Winning the new financial era

Chapter 518 Syndicated Loan
"Dad, come with me!"

In a villa, Liang Weimin was persuading his father Liang Yuanping.

Liang Yuanping waved his hand, "I can't leave, I've been charged by the border, and I can't leave the border."

"How much money is left? I still have a few hundred million here."

Liang Yuanping was quite relieved. Although he also knew that his son's money came from wrong sources, compared to before, at least he knew that he could support himself.

"The hole is bigger than you imagined, don't do these useless efforts."

Liang Yuanping's family knows about his own family affairs, since taking over from his son to take charge of Tiantianzhuan.

Eager to make his listed company Huasi Chuanghang bigger, he completely regards Tiantianzhuan as a cash machine.

Mergers and acquisitions are needed to earn some money from every day;
Need to pull the market, or earn money from Tiantian;

……

I thought that Huasi Chuangxing's development would reach a higher level, and I would be able to go back and fill in the holes I made every day.

But who would have thought that mergers and acquisitions would be unfavorable, the stock market plummeted again this year, and a wave of investment was all in vain.

Not to mention the liquidation of the stock in hand, the hole I made every day is getting bigger and bigger.

Now, catching up with the thunderstorm again, Tiantianzhuan directly collapsed.

Now the whole country knows that Tiantian earns thunder, and investors from all over the country go to Beijing to collect debts.

Tianzhuan has no new funds to enter, and the market value of his remaining Huasi Chuanghang stocks cannot fully cover the platform to be collected.

Even if the several hundred million sons are added, there are still two or three billion holes.

He decided, let's go to jail!

As for the son, I still have a few hundred million in my hand, let's give it to him together, it should make him have no worries about food and clothing for the rest of his life.

Liang Weimin stopped trying to persuade him, and turned back when he was walking to the door, "Persist for three years, wait for me to come back!"

"What are you doing? Don't do stupid things?"

No matter how Liang Yuanping shouted, Liang Weimin didn't look back.

……

He Shenghua looked at the two pieces of news that "Huaxin Investment" and "Tiantianzhuan" were registered, and he didn't secretly rejoice, but was only afraid for a while.

He once also owned a P2P platform Jingrui Wealth, which is now Ruimin Wealth Management.

If it hadn't been bought by Zhang Yida at that time and continued to operate, I'm afraid it would have been hard to escape.

His old rival, Xu Zhiyun, who is also the boss of Huaxin Investment, has now been taken criminal coercive measures by the public security organs on the charge of illegally absorbing public deposits.

As for how many years the sentence is, it probably depends on the degree of return of stolen goods!

I heard from former friends in the circle that Xu Zhiyun sent his wife and daughter to the United States long ago, and his property was also transferred cleanly.

For ordinary people, it is difficult and difficult to get back all the principal from these filing platforms.

The Zhuzhubao platform, which was filed two years ago, has not yet returned the stolen goods.

……

After the thunderstorm entered July, not only did it not stop, but it intensified.

Zhang Yida made an appointment with the four major banks of China Agricultural Industry and Construction, as well as four foreign banks, Goldman Sachs, Morgan Stanley, Bank of America Merrill Lynch, and Credit Suisse, to discuss an equity pledge.

"10% of Ruixiang Group's equity, pledged for a loan of 200 billion U.S. dollars?"

Robert from Goldman Sachs shook his head again and again, "Mr. Zhang, don't say that Ruixiang has not yet been listed, even if it is listed, it is impossible to give such a high pledge ratio."

Evans of Morgan Stanley asked in confusion: "Excuse me, Mr. Zhang, why do you have such a large demand for loans?
For loan purposes, we must grasp, after all, such a large amount. "

Zhang Yida explained: "Recently, there has been such a big negative industry news about Internet finance in China. You should have heard of it, right?"

Robert nodded, "Yes, I heard that I sympathize with the Chinese people very much."

Representatives of the four major banks said, "This is not the first time something happened to unlicensed financial institutions, and it will definitely not be the last time.

Since you want to earn high returns, you must be prepared to take risks. "

Although this statement is cold, it is indeed such a truth.

Zhang Yida thinks why P2P can cause such a big impact is also related to the long-term lack of financial management channels in China.

A 10% yield is a lot, but think about the annual inflation rate, think about how fast house prices are going up.

Here I still want to thank the rising speed of housing prices. If there is no such wealth management channel, I am afraid that more funds will flow into P2P.

Zhang Yida heard that the fuse of this thunderstorm was the opening of a property in Lin'an.

Then a large number of ordinary people withdrew funds from the platform that mainly focuses on current wealth management, which directly caused a run on the platform and caused the platform to collapse.

After all, it is not a bank, and playing current financial management is slow suicide.

Yimin Wangjin briefly launched current wealth management in 13 or 14, and was soon replaced by Zhang Yida with a currency fund.

"I want to set up an asset management company "Yanhuang Investment", so I need a loan."

Robert frowned, "Asset management, what assets are you managing?"

"Credit Assets!"

Evans was surprised, "You don't want to use Yanhuang Investment to take over the credit assets of those users, do you?"

"Yes, that's what I thought!"

Robert pinched his chin, pondered, and smiled after a while: "I understand!"

Thumbs up, "Mr. Zhang, this is you! Tall, really tall!"

Others were dumbfounded, why didn't I understand?Where is the height?

Robert glanced at the others, and found that no one was as smart as himself, and suddenly felt a little proud.

He didn't explain too much, so as not to make Zhang Yida unhappy.

The representatives of the four major banks understood some national conditions and some policy trends, so they asked Zhang Yida: "Mr. Zhang, are you planning to clear up P2P assets in one fell swoop and withdraw from the industry?"

Zhang Yida smiled, "No, it's just an opportunity for investors to exit.

After all, our two platforms have more than 1000 billion pending receipts, and if all transfers are released, the current situation may form a barrier lake. "

The representatives of the four major banks did not believe Zhang Yida's words, and they had already borrowed 200 billion US dollars, and they also said that they did not plan to take over all of them.

"Goldman Sachs can lend money if the use of funds is to flow into these credit assets."

Robert smiled, "But there is a condition that additional collateral must be added, or more equity pledged."

Zhang Yida asked, "How much do you need to pledge?"

"20%, this condition is really not strict, it can even be said to be loose, nearly 5% of the pledge ratio."

Robert smiled brightly, "In addition, the loan interest rate, term, and even the repayment method can be discussed, and Goldman Sachs will give the most favorable plan."

Seeing that Goldman Sachs started grabbing business, several other banks also spoke up one after another, promoting their own banks.

Zhang Yida was not in a hurry to make a decision on which bank to choose, as such a big list would definitely not be able to be handled by one bank.

For the sake of risk diversification, banks will also form syndicates for lending.

(End of this chapter)