Just when Chen Ze and Song Liang were surprised, Li Mu shocked everyone present with one sentence.

Li Mu asked Lao Zhou with a serious expression: "Lao Zhou, if I entrust you to help, I will find a fund company that cooperates with you to customize a direct bank investment fund. Assuming the fund size is 3 billion, the subscriber's three-year annual interest rate is 3%, and the principal and interest are guaranteed. How long do you think it will be sold out?"

Chen Ze and Song Liang were stunned when they heard this, and they were shocked! Xing Investment Fund? Li Mu had to get 3 billion yuan to save Juncheng Real Estate? Isn’t the investment fund linked to securities and stocks? In addition, how exactly this thing is played? I don’t understand at all!

Funds have just become popular in China for a short time, and they are only conducting business in first-tier cities. Chen Ze and Song Liang are not clear about the specific operating model of the fund, so they do not understand how Li Mu is preparing to operate.

However, there are people who understand the industry here. Lao Zhou is an executive of the bank and an expert in the financial field. He is very clear about the current operating model of the fund. However, when Li Mu said he wanted to find a fund company to sell funds, he was stunned and said, "3% guaranteed principal and interest, it should be sold out soon."

As he said that, Lao Zhou further explained: "The key is that fund companies must be able to see strong project income guarantees before they can be willing to start a fund. You promise to protect principal and interest, but fund companies must have absolute protection and profit margins before they can be willing to do it. Moreover, the details here are very chaotic, so it is probably difficult to operate privately."

Lao Zhou thought Li Mu wanted to take advantage of the chaos and immature fund, and make money in the fund market. The amount of 3 billion is not big or small. If he made money in the fund market, the risk of passing it on to banks and fund companies would be too great.

Li Mu said calmly: "I checked the current laws and regulations. The laws and regulations for investment funds are still very vague. Basically, fund companies have great autonomy, and even banks have great autonomy, right?"

Lao Zhou nodded with a tough bullet: "This area is indeed quite chaotic now, and there are not many rigid standards. The country has only introduced some temporary temporary measures."

Li Mu knew in his heart that the fund field was originally a muddy pool. Not to mention now, this industry has not been completely standardized in another ten years. Now he wants to borrow from fund companies and banks' hand-made funds. As long as they feel that they can keep the bottom, they will have a lot of room for operation.

Chen Ze and Song Liang could understand it. Chen Ze asked Li Mu in surprise: "Do you want to use a 3 billion investment fund to solve the funding gap of Juncheng Real Estate?"

Li Mu didn't hide it, nodded and said, "That's right."

Chen Ze nodded and said, "The idea is quite good. The key is to have a three billion fund, three years, guarantee principal and interest. What are you going to use to guarantee the fund company?"

Li Mu smiled confidently and said, "I'll give this fund a guarantee. Once the three-year period arrives, I will redeem the principal and interest at one time."

Song Liang was a little surprised. He said, "Xiaomu, I have no doubt that you can easily redeem these more than 3 billion funds in three years. In fact, it is enough to unblock Juncheng Real Estate's assets and cash out. And we still have some profits, but the question is, what mortgage is available now?"

Li Mu smiled and said: "This is the biggest difference between fund companies and banks. The bottom-up is not a loan, and it is much more troublesome than loans. What the fund companies value is whether I have the ability to bottom-up. I can directly use Juncheng Real Estate to bottom-up fund companies. Banks have their principles and do not accept seizure of assets, but fund companies are much more flexible."

After a pause, Li Mu said: "The current situation of Juncheng Real Estate is very clear. As long as the 3 billion yuan is in place, it will definitely be revitalized in the future. And at least more than 5 billion yuan of plates are revitalized. As long as the fund company understands the specific situation, it will definitely be able to judge whether this project is risky. I believe that in the face of sufficient profits, they will definitely be willing to do it. After all, it is not their funds, but investors. For them, as long as they run funds, they can use investors' money to make my money. What else do they have to worry about?"

Although Lao Zhou didn't know about Juncheng Real Estate, he partially agreed with what Li Mu said, saying: "Fund companies are indeed much more flexible, but they will be more cautious to some extent. If the seized assets are highly likely to be unblocked, they may recognize the value in private, but the amount of recognition will also be discounted, and the longer the redemption time, the less they will be."

Song Liang and Chen Ze are also worried about this. Juncheng Real Estate has been seized by the court, and there will be more or less risks in it. Although the fund company is pursuing profits, is it worth their current situation of Juncheng Real Estate worth their risk of more than 3 billion yuan?

Li Mu waved his hand, snorted and said, "It doesn't matter. If they feel that Juncheng Real Estate can't afford 3 billion yuan, I will take Muye Technology to pay for it. Anyway, we all know that Juncheng Real Estate's fatal threat is bank loans. As long as the loan is paid, the rest is only a matter of time. Isn't three years enough?"

