Hun Tian Company unabashedly borrowed the hands of other financial companies and directly targeted the most important investment section of Tianyuan Finance——

Investment Banking!

It should be said that at present, except for investment banking, all other businesses have come to a standstill due to the abolition of external pools.

Originally, the most profitable business module of Tianyuan Finance was actually fund management and so on.

Because Tianyuan Financial has an enviable huge capital flow.

I want to close the withdrawal of the external pool that was completed today.

It has sparked a wide range of heated discussions in Ningbo's financial circles.

When the news of the target appeared, the heated discussion became even greater.

"I heard that this time that Zheng Gongzi plans to kill them all. ”

"Isn't this something that has been made clear, the external capital pool of nearly 5 billion, the new CEO of Tianyuan Financial said that it would be withdrawn, and it must be because of external pressure. ”

"I also agree with this, the news that comes out is that the CEO is young and vigorous or something, this kind of thing, just listen to it. ”

"Who will give up the benefits in hand. ”

"It must be because not giving up this piece of fat will have unimaginable consequences. ”

"It's nothing more than a stake in Tianyuan Financial ......"

"I heard that after Tianyuan Finance occupied 80% of Jincaimao's shares for 40 million, the boy said that he would exchange 40 million for 20% of Tianyuan's shares. ”

"This appetite is still quite big, one bite is hundreds of millions. ”

"That's not hundreds of millions, after the shares, the external capital pool will definitely return to its place, or even grow, it can be expected that there will be several hundred million benefits every year. ”

"Tianyuan's financial report is not public, but the investment level is indeed very high, otherwise how could there be such a large capital pool business. ”

"With such a big appetite, it's no wonder that Tianyuan would choose a hard bar, and after luring the wolf into the room, it will be even more troublesome. ”

"So, even an old thing like us can't agree, will the legendary young and vigorous CEO of Tianyuan agree? The conversation broke down on the spot, and this morning he used legal means to send the vice president who left the company in. ”

"I don't know how this will end in the end. ”

“......”

"Having said that, what do you think of the situation this time?

"It's hard to say, anyway, from the bright side, that son's resources are too rich, and it is said that ICBC has come forward. ”

"What a feud!"

“......”

"In fact, I've always been curious about a question, where did the CEO, who actually holds 95% of Tianyuan's shares, come from, and who is behind it?

"Haven't you checked?"

"It's just that I'm curious when I check it, and I can't find any useful information at all. ”

"Indeed, it's mysterious, and I suspect that those loose shares are also cross-owned by this CEO. ”

"There may be a good show about to start, with that Mr. Zheng's invincible mentality, I'm afraid I won't care about this matter, after all, I get what I want every time. ”

"It's true, it's a bit complicated. ”

“......”

Discussions in the financial circle are discussions, and they will not affect the development of things.

Because......

It's none of your business.

When Ning Yan received the news, it was already five o'clock in the afternoon.

According to common sense, it is already the end of work at this time, and the employees of Tianyuan Financial have already started to have fun, so how can they have the heart to deal with any work business.

But at this time, a target just happened.

Tianyuan Financial has a relatively high-quality investment banking business - debt financing. ①

What does this business mean?

It is equivalent to saying yes:

Let others lend money to the customer, the product is still the customer, and the customer makes money plus interest and returns it to others.

Where is the quality of this business.

Earn without losing money.

The reason why you make sure you don't lose money is very simple, Tianyuan Financial is equivalent to an intermediary.

It doesn't require any monetary effort to get double the returns.

But there are certainly other resources that need to be paid.

Therefore, even if Ning Yan knew the level of trouble in this business, he didn't plan to stop it, after all, this was a meal for many employees.

Because it really makes money, but it really can't make a profit.

What is Zheng Jie's target:

mobilized familiar financial friends to snatch all the 'others' in the hands of Tianyuan Finance.

This can only be regarded as a business grab.

Not excessive.

The next step is very excessive, to end the contract with 'others' in advance.

This operation has little impact on Tianyuan Financial itself, and it affects the 'customers' of Tianyuan Finance.

However, if the credibility of customers is lost, and customers are directly lost, how can Tianyuan Financial's business be carried out?

In other words, the debt financing business will also be forced to close.

