Chapter 715

Just when Chen Ze and Song Liang were surprised, Li Mu shocked everyone present.

I saw Li Mu asked Lao Zhou with a serious expression: "Lao Zhou, if I entrust you with help, find a fund company that cooperates with you to customize a direct bank investment fund, assuming that the fund size is 3 billion, and the subscribers have a three-year period. The interest rate is 3%, the principal and interest are guaranteed, how long do you think it will be sold out?”

Chen Ze and Song Liang were startled when they heard it, and they were shocked in their hearts! Issuing investment funds? Will Li Mu rely on this to get 3 billion to save Juncheng Real Estate? Isn't the investment fund linked to securities stocks or something? Also, how exactly does this thing work? I don't understand at all!

At present, the fund has just become popular in China, and it only conducts business in first-tier cities. Neither Chen Ze nor Song Liang know the specific operation mode of the fund, so they do not understand how Li Mu intends to operate.

However, there are people who know the business. Lao Zhou is a bank executive and an expert in the financial field. He is very clear about the current operation mode of the fund, but when Li Mu said that he was going to find a fund company to issue the fund, he was stunned and said: " 3% guaranteed principal and interest, it should be sold out soon.”

Speaking, Lao Zhou further explained: "The key is that the fund company will be willing to initiate a fund if it can see a strong project income guarantee. You promise to protect the principal and interest, but the fund company will be willing to have absolute guarantee and profit margins. Do it, and the details here are very confusing, and it may be difficult to operate in private."

Old Zhou thought that Li Mu was trying to take advantage of the chaos and immaturity of the fund, and he was empty-handed in the fund market. The amount of 3 billion was not too small. If he was empty-handed, the risk would be too great to pass on to banks and fund companies.

Li Mu said indifferently: "I checked the current laws and regulations, and the laws and regulations of investment funds are still very vague. Basically, fund companies have a lot of autonomy, and even banks have a lot of autonomy. right?"

Old Zhou nodded hard: "This part is really messy now, and there are not many rigid standards. The state has only issued some temporary measures."

Li Mu knew in his heart that the field of funds was originally a murky pool, not to mention now, the industry will not be fully regulated in ten years. Right now, if he wants to use the hands of fund companies and banks to issue funds, he just needs to make them feel that they can make it. Staying at the bottom, there is a lot of room for manipulation.

Chen Ze and Song Liang understood, Chen Ze asked Li Mu in surprise, "Do you want to issue a 3 billion investment fund to solve the funding gap of Juncheng Real Estate?"

Li Mu didn't hide it, nodded and said, "That's right."

Chen Ze nodded and said, "The idea is quite good. The key is a 3 billion fund, three years, with guaranteed principal and interest. What are you going to use to protect the fund company?"

Li Mu smiled confidently: "I'm here to give this fund the ultimate guarantee. Once the three-year period expires, I will redeem the principal and interest once."

Song Liang was a little surprised, he said: "Xiaomu, I have no doubt that you can easily redeem the more than 3 billion funds in three years. In fact, it is enough to unblock and realize the assets of Juncheng Real Estate, and we still have some profits. , but the question is, what kind of mortgage do you take now?"

Li Mu said with a smile: "This is the biggest difference between a fund company and a bank. The bottom line is not a loan, and it is much easier than a loan. What the fund company pays attention to is whether I have the ability to cover the bottom line, and I can directly use Juncheng Real Estate to the fund. The company’s bottom line is that banks have their own principles and do not accept seizure of assets as mortgages, but fund companies are much more flexible.”

After a pause, Li Mu added: "The current situation of Juncheng Real Estate is very clear. As long as the three billion yuan is in place, it will be revitalized in the future, and at least more than 5 billion yuan will be revitalized. As long as the fund company understands the specific situation, it will definitely be able to judge. Whether this project is risky, I believe that they will be willing to do it in the face of sufficient profits. After all, it is not their capital that is occupied, but the investors' money. For them, as long as they issue funds, they can take investors' money. To earn my money, what else have they to worry about?"

Although Lao Zhou did not know about Juncheng Real Estate,

But he partially agreed with what Li Mu said, saying: "Fund companies are indeed much more flexible, but they are also more cautious to some extent. If the seized assets have a high probability of being unsealed, they may privately recognize the value. , but the recognized amount will also be discounted, and the longer it takes to redeem the redemption, the less sure they are.”

Song Liang and Chen Ze are also worried about this. Juncheng Real Estate has been seized by the court. There are more or less risks involved. Although the fund company is seeking profits, the current situation of Juncheng Real Estate is worth the risk of more than 3 billion. ?

Li Mu waved his hand, snorted, and said, "It doesn't matter, if they feel that Juncheng Real Estate can't afford 3 billion, I will take Muye Technology together. Anyway, we all know in our hearts that the fatal threat of Juncheng Real Estate is bank loans. The loan is repaid, and the rest is just a matter of time, isn't three years enough?"

