smiled shyly: "Mr. Yang, there are so many good projects with amazing potential in Texas. We are almost dazzled. I really don't know how to choose for the time being. Why don't you... Mr. Yang, give us some more time?"

Upon hearing this, Yang Mo glanced at this peer whose face looked somewhat elegant and gentle like a scholar in the Republic of China, and thought to himself that he had underestimated him. He was indeed worthy of being the key training target of the Chen family. His level of interpersonal communication was impeccable, and his cautious and meticulous behavior, at first glance, seemed to lack the vigor and courage that a young person should have, but in fact, it was an excellent quality that any qualified investor should possess.

As expected, the Chen family started out as an industrialist. Although it has only been around for a few decades, its foundation has already been revealed.

Thinking of this, Yang Mo nodded slightly: "No problem, the doors of Texas industry and market are always open to all patriotic overseas Chinese. Mr. Chen, you can take your time to look around and choose. When you have an idea, just come to me directly."

After saying that, Yang Mo looked at the sky and smiled softly: "You two have been in Dezhou for more than two months. I am ashamed to say that as the host, I have not been able to properly entertain the two guests who came from afar except for the welcoming banquet at the beginning... It is now lunchtime. As the saying goes, it is better to have a good day than to choose a good day. If you two don't mind, how about you stay in the village for lunch today?"

As he spoke, Yang Mo turned his head to look at Yan Laoxi who was standing beside him, and said humorously, "The fancy pastries of Xialiu Distribution Co., Ltd. are very famous. The preserved vegetable bean curd and purple sweet potato bean curd are the best... Would you like to try them?"

Chen Bingyi was overjoyed when he heard this, and nodded hurriedly: "I dare not ask you, but it is what I want... In that case, I will bother you!"

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PS: Let me emphasize again that I am not trying to take advantage of the popularity, but the plot really needs to be written here. If you recall it a little, you will clearly remember that the hidden plot between Yan Laoxi and Taihui had already been laid as early as the free chapter.

(End of this chapter)