Rebirth 09: A perfect life starting from college

This sentence, Jiang Cheng can be said to come from the heart.

Ask yourself, in addition to providing a steady stream of funds, Jiang Cheng did not spend too much energy on the company's operations.

All the usual work matters of Qinfeng Capital - personnel recruitment, work planning, financial expenses and other miscellaneous and trivial matters are all carried by Wen Jie on the shoulders of her hands-off shopkeeper. Said, second only to Jiang Cheng as the boss.

Therefore, for Wen Jie who has been silently contributing to the company, Jiang Cheng is of course extremely grateful in his heart.

But when these words were heard in Wen Jie's ears, an uncontrollable sense of happiness surged in her heart instantly.

——It turns out that my position in Jiang Cheng's heart is actually so important...

Wen Jie's heart was filled with happiness immediately, and the smile on her face became brighter and brighter.

She also didn't know that her feelings for Jiang Cheng were purely out of admiration and admiration.

Or the love between men and women...

Wen Jie didn't dare to think deeply, because she was afraid.

I am afraid that if things are not as I imagined, I am afraid that I will be passionate.

Fearing that after this hazy feeling is broken, the rejected self will no longer be able to face the other party.

So I can't stay with him anymore...

"brake."

Just when Wen Jie was thinking wildly, a calm voice beside her ear suddenly brought her thoughts back to reality.

"Well...!"

Subconsciously stepping on the brake with his right foot, after a violent forward momentum, half of the Mercedes-Benz S300 crossed the stop line and stopped at the intersection of red lights.

"Yes...I'm sorry...Mr. Jiang."

Knowing that she almost got into trouble, Wen Jie hurriedly apologized.

"It's ok."

Jiang Cheng didn't blame anything, but his tone was more concerned: "Is there something wrong with your body? If it doesn't work, let me do the driving."

"No...no need, I can do it."

Wen Jie quickly smiled apologetically and said, "Hehe...it's just that I was a little distracted just now."

"Okay, you must pay attention to safety when driving in the future."

"alright, I got it."

Wen Jie nodded repeatedly, feeling warm in her heart.

"By the way, Mr. Jiang..."

While waiting for the red light, she thought about it, and suddenly she couldn't hold back and asked, "Actually, our company's current financial situation is very good. Why do you suddenly plan to make a financing loan?"

"And as far as I know, the financial institution President Ren found for you this time is willing to provide a large loan, but the interest rate is much higher than the normal loan interest rate..."

"Such a high leverage ratio - I'm afraid this is not a good thing for the company's future development?"

Chapter 132 Two sets of solutions

"It's okay, these are things I have already considered."

Jiang Cheng replied lightly: "You don't have to worry, I will deal with it myself in the future."

Logically speaking, this matter is really hard to explain.

I can't tell the truth - I have a system, can I get a lot of money directly, right?

Ghost letter too!

Since it cannot be said, then so be it.

Although Jiang Cheng thought so in his heart, his calm and composed appearance looked different in Wen Jie's eyes.

Calm, unpredictable, and possesses absolute confidence that everything is under control.

Such a temperament is undoubtedly very attractive to a girl like Wen Jie.

Involuntarily, her admiration for Jiang Cheng grew stronger in her heart.

Mr. Jiang is really amazing...

Half an hour later, the Mercedes-Benz S stopped smoothly in front of a private club.

After handing over the car keys to the waiter who came to provide parking services, Jiang Cheng was in the front and Wen Jie was in the back. The two of them came to a private and luxurious box under the guidance of the welcoming lady.

"Mr. Jiang~ Long time no see~"

Seeing Jiang Cheng walk in, the middle-aged woman sitting in the box—Ren Li, the president of Xijing Branch of Zhaoxing, stood up from her seat with a smile, and bowed respectfully to the young man with a very low posture.

"President Ren, please be polite and sit down."

Jiang Cheng nodded with a smile, his expression as calm as ever.

Speaking of it, although the main purpose of my trip is to borrow money.

But after all, Jiang Cheng used billions of real assets for full mortgage. Such a huge amount is enough for any bank in the country to call him dad.

Jiang Cheng knew it in his heart, and Ren Li knew it even more.

For the bank, it is the grandson who saves money, and the uncle who borrows money.

After all, strictly speaking, the deposits absorbed can only be regarded as negative assets. If they stay in the vault for a long time, it will be the biggest loss for the financial institution itself-only by releasing the money and getting enough interest, This is the most important and valuable thing for banks.

And the young man in front of him can not only provide top-quality mortgage assets, but Ren Li also knows that he still has billions of dollars in cash flow in his hands.

Such a client is not called Dad, what is it called?

"Mr. Jiang, please take a look at this first."

As Jiang Cheng was seated, Ren Li just took out a document that she had prepared a long time ago: "This is a plan document for a financial lending institution that I specially compiled based on your previous request."

Hearing this, Wen Jie stood up quickly, took the document politely, and presented it to Jiang Cheng.

"The specific situation is like this, because of the good cooperative relationship between you and our bank."

Ren Li explained patiently: "After communicating and researching with the head office, I have researched two feasible plans for you."

"First, we will provide you with a loan line of credit equivalent to about 90% of the total assessed value of the collateral based on the RV assets you submitted for mortgage. The initial estimated amount should be 40 billion to 45 billion Floating left and right..."

