SME loans are harder than eating!

This is especially true in the aftermath of the financial crisis.

Don't talk about state-owned banks, there is no strong relationship, don't even think about it, joint-stock banks are also heavy hurdles, the existence of Huayuan, naturally makes many small and medium-sized enterprises rush to it, business one after another, as if not interest.

Even some companies that are not short of money will have something to do to play a shot.

So much so that Ou Chen will feel that Zhao Zejun is really 'too generous' this time.

According to the current interest rate, if it is raised by two or three points, there will still be a large number of enterprises willing to take out loans.

Whether Zhao Zejun himself is kind or not, outsiders don't know, but as an entrepreneur, it is obviously impossible to 'do good deeds with kindness' in business. Therefore, many people in the outside world also think that Zhao Zejun did this, firstly, to cooperate with the city's policy of attracting investment, and secondly, to better control Nanping.

"The interest on these points is not important."

Zhao Zejun waved his hand and said, "You are over there, only help me do two things." First, observe these loan companies, and if you find that they lack the ability to repay the loans, even if there is no actual evidence, but you are suspicious, tell me immediately; Second, Huayuan will appropriately increase the scope and amount of the loan, and you can cooperate with it. ”

"Do you want to make a performance, in a short period of time, to make Huayuan's performance beautiful?" Ou Chen also experienced it, and immediately reacted.

"Yes." Zhao Zejun nodded: "Don't spread this word, you can know me." ”

Ou Chen's heart moved slightly and nodded. When it comes to the financial industry, the water behind it is too deep, and it is likely that it is not just a Huayuan, or even a matter of Zelianke's financial division, but a matter of the grand strategy of the entire Zezi system.

This kind of thing, how much Zhao Zejun says, how much he listens, and never asks too much; Let him do what he does, and he must do it well.

Zhao Zejun saw that Ou Chen's face had obviously become a little dignified, and realized that he had made the problem too 'mysterious', so his tone was much more relaxed, and said: "Hua Yuan is just a medicine primer, so don't be too nervous." ”

"Well, I know it."

After finishing the business, Ou Chen said again: "It turns out that you still remember the white horse in our bedroom?" ”

"Of course I do!" Zhao Zejun laughed.

Who doesn't remember, and can't remember Bai Jun.

In his previous life, he was working for Bai Jun, Bai Jun's father was a leader who was not big or small, had real power, and got Bai Jun an energy company, to put it bluntly, it was a few gas stations.

Bai Jun eats, drinks and has fun, he is a vice president at him, and he grasps all the big and small things by himself, and finally drinks and dies alive.

During college in this life, Bai Jun was often absent from the dormitory, and his relationship with several other people in the dormitory was very average.

As soon as the old secretary was transferred like this, a group of leaders in the city from top to bottom were affected. The old man of Bai Jun's family retreated to the second line ahead of schedule, and Bai Jun couldn't withstand the pressure of PetroChina, so he sold the company along with the land belt. Last time you came to me, you want to set up a mold processing factory, to supply several electrical appliances factories in the city, and you still have money on hand, I hope I can tell you about it, and give him a loan, five million. ”

When Zhao Zejun heard this, he felt a little emotional.

For Bai Jun, the boss of his previous life, Zhao Zejun's initial feelings were very complicated.

On the one hand, although Bai Jun doesn't care about things, his attitude towards himself is not particularly good or bad. If it weren't for him, he wouldn't have been able to buy a house at all with his original dead salary, and it can be said that he could become a so-called 'successful person' in his last life, thanks to Bai Jun;

On the other hand, after all, they used to be bedmates, bunk beds, and the other party was inferior to themselves in school, but when they left school and went out of society, the other party didn't do anything at all, so they were naturally a class higher than themselves.

Zhao Zejun is also a human being, and he also has emotions, some emotions, and some emotions are even very negative and vulgar.

Whoever encounters this kind of thing will have some imbalance in their hearts.

Why? Just because you are a department-level cadre, you can do nothing in your life and live more comfortably than most people in China? Can you drink too much wine at the class reunion, and call yourself a little Zhao Xiaozhao in front of those old classmates?

At the beginning of this life, especially after the 'reunion' with Bai Jun in college, Ze Yue and Ze Jian have made some improvements, Zhao Zejun used to be a little naïve and thought that sooner or later he would raise his eyebrows in front of Bai Jun.

However, this idea has only lasted for less than half a year, and as the development is getting better and better, and the vision is getting higher and higher, Zhao Zejun has not thought of Bai Jun for a long time.

At this time, when I turned around, I suddenly found that the resentment and injustice in my heart had completely disappeared.

If there is anything left, it is nostalgia for the college life that has not seen each other many times in this life for more than a year, and the love of classmates who are not too deep.

"It's up to you. After all, they are all former roommates, and they can help if they can. Zhao Zejun smiled: "If Huayuan is inconvenient to go through the account, I will personally lend him money, don't let him know." ”

Speaking of classmates, he brought out a lot of past events, and chatted with Ou Chen about the roommates, teachers, and classmates in the university.

Zhao Zejun has had very little contact with the old people in the university over the years, and Ou Chen has a little more.

Some of the buddies who called them brothers and sisters back then have long been strangers, and the girl who had a crush at that time has also married a wife.

