Zhang Yida clearly wanted the eight banks to bid for each other, but none of the people who could sit here were fools, and after conceding to an annualized interest rate of 4%, he refused to give in.

Because if interest rates are lowered, there will be no oil and water.

Zhang Yida saw that the heat was almost over, and said: "Okay, 4% is 4%. However, I have one requirement for the currency of this loan. ”

"Oh, Mr. Zhang, please?" Robert raised his hand.

"Half RMB, half USD. ”

Robert and the representatives of the other three foreign banks looked at each other and nodded, "Yes, the dollar part will be borne by the four of us." ”

"We will bear the renminbi part. "The representatives of the four major banks are not dragging their feet.

Zhang Yida smiled, "I'm not in a hurry to ask for this loan at the moment, you can give a credit line first." ”

Robert is not very surprised, the credit model is the norm, after all, such a large sum of money, a full 20 billion US dollars, withdrawn, where to invest?

The interest rate may not seem high, but it is $800 million a year.

Choosing the credit model, the investment opportunity appears, immediately use the bank credit line, a small amount of investment, this is in line with the maximization of interests.

"What about the approximate withdrawal time?" Robert asked again, he was also very concerned about when Zhang Yida would use the money.

If he keeps it unused, it will not generate income for the bank, and he will not be able to get performance personally.

"Probably between six months and a year in the future!"

Rob nodded, time is not long, acceptable.

……

After reaching a preliminary agreement with the eight major banks, Zhang Yida asked the staff of the Xinhuo Family Office to register a company in Hong Kong, "Yanhuang Investment".

And this company is 100% owned by Yanhuang Investment. Behind the Cayman company is the Zhang Yida Family Trust.

Yan Huang Investment Hong Kong has also registered a subsidiary in Beijing to operate its mainland business.

After all the structures were built, Zhang Yida transferred 20% of his shares to Yanhuang Investment.

In this way, his shares in Ruixiang were divided into two, and the other 26.53% was in the hands of another Cayman company under his control, Yizhou Overseas.

Zhang Yida asked Lei Dongming, a partner of Huayi Capital, and Ding Siyao to recommend some people to set up the shelf of Yanhuang Investment.

In Zhang Yida's vision, Yanhuang Investment controls US dollar funds and invests in the international market;

Yan Huang Investment has mastered RMB funds and invested in the mainland market.

The reason for this arrangement is also to take into account various reasons such as foreign exchange control, tax planning and so on.

Yan Huang Investment can be regarded as his personal independent family office.

The Xinhuo family office has been in operation for two or three years, and after figuring out the basic operation model, he doesn't want to continue to partner with others, so he simply makes one himself.

As for the equity of the three listed companies of the Yimin system, Zhang Yida is still managed in the Xinhuo family office, in addition to standing up for his own company, he also has a cunning rabbit and three holes.

After the establishment of Yanhuang Investment, there was no big business, so it took over P2P credit assets and Bayer Animal Insurance's acquisition negotiations, which were followed up by two companies in the mainland and Hong Kong respectively.

On the P2P side, Fan Hongyang and Fang Yuhan, as the heads of two large platforms, participated in the secret symposium organized by the Financial Office.

The content of the meeting is very simple, first, you must carry out border control on all your P2P bosses, and you cannot leave the country without authorization.

Second, it is necessary to carry out three reductions in P2P business, that is, to reduce the balance, reduce the number of people, and reduce the storefront.

……

Fan Hongyang, who came back from the meeting, was completely dead, the leaders did not talk much, and it became inevitable to retreat.

As soon as the "three drops" came out, it directly pushed the platform that had not collapsed to the end of the road.

Especially some companies that are not yet profitable!

Because regulators require a downsizing, this will have a significant impact on the revenue of each platform.

Those that have already made a large profit will have a decline in profit or even a loss, and those that have already made a profit may go to a loss.

As for those who are still losing, it is basically a dead end.

Because in the current environment, investment institutions will definitely not invest in this industry.

