In fact, in a sense, such an ending is the best outcome for a win-win situation.

It's just that Li Huiyuan definitely didn't dare to hand over his hole cards when Su Yu held the 50% share equity transfer agreement, so as to bet on Su Yu's sympathy, or explain to Su Yu that this was the perfect choice.

After all, human greed is always endless.

He didn't have the slightest confidence, and he dared to be sure that Su Yu would not fall into the trap if he knew that he couldn't repay the loan at all and would inevitably be overdue, and directly entered the 'Yichuang Plan' to seize the fruits of his hard work for six years.

"Mr. Li is polite!" Su Yu said with a smile, "Under your leadership, after going through this ordeal, 'Yichuang Planning' will definitely be able to create brilliance soon, of course...... I also believe that today's investment of 5 million will definitely become 50 million, or even 500 million, in the future. ”

In the negotiations, the two turned each other's interests from differences to agreement.

The subsequent conversation became much more harmonious.

After that, at about 8:40, the two of them were full of wine and food, and then they walked out of the private room of the hotel with a smile and a conversation with each other.

"Mr. Su, I'll ask the assistant to send you back first!"

After the assistant paid the bill, Li Huiyuan stood outside the private room of the hotel and said to Su Yu with a smile: "You have also drunk a lot of alcohol, it should be inconvenient to drive." ”

"No need, I'll just take a taxi back." Su Yu responded.

Then he was about to leave the hotel, when a young man came out of another private room and suddenly stumbled into him.

Su Yu looked at this person's reckless appearance, frowned slightly, and was about to reprimand two sentences.

Suddenly seeing the other party's appearance, I couldn't help but be slightly stunned.

And the man, after seeing Su Yu, was also stunned in place: "Su ...... Brother Sue? ”

"Brother Huang Yu?" Su Yu stared at him for a moment, and then looked through him and saw the private room he had just come out of, only to see a few middle-aged men and a few young women gathered inside, and couldn't help asking, "Your department party?" Still is...... Business wine? ”

"Business wine!" Huang Yu tried his best to pull out a smile, "What about Brother Su?" ”

"I'll talk to Mr. Li about some business." Su Yu pouted.

Hearing Su Yu's words, Huang Yu noticed Li Huiyuan next to Su Yu this time.

Last time Shi Yuling celebrated his birthday, Huang Yu had seen Li Huiyuan, and knew that this person was the boss of his girlfriend's sister, who was worth a lot of money, and at worst he should be a multimillionaire.

So after a short period of sluggishness, he couldn't help but hurriedly stretched out his hand and greeted Li Huiyuan.

"Mr. Li, hello, I am the account manager of the wealth management business department of Qianjiang Bank, my name is Huang Yu, and I hope to have the opportunity to cooperate with Mr. Li in the future." Huang Yu said with a smile.

Li Huiyuan glanced at him, and didn't want to pay attention to him.

But for the sake of Su Yu's face, he finally hesitated for a while, and shook hands with Huang Yu.

"Xiao Huang, are you alright?" In Huang Yu's business room, a middle-aged man's voice came from the private room, "Mr. Lu is still waiting for you to drink, you owe three more glasses!" ”

"Right away, right away......"

Huang Yu responded, looked at Su Yu with some apologies, and said, "Brother Su, I'm really sorry, next time...... Next time, I'll treat you to dinner. ”

"It's fine." Su Yu chuckled, "You go and get busy with yours!" ”

Huang Yu saw that Su Yu didn't care, nodded, didn't go to the toilet, and turned around directly and prepared to return to the private room to continue to accompany customers.

At this time, the middle-aged man who had been urging in the private room suddenly poked his head out of the private room.

He glanced outside, grabbed Huang Yu, and was about to drag the other party back to the wine table, when he suddenly saw Su Yu's face, quickly stopped, stared at Su Yu in great surprise, quickly stretched out his somewhat greasy hand, and happily greeted Su Yu: "Mr. Su, I really didn't expect you to be here." ”

"You ......"

Su Yu looked at the somewhat greasy middle-aged man in front of him with some disgust, and asked in confusion.

"I am the director of the wealth management customer department of Qianjiang Bank, and my surname is Wang ......," the middle-aged man hurriedly replied, "We met at Mr. Qian's dinner party. ”

"Oh, it turned out to be Director Wang." Su Yu pretended to be surprised and shook his hand.

In fact, I don't have any impression in my heart.

"It's better to invite than to meet by chance." Director Wang said, "Can Mr. Su have a drink?" ”

"I don't know how to drink." Su Yu smiled and refused, "If Director Wang doesn't mind, you can invite me to tea next time." ”

"That'...... Then next time I'll ask Mr. Su. Director Wang was rejected by Su Yu and smiled awkwardly, and then pulled Huang Yu back in.

After Su Yu saw Huang Yu enter, he smiled at the middle-aged man sitting in the main seat, and then looked up at three glasses of white wine in a row, and couldn't help but sigh softly.