"Ah."

Hearing this, Jiang Cheng, who was flipping through the documents, frowned suddenly.

This amount, together with the 10 billion leveraged allocation quota accumulated in the stock market and futures market, reached the peak of less than 55 billion.

To put it bluntly, it means that his cash assets have not changed, and he has earned more than a dozen luxury cars and more than a dozen properties in Shanghai for nothing.

Although the profit is earned, it always feels as if it still does not meet the expectations I imagined.

——At the end of this month, the ability to cast God will be invalid. Although I can still rely on the ability of the company team to continue to make efforts in the stock market and futures market, but I have lost the ability to predict, and obviously I will no longer be victorious grasp.

Under such circumstances, the risk of continuing to play short-term as it is now is obviously extremely high, so it is an inevitable choice to switch to long-term investment with a more stable return rate.

But once the money is invested, if there is no return in the short term, the company's cash flow pressure will gradually increase...

Therefore, with a net worth of about 50 billion yuan, the layout of future investment is still a little bit less.

Although Jiang Cheng can still continue to raise funds and loans in the future to further supplement his cash flow, but without Lao Laika's guarantee, he really has no idea.

He pursues a steady style, and hardly considers such a radical route with huge risks.

——Unless the system gives him another old Lai card.

"What about the second option?"

Jiang Cheng thought for a while, then asked.

"Hehe... Mr. Jiang."

Ren Li didn't answer this question directly, but chuckled lightly, and asked in a cautious tone: "Please allow me to ask a question..."

"——You are abroad, do you still have private accounts or assets?"

"Like... over there in Europe?"

"Yes."

Jiang Cheng didn't shy away from this question, and nodded affirmatively.

The rewards issued by the system are all Ruiyin accounts, which can only be used after cross-border settlement and transfer.

For this point, the calling system responsible for docking must have some understanding.

However, due to Ruiyin's strict confidentiality measures, what the other party can know is limited to the assets he owns abroad.

How much and where it came from is impossible to know.

"Okay, I know."

Ren Li said with a smile: "That's right, Mr. Jiang, we actually cooperate with many foreign financial institutions to a large extent."

"After I got your appeal, I also contacted some foreign finance companies that have reached strategic cooperation with our bank through the relationship of the head office, and conducted preliminary discussions on this."

After speaking, Ren Li paused, and said in a somewhat apologetic tone: "Of course... for the sake of communication, we have provided the other party with a little information on the fund circulation of your foreign exchange docking account within the scope that can be disclosed. , please forgive me for this.”

"It's okay." Jiang Cheng said lightly, signaling the other party to continue.

"After learning that your personal account has a large amount of US dollars in circulation, the other party is very interested in your request for funds, and is also very optimistic about your Qinfeng Capital."

Ren Li said with a smile: "That's why we unanimously discussed and came up with the second plan - our bank will take the lead in guaranteeing, and contact a number of foreign financial institutions to jointly invest and loan your Qinfeng Capital."

"The overall joint investment amount is conservatively estimated to be at least 100 billion yuan, and the method is relatively flexible. We provide you with two options, allowing you to choose freely."

This amount has reached the minimum in Jiang Cheng's heart.

It's just that I don't know exactly what the two plans Ren Li mentioned are.

"continue."

Jiang Cheng tapped his fingers on the table and asked with interest.

Chapter 133 I Really Can't Guess You

"These two options are easy to say."

Ren Li smiled and explained: "Plan A, the investment of these foreign institutions will be realized by investing in Qinfeng Capital."

"It will obtain the corresponding equity of Qinfeng Capital in turn according to the specific investment share."

"According to our preliminary research, if it is an investment of tens of billions, it may require you to sell about 70% of Qinfeng Capital's equity."

"Investing funds...? More than 7% of the shares are sold...?"

Hearing Ren Li's words, Jiang Cheng subconsciously tapped the table with his fingers, his expression calm.

"Yes, this is the solution I personally recommend."

Ren Li glanced at Jiang Cheng, and said with great certainty: "Mr. Jiang, I can assure you that these shares will be distributed to various independent companies, and I will absolutely guarantee that you still control the largest capital of Qinfeng Capital. Equity to guarantee your control over Qinfeng Capital."

"The biggest advantage of investing in shares is that there is no loan relationship between the two parties. In addition to paying us a certain percentage of guarantee intermediary fees, you no longer need to pay any interest on this money."

"I understand."

Jiang Cheng didn't make any statement, but said calmly, "So, what about another plan?"

"Forehead..."

Seeing Jiang Cheng's expression of indifference towards this plan, Ren Li, who was originally full of confidence, was taken aback for a moment.

In her opinion, the Plan A she proposed is very tempting.

To be able to obtain more than [-] billion investment and financing from foreign institutions at one time is almost a great thing for any enterprise.

There is no interest payment and no liability for future losses.

More importantly, with so many financial institutions as shareholders of Qinfeng Capital, it is equivalent to opening up many domestic and foreign contacts and resource channels.

Although it will be necessary to pay for the equity in hand, overall, the risks are controllable and the prospects are promising.

It can be regarded as a great opportunity that even burning high incense can't ask for.

However, looking at Mr. Jiang's expression, he didn't seem very excited.