As for those that are very large and did not fall in this thunderstorm, then the water is drained, and you will know who is swimming.

However, all this has little to do with him and Fang Yuhan.

Both of them knew the news of the establishment of Yanhuang Investment, and they also knew what this investment institution was for.

Zhang Yida pointed out the way forward for the two of them, that is, to get rid of P2P and start a "second venture".

That's right, it's a second venture.

Zhang Yida didn't have time to appease them, so he directly said that he wanted to run the company with the mentality of starting a new business.

The glory of the past only represents the past, and now we must forget all this and start all over again.

The two returned to their respective companies to arrange for the latest "assignment of creditor's rights" function to be launched!

As soon as this feature came out, investors who had already been in the news rushed to transfer their debts.

Because they are now frightened birds, they are afraid that they will not get their money back.

According to the latest transfer rules, the principal can be returned, but the interest during this period will be gone.

It's not that Zhang Yida is greedy for this small profit, but mainly hopes that other investors will bear part of the pressure.

Not to mention, there are really a lot of investors who come to buy the bottom.

In fashionable parlance, that's when others are fearful and they are greedy.

Out of trust in Yimin Wealth Management, Ruimin Wealth Management, and Zhang Yida's reputation.

Some investors took out a lot of money and began to take over some of the claims transferred by other investors.

The most sought-after ones are those one-year, two-year, and three-year targets, and some investors have been investing for 10 or 20 months.

There are still two or three months to go, but they don't want to suffer any more and have to jump out of the car.

Even if you lose some interest, as long as the principal is still there, it is the biggest win.

The happiest thing is the group of investors who bought the bottom, and won high returns at a small price.

For example, 100,000 yuan buys other people's debts worth 107,000 and 108,000 yuan with interest.

After two or three months, this debt will be completely due, and you can get another two or three thousand yuan in interest.

It is equivalent to 100,000 yuan of investment, and 10,000 yuan in two or three months.

However, after all, the people who jumped out of the car were a minority, and many people were also frightened by various thunderstorms in the outside world.

After a period of chaos, the tide of transfers also slowly subsided.

It seems that Yimin Wealth Management and Ruimin Wealth Management will not collapse for a while and a half, and they cannot be transferred at a loss. This is the thinking of a part of investors who have calmed down.

Yanhuang Investment, as well as the parent group of two P2P companies, have not used their funds.

Zhang Yida chose to let the market digest it naturally, and let a group of investors with low risk appetite get off first, so as to avoid sudden chaos in the future.

Because these people are the most easily shaken and cannot withstand incitement.

In addition, considering that the thunderstorm has caused a lot of financial pressure on some investors, some need to repay mortgages, credit cards, etc., give them a chance to get off in advance.

The two platforms have not officially announced their withdrawal, and in addition to opening the transfer function, they are also continuing to issue bids.

It's just that the standard is much less, and the interest rate has been cut sharply.

The scale of lending that has been formed by several companies in the Yimin system cannot be reduced for a while.

Because once you shrink, the huge team on the asset side will look extravagant and wasteful, unless there are layoffs.

Zhang Yida asked several companies to maintain the scale of lending and not continue to expand, because rash expansion would cause great pressure on the capital side.

While looking for banks to negotiate cooperation, we will continue to let the P2P platform issue bids.

It is not suitable to completely announce the withdrawal at this time, and ordinary users can't stand this scare.

Zhang Yida is also waiting for the right opportunity, and when most of the lending funds are replaced by bank funds, the time is basically ripe.

When the time comes, let Yanhuang Investment buy out the creditor's rights in the hands of investors once.

The bomb was successfully defused and landed safely! Perfect!

Ordinary users complained that Yimin Wealth Management and Ruimin Wealth Management had cut interest rates again, and it was becoming more and more difficult to grab the target.

There are also users who regret that the creditor's rights were transferred early, and they knew that the platform was fine, so they ...... I don't transfer it.

In short, through a whole set of fancy techniques, the two platforms quickly stabilized, and the future development path was clear.

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