"No matter how daring the local public prosecutors are, they would never dare to seal up a company with more than 5 billion assets for more than three years. Lanke Group is not so capable. What's more, as long as this plan works, Wei Lan will 80% of Juncheng Real Estate's shares are transferred to Wanying. Once the transfer is completed, the local public security law and the Lanke Group will have to re-evaluate. They are no longer Juncheng, but Wanying's property. There is Muye Technology in it, and they have to weigh my influence, right?"

Chen Ze's eyes lit up: "It sounds like it's really feasible!"

Li Mu smiled confidently: "Of course, we all know that after the 3 billion loan is repaid, the total assets of over 5 billion seized by Juncheng Real Estate will definitely be released. The more than 5 billion assets, plus Muye Technology, the two companies have a total of 3 billion yuan, and the fund company will still have no end? And the bottom line is not a mortgage, I only need to pay more than 3 billion to accept it when it expires, and the risk is only money. "

Old Zhou nodded again and again: "If you say that, the fund company must have a bottom. The key is how much profit margin can you give them, Mr. Li?"

Li Mu said: "Including the interest for the subscribers, the profit points for the fund company and the profit points for the bank, it is fully calculated. If I give 800 million profits to all links, I can break the sky, right?"

Lao Zhou nodded and said: "It doesn't matter so much, the annual interest rate of the subscribers is 3%, and the total interest rate of three billion three years is 270 million. For the fund company, it is sure to be able to hold the bottom, and the gross profit will make up for them five years. 100,000,000, they will definitely rush to do it."

Li Mu asked him, "If this is the case, if your bank acts as an agent for direct sales, how much profit do you need to pay to your bank?"

Old Zhou thought for a while and said, "With Mr. Chen here, I won't say much. Once your fund is issued, we will only mention two points to the fund company."

Li Mu asked him: "In this way, after three years, I only need to pay 3.56 billion to the fund company at most, right?"

Lao Zhou nodded: "Yes, that's enough."

Li Mu immediately became overjoyed and slapped the table: "The cost of 560 million is much lower than the cost of the loan! It's a lot cheaper than I expected, Lao Zhou, please contact me with the fund company, it's best See you today!"

Lao Zhou said, "Then I'll make a phone call and make an appointment to chat face-to-face." After speaking, Lao Zhou picked up his mobile phone and left the office first.

As soon as Lao Zhou left, Song Liang looked at Li Mu with a look of admiration and said, "Fuck, okay, Xiao Mu, you can also think of this method. If it is successful, wouldn't it have a billion-dollar profit?"

Li Mu nodded: "If the cost is 560 million, the profit margin will be less than 2 billion. If this matter is reliable, I hope that the court will really delay it for three years and then unblock it. After three years, Juncheng real estate real estate building. If the house price is not good, it will double! In that case, the net profit space may reach 300, 400 billion or even more."

Chen Ze said: "Juncheng Real Estate is the property of Wei Lan's family. In the end, we took the big one. If this happens, I'm afraid there will be a gap in our hearts in the future, right?"

Li Mu said: "This is the spirit of the contract, and you have to recognize it when you sign it. If she will have a gap in her heart because of the contract she signed, then I am afraid she will not be able to become a real partner. On the contrary, if she is in Wanhua in the past three years Ying has shown her value, so after the whole thing is over, in addition to the 800 million cash promised to her, we will appropriately give her a little share of Wanying as incentive and compensation, so that everyone will be an unbreakable partner in the future. related."

Song Liang clapped his hands and said in agreement, "This idea is so fucking awesome, if it is successful, it will be able to solve the 3 billion capital hole without paying a penny and without the need for loans, and at the same time, it will be able to make billions of profits in the future. Space, I think this method is not only suitable for Juncheng Real Estate at present, but also can be used if we want to cash out a large amount of money in the future, with low threshold and low cost, it is very cost-effective!"

Li Mu waved his hand: "It's very time to use a very method, I don't use this method right now, and others will definitely use it in the future, but no matter who uses it, it will attract a lot of imitation, and once someone imitates, there will definitely be someone inside. Abduction, the state will definitely come forward to control it, we can take advantage of the chaos now, but we must stop in moderation, so this kind of routine, I am only going to play this time."

Song Liang looked at Chen Ze helplessly, and said with emotion: "Did you see the new model he came up with, and he said that he would only play this time. What kind of psychology do you think it is?"

Chen Ze smiled and said, "What kind of psychology? Let him pretend to be alone, why should we care what kind of psychology he has?"

Having said that, Chen Ze really admired Li Mu in his heart, and felt more and more that Li Mu as a partner really contained infinite possibilities.

Song Liang had the same opinion in his heart, nodded, and said harmoniously, "Okay, let's stop talking nonsense, let's applaud Boss Li first!"

(To be continued.)