"Dad, come with me!"

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

Liang Yuanping waved his hand, "I can't go, I've been controlled by the border, and I can't get out." ”

"How much is missing? I have hundreds of millions here. ”

Liang Yuanping was quite pleased, although he also knew that his son's money was not coming from the right way, but compared with before, he at least knew that he could support himself.

"The hole is bigger than you think, don't do this useless work. ”

Liang Yuanping knows his own family affairs, and since he took over from his son to take charge of earnings.

Eager to make his listed company Huasi Chuangxing bigger, he completely regarded making money as an ATM.

Need mergers and acquisitions to make some money;

Need to pull the plate, or take money from earning;

......

I thought that the development of Huasi Chuangxing would reach a higher level, and I would be able to go back and fill the hole I earned.

But who would have thought that mergers and acquisitions were unfavorable, the stock market fell sharply this year, and a wave of investment was all lost.

The stocks in hand have been blown up, and the hole in the profit is getting bigger and bigger.

Now, it has caught up with the thunderstorm and made a direct collapse.

Now the whole country knows that it has made thunder, and investors from all over the country have gone to Beijing to collect debts.

There is no new money coming in, and the market value of his remaining Huasi Chuangxing stock cannot fully cover the platform to be collected.

Even if you add the hundreds of millions of sons to the other, there are still two or three hundred million holes.

He decided, let's go to jail!

As for his son, he still has hundreds of millions in his hand, and he will give it to him, which should be able to make him worry about food and clothing for the rest of his life.

Liang Weimin no longer persuaded him, and the body that had originally walked to the door turned back, "Hold on for three years, wait for me to come back!"

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

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

......

He Shenghua looked at the two news that "Huaxin Investment" and "Earn" were filed, and he didn't rejoice, but some were just afraid for a while.

He also used to own a P2P platform, Jingrui Wealth, which is now Ruimin Wealth Management.

If it hadn't been acquired by Zhang Yida at that time and continued to operate by himself, I am afraid it would have been difficult to escape this catastrophe.

His old rival Xu Zhiyun, the CEO of Huaxin Investment, has now been taken criminal coercive measures by the public security authorities on charges of illegally absorbing public deposits.

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

Listening to the former friends in the circle, Xu Zhiyun had already sent his wife and daughter to the United States, and his property was transferred cleanly.

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

The Zhuzhubao platform, which filed a case 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 a share pledge.

"10% Rui to the group's equity, pledged $20 billion loan?"

Robert of Goldman Sachs shook his head again and again, "Mr. Zhang, Bei Ruixiang has not been listed yet, even if it is listed, it is impossible to give such a high pledge ratio." ”

Morgan Stanley's Evans was puzzled and asked, "Forgive me for taking the liberty of taking on such a loan, Mr. Zhang, how can you have such a big loan need?"

For the purpose of the loan, we must grasp, after all, such a large amount. ”

Zhang Yida explained: "Recently, China's Internet finance has exploded into such a big negative news in the industry, you should have listened to it, right?"

Rob nodded, "That's right, listen, I sympathize with the Chinese people very much." ”

The representative of the four major banks said, "This is not the first time that non-licensed finance has had an accident, and it will not be the last.

If you want to win high returns, you must be prepared to take risks. ”

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

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

A 10% yield is high, but think about the annual inflation rate and think about how quickly house prices are rising.

Here is still thanks to the speed of housing price rise, if there is no financial channel, I am afraid that more funds will flow into P2P.

The fuse of this thunderstorm, Zhang Yida heard that a real estate project in Lin'an was opened.

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

After all, it's not a bank, and playing current money management is a chronic suicide.

Yimin Netfinance briefly launched current wealth management in 13 or 14 years, and was soon replaced by Zhang Yida with a money market fund.

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

Robert frowned, "Asset management, what assets are managed?"

"Credit assets!"

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

"yes, that's what I thought!"

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

gave a thumbs up, "Mr. Zhang, you are this! tall, really tall!"

Others looked confused, why didn't I understand?

Robert glanced at the others and found that none of them were as smart as themselves, and he was 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 clean 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 100 billion to be collected, and if all of them are released for transfer, I am afraid that a dammed lake will be formed in this situation. ”

The representatives of the four major banks did not believe Zhang Yida's words, and they all borrowed 20 billion US dollars, and they did not plan to cover it all.

"If the money is used to go to these credit assets, Goldman Sachs can lend money. ”

Robert laughed, "But there is one condition, you have to add collateral, or pledge more equity." ”

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

"20%, this condition is really not strict, and it can even be relaxed, nearly 5% of the pledge is a number. ”

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 began to grab business, several other banks also spoke one after another, promoting their own banking schools

Zhang Yida is not in a hurry to decide which bank to choose, such a large list, a bank will definitely not be able to eat.

In order to diversify risks, banks will also form a syndicate to lend money.