After He Shenghua was decadent for a long time, he regained his spirits, did not dare to delay for a moment, and quickly convened a meeting of the group's senior executives.

In the conference room, He Shenghua sat at the top, looked at Xiang Li, the financial director, with a calm face, and said:

"Small item, you summarize a copy of the financial statements of the entire group to me, within today, be sure to complete it!"

Xiang Li was a little strange, but she didn't say anything, and nodded in response.

He Shenghua looked at Yu Moutao again and said:

"Mou Tao, you arrange the company's customer service here, and make a phone call to the users who have recently invested due to return, so as to let users reinvest and reduce the loss of withdrawals. ”

Yu Moutao looked at He Shenghua, he knew the operation situation best, knowing that it was already in danger at this time, and He Shenghua's purpose was to relieve the financial pressure. Nodding his head, he said:

"Mr. He, don't worry. I'll be sure to get this work in place!"

Then He Shenghua looked at Liu Kuan, the sales director of Jingrui Loan, and said lightly:

"In the next period of time, you will do your best to recover the bridge loans that have been issued.

In addition, in addition to the original docking bank funds, the Jingrui Wealth Platform may not be able to provide new funds for the time being.

Therefore, the business scale of the loan subsidiary should be reduced. ”

A trace of surprise crossed Liu Kuan's eyes, and he asked carefully:

"Mr. He, is something wrong?"

"Yes, Jingrui Wealth will make some business adjustments next. You try to stabilize the fundamentals of Jingrui Loan!"

He Shenghua didn't want to hide the confidants who had been with him for many years, but he didn't want to say it too clearly.

Liu Kuan nodded, and didn't ask any more questions.

After the meeting, He Shenghua left Xiang Li and Yu Moutao behind, informed them of the real situation, and asked them to make suggestions together.

"Mr. He, I said earlier, the advertising is too impatient, and after a few months of hard work, thirty or forty million funds have been wasted like this. ”

Knowing that He Shenghua was "yin", Xiang Li was a little indignant, and out of the sensitivity of a financial staff, she was very opposed to this dangerous way of operating.

"yes! I'm to blame for that. Hey, I was in such a hurry that I got to where I am today. ”

He Shenghua said with annoyance, regretting that he had not been at the beginning, and he had believed the villain.

"Mr. He, the top priority is to solve the dilemma that may arise in the future. ”

Yu Moutao reminded that after learning the truth from He Shenghua, he knew that he was facing a huge mess.

"yes, let's not talk about the past. Let's talk about how to fix this mess!"

He Shenghua also forcibly cheered up, he knew that as the backbone of the company, he had to maintain that spirit. If you lose your fighting spirit, then the people below will be in chaos.

He Shenghua regained his spirit and looked at the two of them:

"I still have some money, so I'm going to put all of them into it this time and do my best to stabilize the situation.

If you survive this, you'll both double your wages and give you some equity.

If I can't make it, I'll take on all the debts. You two should leave early!"

"Mr. He, there is no need to be like this. I've been working with you for so many years, and I'm with you through this level. ”

Although Xiang Li is a woman, she also said proudly at this time.

"Mr. He, although you and I have only worked together for a month. But I also admire your personality and responsibility. Now the situation is not completely without a chance of a turnaround. ”

Yu Moutao said calmly, he believes that the current situation is both a crisis and an opportunity.

"Oh, let's talk about it!" He Shenghua hurriedly said, and together with Xiang Li, he set his hopeful eyes on Yu Moutao.

Yu Moutao analyzed:

"At present, our platform has 360 million to be collected, 110 million in June, 220 million in July, and 30 million in August.

Now we are recovering 150 million short-term bridge funds in the short term, that is, within a month, plus 10 million risk reserves, which is 160 million.

What really tested us was the 200 million long-term mortgage funds, which could not be recovered in the short term. ”

At this point, he paused, and then continued:

"As long as more than 200 million funds enter our platform every month, this debt can be renewed.

But with our current situation, it is very difficult to do advertising as soon as it is broken.

This road obviously doesn't work!

There is another way, and that is to transfer the creditor's rights!

The principal amount of the loan is 200 million, 100 million for one year and 100 million for two years, with an interest rate of 24%, and the total value of the debt with interest is 272 million.

We transfer it at a price of 200 million, and we don't make a penny, as long as we can exchange 200 million cash in a short period of time, the crisis of Jingrui Wealth will be resolved immediately!

Just ......"

Glancing at He Shenghua, Yu Moutao sighed and said:

"It's just that the pending income of our Jingrui wealth will be reduced to 0. Going around for a few months, spending 40 million is equivalent to a bamboo basket for water!"

He Shenghua's face is not very good-looking, after all, no one wants to see the projects that have invested most of their life's wealth cleared.

But he thought about it carefully, this should also be a blessing in misfortune, if there is really a run, then what kind of fundraising, the rest of his life will wait for the national meal!

Moreover, Jingrui's wealth is gone, and Jingrui's loan is still there! If you go back to your old business, it will be no problem to maintain your basic life.

He Shenghua looked at Yu Moutao and asked tentatively:

"Is there an institution willing to undertake our 200 million housing loan debt?"

