"Professional, meticulous";

This is the answer Ma Yibo got after listening to Wu Yuanfang’s analysis;

Perhaps, only by saying this can Ma Yibo understand it;

If it were replaced by those obscure and difficult-to-understand professional terms, Ma Yibo would probably be able to fall asleep.

"Brother Wu, just do what you said. How much money do you think you can borrow without affecting Aunt Qin's issuance of bonds";

"Yibo, we have a good relationship, so I advise you like this, there is no need to be such a high leverage";

"If, I say if, once someone wants your Aunt Qin shares, and lend the funds to you in this way";

"Once, I say, if you lose too much in the financial market, the other party will transfer Aunt Qin's shares to your own name through legal procedures";

"Of course, I also want to invest in you Aunt Qin, but we are in this relationship, and I also believe that your future is unlimited";

"The reason why Aunt Qin develops so fast is because you are at Aunt Qin."

Wu Yuanfang still wanted to dispel Ma Yi's idea of ​​madness;

In recent years of investing, Wu Yuanfang has seen too many founders of corporate founders because they overestimated that they would eventually go on another path.

"Brother Wu, I know what you think, just talk about the loan interest."

“12%, that’s the minimum interest I can give”;

"I believe you also know that more short-term loans such as bridges will only have higher interest rates";

"If Qin Dama Group's debt is only within 30% of the time, the loan interest can be as low as 5-7%";

"Investment institutions are different from banks. Banks directly use depositors' funds. The amount of funds we invest in is investors', and a certain profit must be guaranteed."

"Okay, then I'll trouble Brother Wu. I'll borrow 3 billion yuan, and the interest will be as you said. The procedures are required. I will cooperate. Can I pay the payment within one month?"

"I try my best."

After discussing the matter, Ma Yibo did not stay for too long and took Zhou Liquan away directly;

Ma Yibo did not think it was particularly high for the 12% interest rate that Wu Yuanfang said;

Of course, this is relative to the future bull market.

If it is just an ordinary investment loan, the interest rate is so high that it can crush a company or even an industry with not particularly high profits.

This is the case in later generations of real estate companies that have been experiencing continuous storms;

The cost of financing abroad is extremely high, as high as 12%-15%, and some are as high as more than 20%;

In the past, by borrowing new debts to exchange for old debts, as long as the interest could be paid back, it could still be operated;

As a result, after the tightening of national policies, new funds cannot be borrowed, so the previous debt will only burst;

What crushed them was related to their disorderly expansion and also to high interest rates.

If Aunt Qin is the same, she will definitely be dragged down by the high interest rate.

...

"Mr. Wu, do you really want to accompany Mr. Ma to go crazy?"

After Ma Yibo left, Zhao Hui was called to the office by Wu Yuanfang;

After hearing Wu Yuanfang's description, Zhao Hui felt that Ma Yibo's thoughts were too crazy;

Zhao Hui, as a relatively successful group of people in the financial industry, can even know the risks of the stock market;

In the past, Zhao Hui was willing to let Ma Yibo take Aunt Qin's shares as collateral. Once Ma Yibo's financial market hits, they could completely legitimately invest in Aunt Qin;

But now, Zhao Hui no longer has this idea;

The most important thing is that Aunt Qin develops too fast, so fast that even if they invest far away, they can’t play with Aunt Qin;

In other words, no one in the current Qin Aunt Group can control it except Ma Yibo.

Therefore, Zhao Hui was naturally unwilling to borrow money from Aunt Qin Group;

Although 3 billion yuan of funds are allocated to 3-5 institutions, each of which is 600-1 billion yuan;

If this matter is led by Yuanfang Investment, once Aunt Qin has problems, although Yuanfang Investment has no legal responsibility, it will inevitably have a stale relationship with the incoming institutions.

"Old Zhao, don't just look at everything in front of you";

"At this time last year, Aunt Qin had only twenty or thirty stores, and Aunt Qin had just started taking out. At that time, Aunt Qin's valuation was only 100 million or 200 million";

"In a year, many people only noticed the Qin Auntie Food Factory, which was established for half a year and the Qin Yue novels that were established for a few months, but the most important business of the Qin Auntie Group is the Qin Auntie Store and Qin Auntie Takeout";

"When the Qin Aunt Qin Group was short of funds, Ma Yibo first sold the Qin Aunt Qin Food Factory to develop Qin Aunt Qin's shop and Qin Aunt Qin's takeaway. Some time ago, he raised funds for Qin Yue's novels to develop Qin Aunt Qin's shop and Qin Aunt Qin's takeaway";

"Now, Aunt Qin's store and Aunt Qin's takeaway, especially Aunt Qin's takeaway, have expanded to most cities south of the Yangtze River. If Aunt Qin's takeaway occupy these cities, what level will the market value reach?"

"It doesn't mean the New Year, just say that in three to five months, do you think Aunt Qin's market value is still the current market value?"

