"it!"

Su Yu saw the overnight repo rate and interbank lending rate that far exceeded the market risk line, although he knew in his mind that this scene would definitely erupt, but when this crisis really came, he couldn't help but feel the shock in his heart: "It's time to come, it's finally here." ”

Thinking about it, he swiped his finger across the phone screen and glanced at the missed call.

I saw that except for a phone call made by Lin Antu, the rest were calls from Huang Yu.

Of course, in addition to these missed calls, on the chat software, @他的信息也有几十条, mostly asked him about the impact of the bank's overnight repo rate surge on the domestic financial market, and even in the 'Yuhang No. 1' investor exchange group that was just established yesterday, there was some commotion at the moment.

Su Yu first glanced at the fund's investor exchange group, and saw that Li Meng was explaining to everyone that the fund had not yet started to build a position, and the impact was zero, and explained in detail the reasons for the shortage of money in the market, so as to reassure everyone not to panic, so he did not come forward to explain in person, and called Lin Antu back while getting up.

"Director Lin, what's the matter?" Su Yu asked.

Lin Antu replied on the phone: "Mr. Su should already know about the skyrocketing overnight interest rate and call rate of the bank, right?" I have just heard that Qianjiang Bank has no internal funds, and I am afraid that it will encounter a run on depositors and customers, which will lead to a serious crisis. ”

"Just ...... in the early hours of last night"

"I heard that the presidents of several of their branches have rushed to other banks in neighboring provinces and cities that have relatively abundant funds and can also carry out interbank lending, desperately raising funds."

"The staff of their bank's savings customer department are also fully deployed."

"I heard that the loan business has also been completely suspended."

"Of course, in addition to Qianjiang Bank, many local commercial banks across the country had the same problem last night."

"It is said that in the first quarter, these commercial banks desperately lent money, misjudging the central bank's decision to cut the reserve requirement ratio and increase the market's water release, which caused the 'money shortage situation' that many banks have no money to lend today."

"Okay, I got it!" Su Yu replied, "You continue to pay attention to the information in this regard, especially in some small banks with serious money shortages, if you find that there is a serious run on the bank, report it to me immediately, oh...... In addition, we can pay more attention to the internal development of Qianjiang Bank. ”

"Okay, Mr. Su." Lin Antu answered and hung up the phone.

Subsequently, Su Yu called Huang Yu back and asked him to wait for him at the entrance of the business department of their branch, and then went out of the house.

When he came to the business department of the branch where Huang Yu was, he saw that Huang Yu's face was full of anxious looks, there were many people waiting in line to handle business in the business department, bustling, although there was no scramble or panic, but there was obviously a little more tense atmosphere than usual.

Huang Yu saw Su Yu arrive and led him directly into the VIP customer area.

Then, with the help of the counter clerk, he opened an account and transferred 5 million funds from his original Huashang bank account.

"Brother Su, thank you so much!"

After finishing the business, Huang Yu's face relaxed, and he was very grateful.

Since yesterday, the task issued from the head office has fallen into the hands of each of their salesmen, and the basic savings task of 5 million within three days is a hard indicator, and if it can't be completed, then he can only leave, so he is so anxious, and it is indeed in no way, so he found Su Yu.

"You guys in the same line as you have all received the same task?" When Su Yu walked out of the sales department, he asked.

Huang Yu nodded and replied: "Not only us, but also the presidents of all branches, the investment and wealth management department, the savings customer department, including the various departments and groups directly facing depositors in the business department, have all received the task of stabilizing the existing capital flow in their hands, like Director Wang, who has already arrived in Qianzhou." ”

"Qianzhou?" Su Yu wondered.

"Hmm!" Huang Yu responded and continued, "I heard that the internal capital flow of a local commercial bank over there is still abundant and can lend funds on a large scale. ”

"Oh." Su Yu understood and continued to ask, "Is your bank's cash flow very tight now?" ”

After Su Yu had deposited funds and completed the index task for himself, Huang Yu no longer concealed some of the real internal situation of Qianjiang Bank, and said: "I am very nervous, but in fact, I ...... It's not just our bank's cash flow that is tight, but the vast majority of banks are very tight right now. ”

"Count......"

"Our bank began to tighten the issuance of loans in the middle of last month, which is already very optimistic."

"As far as I know, many banks that were still issuing new loans and expanding off-balance sheet assets in early June are really miserable at the moment."

"I don't know what's going on this time......"

"Before our director and governor said that the central bank will definitely cut the RRR in June, even if it does not cut the RRR, it will definitely release market liquidity through other means."

"But I didn't expect everyone to wait, wait, and the central bank, there is still no movement."