"I should be able to find it, but it is estimated that a guarantee agreement will be signed!" Yu Moutao thought about it for a while and said, and he didn't say too much.

"Are you saying that some institutions are afraid that the 200 million creditor's rights are too bad debts and need to be guaranteed by our side?"

He Shenghua felt that his mind was opened up all of a sudden, as long as the long-term loan of 200 million yuan was solved, he could still land safely.

"Yes, our 200 million transfer of creditor's rights is equivalent to the transfer of the original price. For the undertaking institution, there is no difference from lending on its own. You may also feel at a loss because you didn't put it yourself, and you don't have any certainty.

Therefore, we need to provide guarantee credit enhancement!

If there is a bad debt, we will buy it back to ensure that the interests of the other party are not lost.

In this way, the loan principal of 200 million plus 72 million interest is basically foolproof for the undertaking institution. ”

Yu Moutao said everything he thought of.

"That's a good certainty that the debt will be transferred. It's like picking up money for nothing.

If there is a bad debt, we will recover it. 72 million interest is equivalent to being steadily pocketed by them. ”

He Shenghua said with emotion, with mixed feelings in his heart.

"Then what do we use as a guarantee to increase credit?" He Shenghua asked again.

"Use the equity of Jingrui Loan Company!" Yu Moutao looked at He Shenghua and said very directly.

"Does it have to be like this?" He Shenghua still had deep feelings for the company he started, and couldn't help asking.

"Even if the equity of Jingrui Loan Company is added as a guarantee, there is only seventy or eighty percent certainty that the debt will be transferred.

After all, this is 200 million, which is not a small amount, and the undertaker will still bear some risks. ”

Yu Moutao is not 100% sure of this matter, so he can only say that he will do his best.

"Okay, it's done! Mou Tao, you should be responsible for contacting the creditor's rights undertaking agency! Negotiate this matter as soon as possible. ”

He Shenghua also knew that the situation was urgent, and a decision must be made as soon as possible, and the situation would only get worse if it dragged on.

"Okay, Mr. He, I'll do this when I come down. Yu Moutao replied and reminded again:

"Huashuang's cooperation with us is still a month, and they have to bring us 240 million in the next month.

So, we only have one month left!"

He Shenghua nodded and said:

"Yes, it depends on whether there is a chance to resolve the crisis in this last month!"

He turned his head to look at Xiang Li again and asked:

"Next, take stock of the group's funds, Jingrui Fortune is mainly to stabilize the existing situation, and Jingrui Loan must also have a smooth transition, and it must not be chaotic!"

After He Shenghua assigned the task to the two, he began to think about counterattacking.

After suffering such a big loss, it is impossible for him to give up.

Call the legal counsel and ask him to take a second look at the cooperation signed with Huashuangxing.

The legal counsel said solemnly: "Mr. He, the situation is not ideal. We signed a cooperation with Huasi, and they only guarantee the investment amount of monthly drainage. For subsequent conversions, there is no requirement.

If we sue them, there is a high probability that we will not win this lawsuit. ”

He Shenghua was a little frustrated, knowing that this time this dumb man was doomed. Then he asked:

"Wang Qihang muttered over there, he colluded with Huasi to make our company suffer tens of millions of losses. Is there a way to control him? ”

"Wang Qihang is suspected of commercial bribery, and I suggest preparing materials to report to the police. The legal counsel said.

To say that the person He Shenghua hates the most now is Liang Weimin, and the second is Wang Qihang.

"Eat things inside and outside!" He Shenghua said secretly, and immediately instructed the legal department to start collecting evidence and preparing to report the case to the public security organs.

At the same time, He Shenghua still had an idea in his heart, that is, through Wang Qihang, he pulled out the radish and brought out the mud, and gave Hua Sichuang a blow.

......

After Yu Moutao took over the task of transferring mortgage claims, he first packaged 200 million mortgage claims and loan claims involving more than 400 borrowers into an asset package.

With the asset package in hand, Yu Moutao began his sales journey.

Local AMCs, asset management companies, online loan companies and other large and small institutions have added up to twenty or thirty.

The skin of the mouth is worn out, and I haven't talked about the next ideal cooperation price.

The best condition is an online loan company, which is willing to take on the debt of Jingrui Wealth at a discount of 20%, that is, 160 million.

Like other AMCs and asset management companies, they all deal with bad debts, and the lowest is only willing to be 5% off, that is, 100 million to undertake the "second mortgage" debt of Jingrui Wealth.

Yu Moutao also knew that he was too optimistic.

Jingrui is now peddling creditor's rights, and in the eyes of other institutions, it is either a toxic creditor's right, or Jingrui's capital chain is broken.

In either case, it is impossible to accept your claim at the original price. Even if you add a loan company with an annual profit of six or seven million as a guarantee.

Yu Moutao reported the situation to He Shenghua, and He Shenghua was ten years old and did not speak for a long time.

He Shenghua knew that he was afraid that he would not be able to pass this hurdle. Every day, I shut myself in my office, smoked and drank heavily, waiting for the fate of the final judgment.

Yu Moutao shook his head when he saw this, He Shenghua accepted his fate, he didn't accept his fate, dialed a phone call, and said:

"Hey, is it Liang Shao?"