According to the words of a certain teacher back then, life is like a bus, people keep coming, people keep getting off, I don't know what kind of people I will meet on the next trip, and I don't know when the people around me will leave suddenly, and I will never be able to walk with you again.

Do it and cherish it, those who come will not lose, and those who go will not stay.

After sending Ou Chen away, Zhao Zejun rubbed his face and pulled his thoughts back.

Now that Huayuan's has gone well so far, you can talk to Bao Heping.

"Mr. Bao, I'm Zhao Zejun, do you have time recently? There are some financial matters that I would like to consult with you face-to-face...... Yes, please help me with advice, you are an expert in this area. ”

……

……

Zhao Zejun flew to Shanghai on the same day.

Huahai Securities is moving, and the new address is in the most prosperous financial gathering area in Shanghai, and the Zeye Plaza under construction, less than two kilometers away in a straight line.

Bao Heping is Qin Qin's elder, and as soon as they met, they talked about Qin Qin in three sentences.

In this matter, Lao Bao's chat method is not at all like the chairman of a well-known national securities company, but it is no different from an uncle who chats and gossips on the side of the road.

"I heard that Qin Qin hasn't been looking for you recently, you young people, are you in a mood?"

Lao Zhao was stunned by his question, why did Qin Qin come to me in a good manner? Besides, she can afford to mess with herself.

There is such a thing as arranging work for dinner, one Qiao Xinyun and one Kong Hui, the former is occasionally ambiguous, and the latter is half a true lover, what is it like to have a Qin Qin again?

Playing mahjong is missing one out of three? Or did they discuss it, and the three of them came to fight themselves, the landlords?

"Ahem, the matter of blogging China, Qin Qin's late contact in the middle helped a lot. When she has time, I invite her to dinner. Zhao Zejun said something ambiguous.

"I really don't understand you young people. Why don't you go public and ring the bell and bring a female friend, what a big deal. Qin Qin, a little girl, is embarrassed. Bao Heping said.

Zhao Zejun felt a little trance, I took Su Yun to ring the bell, what was Qin Qin unhappy about?

It's really none of my business this time, from the beginning to the end, I haven't said a single superfluous word. I don't like the kind of woman who doesn't seem to be able to do anything without a straight face......

Fortunately, these unnutritious conversations didn't last long, and they quickly got to the point.

"You want to buy a fund company?"

This time it was Bao Heping's turn to be stunned by Zhao Zejun.

Zezi is towards finance, in Bao Heping's view, it is a matter of time, even if he doesn't know what project Zhao Zejun wants to do, but Bao Heping is not surprised.

However, there is no need to acquire, so many excellent fund companies can cooperate, and the cooperation model is ready-made, that is, simple and safe, without huge investment.

If you want to eat eggs, you also have to raise a chicken, which is ......

It's inevitable, ambitious, or rather ambitious.

"Mr. Zhao, you are going to make a big move this time."

Bao Heping's eyes flashed, and he said with interest: "Isn't it too big to directly acquire the fund company?" If nothing else, the economic account alone is an astronomical amount. If you really want to take control into your own hands, you can apply for a license. In my opinion, if you go to apply, it shouldn't be a big problem. ”

"It's too time-consuming to apply for a license on your own."

Zhao Zejun said: "It takes at least a year and a half from application to approval, and new fund companies often have to go through a period of several years of loss. Moreover, this is not only a matter of licenses, but also a team, and it takes time and effort to build and cultivate a mature team. So, I thought about it, and the benefits of an acquisition are immediate compared to starting a new company on your own. However, I have a very good understanding of domestic fund companies, and I would like to ask you to help me refer to them. ”

Seeing that Zhao Zejun had made up his mind, Bao Heping did not persuade him more.

"If you're going to make an acquisition, there are two legal issues that you have to settle first."

Bao Heping said: "Zelianke is an overseas company and is not allowed to directly hold funds in China. First, according to the new regulations, the major shareholders of fund companies must have successful experience in the management of the financial industry. These two articles are dead, and the details can be discussed, but in general they cannot be bypassed. ”

"That's no problem, Zelianke has made preparations in advance in accordance with relevant laws and regulations in this regard." Zhao Zejun nodded.

The establishment of Huayuan, rather than charge less interest, but also to make Huayuan's performance look good, is to prepare for the acquisition of the fund. That's why I told Ou Chen that Huayuan is just a medicine primer.

"Oh?" Bao Heping's eyes lit up, and he pointed at Zhao Zejun and said with a smile: "It seems that you came prepared this time, and you are determined to win." is still polite to me, and everything you know is superficial. ”

"The groundwork still needs to be done." Zhao Zejun also smiled.

"In that case, it's theoretically fine."

Bao Heping nodded: "The Internet has developed rapidly in recent years, if you talk about cooperation, there are many fund companies willing to join forces with large Internet investors, and you Zelianke can be regarded as a giant in the industry." But ......"

After a pause, he said: "But large fund companies and bank-based fund companies are unlikely to use equity to hug the thighs of the Internet, and if you want to acquire, it is not just a matter of spending money." ”

said, glanced at Zhao Zejun, and added: "Even if the other party is willing, mature and high-quality fund companies like Huaxia and GF will give you the acquisition, and you will not have the money." You're not going to sell Zeyue, are you? In addition, the fund company only operates and manages the fund, not the owner of the fund, and it is difficult to have explosive income in a short period of time, and many will lose money. ”