"You can say the same thing." Su Yu replied, "The renewal of the loan of 'Yichuang Planning' was bank card, and the loans of other banks will definitely not be approved in the short term, according to the original demarcated period, Li Huiyuan will definitely not be able to pay it back, I will do this...... It can be regarded as saving you the cost of debt collection. ”

"And ......"

"If it is postponed, it will expire in half a month, and Li Huiyuan will still not be able to pay it."

"This debt has been transferred to me, and you will not lose it."

"Isn't that why I'm not working for you?"

Mr. Qian was stunned, thought for a long time, and didn't come up with a reason to refute it, and replied: "Brother Su, I have to say, you are really good, you are really good at stock trading, and you are also good at negotiation, okay...... Even if I owe you the old money, the next time I have the chance, I will pay you back, okay...... The stock market is also closed, and I still have a meeting to start, so I won't talk to you more. ”

"Good!" Su Yu answered and hung up the phone.

Subsequently, Su Yu immediately called Li Huiyuan back, saying that he had helped him extend the loan for half a month, and hoped that he could repay it on time.

Li Huiyuan simply expressed his gratitude to Su Yu and said that he would definitely raise money to pay it back as soon as possible.

That's when he hung up.

"Huiyuan, you do this...... Isn't it too much? When Li Huiyuan hung up the phone, Zhou Yang, the vice president of the 'Yichuang Planning' company, did not have the slightest relaxed look on his face, looked at his friend and partner of the company, and said privately, "50% of the shares, once we don't pay the money after half a month, the company will change hands, and your years of struggle will come to naught."

Li Huiyuan holds 85% of the shares, he holds 12%, and 3% of the shares, which are in the hands of several core technical backbones of the company.

And according to this shareholding ratio of each party.

Once Li Huiyuan loses 50% of the company's shares, the actual controller of the company will naturally change.

"We tried to contact Mr. Qian before, and we also talked to the general manager of the loan company." Li Huiyuan replied, "What is the result, Lao Zhou, you have also seen it, there is no way to beg for it, even if I press all the company shares in my hand, people don't look down on it, just want us to repay the loan on time, and once it can't be repaid, the people of the loan company will inevitably come to make trouble, our company's business is now at a critical juncture, and we are currently talking about the cooperation of several brands. ”

"I know that, I just think...... You're too adventurous. Zhou Yang frowned and said.

If it weren't for them and the loan company and Mr. Qian, they really couldn't get along, they couldn't find room for relaxation, and they wouldn't have 'died as a live horse doctor' through Shi Yuling and found Su Yu.

It's just that the result is ......

It was a bit of a surprise to them.

"I originally thought that this young man surnamed Su was easy to deal with, and as long as he gave some benefits, he could help us do things." Li Huiyuan said, "Judging from the results, we still underestimated this person. ”

"Sure enough, the people who can blend into the core business circles of Yuhang will not be simple people."

"Using 50% of the company's shares as a bargaining chip for credit gambling, in exchange for half a month's time, the risk is there, but it is not big."

"First of all, our bank loan is not rejected, but because of the recent loan cycle, the funds have not been in place for the time being, but with the delay of time, it can finally be put down."

"Secondly, haven't any investment institutions approached us before?"

"According to their requirements, if the bank loan is still not able to be put down when it is about to expire, we can also seek their help, pull investment institutions in, borrow their investment funds, and redeem 50% of the company's shares in the credit VAM."

"After all, we didn't plan to bring in institutions and dilute our shares, but it's not that we can't."

"If it really comes to the point where there is no choice, then naturally we can only choose to introduce institutions to break the game, at least the cost of failing to gamble on credit is still smaller."

"In addition, there are about 10 days left, and some of the project funds of 'Yimei Clothing', as well as the project funds of several other small brands, should also be returned, which can also reduce a lot of our financial pressure."

"Also, during this time, we can borrow some funds from other business partners."

"Generally speaking, there are still many channels for us to raise money, and the foreseeable funding gap is not very large."

"And the only thing we lack is time."

