Ding Liang's question made Xu Xiaoai think about it seriously: "I think it's okay to put a little less, just like a certain letter's wallet, it may be safer." But I also hope that idle funds will not be wasted, and it would be better if there was a little profit. ”..

"So you have to first find investors who are willing to put their money in it, and then find merchants who are willing to cooperate with you, and they use your wallet for consumption in the early stage, can they still get a discount?"

Xu Xiaoai had a bitter face: "It may be a little difficult to get a discount." They don't even want to join now, wouldn't it be even more of a loss to let them discount it? ”

Ding Liang patted the table and said to Xu Xiaoai: "So your biggest problem now is that you can't be satisfied with the funding side, and you can't handle the asset side, so I'll give you a conclusion about this matter, that is, do it!" No! Yes! ”

After Ding Liang finished speaking, he patted his ass and walked away, leaving Xu Xiaoai alone and depressed.

Xu Xiaoai fiddled with the pen in her hand and drew all over the white paper, but she didn't come up with a good solution.

At this moment, Chu Yu's phone came: "Xiao Ai, where did you put our family's money?" Do you need me to help you with something? ”

Xu Xiaoai then remembered that she still had a Chu Yu card in her wallet, but there were tens of millions of them in it, and she had an idea, could she take out a little bit to be the first person to eat crabs in the consumer trust?

Xu Xiaoai took this card and ran to Lu Liang and told him to buy a new product, Lu Liang agreed: "Now there is a better real estate project, and the yield is relatively high, or buy that." ”

"Okay, I'll listen to you, but there is one condition, you have to help me find a way to make a consumer trust."

Lu Liang glanced at Xu Xiaoai: "I know that your consumer trust, the vision is good, but there is no possibility of realization." What you're doing is actually the same as a big platform, bringing the two ends together, but you have to have benefits at both ends for them to be willing to do it. ”

"I know this, the capital side has to increase the rate of return, can't let his money have a limit, and can make the funds guaranteed, I think this can still be solved, but the asset side is more difficult, first of all, no merchants are willing to add in, and secondly, after these merchants are added, they are not willing to discount, what method can I use to attract them in?"

Lu Liang continued to analyze Xu Xiaoai: "These are all businessmen, he either wants to be famous, or he is not profitable, if you can't give him benefits, then you have to find a way to give him a name, if it is something that makes him famous, maybe he is willing to cooperate with you." ”

Xu Xiaoai seems to have some ideas after Lu Liang's selection, if after the establishment of this single consumer trust, these merchants can improve their reputation and attract more customers, then they must be willing, even if they are discounted, they may be able to make money.

But this is a trust structure, how can we increase the visibility of merchants?

Xu Xiaoai figured it out, but she didn't come up with a way, she and Chu Yu sent a message to tell him that they were going to help him buy a real estate trust with all the money.

Chu Yu said whatever, as long as you don't take the same risk as last time.

Xu Xiaoai swore that this was their company's project, the risk control was very strict, and there would be no risk, and the most important thing was that the collateral of this project was in the main urban area, and there was no need to worry too much about the project.

Later, Xu Xiaoai also mentioned it to Chu Yu, and was ready to let him keep 10,000 yuan to support her to set up a new project, which can be used for daily consumption.

Chu Yu didn't have any opinions, just toss her around. Error-free updates @

In this way, Xu Xiaoai found the first fund of the consumer trust, but it can't be like this, the 10,000 yuan is stored in the trust account, when can it be spent? Other investors are not like Chu Yu, for people like him who only need current interest, they can put it anywhere.

"Xiao Ai, how is your project? I heard you talk about it last time, you can get a discount at the merchant, right? Mr. Cao, who was in human resources, met Xu Xiaoai in the corridor and pulled her to ask cordially.

Xu Xiaoai felt very embarrassed: "Mr. Cao, this project is still being explored, it is not so smooth, many merchants are reluctant to take it in, and now it seems that we have fallen into a bottleneck and cannot find a way to solve it." ”

。

"Oh, the development of new projects is like this, but it is not easy to have your momentum to move forward, you no longer have to ask peers to ask them, and then see if the bank has done similar projects, on the basis of the predecessors may be able to better innovate."

Mr. Cao is worthy of being an old trustee, and she also reminded Xu Xiaoai that even if no one in the industry has ever done consumer trust, there should be similar business in the entire financial system, right?

