RINAPE :: Volume #8

#727: Fund internal subscriber

LNMTL needs user funding to survive Read More

Li Mu meets in Muye Science and Technology, Song Liang cannot repress excitedly makes the phone call, told Li Mu him to wait for a morning information. 李牧在牧野科技开完会,宋亮按耐不住兴奋的打来电话,告诉李牧一个他等了一上午的信息。 Song Zhilei has signed! 宋志磊已经签约了！ The transfer of share rights agreement becomes effective immediately, Wan Ying also paid for the 20 million RMB acquisition charges to him, from that moment on, Juncheng Real Estate became the Wan Ying 100% holdings enterprises. 股权转让协议即刻生效,万盈也向他支付了两千万人民币的收购费用,从这一刻起,俊成地产成了万盈100%控股的企业。 Carries out thoroughly to acquire actual assets in 2 billion even higher enterprises, the cost of Li Mu actual outlay actually only has 20 million, as for remaining eight hundred million, three years later will pay to Wei Lan, 20 million wrestle 2 billion, the lever enlarges is over 100 times! 彻底完成收购一个实际资产在二十亿甚至更高的企业,李牧实际支出的成本竟然只有两千万,至于剩下的八个亿,三年后才会支付给蔚澜,2000万搏20亿,杠杆放大超过100倍！ Li Mu asked Song Liang: „Said to Old Chen?” 李牧问宋亮:“给老陈说了吗？” „Also no, first calls to inform the good news you, later I call him again.” “还没,先给你打电话通知喜讯,待会我再给他打。” Li Mu hastily said: „Brother Liang, telephones to Old Chen later, making him probably urge that side Old Zhou and Zhao Haichao hurry the flow, strives to distribute the fund in the shortest time!” 李牧急忙说:“亮哥,待会儿打电话给老陈,让他务必催促老周和赵海潮那边赶紧走流程,争取在最短的时间内发行基金！” Song Liang said with a smile: „Relax, Old Zhou and Old Zhao these two people are more careful than you.” 宋亮笑道:“放心吧,老周和老赵这两个人比你还上心。” Song Liang said right, Old Zhou and Old Zhao are truly more careful than him. 宋亮说的没错,老周和老赵确实比他还要上心。 Is born from the internet bubble now, the China economic situation not, the domestic demand dispirited is the major problem, the country for the stimulation investment as well as increases the expense, from 1996 to 2002 6 years, 8 rate cut, hoping the people can take from the bank money, stimulates the domestic economy. 从互联网泡沫诞生到现在,华夏的经济形势并不算好,内需不振是大问题,国家为了刺激投资以及增加消费,从1996年到2002年的六年时间内,八次降息,希望民众能够把钱从银行里拿出来,拉动国内经济。 In this general economy form stimulates the people money the environment that takes from the bank, the bank embraces storage is a major problem, embraces storage to be a problem, the income is greatly affected, therefore Old Zhou also has the performance pressure. 在这种整体经济形式才刺激民众把钱从银行取出来的大环境下,银行揽储是个大问题,揽储成问题,收入就大受影响,所以老周也有绩效压力。 The fund year interest rate that Li Mu must push achieves 3 percentage points, has also wanted compared with the present national debt interest rate high, in addition the national debt must snatch, this interest rate is higher bank that moreover the fund of capital-product guaranteed interest, to conducting to sell, the sale will be more relaxed. 李牧要推的基金年化利率做到三个百分点,已经比眼下的国债利率还要高了,国债尚且要抢,这种利率更高而且保本保息的基金,对进行代销的银行来说,销售就会更加轻松。 By the Old Zhou rank, several million profits are not what important matters, but he, if attains the bank this model of finance product, then quite therefore gave itself the basic unit staff very good benefits of bank, in bank system has had unwritten rules: The high-quality fund is very difficult to buy, because first gives the bank worker and staff relative and friend subscribes, this fund to the bank workers, is an extra small benefits. 以老周的级别,几千万的利润不算什么大事,但他如果把这款理财产品拿到自己银行,便相当于是给了自己银行的基层员工一个非常不错的福利,银行系统内一直有一个潜规则:优质的基金都很难买,因为优先给银行员工以及员工亲属、朋友认购,这支基金对银行员工来说,算是一个额外小福利。 To Old Zhou, what is more important is the hope can with Chen Ze and Li Mu such awesome person bind together, later is the advantage is naturally infinite. 对老周来说,更重要的还是希望能跟陈泽、李牧这样的牛逼人绑在一起,以后自然是好处无穷。 Zhao Haichao also has the same demand, Juncheng Real Estate + Muye Science and Technology, two companies revealed 3 billion, this fund definitely was nothing risk, moreover there is a considerable profit, this point tallied his demands by, in addition, can take the opportunity to know that Chen Ze and Li Mu, to him was also a very important harvest, he wants to make in the shortest time this fund, then lost to Old Zhou pushes out, melted rapidly 3 billion groups of Li Mu, this quite therefore took a favor in their. 