"No matter how brave the local public security, procuratorial and judicial departments are, they will never dare to seal a company with assets of more than 5 billion yuan for more than three years. Lanke Group does not have such great ability. What's more, as long as this plan works, Weilan will transfer 80% of Juncheng Real Estate's shares to Wanying. Once the transfer is completed, both the local public security, procuratorial and judicial departments and Lanke Group will have to think again. What they sealed is no longer Juncheng, but Wanying's industry. Moreover, with Muye Technology's guarantee, they have to consider my influence, right?"

Chen Ze's eyes lit up: "It sounds really feasible!"

Li Mu smiled confidently and said, "Of course, we all know that after paying off the 3 billion loan, the more than 5 billion total assets that Juncheng Real Estate were seized will definitely be released. For these more than 5 billion assets, plus Muye Technology, the two companies have a total of 3 billion yuan. Will the fund company still have no guarantee? And the guarantee is not a mortgage. I just need to take out more than 3 billion to accept it when it expires. The risk is only money."

Old Zhou nodded repeatedly: "If you say so, the fund company must have a bottom line. The key is Mr. Li, how much profit can you give them?"

Li Mu said: "Including the interest to subscribers, the profit points to the fund company and the profit points to the bank, I will make a full decision. I will give 800 million profits to all links, right?"

Lao Zhou nodded and said, "It's not possible to get so much. The subscriber's annual interest rate of 3% and the total interest rate for three billion years is 270 million. For fund companies, they will definitely be in a hurry to make up for the bottom line and make up for them with a gross profit of 500 million."

Li Mu asked him: "If this is the case, then your bank will be responsible for direct sales. How much profit will it be to pay to your bank?"

Old Zhou thought for a moment and said, "With Mr. Chen here, I won't speak much. Once your fund is available, we will only give two points to the fund company at that time."

Li Mu asked him: "If I count this way, I can only pay 3.56 billion yuan to the fund company in three years, right?"

Lao Zhou nodded: "That's right, it's enough."

Li Mu immediately became happy and slapped the table: "The cost of 560 million is much lower than the cost of a loan! It is a lot more savings than what I expected. Lao Zhou, please help me contact the fund company, it is best to meet today!"

Lao Zhou said, "Then I will make a call and come over to chat in person." As he said that, Lao Zhou picked up his cell phone and left the office first.

As soon as Old Zhou left, Song Liang looked at Li Mu with amazement and said, "Fuck, okay, Xiao Mu, you can think of this method. If this succeeds, wouldn't it have a profit of more than one billion?"

Li Mu nodded: "If the cost is 560 million, the profit margin can be less than 2 billion. If this matter is reliable, I hope the court will really delay the lockdown for three years. In three years, the housing prices of Juncheng Real Estate may double! In that case, the net profit margin may reach 3, 4 billion or even more."

Chen Ze said: "Juncheng Real Estate is Weilan's property. In the end, we took the big head. If this happens, there will be a gap in the future, right?"

Li Mu said: "This is the spirit of a contract. You have to admit it after signing it. If she will have a gap in her heart because of the contract, she may not be able to become a real partner. On the contrary, if she shows her value in Wanying within these three years, then after the whole thing is over, in addition to the 800 million cash promised to her, we will appropriately take out some Wanying shares to give her as incentives and compensation, so that everyone will have an unbreakable partnership in the future."

Song Liang clapped his hands and said in agreement: "This idea is so damn awesome. If it is successful, it will be possible to solve the 3 billion yuan fund hole without paying a penny, and at the same time, it will take advantage of billions of profit margins in the future. I think this method is not only suitable for Juncheng Real Estate's current affairs, but also if we want to cash out a large amount of funds in the future. The threshold is low, the cost is low, and it is very cost-effective!"

Li Mu waved his hand: "Use extraordinary methods when it is very timely. I don't use this method now. There will definitely be other people using it in the future. But no matter who uses it, it will attract a lot of imitations. Once someone follows it, someone will definitely cheat it. At that time, the country will definitely come forward to control it. We can take advantage of the chaos to take advantage of the situation, but we must stop at the right time. So I will only be playing this trick this time."

Song Liang looked at Chen Ze with a helpless look and sighed: "See, he thought of a new model and said he would only play this time. What's your psychology?"

Chen Ze smiled and said, "What kind of psychology? He has to pretend to be alone. Why both of us care about his mentality?"

Having said that, Chen Ze truly admired Li Mu very much, and he felt that Li Mu, the partner, really contained infinite possibilities.

Song Liang had the same opinion in his heart, nodded, and said in a singular manner: "Okay, let's stop talking nonsense, just applaud Boss Li first!"
Chapter completed!