"In the first half of the month, we were lax, but we didn't expect the bank to renew the loan funds, which could not be put down, so it caused today's predicament, but now we have prepared and full psychological expectations, under so many fundraising channels, I believe that there should be no problem with the 11 million in half a month."

"And as long as we can pay it back, this credit gambling agreement will not do us any harm."

"I think it's risky anyway." Zhou Yang still didn't agree with Li Huiyuan's words, sighed lightly, and said.

Li Huiyuan rubbed his temples, smiled a little tiredly, and said: "Let's start a business, there can't be a risk-free development path, sometimes when faced with a choice, we can only choose the option with a slightly smaller cost and a slightly lower risk." ”

"...... than the consequences of outright default"

"Doing so is a compromise solution to solve the risk lag."

"Although we know that this surnamed Su is also a robbery, but at this moment, in addition, we don't have much bargaining capital."

"Okay, Lao Zhou, this matter is over, so I won't mention it for the time being."

"In the next few days, you have to run to the bank and urge some bank credit managers, or branch presidents, that we can talk to, to let the loan funds be put down as soon as possible."

"Also, Tianhe Investment Agency, you can also contact it."

"Let's see how willing and valued by their institutions to invest in us. If we can finance 15% of the shares and get seven or eight million funds, then even if the bank loan cannot be put down, we can solve our predicament. ”

"There are also Mr. Sun and Mr. Wang of 'Yimei Clothing', as well as Mr. Tian of 'Yalan Clothing Sales Company' and Mr. Gao of 'Ailing Department Store'...... These bosses who have a good relationship with our company, you have also made an appointment for me these days to see if you can get some financial support from them. ”

"In any case, in the next half month, we can no longer take it lightly."

"We can't put our hopes on a funding channel anymore."

"Okay, Mr. Li!" Zhou Yang answered, and then left.

After Zhou Yang left, Li Huiyuan was silent for a while, then turned his head and called the company's graphic model business director, and instructed: "Director Fu, Xiaoshi, this girl, still have to take more care, the project of the 'Ailing Department Store' online mall, or she is the leader, and the rest ...... You are also more coordinated, coordinated. ”

In the case that the company has not yet gotten rid of the financial predicament and has not raised cash for repayment.

Shi Yuling is the only bargaining chip in his hand that can also negotiate conditions with Su Yu.

Therefore, even though Li Huiyuan was very uncomfortable with Su Yu's way of using credit to gamble and help them solve the problem of bridge loan extension, but in the future, once the company's situation deteriorates and falls into a desperate situation, the two of them still have room to turn around and negotiate, so they can only continue to use the company's resources to support this girl and take care of this bargaining chip.

"Okay, Mr. Li." Director Fu responded.

Then, after Li Huiyuan gave some more work tasks, he left the office.

Li Huiyuan saw the other party leaving, lay on the chair, closed his eyes and rested for a while, sorted out his thoughts, and then resumed work and made an appointment with his business partner in the evening.

And during this period, Su Yu has returned home.

It was past 5:30 p.m., he turned on the computer and looked at the closing results and today's Dragon and Tiger list data.

I saw that the three major indexes of the Shanghai Index, the Shenzhen Index and the ChiNext Index continued to fall by more than 1% today after yesterday's sharp fall.

On the data of the dragon and tiger list of the Shanghai Iron and Steel Federation, today is a gathering of bigwigs.

Yitian Road in Shenzhen, Sangtian Road in Mingzhou, Songjiang Road in Shanghai, and Laodong Road in Huzhou have been on the main buying list.

"The amount of purchases by each company is relatively balanced, and there is no monopoly situation." Su Yu stared at the data of the Dragon and Tiger List and said secretly, "In this way, if the market trend and market sentiment do not improve tomorrow, then the pressure on the Shanghai Ganglian Seventh Board is not too great." ”

In his opinion, the sentiment of the Shanghai Ganglian is relatively consistent today, and there are still some deficiencies in changing hands.

In this case, if there is a dominant situation on the Dragon and Tiger list, the follow-up relay funds will definitely give rise to more concerns.

