Winning the new financial era

Chapter 80

After being decadent for a long time, He Shenghua cheered up again. He didn't dare to delay for a moment, and quickly called a meeting of the group's senior executives.

In the conference room, He Shenghua sat at the top, looked at the financial director Xiang Li calmly, and said:
"Xiao Xiang, please compile a copy of the financial statements of the entire group for me, and it must be completed within today!"

Xiang Li was a little strange, but didn't say much, and nodded in response.

He Shenghua looked at Yu Moudao again, and said:

"Moutao, you arrange the company's customer service here to make a call back to the users whose investment has expired recently, try to let the users re-invest, and reduce the loss of cash withdrawals."

Yu Mooutao looked at He Shenghua. He knew the operation situation best. He knew that it was already in danger. He Shenghua's purpose was to relieve the financial pressure.nodded and said:
"Mr. He, don't worry. I will definitely arrange the work in place!"

Then He Shenghua looked at Liu Kuan, the sales director of Jingrui Loan, and said lightly:

"Kuanzi! In the next period of time, you will try your best to recover the bridge loan that has been issued.

In addition, in addition to the original bank funds, Jingrui Wealth Platform may not be able to provide new funds for the time being.

Therefore, the business scale of loan subsidiaries should be reduced. "

There was a trace of surprise in Liu Kuan's eyes, and he asked cautiously:

"Mr. He, what happened?"

"Yes, Jingrui Wealth will make some business adjustments. Try to stabilize the basics of Jingrui Loan!"

He Shenghua didn't want to hide his confidant who had been with him for many years, but he also didn't want to make it too clear.

Liu Kuan nodded and didn't ask any more questions.

After the meeting, He Shenghua kept Xiang Li and Yu Moudao behind, told them the real situation, and asked them to make suggestions together.

"Mr. He, as I said earlier, the advertising is too impatient. After a few months, 4000 to [-] million funds were wasted like this."

Knowing that He Shenghua was "shame", Xiang Li was a little aggrieved. Out of the sensitivity of a financial worker, she was very opposed to this dangerous way of operating.

"Yeah! I'm all to blame for this. Hey, I was too anxious, which led to this situation."

He Shenghua said angrily, regretting that he trusted the villain at the beginning.

"Mr. He, the most urgent task is to solve the difficulties that may arise later."

Yu Moudao reminded that after he learned the truth from He Shenghua, he knew that what he was facing would be a huge mess.

"Yes, let's not talk about the past. Let's discuss how to solve this mess first!"

He Shenghua also forcibly cheered himself up. He knew that as the backbone of the company, he had to maintain that spirit.If he loses his fighting spirit, then the people below will be in chaos.

He Shenghua regained his energy, looked at the two of them and said:
"I still have some wealth, and this time I plan to invest in it and try my best to stabilize the situation.

If you survive this test, the salaries of the two of you will be doubled, and you will be given some equity.

If it doesn't work out, I'll take all the debt.Both of you should leave early! "

"Mr. He, there's no need for that. I've worked with you for so many years, and I'll accompany you through this test."

Although Xiang Li is a woman, she also said boldly at this time.

"Mr. He, although you and I have only worked together for a month, I also admire your character and responsibility. The current situation is not completely without chance of turning around."

Yu Mooutao said calmly, he believes that the current situation is both a crisis and an opportunity.

"Oh, tell me!" He Shenghua said hastily, and together with Xiang Li, they turned their hopeful eyes to Yu Moudao.

Yu Moudao analyzed:

“目前我们平台3.6亿待收，6月要还1.1亿，7月要还2.2亿，8月要还0.3亿。

Now we recover 1.5 million short-term bridge funds in the short term, that is, within one month, and add 1000 million risk reserves to 1.6 million.

What really tested us was the 2 million long-term housing loan funds, which could not be recovered in the short term. "

Speaking of this, he paused, and continued:
"As long as more than 2 million funds enter our platform every month, this debt can continue.

But in our current situation, once the advertisement is stopped, it is very difficult to do so.

This way is obviously not going to work!
There is another way, that is to transfer the debt!

2 million loan principal, 1 million for one-year period and 24 million for two-year period each, with an interest rate of 2.72%. The total value of the debt with interest is [-] million.

Our price of 2 million is transferred out, and we do not make any money. As long as we can exchange 2 million in cash in a short period of time, the crisis of Jingrui Wealth will be resolved immediately!

only……"

Glancing at He Shenghua, Yu Moutao sighed and said:

"It's just that the pending income of our Jingrui Wealth will be reduced to 0. Going around for a few months, spending 4000 million is equivalent to nothing!"

He Shenghua's face was also not very good-looking, after all, no one wants to see the project that has invested most of his life's wealth cleared.

But after he thought about it carefully, this should be a blessing in misfortune. If there is a run, it will be some kind of fundraising. Wait for the rest of your life to eat the national meal!
Moreover, Jingrui’s wealth is gone, but Jingrui’s loan is still there!If you go back to your old job, you can still maintain a basic life.

He Shenghua looked at Yu Moudao and asked tentatively:
"Is there any institution willing to undertake our 2 million mortgage claims?"

"It should be found, but it is estimated that a guarantee agreement will be signed!" Yu Mooutao said after thinking about it, and he didn't say too much.

