Chapter 79 Private Finance
Daya waited for Wu Chen to hang up the phone, and then said with some grievances: "No, wood, why did she look for you, didn't look for me?" I forgot that I just called myself an uncle, and I seemed to scare the little girl a lot.
"How do I know about the Dao? Maybe she doesn't know how to go, you can go on a big run! Wu Chen said with a smile.
"Makes sense!" Big Tooth nodded immediately, and a sense of pride arose in his heart. But he thought about it, this girl surnamed Zhou seems to have a lot of background, and she shouldn't be the kind of girl who just wants to cry in the BMW and doesn't want to laugh on the bicycle!
Thinking about it like this, the smugness in my heart immediately disappeared by more than half, and I couldn't help but feel a little stunned. Turning his head and seeing Wu Chen driving with a bad smile on his face, this kid must not have any good ideas in his heart!
No, you have to stimulate him well, it's not buddy's style to be beaten passively all the time, "How is your goddess Lin lately?" ”
"That's it." Wu Chen was stunned for a moment, and didn't want to mention more, anyway, the previous situation, the big tooth knew about it, and it was difficult to say what happened recently.
"Would you like to make an appointment and have dinner together?" Big Tooth smiled cheaply, and said with a rich face, "Isn't their company engaged in finance?" By the way, ask how to manage your money! ”
", you're going to do it!" Wu Chen glanced at him, he still doesn't know what kind of financial management you have, don't you just want to show off!
Since that night of madness, Lin Zhen's attitude towards him has been much better, but she is still used to that kind of casual life, the living habits of the two people really overlap with the trajectory, but except for the occasional phone call, they haven't met again!
However, Wu Chen remembered that Zhang Jun was here, and this guy didn't know what happened to Lu Dao.
Why don't you call him over and help? This society is too chaotic, and those who used to be barefoot were not afraid of anything, but now that they have shoes to wear, they really bother to protect themselves.
Not to mention anything else, just take the calcite as an example, there is no capable assistant around, in case of an accident, I really don't know what to do! In the future, there will definitely be more occasions like this, and you should find a bodyguard.
In his mind, Zhang Jun's plain and simple face appeared, well, he can fight more than a dozen at a time, and he is not injured Brother Meng!
When he got home, Wu Chen didn't delay, so he called Zhang Jun and learned that the other party was still in his hometown, helping the family do some farm work every day, and he was in a panic.
Wu Chen was embarrassed to say it directly, for fear of hurting the other party, so he only said that he had resigned now, and he was going to do some business, and he might have to run around a lot and needed an assistant, and asked Zhang Jun if he was willing to help him.
Zhang Jun couldn't hear that Wu Chen was trying to help himself. He was very grateful to Wu Chen for thinking so much about himself, and he readily agreed, saying that he would come over after packing up in the next two days.
After Wu Chen finished calling, Daya was very curious to ask who it was, Wu Chen gave a general explanation of Zhang Jun's situation, and Daya became interested when he heard it.
He, like Wu Chen, has a plot of troops, as soon as he heard that Zhang Jun was a special soldier discharger, he had to rush to ask for it, he was deeply impressed by the two black sunglasses and black suits behind Tang Fatzi, that is called the big boss!
Wu Chen didn't bother to pay attention to him, let him be noisy, and sent a message to Lin Zhen, saying that he had found something for Zhang Jun to do, and told her to take care, the weather is hot, don't stay in the air-conditioned room all day, drink more water or something.
When Lin Zhen received Wu Chen's information, he was sorting out the materials, and recently, the rumors about their company's involvement in money laundering have not stopped, especially recently, the gossip has been spreading, and a big customer with a large amount of capital transactions with their company and nicknamed Yao Boss has been targeted.
Although the wind and waves are calm on the surface, they all know that the investigation in the dark of the road must have been carried out in secret, but they don't know when the road will erupt, whether it will hit a certain executive, or drag the whole boat to sink.
This kind of suppressed emotion has been permeating the company for a long time, making people panic.
The investment committee, which is composed of several partners, held several meetings in succession, and internal disagreements finally broke out.
Two partners chose to leave the company, and the other three continued to insist on staying, but they made a series of adjustments to the company's business, shrunk many camps, and sold their previous businesses in industrial investment such as mines and hotels. The departure of the two partners for liquidation requires a lot of money, and now the policy is tightened, and cash is king.
After the integration of business, mainly concentrated in high-tech, biology and other fields of VC/PE business, small and medium-sized loans and part of the second-hand market investment, even the original "sunshine" of the private equity section has also been suspended, this was originally Lin Zhen was doing, finally changed N times of recruitment passed, and was suspended business.
Fortunately, in this adjustment, she can be regarded as promoted, in addition to being the assistant to the investment director, she is also responsible for the internal administrative team.
At this moment, Lin Zhen was sorting out the materials, and at the same time remembered the words of the director Xu Sanduo in the afternoon: "Remember, for us who do capital and play capital, customers are definitely not gods, they need our cultivation and guidance, they are just our consumers, and we are a seller's market, they need funds, they must respect our rules and do what we want." ”
In fact, he said so much, as the saying goes, being rich is the boss, but Mr. Xu will never say that, he belongs to the kind of person who has been deeply influenced by gentleman culture since he was a child, never speaks foul language, and he doesn't know why he uses a lot of folk slang in the mainland.