"The bank's wealth management customer department and the credit department are really two worlds!"

While Su Yu sighed, Li Huiyuan also saw the situation in the private room, and said with emotion: "Recently, all kinds of things between banking institutions are really abnormal. ”

Su Yu glanced at it and said with a smile: "Even Mr. Li feels abnormal?" ”

"In previous years, loans have never been so difficult to approve." Li Huiyuan said, "As far as I know, in previous years, the bank's wealth management and savings departments have never been so grandson-like." ”

"Current events have changed, the situation has changed!" Su Yu said, "It's not strange. ”

Su Yu predicts that the bank money shortage crisis at this time has just shown its face, and the central bank has been stable and does not release water, and I am afraid that the difficult ones are still to come.

However, the crisis ......

For him, who has a lot of cash in hand, not only does it have no impact, but it is an excellent investment opportunity.

The two walked out of the hotel chatting, and then, at Li Huiyuan's insistence, his assistant finally sent Su Yu home first.

"Looking at your expression, the result of the negotiation should be very good?"

When Su Yu returned home, Li Meng saw him with a smile on his face and couldn't help asking.

"Fortunately, it's a win-win situation!" Su Yu said with a smile, "With 5 million, I will win 20% of the shares of 'Yichuang Planning', and I will not suffer a loss." ”

"Congratulations!" Li Meng also said happily.

Su Yu nodded and asked, "What about you, how is the company's preparations, can it open on the 20th?" ”

"No problem." Li Meng said, "At present, all the office equipment and personnel arrangements have been in place, and all the filing work, fund custody, and operation seats of our company's initial new fund have also been prepared. ”

"Okay, I'll let the customers know." Su Yu said, "You should also try to release the news as much as possible." ”

"I, Liang Bin, and Manager Yu...... It's already being posted. Li Meng said, "I have a hunch that on the 20th, our company will definitely be overcrowded." ”

Gu Yan

Su Yu said with a smile: "Don't have too high expectations, at this point in time, the market capital is tightening, and the recent trend of the market is also quite ugly, although my seat is still a little influential, but at this juncture, there will not be too many customers who dare to hand over funds to us to take care of." ”

"However, if you raise one or two hundred million, it shouldn't be a big problem."

"Oh, by the way, also, on the law firm's side, the contract for the fund's subscription rules has come out, right?"

Li Meng nodded and said, "It came out this afternoon, I'll show you the first version, if you want to change it, it's still too late." ”

With that, Li Meng returned to the bedroom and handed a printed purchase contract to Su Yu.

In the contract, there is the record number of the fund, and there are also important management terms formulated after discussion, such as the free subscription and redemption period of the fund, the lock-up period of investment, and the management fee collection method of the fund, and the profit sharing collection method that is higher than the basic net value......

Except, of course, on these.

There are also the obligations and rights of both ordinary investors and institutions formulated by law firms in accordance with the laws and regulations of the fund industry.

Su Yu took the contract and read it all the way.

I saw that the important terms were marked with bold and eye-catching fonts:

The free subscription and redemption period of the fund is one week after the net value of each period is settled, during which investors can freely subscribe or choose to redeem the investment shares, and in addition to this open time, the other time is in the closed period, cannot be subscribed or redeemed, and the minimum net value settlement period is one year.

The fund management fee is charged in a tiered manner according to the net value settlement result.

That is, if the annual net value of the fund is less than 1, that is, the fund has a loss, the management fee will be waived; If the annual net value of the fund is greater than 1 and less than 1.2, that is, the annual profit is less than 20% and there is no loss, a management fee of 2% will be charged; If the annual net value of the fund is greater than or equal to 1.2 and less than 1.5, a management fee of 3% will be charged; If the annual net value of the fund is greater than or equal to 1.5, a management fee of 4% will be charged.

And when the annual net value of the fund is greater than 1.5.

In addition to the 4% fund management fee, a 30% profit share will be charged after the annual net value of the fund is greater than 1.5.

When the annual net value of the fund is greater than 2.

After more than 100% of the fund's excess profits, the fund management company will charge 50% of the profit share.

"Do you have any comments?" Su Yu finished reading the contract sorted out by the law firm and didn't find any problems, so he turned his head and asked Li Meng.

"Regarding the annual net value loss of the fund, the management fee will be exempted......"

Li Meng paused and said: "Is it possible to change it slightly, even if it charges 1% of the management fee, it is good, after all, China's stock market, the bull is short and the bear is long, the bear market is in the vast majority of the time, and countless private equity funds and institutions on the market are basically difficult to make a profit in the bear market." ”

"I'm afraid there is no support from the basic management fee."

"In the future, the fund managed by the company, once it falls into a bear market loss state, our company may be difficult to survive."

"And this kind of clause, once formulated, has a start, and it will not be easy to change it in the future."