"You also know the data on mutual protection of Aunt Qin that has just been launched. If you take out the mutual protection of Aunt Qin to raise funds, the valuation will not be small";

"Also, the development of Aunt Qin Group has entered the overtaking lane, and a project is almost every one or two months. The most important thing is that this project can be pulled out separately. Can you be sure that Aunt Qin will not have new projects in the future?"

"And, the development idea of ​​Qin Aunt Qin Group is now very obvious. All projects are for attracting traffic to Qin Aunt Qin's shop and Qin Aunt Qin's takeout. In other words, all other projects are just for Qin Aunt Qin's two mainstream business reserve users";

"Especially, Yibo has Didi and ByteDou shares, and there is also a good exchange with a currency exchange that was not optimistic about before, but has only developed a year of development, which is worth 1 billion yuan, not counting the Bolong Cross-border Shares that have been transferred to his wife's name."

"Don't these tell us that Ma Yibo's unusualness and Aunt Qin's development potential?"

"Besides, even if Ma Yi borrowed 3 billion to fail in the financial market, even if he lost half of the loss, it would be only 1.5 billion";

"For Ma Yibo, who has the vast majority of shares of the Qin Aunt Group, it is not a big problem at all."

"This time, our Yuanfang Investment not only needs to help him get a loan, but also we must purchase the bonds issued by Qin Aunt Group as appropriate";

"According to my estimate, even if the two or three billion yuan of funds obtained by Qin Aunt Qin's bond issuance this time, it is probably enough for the development of Qin Aunt Qin's Group this year and next year. In the second half of next year, Qin Aunt Qin's Takeaway will probably compete head-on with Eleba and Meituan Takeaway, and will be even short of money at that time."

"At that time, the Qin Aunt Group would probably raise funds to increase its allies";

"No matter how good our relationship with Ma Yi is now, if we can't help him at a critical point, once Aunt Qin raises funds later, we will really have to drink soup."

This is Wu Yuanfang's idea. A person who grew up with an elite education has much stronger thoughts and long-term vision than Zhao Hui;

Perhaps, Zhao Hui is just focusing on the present and paying more attention to immediate interests;

Wu Yuanfang has a long-term vision and the complementarity of the two in work has made the glory of Yuanfang's investment today.

"After saying this, it seems that I am still limited."

"Not to say, Mr. Ma is really good at making trouble. No matter what new business it is, it can cause a stir."

"Yes, if you don't make trouble, there will probably be no Aunt Qin Group now."

Wu Yuanfang also sighed. Is the world changing too fast or Ma Yibo developing too fast, and I feel that he can't keep up with the pace.

"Old Zhao, please take the lead in finding 10 institutions with our business dealings, and it is best to help them with it within one month";

"Among these 10 institutions, 4-5 were selected as loans, and the remaining institutions were told to tell them about the development of Qin Aunt Qin Group. They suggested that they buy more or less bonds issued by Qin Aunt Qin Group, and treat it as a fixed financial management company."

"At the same time, if they help Aunt Qin this time, if Aunt Qin will raise funds in the future, they will definitely think of them first";

"By the way, let's bring in the Shengjie Investment, which last invested in Qin Yue's novels, the financial manager of Qin Aunt Group invested from Shengjie. If we can contact these relationships, we usually contact us."

It is worthy of being Wu Yuanfang, and he thought about it very carefully;

Not only did he help Ma Yibo raise the questions, but he also found ways to solve the problems that were not raised;

From this point of view, it is inevitable that Yuanfang Investment will develop from just five or six years to the present.

"Okay, then I'll do it now."

After Zhao Hui left, Wu Yuanfang walked to the floor-to-ceiling window and looked at the traffic outside the window, and his thoughts had already drifted far away;

In the past two years, after getting to know Ma Yi, both in investment and financial careers seemed to be smooth;

Especially the development of Didi and ByteDi, which invested, is no worse than Aunt Qin. However, Aunt Qin occupied too much public opinion under the leadership of Ma Yibo, which led to their reputation being less prominent;

But reputation does not mean only to the general public. For their investment institutions, these two companies are popular;

In addition, their long-range investment in Qin Aunt Food Factory last year, Qin Yue’s novels invested this year, and the significant benefits of stock trading last year, are all related to Ma Yibo;

The most important thing is that Wu Yuanfang felt that Ma Yibo seemed very difficult;

Although he is young, although he is just a second generation of farmers, and even though he has just graduated, he sometimes acts more immaturely, but he always goes to the right point whenever he reaches a key point;

If it is occasionally once or twice, it can be said that it is luck;

But in the past two years, Aunt Qin's development has not only been done once or twice, but it is not an exaggeration to say that it is a step-by-step process to produce lotus;

That's why Wu Yuanfang attaches great importance to Ma Yibo;

Of course, it is not ruled out that Ma Yi saved their Tongtong.

At the end of March, Yangcheng began to become hot;

The just-passed return to the south indicates that the weather is warming up;

So, where is the end of Aunt Qin’s future?

Wu Yuanfang didn't know, maybe even Ma Yibo didn't know it at this moment.
Chapter completed!