I originally thought that Penghu Industrial and Pengying Holdings would jointly form a company, and the equity of the two companies would be prioritized according to the capital budget. Unexpectedly, Zheng Haixia would also participate, so this financial company cannot be regarded as a subsidiary parent company.
It is a newly created independent entity.
"Our company's main business is consumer loans for home purchases, and other funds are used for curve investment. In other words, most of the business is done to facilitate the development of Wanhai Plaza. If you come in with financing, will you feel that your hands are tied?" Shen Dapeng sighed.
After taking a breath, he asked Zheng Haixia for his opinion.
The two of them washed themselves up in the room and sat on the sofa with no intention of leaving. It was a big deal, but it was a small matter. Shen Dapeng didn't need to go to such trouble. However, Zheng Haixia had been given a chance, so naturally he couldn't go back on his word.
Zheng Haixia smiled clearly. The development of Beijing City is much more mature than that of Shenzhen City. The commercial real estate model of Wanhai Plaza is gradually becoming popular, and financial companies are setting up. As long as Wanhai Plaza does not collapse, there is no need to worry about business expansion around Wanhai Plaza business development.
"If more funds are needed to invest in other fields, I will find ways to finance the company. I can't just do finance in one direction. I know this industry better than you." Zheng Haixia said that she already had a rough plan.
Although most financial companies are established to cater for the emergence of real estate projects, considering the development conditions of Shenzhen, it is possible to become a financial company and make it bigger.
When it comes to more financial issues, even if the company is listed, it will be impossible for this financial company to expand mainly in the real estate industry. Zheng Haixia has more ideas. Whether it is doing credit or insurance, the company must have more
Broad development prospects.
This is different from Shen Dapeng's original intention. He is somewhat familiar with the financial field, but he is definitely not proficient in it. "You mean, you want to start a bank?"
Taking a deep breath, Shen Dapeng looked at Zheng Haixia with a strange look.
Zheng Haixia wanted to expand the scale of finance, link it with banks, and open a bank. Shen Dapeng had not thought about this. However, the procedures were too complicated and without professionals, it was basically impossible to complete the matter.
What's more, after going through the various procedures of registering a bank, it will definitely not be completed within a long period of time, especially now that the acquisition is only a small company, and it does not have the conditions to transform into a bank.
Zheng Haixia understands the industry rules better than Shen Dapeng, and she even has a plan, "The company is now in operation. As for the bank, it will take a long time to handle it, but I am confident to build my own bank in Shenzhen.
Don’t worry.”
Speaking of the difficulty of opening a bank, it is inextricably linked to the initial 100 million yuan of preparation funds. If it is not necessary and required for the operation of the enterprise, the entire 100 million yuan will not be allocated to build a bank.
Finance is a troublesome industry that cannot tolerate any mistakes. Zheng Haixia is confident that she can do it well. This is one aspect that Shen Dapeng is optimistic about.
After all, Zheng Haixia dares to think big and is not afraid of failure.
"If you say that, I have to think about it." Shen Dapeng thought for a moment and said quietly.
Outside the scope of his plan, banks were suddenly mentioned. Whether Zheng Haixia was competent was a question. If there were some problems in the financial field, it would mean losing money or even going bankrupt.
It's just that the various businesses proposed by Zheng Haixia are developed more comprehensively. The company does not have hundreds of people working, and it is difficult to maintain various operations. The key is whether there is a need to expand far away.
"What I proposed is just a general direction. Thousands of tall buildings will rise from the ground. What I need to do now is to pave the way for opening a bank in the future. I can't directly open a bank. This idea is immature." Zheng Haixia became silent at the moment.
When it comes to running a company, there is no room for carelessness.
If Zheng Haixia is qualified to be a financial company, then she is not sure about being a bank. This requires a long period of development, sufficient preparation, and indispensable conditions to complete the establishment of the enterprise.
This is a long and complicated development plan. Zheng Haixia is proficient in the process, but Shen Dapeng sitting next to him is not very professional, so he fell into deep thought.
"I have a better way. You don't need to raise money in the first step, and you don't need to involve company shares. After the company is established, based on the development of various businesses, if necessary, we can then discuss changes in equity distribution. What do you think?
?" Shen Dapeng thought for a while and gave Zheng Haixia's relevant reply.
Zheng Haixia wants to show off her skills, and that's all she wants to do, but the matter is so important that mistakes cannot be allowed to occur. Once the financial company does not do well, it will affect the development of various industries, and the disadvantages will be obvious.
Therefore, it is most appropriate for Zheng Haixia to work steadily and develop slowly.
If the company initially enters the financial field and starts to flex its muscles in various investments, it will do more harm than good to the company as a whole, so Shen Dapeng can only give out his intentions.
The key processes must be controlled by Zheng Haixia herself. The final step depends on the development of the company, whether the project operation is smooth, and the overall profit trend.
Zheng Haixia immediately expressed her displeasure. The method proposed by Shen Dapeng was conservative and she didn't bother to do it. Besides, this wealthy lady had her own understanding of the financial industry.
"Are you worried that I won't do well?" Zheng Haixia laughed coldly and looked at Shen Dapeng with a look of contempt.
With her personal ability being questioned, it is considered good that Zheng Haixia did not fall out with Shen Dapeng directly at the moment. However, the two have not yet cooperated, so she suppressed her temper.
"It's not this question, but what you said is directly related to cutting-edge industries in the financial field. It even connects with major financial giants and completely penetrates the financial market. It's okay for the company to come up with 18 billion, but it's impossible for the company now.
If you raise a large amount of money, the bigger the layout, the easier it is to collapse." Shen Dapeng smiled and didn't mind Zheng Haixia's attitude.
After this year, various problems will burst out in the financial market, and these problems will cause the financial market to collapse in the next two to three years.
Overly expansionary monetary policy opening, weak financial supervision, and the quality of the international exchange rate are also important factors. As a result, in the next two years, real estate prices have suffered, people's purchasing power has become smaller, the curve has fallen, and banks cannot get loans.
In just three years, from 2006 to 2008, the financial crisis will sweep across the world.
At this juncture, it is indeed unwise to invest large sums of money into the financial field.
Shen Dapeng knew that history was progressing, and that in the next period of time, the financial crisis would sweep across the world, so he deployed in the financial field to help real estate and other projects operate.