"You mean, some institutions are afraid that the 2 million debts will be too bad, so they need us to provide a guarantee?"

He Shenghua felt that his mind was opened all of a sudden, as long as the 2 million long-tender loan was settled, he could still land safely.

"Yes, our 2 million transfer of creditor's rights is equivalent to the transfer of the original price. For the undertaking institution, it is no different from lending by yourself. You may also feel that you are at a disadvantage because you did not lend by yourself and have no certainty.

Therefore, we need to provide guarantee credit enhancement!
If there is a bad debt, we will repurchase it to ensure that the interests of the other party will not be lost.

In this way, the loan principal of 2 million plus the interest of 7200 million is basically foolproof for the undertaking institution. "

Yu Moutao said everything he thought of.

"Then there is indeed a high degree of confidence that the debt will be transferred. It is equivalent to picking up money for nothing.

When there are bad debts, we come to recover the bottom line. The interest of 7200 million is equivalent to being firmly pocketed by them. "

He Shenghua said with emotion, with mixed feelings in his heart.

"Then what do we use for guarantee and credit enhancement?" He Shenghua asked again.

"Use the equity of Jingrui Loan Company!" Yu Mooutao looked at He Shenghua and spoke directly.

"Does it have to be like this?" He Shenghua still has deep feelings for the company he started, so he couldn't help asking.

"Even with the equity of Jingrui Loan Company as a guarantee, there is only a [-]% to [-]% certainty that the debt will be transferred.

After all, this is 2 million yuan, which is not a small amount, and the undertaker will still take some risks. "

Yu Moudao is not 100% sure about this matter, he can only say that he will do his best.

"Okay, done! Mou Tao, you are in charge of contacting the creditor's rights agency! Negotiate this matter as soon as possible."

He Shenghua also knew that the situation was urgent and he had to make a decision early. If it was delayed, the situation would only get worse.

"Okay, Mr. He, I'll do it when I get down." Yu Moutao responded, and reminded again:
"Huasi Chuangxing still has one month to cooperate with us, and they will have to introduce 2.4 million funds to us in the next month.

So, there is only one month left for us! "

He Shenghua nodded and said:

"Yes, let's see if there is a chance to resolve the crisis in the last month!"

Turning her head to look at Xiang Li again, she asked:
"Next, take stock of the group's funds. Jingrui Wealth mainly focuses on stabilizing the current situation, and Jingrui Loan also needs to make a smooth transition. Don't mess it up!"

After He Shenghua assigned tasks to the two, he began to think about counterattack.

After suffering such a big loss, it is impossible for him to let it go.

Call the legal affairs officer and ask him to take a look at the cooperation signed with Huasi Chuangxing.

The legal officer said seriously: "Mr. He, the situation is not ideal. In the cooperation we signed with Huasi, they only guarantee the investment amount of monthly drainage. There is no requirement for the subsequent conversion rate.

If we sue them, there is a high probability that we will not win the lawsuit. "

He Shenghua was a little frustrated, knowing that this time the mute would suffer.Immediately asked again:

"What about Wang Qihang? He colluded with Huasi to make our company suffer tens of millions of losses. Is there any way to stop him?"

"Wang Qihang is suspected of accepting commercial bribes. I suggest preparing materials and reporting the case to the police." said the legal counsel.

If you want to say that the person He Shenghua hates the most now is Liang Weimin first, and Wang Qihang second.

"Eat the inside and outside!" He Shenghua secretly said, and immediately instructed the legal affairs to start collecting evidence, preparing to report the case to the public security organ.

At the same time, He Shenghua still had an idea in his mind, which was to use Wang Qihang to pull out the carrot and bring out the mud, and give Huasi Chuangxing a severe blow.

……

After Yu Moutao took over the assignment of mortgage creditor's rights transfer, he first packaged 2 million mortgage creditor's rights, involving a total of more than 400 borrowers' creditor's rights, into an asset package.

Holding the assets package, Yu Mooutao started his sales journey.

Local AMCs, asset management companies, online lending companies, and other large and small institutions add up to twenty or thirty.

The lips are all worn out, and they haven't talked about the next ideal price for cooperation.

The best condition is an online loan company, which is willing to take over Jingrui Wealth's debt with a 8% discount, which is 1.6 million yuan.

Like other AMCs and asset management companies, they all deal with bad debts, and the lowest one is only willing to take over 5% off, which is 1 million yuan, to undertake Jingrui Wealth's "secondary mortgage" claims.

Yu Moudao also knew that he was too optimistic.

Jingrui is now selling creditor's rights. In the eyes of other institutions, it is either a toxic debt or Jingrui's capital chain is broken.

In either case, it is impossible to undertake your debt at the original price.Even if you add a loan company with an annual profit of 700 million as a guarantee.

Yu Moudao reported the situation to He Shenghua, and He Shenghua was ten years older, and he didn't speak for a long time.

He Shenghua knew that he might not be able to pass this test.Shut himself in the office every day, smoking and drinking heavily, waiting for the fate of the final judgment.

Seeing this, Yu Moutao shook his head. He Shenghua accepted his fate, but he didn't accept his fate. He dialed a phone and said:
"Hello, is this Young Master Liang?"

(End of this chapter)