In the world's most famous luxury hotel, Ren Pingsheng and Jiang Qiurong each hold a glass of red wine and sit leisurely in the Peacock Lounge, drinking wine and chatting.

"Your financing is one of the most generous conditions I have ever seen, congratulations. ”

Jiang Qiurong's face was full of joy, and Ren Pingsheng was also full of smiles, they had never been so happy, even the slight tremor of the wine glasses touching each other could make each other smile.

"Without your support, this negotiation would not have been so smooth, and you have a share of the credit. ”

Ren Pingsheng This is not a polite remark, in the negotiation process with ICG Capital in the past few days, most of the time Jiang Qiurong is grasping the rhythm, and she is an extremely good reader in judging the price code and psychological bottom line of the other party.

And her biggest advantage is that she is extremely calm, Ren Pingsheng feels that her mental cultivation is deep enough, but she still can't help but be rash when it comes to things she cares about, fortunately, Jiang Qiurong is there at this time, and she pulls him back on the edge of the cliff that erupts every time.

For such a deputy who is suitable for him in all aspects, Ren Pingsheng must do everything possible to trap him firmly in his car.

"Hehe, I fell for you, I can't help it. ”

Jiang Qiurong shrugged her shoulders and said with a helpless expression.

"I knew I wouldn't talk to you about those financing and the like, but now it's better that I've become your personal finance. ”

Ren Pingsheng corrected with a smile.

"No, it's supposed to be my chief treasurer. ”

Jiang Qiurong glanced at Ren Pingsheng lightly, and quipped:

"You say, President Ren, when will you pay me a salary? ”

Ren Pingsheng has known her for so long, it is rare to see her joking with herself in such a relaxed tone, he naturally relaxed a lot, and responded with a smile.

"Look at what you said, you President Jiang nodded at any time, and I will greet you with a sedan chair at any time. ”

Ren Pingsheng's words were a pun, Jiang Qiurong listened to it in her ears, smiled without saying a word, just looked at the pair of phoenix eyes at Ren Pingsheng again and again, but the corners of her mouth overflowed with a smile.

"I'm afraid that my temple is small, please don't touch your big Bodhisattva. ”

Ren Pingsheng saw that she didn't respond, so he put on a bitter face.

"It doesn't matter if the temple is small, as long as you have the heart, you can make it bigger. ”

Jiang Qiurong stared at the red wine in the glass and said thoughtfully.

"It's decided, then my investment in North America can be entrusted to you with carte blibut. ”

Ren Pingsheng slapped the snake with the stick, locking the opponent's caliber.

The reason why he came to the United States in person this time was that in addition to finalizing the investment agreement with ICG Capital, he also had to put his overseas investment in place, which is the second major event after financing.

Since seeing the news of the iPhone listing that night, Ren Pingsheng has set out to speed up the layout of overseas investment, wanting to seize the time to make a fortune before 2008.

As we all know, due to China's unique foreign exchange control system, the most stringent control is implemented over the export of domestic funds, especially the foreign investment of capital accounts, which is extremely difficult to exchange and extremely risky.

In this matter, it is naturally inseparable from the guidance of Jiang Qiurong, who is in the financial system.

Before going abroad, Jiang Qiurong analyzed in detail several main ways for Ren Pingsheng to leave the country.

The first is the most primitive way of "ant moving". At present, domestic citizens are allowed to exchange the equivalent of 50,000 US dollars in foreign exchange every year for tourism, shopping and education, which is to borrow the quota of other people's accounts and exchange foreign exchange in the name of personal use, and then remit the funds out of the country little by little, and then aggregate them into the name of the real user.

This method is high-risk, slow-moving, and not suitable for Ren Pingsheng's current needs, so it was rejected first.

The second is to take advantage of trade lanes. Usually, the trading enterprise pays the overseas company in the form of cash advance and letter of credit in the name of import, and then the domestic company unilaterally defaults, and the overseas company forfeiture the deposit and compensation to achieve the purpose of capital transfer. Or by inflating prices, the profits are kept overseas.

If this method wants to be realized, it needs to be operated by a number of companies with import and export qualifications, and these import and export trades are basically fake, there is a risk of violating the relevant laws, and there is no deep background to do it.

The third is the channel for overseas securities investment. In other words, a Qualified Domestic Institutional Investor (QDII.) with an overseas securities investment business license can invest in overseas financing projects by designing a fund product or asset management plan. After obtaining the financing funds, the overseas entity will cash out and pay the demander through various means.

QDII does not require approval, and the loan speed is fast, which is originally a good way to leave the country.

