I didn't graduate from junior high school, and Wang Liu obviously didn't bother to do the delicate work of writing applications.

After sending Li Ke and Zuo Xicheng away, he looked directly at Yang Kai and said, "I've gone to college anyway, it's no problem to write an application, right?"

Yang Kai was stunned for a moment, and then said, "No problem, I will definitely get it." ”

"I'll leave it to you, hurry up. Wang Liu patted him on the shoulder and followed him over, in addition to being a driver, it was time for him to play other roles.

"Understood. Yang Kai nodded heavily.

Early the next morning, an application was handed to Wang Liu.

"So fast?" Wang Liu looked at the application, and then looked at Yang Kai with two dark circles under his eyes, and said in surprise: "Let you grasp it tightly, but I didn't let you grasp it so tightly, look at these dark circles, I stayed up all night last night and didn't sleep, right?"

Yang Kai grinned and said with a smile: "It's okay, I've been here for so long, and the others haven't helped, so I'm still good at writing an application, and I can't drag Brother Wang back." ”

Wang Liu smiled and said, "If you have a heart, I will go to the city with Zhixin to submit the application later, you don't have to go, eat some food first, and then sleep well." ”

Yang Kai nodded and said, "I listen to Brother Wang." ”

After eating, Yang Kai went to sleep, Wang Liu took Wang Zhixin straight to the city, without Yang Kai as a driver, Wang Liu finally touched the steering wheel, although he didn't have a driver's license, but this year he drove a big run, and no one came up to check, and drove all the way to the municipal building.

You can enter the office hall casually, but if you want to go upstairs, you have to make an appointment, after all, the office of a leader is an important place, and the prevention and control must be cautious.

Wang Liu didn't expect the application to be written so quickly, and he didn't make an appointment in advance, but he left Zuo Xicheng's phone number last night and contacted him temporarily, and someone came downstairs to pick him up within a few minutes.

"I'm Mayor Zuo's secretary Qin Feng, Mayor Zuo is busy, so I specially asked me to come down to pick you up. Qin Feng smiled at the corner of his mouth, approachable, but not too close.

The leading secretary has always had the nickname of the second chief, and he can mix in this position, and he has his own arrogance in his gestures.

"Hello Secretary Qin, I came in a hurry, and I didn't bother to make an appointment, and I bothered you to go downstairs for a trip, I'm really sorry. Wang Liu confessed his guilt and talked enthusiastically.

can be a secretary, basically the boss's confidants, and it is right to have a good relationship.

Qin Feng smiled faintly: "Mr. Wang is polite, the leader is waiting, why don't we go up first?"

"Okay, Secretary Qin, please. Wang Liu stretched out his hand and said politely.

All the way upstairs, in front of the office, Qin Feng knocked on the door, got a response, and pushed the door directly.

"Leader, Mr. Wang is here. ”

Zuo Xicheng looked up and swept his eyes.

Wang Liu hurriedly smiled and said, "Mayor Zuo, the application is written, I'll hand it to you." ”

As he spoke, he stepped forward and handed the papers to the table.

Zuo Xicheng picked it up and looked at it briefly, and nodded slightly: "Okay, there are still some procedures to go, you go back and wait for the news first, I will arrange for someone to notify you when there is a result." ”

"Okay, okay, you get busy first, I won't bother. Wang Liu took the opportunity to leave.

I just met, and I haven't reached the level where I can greet and pull relationships more, so it's good to be able to do business now.

went out and left contact information with Qin Feng, and Wang Liu left.

The issuance of bonds needs to be approved, and during this time, it is just the right time to register the branch first.

The materials have been handed over before, and today it is time to receive the receipt, coming out of the municipal building, Wang Liu went straight to the Industrial and Commercial Bureau, no accident, the materials were approved, and the business license was successfully handled.

Then engrave the seal, handle taxes, open an account, a set of processes down, the branch registration was completed, half a month has passed, and there is finally news about the issuance of bonds, Qin Feng called and informed Wang Liu that the approval was passed.

"Mr. Wang, I'm just waiting for you, let me introduce, this is Wu Fan, the manager of Hengchang Securities, and they will help underwrite the bonds of your company. ”

Zuo Xicheng is a leader after all, and this kind of trivial matter will not be done by himself, just let the secretary handle it.

After making an appointment to meet at the city government, as soon as Wang Liu entered the office, Qin Feng said hello, and then pointed to a person next to him to introduce.

"Hello, Manager Wu. Wang Liu stepped forward with a smile.

Wu Fan smiled back, shook hands and said, "Hello Mr. Wang, I am very happy to cooperate with your company." ”

According to the regulations, enterprises cannot sell bonds by themselves, and must be underwritten by qualified securities companies.

Wang Liu was also happy to see it, someone arranged it, and he also saved himself from contacting: "I am also honored, this time I have to trouble Manager Wu more." ”

Qin Feng said with a smile: "I'm only responsible for helping you take the lead, and now that I've introduced you to each other, how to cooperate with each other, you can see and discuss it yourself." ”

Wu Fan nodded and looked at Wang Liu: "Do you understand the underwriting method, do you want me to introduce it to you first?"

"No, I don't. Wang Liu shook his head and brought it out to issue debts, and he naturally did his homework in this regard.

There are three types of underwriting, namely consignment sales, balance underwriting and full underwriting.

Consignment means that the underwriter sells as an agent, and it is unknown whether it is sold or not, and after the end of the offering period, if the bond is not sold, the remaining part will be returned to the issuer.

There is not much difference between balance underwriting and full underwriting, the former means that the underwriter sells first, and if it is not sold out after the end of the sale period, the underwriter is responsible for purchasing the remainder.

The latter refers to the fact that when a bond is issued, the underwriter uses its own funds to buy the bond in its entirety and then sells it on its own.

"I understand the underwriting method, if you have anything to say, Manager Wu can just say it. ”

Wu Fan said: "Then I'll say it directly, I have a brief understanding of your company, it is just starting out, there is a slight lack of assets, the amount of 30 million bonds is not small, the risk is there, the first cooperation, you see...... How about we use dropshipping?"

Not good...... Wang Liu secretly complained that what he needed was to finance money, and underwriting was naturally the most cost-effective for him, so he would package all the bonds to Wu Fan, and he wouldn't have to worry about the rest.

With consignment sales, he still has to keep thinking about whether the bonds are sold out or not, which is too troublesome.

However, it is also understandable that in the first cooperation, his strength is not enough, if he underwrites, and finally pays not back the money, the underwriter will have to pay for this loss, and it is normal for Wu Fan to be cautious.

Wang Liu nodded: "Yes, just sell it." ”

Wu Fan smiled and said, "In addition, our charging standard is two thousandths of the issuance amount, can Mr. Wang accept it?"

"No problem. "Let people work, naturally let people make money, two thousandths, and the debt is only 60,000 after all the debts are sold, which is quite reasonable.

Wu Fan's smile is even bigger, there is no objection to the underwriting method and handling fee, and this cooperation is basically no problem.

"Finally, how much does Mr. Wang plan to set for the issuance period and interest rate?"

Wang Liu muttered: "The term is 3 to 5 years, as for the interest rate...... How much does Manager Wu think is appropriate?"

Wu Fan thought for a while and said: "The current interest rate on treasury bonds is 7.11%, after all, corporate bonds are not as stable as treasury bonds, if you want to attract people to buy, the interest has to be high, 15% for three years, 18% for five years, how does Mr. Wang feel?"

"No problem. Wang Liu responded.

High-cost financing is basically the norm in the real estate industry, and sometimes there is a shortage of funds and loan sharks dare to borrow, compared to this interest is not a problem at all.