赵海潮也有一样的诉求,俊成地产+牧野科技,两个公司兜底三十亿,这支基金肯定是没有什么风险的,而且还有可观的利润,这一点就符合他的逐利诉求,除此之外,能借机认识陈泽、李牧,对他而言也是一件非常重要的收获,他很想在最短的时间内把这支基金做出来,然后丢给老周来推出去,迅速把三十亿帮李牧融到手,这就相当于是在两人那里拿下一个人情。 The Chen Ze telephone hits to Old Zhou, told him to be ready, Old Zhou synchronizes immediately with Zhao Haichao. 陈泽电话打给老周,告诉他一切准备就绪,老周立刻与赵海潮同步动了起来。 Zhao Haichao makes a general data, this overall issuance scale is 3 billion time, to guarantee sincerity, the commission of fund company is like the principal and interest of investor, settles accounts three years later again, the bank 60 million retail handling charge, pays for by Wanying Real Estate in advance. 赵海潮做出一个大概数据,这一次的总发行规模是30亿,为了保证诚意,基金公司的佣金和投资者的本息一样,在三年之后再行结算,银行六千万代售手续费,由万盈地产预支付。 Three years later can attain the profit, Zhao Haichao is not worried about any risk, is not worried about the profit to be sluggish, after all distributes the fund he himself also to have no cost, nothing but with the aptitude of oneself fund release, as well as in the relations of insurance company system, own fund company distributes, the master insurance company to insure, in addition Li Mu here revealing, the fund is completely reasonable legitimately, has not played any edge ball, in this case, the profit sluggishly is not the major problem. 三年后才能拿到利润,赵海潮并不担心任何风险,也不担心利润迟滞,毕竟发行基金他自己也没什么成本,无非就是用自己基金发行的资质,以及自己在保险公司系统的关系,自己的基金公司发行、老东家保险公司承保,再加上李牧这边的兜底,基金就完全合理合法,没打任何擦边球,这种情况下,利润迟滞也不是什么大问题。 At noon Zhao Haichao can ignore the rest, bringing a team to start to walk the fund flow fast. 中午赵海潮顾不得休息,带了一支团队开始快速走基金流程。 He first rushes to Wanying Real Estate, checked the agreements of Wanying Real Estate to Juncheng Real Estate 100% holdings to be unmistakable, then in revealing the agreement signed by legal person Song Liang, later he nonstop rushing Muye Science and Technology, in the Li Mu's office, signed all detail contracts of agreement as well as fund release that Muye Science and Technology and Juncheng Real Estate revealed together with Li Mu. 他先是赶到万盈地产,核对了万盈地产对俊成地产100%控股的协议无误,然后由法人宋亮在兜底协议上签字,随后他又马不停蹄的赶到牧野科技,在李牧的办公室里,与李牧签订了牧野科技与俊成地产共同兜底的协议以及基金发行的所有细节合同。 After these written flows walk, Zhao Haichao then hastily must say goodbye, said to Li Mu: „I go back to submit the material to make the examination now, the present examination responsibility did not have completely explicitly, actually walks a flow, can examine and approve to complete at earliest this afternoon.” 这些书面流程走完之后,赵海潮便急忙要告辞,对李牧说:“我现在回去递交资料做审批,现在的审批责任都还没有完全明确,其实就是走个流程,最快今天下午就能审批完成。” Li Mu asked him: „When can that give the bank to sell on behalf of someone?” 李牧问他:“那什么时候可以交给银行代售？” Zhao Haichao said: „ The documents of all needs are prepared, theoretically after we examine and approve this afternoon, can directly the information docking to the bank, making them start to sell, we and they have the framework agreement, can not use the flow directly our fund finance product on the shelf. 赵海潮说:“所有需要的文件都已经齐备,理论上我们今天下午审批出来之后,就可以直接把信息对接给银行,让他们开始代销了,我们和他们有框架协议,可以不用走流程直接把我们的基金理财产品上架。 The Li Mu great happiness, takes off/escapes the tastes: „That the quicker the better, I and others your news!” 李牧大喜,脱口道:“那就越快越好,我等你消息！” Zhao Haichao returns to the company then to start with the quickest speed to walk the procedure/program, this fund was named as „Tonghai real estate development”, Tonghai is Zhao Haichao the abbreviation in fund company, the real estate represents this/should fund tendency the domain, is immaterial as for the following suffix. 赵海潮回到公司便开始用最快的速度走程序,这支基金被定名为“通海地产发展”,通海是赵海潮所在基金公司的简称,地产代表该基金倾向的领域,至于后面的后缀无关紧要。 3 : 30 pm, all walked including the examination and insurance all flows, reason that was so fast, benefits from the inadequacy of present fund industry control system. 