"Now, it should be the cash flow crisis of the entire banking market, which has been detonated, if the central bank liquidity release that everyone is waiting for has not come."

"I guess the situation will get worse later."

Su Yu listened to Huang Yu's words, and responded lightly, guessing that under the effect of the market shortage of money, the enterprises with urgent financing needs must be extremely uncomfortable at this moment, and the over-the-counter financing interest rate and private short-term lending interest rate must also be soaring, so ......

He said goodbye to Huang Yu briefly and immediately called Liang Bin.

"Liang Bin, the information of the three companies that you discussed with He Qian and An Xiaoya that need financing will be sent to me immediately." On the way home, Su Yu said urgently, "Also, call He Qian and An Xiaoya to the house, and we will immediately discuss which one has a very urgent financing need, and we can act immediately." ”

"Su Yu ......"

Liang Bin paused and said: "I, He Qian, and An Xiaoya have only preliminarily drawn up three projects that can be invested, but whether the project really has investment prospects, as well as its internal assets and financial data, needs to be further evaluated and verified, which will take time, and the current ......."

"Send me the information first." Su Yu said, "The market money shortage crisis broke out, regardless of the on-site and off-site financing interest rates have soared, in the current market, the financing channels of enterprises with slightly worse qualifications have been basically completely cut off, but all these phenomena, I can say for sure, are only temporary." ”

"As soon as the central bank's liquidity is released, the market's money shortage crisis will naturally be lifted."

"And before that, taking advantage of the absolute predicament of corporate financing, this is the perfect time for us to invest, because at this time, not only do we occupy the absolute initiative, we can reduce the market valuation of the enterprise to a level, reduce our investment risk, but also make the company grateful to us, feel that we are a charcoal in the snow."

"Got it!" Liang Bin had already understood what Su Yu said, and immediately sent the project information to Su Yu by email.

Subsequently, Su Yu returned home and told Li Meng that he had called Liang Bin, He Qian and An Xiaoya over.

Then you can turn on your computer and start downloading the file.

When he finished downloading all the files, opened them and browsed them roughly, at this time, Liang Bin, He Qian and An Xiaoya each held the laptops in their hands and had arrived at the door of the house.

Next, everyone sat down at the dining table in the living room and began to discuss the three preliminary investment projects.

Gu Zhen

These three investment projects were selected from the projects that He Qian and An Xiaoya had contacted and researched when they worked in Guangya Investment before.

Through preliminary research and evaluation.

The investment volume of these three investment projects is within 4 million.

"From the point of view of the urgency of financing needs, this 'new nanotechnology company' is the most urgent." He Qian said, "Because of their newly built product production lines, several short- and medium-term loans have been backlogged and matured in the last half month, and according to their qualifications and the current loan approval situation of various banks, it should be difficult for them to get an extension or a new loan amount." ”

"It can be analyzed from the financial situation and future prospects......

"Among the three investable projects selected by Xiaoya, Xiaoya, and Manager Liang, I think this company should be ranked last."

"Its main business is the production of lithium-ion batteries, although in a broad sense, it is still in the boom track of the 'smartphone industry chain', but the elasticity of performance and future development prospects is weaker than other core industry chain businesses."

"Of course, judging from the results of my preliminary investigation of this company by Xiaoya and me."

"Although the prospects and development space of the business are not particularly clear, we are very impressed with the management, and they say...... The core of their product route is not the field of smart phones, but the field of electric vehicles in the future, and they are already tackling key problems and developing power battery technology in this area. ”

"Electric vehicles, and the future of power batteries."

"Xiaoya and I don't understand it very well, and we don't dare to jump to conclusions, but from the initial contact, this is a very pragmatic company."

"New Nano Technology Co., Ltd." Su Yu looked at the information of this company, listened to He Qian's narration, remembered the wave of the times of new energy and electric vehicles in the future, and couldn't help but have a strong interest in this company, and turned his head to the other two people and asked, "What do you think?" ”

"New Nano Technology Co., Ltd. is an asset-heavy manufacturing company." Liang Bin said, "In the field of smart phones, although it is currently in a high boom stage, the basic industry pattern has been revealed very clearly, the new nanotechnology company has no first-mover advantage, and there are many competitors in the face, if you are deeply engaged in the 'mobile phone battery', it is very difficult to grow up." ”

"So...... You're not optimistic about the company's prospects? Su Yu asked.

"......No," Liang Bin replied with a smile, "On the contrary, I am very optimistic about the future development of this company." ”

"The reason why I included this company in the scope of investment is not that I am optimistic about its current 'mobile phone battery' main business, but the future power battery business that the company's boss said."

"The country's investment in the field of new energy has been increasing in the past two years."