Although it is a hard bar, the initial targeting is really only indirect.

But!

When Tianyuan Financial has no business, coupled with huge debts, is the fate of Tianyuan Financial conceivable?

............

............

"Boiled frogs in warm water?"

Ning Yan flipped through the news summary and said with raised eyebrows.

Yan Zhi frowned: "Don't take it seriously." ”

"You don't think that's serious enough?"

Ning Yan shook his head: "That's not it, I just think it's not like Zheng Jie's handiwork, it's a bit pediatric." ”

"In fact, the impact on Tianyuan Finance is not too big, how can the opening be a little louder, right?"

"For example, hundreds of millions of funds were used to snipe Tianyuan Finance in the futures market. ”

Another example is to mobilize his resources and let Tianyuan Financial's large and small securities custody customers do things. ”

“......”

Yan Zhi: "???"

"Don't you just want to just sit back and enjoy the results, and wait for Zheng Jie to directly defeat Tianyuan Finance, and then come to the aftermath of the liquidation, right?"

"If all these targets are started, Tianyuan Financial will not be far from bankruptcy. ”

"You'd better think twice. ”

Ning Yan waved his hand: "I don't play like this yet, revenge is not overnight, now I am just watching a play, in Ningbo, I really have no resources, and there is no advantage at the initiative level." ”

"That's why I said wait for him to dance, and then I can deal with it. ”

"Did I let you arrange the things to be arranged, don't worry about Saturdays and Sundays, just do it. ”

Yan Zhi nodded: "I've already arranged it." ”

The lounge fell silent.

"You say, for a financial company, is it enough money to be invincible?"

After a moment, Ning Yan suddenly asked.

"Let's just say that, any company can say that. Yan Zhi thought for a moment before replying.

Ning Yan hummed and didn't squeak again.

When Ning Yan and Yan Zhi were communicating and responding, Li Weixin and other executives were also discussing the emergency.

Although the employees of Tianyuan Financial were all pulled out by Ning Yan for vacation, the things that should be found were not delayed at all.

After all, on another level, these executives don't have time off.

You can handle transactions even when you are not in the company.

What's more, many transactions are handled in a simple way.

It is nothing more than the exchange of network resources.

Therefore, when the employees of Tianyuan Financial are still enjoying this rare all-round leisure time, a lot of things have happened outside Tianyuan Finance.

In the morning, the relevant agencies came to inquire not to mention.

The current business module is aimed at a relatively large risk, and it is basically the end of the matter now.

What needs to be decided is nothing more than the way to wrap it up.

In the small lounge, the senior management of Tianyuan Financial gathered, most of whom were men, and the situation was more serious, and the smoke was inevitably swirling.

The few female executives have long been accustomed to this secondhand smoke.

It's something that can't be helped.

Li Weixin snuffed out the cigarette butt and said in a deep voice.

Mr. Ning said he knew. ”

Li Weixin's face was shrouded in smoke and tea mist, which was not so real to others.

"What do you think?"

After Li Weixin's words fell, the lounge fell silent.

Ning Yan's will is very important to Tianyuan Finance.

If you insist on giving an example, it is equivalent to the will of the emperor in ancient times, which can only be carried out, unless you leave.

After all, Tianyuan Finance has lost money, and they can still get their salaries.

"Mr. Li, Mr. Ning means let's discuss a response plan first, and then submit it to the past?"

“......”

Someone said a nonsense.

But this nonsense seems to be necessary again.

Sometimes, in any industry, it is inevitable to figure out what you want.

"Before we get into it, there's one more thing, let me say a little bit about it. ”

Li Weixin suddenly spoke.

"Mr. Ning thinks that the other party will put pressure on our company through the bank, because we have maintained a good cooperative relationship with ICBC, and because of this cooperative relationship, we have borrowed 300 million yuan from ICBC. ”

"What Mr. Ning means is that we have to prepare in advance. ”

After a pause, Li Weixin gritted his teeth and said in a cold voice.

According to reliable sources, ICBC will meet with Mr. Ning tomorrow. ”

As soon as the news came out, everyone looked at each other for a few minutes.

Li Weixin was actually very surprised.

He didn't expect to be guessed by Ning Yan.