After all, with the repeated refresh of the board space, the risk is also increasing day by day.

And the upward momentum of the stock price, the fundamentals will gradually give way to the emotional side at this time.

Under the influence of the emotional side, if a dominant situation is formed, the risk of the relay being smashed will also increase rapidly, thereby restricting the willingness of market funds to relay.

When the willingness of market funds to continue the relay is weakened.

Then, the emotional side will naturally collapse, and the upward momentum of the stock price will be completely lost.

Therefore, the relay of the general high-level risk board, usually in the end, is done by the joint efforts of funds, and there is not much of a monopoly, continuous control, but also so that many main funds in the market can accept, and continue to lift the sedan chair, and no one can accurately predict which step the stock price can go to the end.

After a brief review of the data of the Dragon and Tiger List, Su Yu is planning to set his sights on major stock trading forums and financial information websites.

At that moment, his phone rang again.

Su Yu picked up the mobile phone on the table and glanced at it, and saw that it was the bank's phone, so he answered it without hesitation.

After connecting, he found out that it was another bank wealth management manager who promoted bank wealth management products and large deposits.

"Within two days, there was an eighth phone call."

Su Yu frowned slightly, and wanted to block the bank's number as well, and said secretly: "Is the bank already 'short of money' to such a point?" ”

He knows that due to the first half of the year, various financial institutions, including many economic and financial experts.

Both predict that domestic monetary policy will continue to be accommodative, and the central bank is predicted to continue to release liquidity to stimulate the economy to achieve the GDP growth target.

As a result, financial institutions, in the first few months, have added new loans to release the money supply.

As a result, after the increase in loans and money supply in the first quarter exceeded expectations, and the total amount reached 42% of last year's expected increase for the whole of this year, the interest rate and reserve ratio cuts expected by many financial institutions in the market did not come.

In addition, in April, the Federal Reserve decided to withdraw from the QE program, and monetary policy gradually shifted to tightening.

The money supply in the domestic market is gradually tightening.

However, what is surprising is that in the face of the obvious tightening of the domestic money supply, the central bank still sits firmly in the Diaoyutai and does not issue any signal to release liquidity.

So, in this situation......

Financial institutions, after misjudging the direction of the central bank's monetary policy and releasing too much money supply in the first quarter, finally had to tighten monetary policy, forced to shrink funds, and curb the incremental issuance of new loans in the market.

Then, in the past few years, in order to circumvent the central bank's control over the liquidity of savings funds, banks have added a lot of off-balance sheet assets, so as to use these off-balance sheet assets and funds to invest and expand, resulting in a serious contraction of their on-balance sheet capital reserves, and it is difficult to prevent the sharp turn in the macro environment of the money supply in the market, which has naturally caused a 'money shortage' in the entire domestic banking industry.

In May, banks faced an internal 'money shortage'.

Also slightly disguised.

While tightening the approval and issuance of new loans, while expecting the central mother to save herself, she also gave the internal credit department and savings department a desperate task to frantically absorb savings to cope with the 'internal money shortage' crisis.

But when the time enters June......

The banks found that the central mother seemed to be determined to tighten liquidity this time, solve the problem of excess liquidity in the market for a long time, and suppress domestic inflation.

As a result, the problem of 'internal money shortage' that was originally hidden under the surface of the banking industry.

It seems to have begun to surface gradually.

And everyone, no longer paying attention to face, began to cut the number of new loans more frantically, and attracted all kinds of customer deposits.

Although Su Yu didn't know how tense the internal capital problems in the banking industry had been, the number of calls he had received in the past two days was already mediocre.

Thinking about it, Su Yu hurriedly checked the overnight repo rate and interbank lending rate of the banking industry.

I saw that these two major indicators have risen a lot compared with last month, and the overnight repo rate has broken through the red line of 3.75%.

"It seems...... The crisis is indeed approaching. ”

Su Yu said secretly, and after checking the key interest rate indicators, he searched for the information on the major savings and new loans of banks in recent times across the country.