Su Yu looked at Li Meng with a smile and said: "Your suggestion has some truth, but I think that there is no need for a fund company that cannot bring profits and wealth to investors, but only thinks about doing large-scale effects, making a fortune by charging management fees, and deceiving investors." ”

"If, one day ......"

"Yuhang Investment, under such rules, has become a company that cannot make a profit."

"Then I won't hesitate to let it go out of business."

"Li Meng, investment, whether it is for your own financial management, or for customer financial management, whether it is a tour capital, or a fund manager, the pattern can not be limited to a few points of profit and fund management fees."

"The one-year closure period is not short."

"If a fund can't keep its net value above a positive value for a year, will the fund manager who manages the fund, and even the fund company, still have the face to charge management fees? Investors lose money, and as a result, investors continue to pay to subsidize fund managers and companies that lose money. ”

"This investor can't scold his mother in his heart?"

"So...... In the long run, as a private equity fund, who will subscribe? ”

"Okay!" Li Meng was persuaded by Su Yu's words and responded, "You say so, it makes sense, think about it carefully, using this rule can still attract many investors and hand over the money to us to take care of, after all, the net value is lost, and no management fees are charged, which is equivalent to tying the company's survival and future to the interests of investors." ”

"Hmm!" Su Yu nodded, paused for a moment, and then asked, "Teacher Yao, He Qian, Wang Can...... They should all already be in Yuhang, right? Tomorrow, I plan to gather everyone for a meal, and everyone will get to know each other, get acquainted with each other, and by the way, do a mobilization. ”

"Originally...... It should be arranged by Director Qin. ”

"But he shouldn't be as familiar with the company's personnel as you now, so he can only trouble Li Meng to arrange it."

"Okay, no problem, I'll let you know." Li Meng smiled and said, "Tomorrow at noon, the hotel will be booked in ...... Mr. Qian's Crown Hotel, just to increase his business, after all, I haven't paid it back yet. ”

"Then you're a fake public servant!" Su Yu laughed.

Li Meng chuckled lightly and replied: "You boss Su, you don't look like a person who is short of thousands or tens of thousands of dollars now, or ...... You book the hotel yourself. ”

"Forget it!" Su Yu waved his hand, "Mr. Qian is a good person, so let's book it at the Crown Hotel." ”

"Oh, by the way, our business group hasn't been established yet?" Su Yu paused and said again, "It will be much more convenient to set up a group and notify everyone in the future." ”

"I'll pull the group." Li Meng said, "But in the future, the administrator of the group will have to let Manager Zhu be the administrator." ”

Saying that, Li Meng immediately turned on the computer, set up a chat group, and then pulled Su Yu and He Qian in, and then Su Yu pulled Wang Can, Qin Haowen, Liang Bin, and Teacher Yao, He Qian pulled the friend she dug from the original company, and finally Qin Haowen pulled all the personnel of the company recruited by him.

In the end, Su Yu summed it up and found that the current number of people in the company totaled 23.

Among them, there are 5 people in the fund business department, he, Li Meng, Wang Can, Yu Xiaobing, and a customer salesman brought by Yu Xiaobing.

There are 3 people in the venture capital department, Liang Bin, He Qian, and He Qian's friend An Xiaoya.

There are 2 people in the human resources department, Qin Haowen, and a young man he recruited who is responsible for the recruitment of the company's basic personnel.

There are 5 people in the company's operation department, manager Zhu Huirong, and 4 young people she brought over.

There is 1 person in the market intelligence department, only Lin Antu, Qin Haowen was going to recruit a few grassroots personnel who can run errands for Lin Antu, but Lin Antu said that the people who can collect market intelligence must be checked by him, so he rejected Qin Haowen's kindness, and waited for the company to officially open, and slowly selected.

There are 4 people in the company's administrative department, two of whom were brought in by Gao Wei, the administrative director recruited by Qin Haowen, and 2 people are the company's front desk and Su Yu's office assistants recruited by Qin Haowen.

1 person in the company's finance department, Mr. Yao just arrived in Yuhang, and only settled down, so naturally he didn't have time to recruit his own team, and Qin Haowen asked about the recruitment of financial personnel, I don't know whether it was intentional or unintentional, anyway, it was temporarily avoided and did not mention it to Su Yu.

There is 1 person in the company's network technology department, and Su Yu originally planned to omit this department, but Qin Haowen felt that it was better to keep one person, so as not to have an emergency in the transaction, and it would be a big deal, anyway, raising such a person would not increase the company's financial cost much.

There is another person, and that is the company's legal counsel.

Originally, Su Yu planned to set up a special legal affairs department, but Qin Haowen felt that the company was just starting out at this time, and there would be very few affairs in this area, and it would be okay to have a legal counsel and a designated law firm as a cooperative relationship, and there was no need to raise a separate legal team at this time.

Seeing the 23 people gathered in the group, the company's team took shape.

Although it has not yet opened, and the money in the company's account has flowed out like water, millions of dollars, Su Yu is still very happy in his heart and full of hope for the future.