下午 3 点半,包括审批、承保在内的所有流程就全部走完了,之所以这么快速,也得益于眼下基金行业管理制度的不健全。 The Haitong real estate develops total quantity issued 3 billion Yuan RMB, is insured the insurance, Juncheng Real Estate and Muye Science and Technology by the Haitong fund release and Shoukang reveals, the commercial bank sells, the fund is the capital-product guaranteed interest regular fixed quantity investment fund, takes 10000 Yuan to subscribe as the unit, the subscriber deadline unification is three years, three years later one-off cashing principal and interest, if the middle has the large-scale run, will be responsible for undertaking the run by the insurance company, Li Mu according to giving the interest proportion of subscriber pays to the insurance company ; If three years later Juncheng Real Estate and Muye Science and Technology are unable to cash this fund, will then cash to the subscriber by the insurance company, again fulfills the creditor's rights relations with insurance companies from Juncheng Real Estate and Muye Science and Technology. 海通地产发展总发行量30亿元人民币,由海通基金发行、寿康保险承保、俊成地产与牧野科技兜底,商业银行代销,基金为保本保息定期定额投资型基金,以10000元为单位认购,认购期限统一为三年,三年后一次性兑付本息,如果中间发生大规模挤兑,由保险公司负责承担挤兑,李牧会按照给认购者的利息比例支付给保险公司;如果三年后俊成地产和牧野科技都无法兑付这笔基金,那么将由保险公司代为向认购者兑付,再由俊成地产和牧野科技来履行与保险公司之间的债权关系。 In brief, in three years of deadline, Li Mu takes away this 3 billion on does not have any fund pressure, a middle condition has the insurance company to conduct the shoulder, three years later Li Mu wants according to the contractual requirement, with 3.5 billion cashed was OK, this agreement to Li Mu, was stress-free. 总之,三年期限内,李牧拿走这三十亿就没有任何资金压力,中间出状况有保险公司扛着,三年后李牧只要按照合约规定的,用35亿来兑付就可以了,这个协议对李牧来说,毫无压力。 „Haitong real estate development” walks the examination and insurance flow time, Old Zhou called him to be responsible for the fund selling on behalf of someone the system medium high level in the bank to meet, in the conference, Old Zhou hidden went to Juncheng Real Estate, Wanying Real Estate as well as Muye Science and Technology, but told everyone, the investment fund by Haitong release and Shoukang being insured must through own bank release, three-year, the annual interest rate 3%, had the insurance company to insure, capital-product guaranteed interest. “海通地产发展”走完审批和承保流程的时候,老周召集了他所在银行负责基金代售系统的中高层开会,会议上,老周隐去了俊成地产、万盈地产以及牧野科技,只是告诉大家,有一款由海通发行、寿康承保的投资基金要通过自己的银行发行,三年期,年利率3%,有保险公司承保,保本保息。 Manager who this news announcement, on the board is responsible for various branch fund businesses on cooker. 这个消息一公布,会议桌上负责各分行基金业务的主管就炸锅了。 Six years eight rate cut, the bank interest has lowered made the blood boil, the national debt interest is slightly higher, but the amount is limited, most of funds seize the chance to crop up, but majority not capital-product guaranteed interest, most can only pledge to suffer no loss of capital, such finance product has no attraction to user. 六年八次降息,银行利息已经低的令人发指了,国债利息稍高一些,但数额有限,大部分基金趁机冒头,但大多数不保本保息,最多只能承诺保本,这样的理财产品对用户来说没什么吸引力。 3 billion annual interest rates 3% the fund of capital-product guaranteed interest, the high-quality degree of this fund has covered in their hands directly all fund products. 30亿年利率3%又保本保息的基金,这支基金的优质程度直接盖过了他们手里所有的基金产品。 Therefore everyone is closely examining a Old Zhou matter: „Can 3 billion, how many keep to the internal staff?” 于是大家都在纷纷追问老周一件事:“三十亿,能给内部员工留多少？” The Old Zhou big hand wields: „Haitong holds the thigh now, therefore dares to push this fund, to the Haitong confidence, we naturally is sells the quicker the better, therefore my time gives your request to only have an objective: The quicker the better, if the internal staff and family member can subscribe in one day, that makes them subscribe, if the subscriber, lets the super client that your customer managers relate the management business, the direct recommendation, this 3 billion sells with the quickest speed, making that side Haitong hold in high esteem to us!” 