Five hundred and fifty-seventh chapter stupid situation (3)
Shi Wenjun was stunned by Wang Ai's statement: How could I, an egg seller, open a bank? However, the second bomb came immediately, and Wang Ai continued: "Actually,
, we have already invested in several city banks and purchased the stocks of several banks. So this is not the first time our family has been involved in finance. To put it bluntly, we already have the prototype of a consortium."
A consortium? This time, even Xu Qinglian was stunned. A few years ago we were singing about being the successor of communism. How come we have become a financial oligarch?
If Wang Ai knew their psychological activities, he would definitely roll his eyes. You are, but I am not? Now this is called the coexistence of multiple economic forms in the primary stage, and every method is tried to increase the speed of construction and the level of development.
Wang Bin and Ai Xiaoqing remained silent, listening to what their son said. In fact, their family had communicated these words a lot before and had already formed a common understanding, but they didn't say it to anyone else until the time came.
"If we are only given one set of licenses, then the New Stupid Fund will be temporarily placed under the Future Fund, but the operation will be divided into two parts. The Future Fund will continue to engage in angel investment, and the New Stupid Fund will engage in loans. We can make our own online transactions
For sale, you can also entrust our bank to sell it."
"Then how can we compete with banks? After all, bank loans have been in business for many years and are very mature."
Wang Ai nodded: "The disadvantages of banks are also obvious, such as being conservative and having relatively high loan thresholds. Once the threshold is low, there will be a lot of bad debts, such as rural small loans. As for us, we should be more radical and have lower thresholds, such as banks.
If the collateral is twice the loan amount, we will release it at 1.5 times. In short, it is to fill the various gaps of the bank and also fill the gaps of the future fund. Some entrepreneurs are willing to share equity, while others are not willing and want to borrow
In total, after I repay the money, the company will still be mine, even if I repay more. But as for these people, either the collateral is far less than the loan amount, or they hold a technology patent whose value is difficult to judge. Angel Fund
No one, no matter the bank, can satisfy him. But our new idiot fund can. We will plug this gap and provide him with a new product. Of course, the return we want to reap must be at least double.
Well, if you think about it this way, it is considered a loan shark. But we are a corporate loan shark. One is willing to fight and the other is willing to suffer. Who would make you reluctant to part with the equity? Of course, this thing is still essentially a status mortgage loan, which means that it is not a loan shark.
We will give them a loan, at least they must be graduates from prestigious schools and have real talents. It can even be said that this is a kind of talent investment, that is, we judge that this person can succeed next time even if he fails, then we will lend him a loan.
.We can’t get him back for a while. We’ll wait until his next business venture is successful and we’ll go back.”
"Then what if he doesn't pay back the money?" Xu Qinglian thought.
Wang Ai shrugged: "Don't forget that we have a bank. We cooperate with the Industrial and Commercial Bank of China in credit reporting. If he doesn't pay back the money he owes, we will put it in his credit record. In the future, banks and financial institutions across the country will not give it to him.
Loan. No one believed him and he cheated our family. I choked him to death."
"What does Wang Fund do?" Shi Wenjun asked.
"Are you still thinking about charity?" Wang Ai glanced sideways at her.
"I-I'll just ask."
"I tell you clearly that unless you leave us in the future, you will no longer be able to do charity. Look at what you have done in the past few years. Didn't you understand what my mother just said about you? Your perspective is narrow, and your upward path is narrow.
Your body is very worrying!" Wang Ai said angrily: "It's your situation that hurts your body. You are in contact with those who can't survive all day long, which is similar to the injury. If you don't let you out, I'm worried about you.
You won’t live long! I said you are in charge of the entire Idiot Company, not the Idiot Fund, and the Idiot’s products are all sold to rich people, why don’t you take a look at them?”
Wang Ai's words made Shi Wenjun hold back tears in his eyes. Ai Xiaoqing glanced at Wang Ai, stood up, walked over, sat next to Shi Wenjun, and took her hand with clear knuckles: "When I was young,
I know you have always felt guilty about the deaths of Bai Fangli and Cong Fei. Don’t think so. They have their ideals and pursuits, and we must also have our own ways and methods of doing things. You basically donate your monthly salary secretly
Have you gone, right? I see that you have rarely bought anything of your own except for the clothes distributed by the company. We do not interfere with your private life pursuits, but we must be responsible for your future growth. Otherwise one day you will
Mom and Dad came to our door. What did you want me to tell you, Uncle Wang? How to open the door? How can we, the precious girl of your old family, have a good outcome here so that we can sleep well?
"
"My parents can't..."
"And!" Ai Xiaoqing patted Shi Wenjun on the head: "You girl, you are so stubborn, but you are also a good girl. But the more you act like this, the more we have to treat you well. You and
We have known Wang Ai since we were young. He regards you as a very good friend. After all, there are not many people who can invite you to his home. In the future, your Uncle Wang and I will have to step down sooner or later, and the newcomers of your generation will always come up. When the time comes,
The more you have like this, the better. So, letting you transfer is not only for your own good, but also for his own good, and for the good of all of you."
"I understand." Shi Wenjun nodded, moved his lips and whispered, "Yes, but I still want to ask."
Ai Xiaoqing became angry and poked Shi Wenjun in the forehead with her finger. Amidst the laughter of several girls, she turned to look at Wang Ai: "Tell me what you want, don't tell me that she is still struggling. But girl,
Remember, after your job rotation next year, you will no longer be exposed to these things. Even from now on, I have to find someone to replace you in the work of your fool's fund. You just have to do your best to do a good job in the agricultural and sideline food business of the fool.
Ok?"
"Yeah!" Shi Wenjun nodded heavily.
Wang Ai on the other side rolled his eyes and pondered for a moment: "The specific plan still needs to be perfected. What I envision now is that the Wang Foundation will be the main channel for our family's charity in the future. Good things still have to be done. In the bigger picture, this is our
Our original intention is to keep our sobriety and our direction. On a smaller scale, this is also a means for us to protect ourselves. As for specific projects, I basically consider the following directions: one is a special charity fund for certain serious diseases; the other is
scholarship; the third is the charity fund for righteousness. Separately speaking, this charitable fund for serious illness is expensive and urgent. It is very popular. However, the country cannot solve it for a while, and it is temporary like a student loan.
We must bravely fill in the gaps and withdraw when the country is ready. Scholarships and volunteer funds can both be established in the long term."