"In the future, with the stricter and stricter environmental protection conditions and the continuous promotion of national policy directions, I think the concept of electric vehicles may still become a reality."

"This company has no advantage in the main business of 'mobile phone battery'."

"But in the new field of power batteries, it can be said that it is one of the few companies in China that has technology accumulation and R&D and production intentions, if the direction is right, it is the first-mover advantage."

"When we invest, we should have a certain forward-looking vision."

"The two new concepts of electric vehicles and power batteries may not be able to become a reality in the future, but when the opportunity is in front of us, we can't help but lay out and pay attention to it."

"Just like 3 years ago, who would have thought that Apple could rewrite the smartphone landscape?"

"Therefore, I think that the new nanotechnology co., LTD., a traditional latecomer with no actual competitiveness, but in fact, it is a standing at the forefront of science and technology, dare to innovate, and the courage to innovate the 'new energy' enterprise, for such an emerging industry company, although it may not be able to grow up, but it is fully equipped with the gene of a dark horse, with an investment of 4 million, I think it is completely worth a gamble."

"What does Miss An think?" After Liang Bin finished speaking, Su Yu continued to ask An Xiaoya.

An Xiaoya thought for a while and said: "Manager Liang's idea has a certain amount of truth, but its investment risk is still quite high, the business of New Nano Technology Co., Ltd. has a dual nature, the potential for traditional business development is limited, and the future of the new power battery business is very uncertain." ”

"This is also after He Qian and I first investigated this company."

"The reason why the project investment plan was rejected by the original company's project risk assessment team when submitted upwards."

"My idea is that this new nanotechnology company has high development potential, but at the same time the uncertainty of business development is also very large, if the company has sufficient funds, it can be invested, but if we don't have so much money, we can only choose the best of the best, and choose companies with higher risk and future certainty to invest."

"...... of the three investable projects we have proposed"

"In addition to the new nanotechnology, the investment risk of the other two companies is obviously smaller."

"Mingjiang Technology is a company with industrial intelligent solutions as its main business, which is somewhat similar to the main business of 'Huichuan Technology' currently listed on the GEM, but it is also a start-up company."

"However, the industry trend of industrial intelligence seems to be much more reliable than 'new energy, electric vehicles, and power batteries', and in the tide of 'intelligence', it should be said to be a very certain direction."

"And there's not a lot of competition in this space."

"In the overall situation that industrial intelligence has just begun to develop, it is basically a very broad incremental market."

"There is the" Tianwei food ", food consumption in China, has always been a relatively traditional and very broad market, this food company, mainly to snack single products, self-management, chain franchise situation development, has now gone out of the revenue scale of tens of millions of ......"

"Cast them all!" Su Yu said, "I see that the prospects of the three companies are good. ”

"All cast?" The three of them were stunned, and Liang Bin said with some hesitation, "But our company ...... There is not so much money on the account, although the current three companies, there are different degrees of urgent need for financing, and at this time, taking advantage of the shortage of money in the market, the financing channels of the entire market, almost broken, it is indeed a good time for us to negotiate with enterprises and invest at the lowest valuation level, but we also have to follow the company's basic strength, we can't eat so many projects in one breath. ”

"When the time comes, whether it is the primary market or the secondary market, then we must act decisively." Su Yu said with a smile, "I can borrow 10 million yuan to the company first, and then wait for the company to return the money and make a profit, and then repay me at the bank's basic deposit rate." ”

Everyone was stunned, but they didn't expect Su Yu's idea.

However, if you do this, the company will have plenty of funds and will be able to eat these three projects in one go.

Of course, after Su Yu decided to invest in these three projects, his plan to build a warehouse in Ancai Paper in the short term was in vain.

You can only use the remaining funds in your hand to establish a bottom position first.

Then wait for more market changes in the follow-up, make more money, and then play the idea of Ancai Paper.

After deciding to invest in all three projects, there is nothing to discuss about the rest.

So, after everyone finished lunch together, in the afternoon, Su Yu transferred the 10 million funds in his personal account to the company's public account, and then called Mr. Yao and asked her to write down the account.

Subsequently, there was no hesitation......

Su Yu, Li Meng, Liang Bin, He Qian, and An Xiaoya were divided into two groups and went to Shenzhen City, where New Nano Technology and Mingjiang Technology are located, and Xiangzhou, where Tianwei Food is located, to discuss investment business.

And when the five of them went to the two places......

Throughout the country, the money shortage crisis within the banking system has become more and more intense, and the overnight repo rate and interbank lending rate of banks have continued to soar, breaking through to 20% all the way, causing extreme panic, and also causing the entire on-site and over-the-counter financing market to rupture, and countless enterprises with great debt repayment pressure have fallen into a cash flow crisis in an instant.