She took Lu Shanshan directly to Chase Bank to find out the situation from Lin Hao in their investment banking department, and sure enough, Lin Hao gave her an idea: "We used to do capital supervision in the bank and the real estate bureau, is that what you said?" ”

Xu Xiaoai came back and looked up the corresponding documents on the Internet, and sure enough, he found that the capital supervision of the real estate company is a relatively mature model, which is the main business promoted by the housing management department, and the requirements are to safeguard the rights and interests of buyers and prevent the project company from misappropriating funds, so the document stipulates that the project company of the real estate company must have the supervision of pre-sale funds when selling the house, that is to say, after the investor signs the purchase contract with the real estate company, his down payment, mortgage and deposit, It has to be transferred to this regulatory account prescribed by the government.

Xu Xiaoai thought about it for a while, when her mother bought the house, it seemed that she did not call the supervision account, but to an account provided by the real estate development company itself, and they did not know whether that account was a supervision account.

The document clearly stipulates that there are two ways to monitor key funds and non-key funds, which means that within 1.3 times of the total price of the project, it is used as key funds, and the funds beyond this amount are non-key monitoring funds, and this part of the funds can be used to repay bank loans or for other project construction.

If the project company wants to use the funds for key construction, it must be gradually released within the scope of the original declared fund disbursement plan, so as to ensure the rights and interests of buyers to the greatest extent. _o_m

Lin Hao also introduced her to the account manager of a branch, and after consulting him, Xu Xiaoai learned that the original pre-sale funds were sometimes not fully implemented in accordance with the government's documents.

First of all, at the collection end, when the deposit is collected, there is no supervision account in the contract with the buyer, and the buyer does not know that the deposit should be paid to the supervision account.

Secondly, many development companies will take advantage of the time difference between the online signing and the down payment to sign online in batches, which also gives them a time to embezzle funds, and many of the mortgage cards in the back are also into the project company's own account rather than the government's supervision account.

In terms of the use of funds, it is even more outrageous, some banks in order to maintain the relationship between real estate companies, in order to meet the requirements of supervision, they often let customers move the money at the beginning of the month, and then put the money back at the end of the month, which is equivalent to a set of policies, countermeasures, and a set of yang and yin.

There are also plans for the use of funds that may be overused and not subject to particularly strict audits, so the escrow account may sometimes be useless.

After Xu Xiaoai figured out these things, she felt that the trust company had a lot to do in it.

Her original idea was to talk to these small merchants one by one, but now she thinks that a better way is to talk to the housing management department, if the housing management department supports the structure of the trust, then for him the merchant affairs do not need her to solve, the housing management department has a lot of real estate companies, they all want to sell houses, and the management of this pre-sale is similar to the consumer trust, which may not be completely called a consumer trust but an innovative service trust.

The more Xu Xiaoai thought about it, the more she had a way, she pulled Ding Liang and Lu Shanshan to make a report and submitted it to the company's middle office to demonstrate the feasibility of this matter.

After reading it, Mr. Wei, who was compliant, nodded again and again: "Xiao Ai, your idea is much more reliable than the previous one, but the difficulty is still the same, there is no problem from the perspective of compliance, but you have to find a way to get the real estate department done, there are several roles that the trust can play in it, for example, you can do a double trustee structure or a double settlor structure, or even a trust supervisor structure, this is okay." ”

Xu Xiaoai and Ms. Wei talked more and more, and she finally felt that the role of trust supervisor might be a little smoother, because it would not put too much pressure on the real estate department.

。

After all, the issuance of a policy ~ can not be promoted by a trust company, and she embeds the role of the trust company in it, but requires the real estate company to sign the custody agreement as a tripartite when signing the contract, so that only the next document of the housing management department requires them to adopt the structure of the trust, and then write the account in the contract as a trust account, and some of the later things will be straightened out.

The person in charge of the risk control department frowned: "You can think of this idea, but which real estate company do you think is willing to cooperate with you in this matter, they are all bosses, I don't believe you can go and communicate with the real estate department." ”

Xu Xiaoai had no choice but to go to the person in charge of the real estate department again, they had no objection to the design of the project, but they felt that it was difficult to talk to the housing management department about this matter, and the relevant government departments must come forward together, but as long as the housing management department agreed to this matter, the real estate company must have no objections, but in this way, the pressure on their capital supervision will be much greater. _o_m

Although she asked a circle of uncertainty, no matter what, Xu Xiaoai finally had some definite ideas and knew the direction to work towards, but it may not be her strong point to get the housing management department, she reported the overall plan to the president, and the president was very interested, but he said that he wanted to discuss with the people of the group, because only by relying on the strength of the group can it be possible to connect with the housing management department.

Xu Xiaoai has done what he should have done, and now he is waiting for the results of the communication between the president and the president.