It was found that there are countless enterprises that have complained about the difficulty of loan approval in the past month or so.

In the past half month, there are even fewer companies that can receive loan funds.

In addition, due to the forced tightening of the banking industry, the 'money shortage' effect has intensified, and the major financial institutions and private lending institutions in the market have been run on by enterprises and individuals with urgent financing needs, and there has also been a shortage of funds.

Among them, Su Yu learned from network information.

On the official websites of many financing institutions in Yuhang, an announcement has been made to suspend the review of financing projects, although no specific reasons have been given.

But Su Yu guessed that there should be no money.

According to his historical memory, in this wave of money shortage, the central bank did not symbolically release 300 billion liquidity until July, when it saw that the market liquidity risk was fully highlighted.

Therefore, Su Yu predicts that throughout June, domestic financial institutions, and even the entire financial market.

It should be shrouded in the shadow of 'money shortage'.

Of course, if the market is short of money and banks shrink their off-balance sheet assets and withdraw their off-balance sheet investments, then the stock market will naturally not be better.

After sorting out the logic and ideas, Su Yu rubbed his eyes and called Li Meng, who had already arrived downstairs in the community, to bring him a takeaway.

Then, the eyes converged on the computer screen again.

"Su Yu, are you out of the Shanghai Ganglian today?" When Su Yu continued to browse domestic and foreign financial information, on his chat software, Wang Can sent him a message, "This stock is really strong, six boards, and looking at today's Dragon and Tiger List, Fortune Road and Fusheng Road, this stock of funds is still locked up, which is really good." ”

"Nope." Su Yu replied lightly, "I went out today, and I didn't look at the market, so I didn't have time to come out." ”

Wang Can heard that Su Yu was holding the Shanghai Iron and Steel Federation, and he couldn't help but look at the market, and praised: "Amazing, I can't help it, the situation in the market today is very bad, I took profit, but anyway...... This check is also the stock I have earned the most in the past two months. ”

"It's good to make money." Su Yu replied, "As long as you have to make money, no matter when you appear, it's right." ”

"That's right." Wang Can responded with a smile, paused, and said, "After you resigned, you didn't think about the next unit, and I was ready to go to Yuhang to find a job. ”

"Are you ripe?" Su Yu asked.

Wang Can replied: "Yes, I will come back after graduation." ”

"Then you know ......" Su Yu paused, "Do you know Teacher Yao, who used to teach accounting in our school?" I've heard she's maturing too. ”

"Yes!" Wang Can said, "Su Yu, you won't be thinking about Teacher Yao for so long, right?" ”

Su Yu was speechless for a while, and replied: "Where do you want to go, I just have something to do with Teacher Yao, so I've been asking about her current situation, do you understand?" ”

He thought that since Wang Can was growing up, he also knew Teacher Yao.

Then, in a small place, even if the two of them can't meet, it should still be possible to hear about it occasionally for such a long time.

In Su Yu's memory, he only remembered that Teacher Yao was growing up and roughly remembered the name of the company she worked for, but he didn't know what the specific situation of the other party was, the situation, and the recent situation, after all, even before he was reborn, he just happened to meet the other party in the process of a business trip, and he never knew about the other party in detail.

"Hey......

Wang Can laughed at Su Yu's inquiry and replied: "I have long heard that when you were in college, you had a crush on Teacher Yao from our school, so you fell in love with her class...... It's been almost four years, and you won't forget it, right? ”

"Can you talk well?" Su Yu said depressedly, "Do you believe this kind of illusory thing?" ”

Wang Can replied: "Looking at your situation, I have to believe it, but ...... Anyway, since you asked, I really know the current situation of Teacher Yao, and I know that she is divorced, has a daughter, and lives alone. ”

"Have you seen her?" Seeing that he said it in such detail, Su Yu couldn't help but ask.

"I've seen it more than I have seen." Wang Can replied, "We live in a community, and the place where we work is not far away, but ......."

PS: There is another chapter, it will be late, it is estimated that it will be after 11 o'clock.