After knowing the news, Li Weixin was inexplicably more in awe of Ning Yan, who was young and showed moderate tendencies.

He had a hunch that since Jin Cai Mao suddenly appeared with a problem, everything didn't seem to be out of Ning Yan's control.

Including yesterday afternoon's meeting at the company.

It seemed that Ning Yan seemed to be a little angry, and deliberately made it like this.

But after the incident, Li Weixin clearly saw Ning Yanyun's light appearance in the CEO's office, indicating that everything was expressed.

Combine this thing again.

Li Weixin thought a little more, and it seemed as if Tianyuan was in a financial crisis, but the word crisis has always been translated as both danger and opportunity.

So whether it's an opportunity or a danger, this is a test of his experience.

"This matter is not discussed. ”

Li Weixin emphasized.

The smoke in the lounge was a little thicker.

It took a long time before someone spoke.

"Judging from the current situation, first of all, some of the resources we have in our hands have clearly supported each other, and most of them, I think, this should not be something we can change in a short period of time......

"That's right, but we still have a choice, although the resources support each other, but our customers are still there, otherwise there is no need to discuss it, just cut the debt financing. ”

"I'll go back to the details of the current situation, and the first thing that is certain is that this part of the people who have changed the level of support has already passed us and wants to end the debt contract early.

Specifically, 12 customers were involved, and the original payment was 360 million. ”

"Is there any more specific data?"

"Yes, all debt financing contracts have binding legal responsibilities, and early termination of the contract will create a series of problems, especially in the current non-negotiation model. ”

“......”

The original amount was 360 million, and the original required return was 414 million.

In other words, the comprehensive rate of return is about 15%.

The time is generally more than one year.

Don't underestimate the 15%, just take the common stable investment financial management methods such as Yu'e Bao, the annualized interest rate is only less than 3%.

Of course, there are also funds that can return nearly 30% per annum, but after all, they are a minority.

At least in the absence of a suitable market, unless the loan shark is lending, the rate of return is not large.

Or do small online loans, which are generally reliable at an annual interest rate of 18% and below.

However, because of the forced termination of the contract in advance, the approximate payment should be less than 380 million.

That is to say, it will cost an extra 20 million.

"We really only have two options at the moment.

One is to lose all the trust of the customer and let the customer handle it themselves.

The second is that we take over the contract directly, and the future proceeds will be ours. ”

"The results of the first option are clear: debt financing is essentially an end to it. ”

"The structure of the second option is also clearer, we have to fill a big hole, and ...... addition to bank loans"

“......”

All of you are executives.

In fact, everyone has already figured it out in their hearts.

The reason why it has been difficult to express one's position is also because no matter what the decision is, it will have a substantial impact on Tianyuan Financial.

The most important point is that Ning Yan wants to see their statement.

If the external capital pool is not withdrawn, the flow of less than 700 million funds will not have any impact on Tianyuan Finance at all.

Maybe when the year-end earnings report comes out, it will attract a large number of customers.

But now......

The total assets are only one billion Tianyuan Finance, and in the face of these 700 million funds, it hurts to have a headache.

After a long time, Li Weixin interrupted everyone's argument and said.

"Vote by show of hands. ”

“......”

"Okay, I also support the company to take over the contract, and I will report the results of our discussion to Mr. Ning. ”

"Some upfront things, do it. ”

“......”

Although all the employees of Tianyuan Financial are on vacation, some business backbones still have some pressure in their hearts, and they will definitely not indulge themselves too much.

So there's still someone taking care of things.

After listening to Li Weixin's report, Ning Yan thought for a while and nodded: "Okay, since you think it's feasible, that's it." ”

"President Lin of the city branch talked to me on the phone and invited me to have a cup of tea tomorrow. ”

"What I asked you to prepare, are you ready?"

Li Weixin nodded.

(1): The big guy who knows the inside story, please don't go into detail, I wanted to write a futures or something like that, but I found that it was not easy to operate, and the matter was here in a hurry, and I grabbed it, and the explanation may not be right, but it should be right from the literal meaning.

======

Broken bowls.

PS: I heard that this kind of business war routine has been outdated for a long time...... Boom, broken bowl crying.