老周大手一挥:“海通现在抱上大腿了,所以才敢推这种基金,为了给海通信心,我们自然是卖得越快越好,所以我这次给你们的要求只有一个宗旨:越快越好,如果内部员工和家属能在一天之内认购完,那就让他们来认购,如果认购不掉,让你们的客户经理联系理财业务的大客户,直接推荐,用最快的速度把这三十亿卖出去,让海通那边对我们刮目相看！” Old Zhou has not spoken the truth, he does not want to make Haitong hold in high esteem to himself, but wants to let Li Mu and Chen Ze holds in high esteem to oneself. 老周没说实话,他不是想让海通对自己刮目相看,而是想让李牧和陈泽对自己刮目相看。 The manager who under Old Zhou this group specifically is responsible for the fund is also happy, this good finance fund, to bank system is the internal benefits, even oneself, relative could not subscribe so many, introduced that subscribed to the friend and schoolmate is a favor, why not go ahead with it? Often has outside person to seek the bank internal employee help to buy the high-quality fund, the young fellows in many bank even depended on this to handle the object and mother-in-law, this benefits simply do not moisten. 老周手底下这帮专门负责基金的经理也都非常开心,这种好的理财基金,对银行系统来说就是内部福利,即便是自己、亲属认购不了这么多,介绍给朋友、同学认购都还是一种人情,何乐不为？经常有外面的人求银行内部员工帮忙买优质基金,不少银行里的小伙子甚至靠这点就搞定了对象和丈母娘,这种福利简直不要太滋润。 The commercial bank in the Yanjing altogether more than 100 subbranch selling areas and more than 4000 staff, the interior digests 3 billion should not be the major problem, even if internal within one day cannot digest, these super clients can still help digest in one day, 3 billion seemingly many, but places in bank system, on a drop in the bucket. 商业银行在燕京一共有一百余家支行营业厅、四千多名员工,内部消化三十亿应该不是什么大问题,就算是内部一天之内消化不掉,那些大客户也能在一天之内帮忙消化掉,三十亿看起来很多,但放在银行系统里来看,也就九牛一毛。 Therefore Old Zhou breaks up early, making everyone hurry the respective post, in subbranch interior circular of respective management, then counts the quantity of internal subscriber to feed back before 10 : 00 pm gives itself. 于是老周及早散会,让大家赶紧回各自岗位,在各自管理的支行内部通告一下,然后在今天晚上十点之前统计出内部认购的数量反馈给自己。 Because Old Zhou and administrators carry out to be assigned, under the commercial bank Yanjing branch more than 4000 staff, then received this good message before getting off work, the bank internal employee saw Haitong release and tranquillity insurance, after capital-product guaranteed interest these three key points, knows that this fund was the absolute high-quality fund, was absolutely impossible to compensate, the interest rate was also high, was stronger than much the national debt, therefore is basically calculating itself to subscribe many to the finance interested staff, then called the lover and family member discussed, had a look altogether to be capable of subscribing many. 由于老周以及手下管理人员执行到位,商业银行燕京分行下面四千多名员工,在下班之前便接收到了这个好消息,银行内部员工看到海通发行、泰康承保,保本保息这三个关键点之后,就知道这支基金是绝对的优质基金,绝对不可能赔,利率又高,比国债还强出不少,于是对理财有兴趣的员工基本上都在盘算自己能够认购多少,然后再打电话给爱人、家人商量,看看一共有能力认购多少。 Because the evening is summer Brand Day of Taobao net opens sells, Li Mu must go to the Taobao net to accompany the team to fight bravely, therefore returned to nearby the company that apartment to rest in the afternoon a while, made up a sleep/felt, decided 11 point alarm clock, the didn't expect ten points time was awakened by noise by the Chen Ze telephone. 因为晚上是淘宝网的暑期品牌日开售,李牧要去淘宝网陪着团队奋战,所以下午回公司附近那套公寓房休息了一会儿,补了个觉,定了个十一点的闹钟,没想到十点的时候就被陈泽的电话吵醒。 Chen Ze in In short that telephone said is: „3 billion fund Old Zhou have all sold in advance.” 陈泽在电话里说的第一句话就是:“三十亿基金老周已经全预售出去了。” The Li Mu sleepiness is dim, hears this saying to quickly grasp the meaning of something to turn over/to stand up: „What? All sold in advance?” 李牧还睡意朦胧,听到这话一个激灵翻身起来:“什么？全预售出去了？” Chen Ze un, could not repress said excitedly: „Sweeping away, the entire his mother is the commercial bank internal employee and family member subscribes, one point has not remained......” 陈泽嗯了一声,按耐不住兴奋的说:“一抢而空,全他妈是商业银行内部员工和家人认购的,一分没剩……” ( To be continued. 16-12-29 (未完待续。、,您的支持,就是我最大的动力。)16-12-29 12:10: 09 12:10:09
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