But the biggest problem is that there are a limited number of Qualified Domestic Institutional Investors (QDII.), and there is a limit on the aggregate amount.

The amount of tens of billions of dollars per year is not enough for the institutions themselves, and it is very difficult and expensive to distribute them to others. It is not suitable for players with this amount of money in Ren Pingsheng.

In addition, such as credit card consumption, underground bank reversal, check entrainment, etc., basically involve illegal crimes, and are also the focus of the regulatory authorities, Ren Pingsheng will definitely not take this risk.

Therefore, Jiang Qiurong considered comprehensively and strongly recommended the use of the "domestic guarantee and foreign loan" method.

Specifically, the borrower first needs to find a bank with an overseas branch, and then the guarantor will deposit the cash or collateral in the domestic branch, and the domestic branch will provide a letter of guarantee or letter of credit to the overseas branch, and then the overseas branch can provide the borrower with a loan.

There are many advantages of "overseas loans under domestic guarantee": first, the authenticity is guaranteed, there is generally no arbitrage or foreign exchange fraud for false purposes, and there is no compliance risk; second, the speed of lending is fast, as long as the collateral is sufficient, the overseas branch can quickly lend money, avoiding losses caused by time delays.

Before 2016, a large number of domestic enterprises used the method of "domestic guarantee and foreign loans" for overseas investment, but later due to the abuse of this mechanism by many enterprises to purchase overseas assets at a large premium, resulting in an increase in the risk of the domestic banking industry, the state has strengthened supervision in this area in a timely manner, and this method has become difficult.

However, in the era of Ren Pingsheng, "domestic guarantee and foreign loans" are still the safest way to leave the country.

Of course, "foreign loans under domestic guarantee" are not so easy to operate, because the amount of financing guaranteed by external guarantees cannot exceed 50% of the bank's net assets, and small and medium-sized joint-stock banks are also subject to quota restrictions, which can only be done with strong domestic assistance from the financial sector.

Fortunately for Ren Pingsheng, he has such a strong internal support in front of him.

Handong Bank is a leader among small and medium-sized joint-stock banks, with its own assets second only to the four major banks, with strong funds and good guarantees, and just opened its first North American branch in New York this year, and the person in charge of this branch is Jiang Qiurong.

You said that this is a coincidence, as if everything was tailor-made for Ren Pingsheng, so that he could catch up with the wave before the financial crisis in time.

With Jiang Qiurong's guidance, Ren Pingsheng quickly used the 32 million yuan recovered from the Puxian department.

Some time ago, he bought 3 more houses in Hanhai City.

The first is the Yujing Building located in Nanjing West Road, Jing'an District, with a large flat floor of 460 square meters, with an average price of 20,000 yuan per square meter and a total price of 9.2 million yuan;

The second set is located in Tiandi Yuyuan, near Xintiandi, Huangpu District, with a 320-square-meter high-rise duplex with an average price of 35,000 yuan per square meter and a total price of 11.2 million yuan;

The third set is the World Trade Lakeside Garden located in Mingyue Road, Handong New District, with a 670-square-meter waterfront villa with an average price of 18,000 yuan per square meter and a total price of 12.06 million yuan.

Ren Pingsheng mortgaged more than 10 million yuan from Tiandi Yuyuan, which has been used to invest in Happy Times, and the other two houses were used as collateral for "domestic guarantee and foreign loans".

Under Jiang Qiurong's operation, the financial center branch of Handong Bank soon issued a letter of guarantee, and the New York branch of Handong Bank lent 7 million US dollars, and the money has now been transferred to Jiang Qiurong's shell company registered in the United States.

After the funds arrived, Jiang Qiurong immediately followed Ren Pingsheng's instructions and started the first investment.

The main purpose of Ren Pingsheng's spending so much effort to move funds overseas is to invest in U.S. stocks, and the first target is, of course, Apple Inc. (code: AAPL).

Under Jiang Qiurong's operation, the $7 million was financed through Goldman Sachs Group, and 2 million shares of AAPL common stock were purchased with 3x leverage, at an average price of about $10 per share.

If you bought it a few months earlier, you could still buy AAPL shares at a lower price, but Ren Pingsheng had tried his best, and now this stock has been in less than half a month since it was established, and it has made a floating profit of 4 million US dollars, which made Jiang Qiurong amazed.

From predicting the trend of the domestic A-share market, to founding Wanyou Network to introduce venture capital, and then to investing in U.S. stocks abroad, this man has made several big moves in just a few months, and he has earned them steadily.

Although some of this process is the result of luck and some of his own efforts, it does not affect the mysterious ability of this man in the slightest.

This man is really not ordinary, not ordinarily strong.