Xu San is just forty years old, not tall, hard and straight, with bright eyes, energetic, and also a Chaoshan person, but he was born in Hong Kong, and his father is an academician of a certain academy of the Celestial Dynasty, which allows him to enter and exit the famous Chaoshan business district in the metropolis of Hong Kong since he was a child.
He completed his undergraduate studies at the Hong Kong University of Chinese, went to Melbourne to study for a master's degree in finance, and returned to the Hong Kong government to work for the group that spans real estate, entertainment, finance and other fields, and whose name is associated with the British royal family. Later, he was transferred to the Mainland and was responsible for the Group's financial business in the Mainland.
A few years later, he used his own resources to start the company with several partners, among several partners his age and seniority are not top-notch, but from the beginning firmly occupy the commanding heights of the investment director, basically the company's core business needs to pass through his hands, as a partner of the company, has an important influence in the investment committee, but more importantly, before the project meeting, he has a veto.
Over the past few years, Xu Sanduo has become one of the most senior private financial experts in the triangle, mainly due to access to information in the secondary market and the mature private lending model of the Hong Kong government.
Before the country gradually liberalized personal micro-financing, he had introduced the Hong Kong-style private lending model into Guangzhou, Tuchuan City, which has a long history of private lending, and registered a financial company as a subsidiary of the group, specializing in small and medium-sized enterprises and private lending, over the past few years, this business has not only gained a firm foothold in the industry, but also faintly become a leader in the industry, thanks to the company's standardized management.
Of course, this industry has always been in a gray area, and as for the source of funds, there is naturally some black money and hot money, and the government's control is also wide and tight, and they survive in this crack. The reason why I am keen on it is mainly because the outside world does not know how much "money" is really flowing in it! And the benefits are so high.
In the private sector, this kind of behavior is often simply called "usury", but Xu Sanduo has always been disgusted by this term, and he has always declared to the outside world: "to provide comprehensive financial solutions, to create and share value with customers".
For a financial company like theirs, it not only provides external financing, but also invests abroad, and also makes loans according to the risk and the nature of the project, of course, in order to avoid policy risks, the business is split into different subsidiaries, but the team is still the same class.
Now the industrial investment limelight is tighter, temporarily put down, the secondary market is also very bad, global funds are flowing back to the United States, they have begun to have accounts in the world's major stock markets, but mainly do H shares and A shares, temporarily have no personnel and strength to do US stocks, the performance of the secondary market directly affects their PE and more upstream VC business, so now their main focus is on private lending.
Comprehensive capital solutions, for small and medium-sized enterprises that are extremely hungry for funds is a priceless treasure, especially in the triangle region, more than 90% of them are small and medium-sized enterprises, many enterprises themselves have insufficient cash flow, and lack of bank borrowing channels, if there is no private financial support, I am afraid that many will have to go bankrupt! Now is the era when cash is king, enterprises have cash, in order to survive, in order to have the opportunity to become bigger, the charge is high, it is natural, and it is normal.
Similarly, in order to avoid policy risks, the bank generally adopts a comprehensive fee method combining interest and management expenses for enterprise lending, and most of the costs of enterprises are included in various expenses. If it is further refined, it can also be broken down into management expenses, consultant fees, and so on.
They are from equity investment, although they do not seek control of each investment, and they usually never check the operation of the shareholding enterprises, but appropriate supervision is still required, even if it is a loan customer, they also hope to some extent to provide help in some management systems, corporate culture, etc., and jointly become bigger. As for personal business lending, they are even more cautious, and in many cases even turn corporate behavior into personal behavior.
Because of the company's changes, Lin Zhen has been very busy recently, and he hasn't contacted Wu Chen for a long time, and occasionally he has received messages from Wu Chen, although he doesn't scan in a hurry like before, and he often doesn't reply, but he really doesn't have time to look for him. Together with her best friend Xu Jing, she called several times to complain or see no one dead or a corpse!
She smiled bitterly, finished sorting out the materials, followed Xu Sanduo to accompany the customer for dinner, and rushed to a secluded teahouse in Pearl River Park to make an appointment with another customer.
This customer is also a Chaoshan person, surnamed Ou, his father is also a rich man in his hometown county, and many real estate projects are developed by them, and he comes out to develop it himself. It is also active in the circle, often picking up in the old countryside of Guangfu, this time I want to open a club in the racecourse, the funds are a little tight, find Xu Sanduo for their financing, as for whether it is a partnership or a loan, you have to wait for both sides to evaluate each other, before you can decide on the plan.
Looking at the several big men drinking tea talking and laughing, Lin Zhen couldn't help but think to himself that if he also had a certain amount of personal funds and participated in this circle, he would not waste these resources in vain.
It's a pity! I don't know what Lu Dao is for, she thought of Wu Chen, if he had start-up capital, I believe he would do better than these men in front of him, right?!