With this premise, Rong Guangyao personally took action and came to Pengzheng Financial Company. His attitude was low enough. Later, Zheng Haixia also raised the price and finalized subsequent development intentions.
Next, they only used small tricks to make Pengzheng Financial Company completely trust Shenzhen Development Bank and attribute all the funds to this bank. After the funds are in the hands of the bank, this financial company is not allowed to be manipulated by Rong Guangyao?
What's more, Huang Bin also expressed his intention to cooperate. Fujia Real Estate has a very large construction base. However, people think that Shencheng Development Bank is small in scale and only provides a little bit of thankless business for cooperation, so he can't make much money.
profit.
With Huang Bin taking the lead, he contacted the senior management of Fujia Real Estate and the negotiated business was much more profitable than Pengzheng Financial Company. Therefore, Rong Guangyao did not hesitate to offend Zheng Haixia and dug a hole to bury Pengzheng Financial Company.
.
After seeing off Rong Guangyao, Zheng Haixia returned to the office. Seeing that Shen Dapeng had not left yet, she breathed a long sigh of relief and asked, "How was your negotiation with CCB?"
Shen Dapeng could tell that Rong Guangyao was trying to trick them, and Zheng Haixia could also detect it a little bit. What she said before was completely deliberate.
Always be on guard against cooperative relationships that deceive you, and even sever ties with them if you have the opportunity. This will greatly reduce the company's operational risks.
Rong Guangyao is a good actor in this play, but Shen Dapeng and Huang Bin have fought against each other many times and know that this person will definitely not settle down, so he will not take it lightly.
"There is a bank that is willing to cooperate with us. He will help and allocate our company's funds from Shenzhen Development Bank. Banks compete and they are better at it." Shen Dapeng smiled slightly and felt that it was true that Zheng Haixia could detect the problem in advance.
good.
If Zheng Haixia believes in Rong Guangyao and comes to negotiate with Shen Dapeng, then Shen Dapeng will have to reconsider whether Zheng Haixia is qualified to be the leader of the company in the future.
Zheng Haixia curled her lips and saw what Shen Dapeng was thinking, "Just allocating this fund is far from enough. Since they have joined forces to set up a scam, it is necessary to play a trick and teach them a lesson!"
As soon as these words came out, Zheng Haixia's eyes flashed with evil intent.
If others didn't fight back when they bullied her to the point of being bullied, she, Zheng Haixia, wouldn't have to pursue an ambitious career. Wouldn't she be happy to go home and be a rich girl with no shortage of money?
Shen Dapeng is still more concerned about the idea of siphoning off wages from the bottom of the cauldron. Although Industrial Bank was listed on the Hong Kong Stock Exchange in October, with registered capital and paid-in capital of more than 220 billion, cooperation with it cannot be taken lightly.
There are three cunning rabbit holes in financial operations. There are no escape routes, and everything is considered unsuccessful. In the face of the ever-changing market, although the financial system is at the forefront of various industries, the risks are directly proportional to the returns, and even the risks
Much higher than the average industry.
"The whole company is left to you. You can do whatever you want. Don't make the company dirty. I don't have any other problems." Shen Dapeng said with a smile, giving enough trust.
Zheng Haixia can see the situation clearly and make plans for subsequent development. In terms of finance, as long as she does not deal with problems with the temper of a rich lady, other aspects will not affect the company's overall development.
"It has nothing to do with you whether you say it or not. I will give you an answer to the company's affairs in these two days." Zheng Haixia looked out the window and said firmly.
"Don't worry for now. We'll wait until the company here is stable. If you have any ideas, you can tell me and I can give you some advice, right?" Seeing Zheng Haixia's confidence, Shen Dapeng asked a question.
Zheng Haixia looked at Shen Dapeng up and down for a while, and seeing that he was very interested, she explained: "The total assets divided by its own capital is the leverage ratio. Our company's borrowings are zero. Generally, financial companies will use loans to mortgage repurchases and other methods to obtain short-term loans."
Our company does not need funds at all, but it is equivalent to lending the company's initial 200 million funds to the bank, so the leverage ratio is parallel."
"In the development of a company, the greater the leverage ratio, the greater the profit when it makes money, and the greater the loss when it loses money. There may even be a possibility of collapse."
After a brief introduction, Zheng Haixia soon took a deep breath and continued.
After the company injected funds in the early stage, it had a huge operating space. Rong Guangyao thought that Pengzheng Financial Company could be left to his own devices, so he planned to trick Zheng Haixia.
However, Zheng Haixia is proficient in financial business development and has a large amount of funds in her hands. How could she be tricked and get off to a bad start after arriving in Shenzhen?
The two mentioned before have talked about the subprime mortgage crisis. When the real estate market changes in the future, the subprime mortgage problem will lead to a decline in the repayment ability of borrowers. Since the middle of 2004 last year, the United States has raised interest rates more than ten times in a row, and the domestic economy has changed accordingly.
A series of changes have taken place in Shencheng.
Since the company can avoid losses in the early stage, it will definitely not suffer losses when cooperating with banks, because the company is equivalent to using banks to lend funds to customers in disguise.
"Next, after the funds are allocated, we can unite some financial companies and cooperate with us with the Industrial Bank. If we can tie up the Industrial Bank, who will go to Shenzhen Development Bank to cooperate? Not to mention that this bank is very bad.
You're kind enough to put us together in front of you?" Zheng Haixia said meaningfully, quite vindictive.
Zheng Haixia said it was an understatement to suppress a bank. There are also many difficulties in this. For example, it is difficult to persuade those financial companies and it is difficult to join forces with them.
If you are in the same industry, it is a competitive situation, and the probability of convincing your enemies is low.
"Are you sure you can persuade them? Even if you can negotiate, how do you know if any of these people are colluding with Shenzhen Development Bank? Besides, Industrial Bank may not give you face." Shen Dapeng didn't quite understand Zheng Haixia's tricks.
I don’t really think it will be successful.
Zheng Haixia smiled slightly, rolled her eyes and said: "So I just talked to you about the development trend of the financial industry. This is a general trend and cannot be stopped by human power. It just so happens that our company has an opportunity to create the illusion that Shenzhen Development Bank has tight funding problems.
"
Speaking of this, Shen Dapeng suddenly realized.
It seems that Zheng Haixia has analyzed the situation properly, and Pengzheng Financial Company will allocate funds next. Logically speaking, this matter has nothing to do with Shenzhen Development Bank, because the bank must not have fully digested the funds.
But Zheng Haixia can use this matter to operate a little in the financial circle. As long as other financial companies have some suspicions and a little bit of distrust, there is no need to worry about their hesitant attitude and continue to manipulate Pengzheng Financial.