6 th, the distant placepromotes the expenseloan, 7 th, the distant placepromotedenjoyed the loanspecially.
六号,远方推出消费贷,七号,远方推出了专享贷。Twotypes of loans, caused a bigreactionin the usercommunity.
两种贷款,在用户群体中引起了不小的反响。Somepeoplesupport, somepeopleopposed.
有人支持,有人反对。Evenalsosomepeoplesaid,LiDongxiangmade moneyto thinkinsanely, nowunexpectedlystartsto start the usurybusiness.
甚至还有人说,李东想赚钱想疯了,现在居然开始做起了高利贷生意。Regardingthesetopics, the distant placehas not madeanyresponse.
对于这些话题,远方这边没做任何回应。Regarding the consumptive loan and petty loan, isgoodisbad, thisbeing different from person to person, the idea of everyone is different, somepeoplesupportnaturallysomepeopleto oppose.
对于消费贷款和小额贷款,到底是好是坏,这点因人而异,每个人的想法都不同,有人支持自然就有人反对。AlsosomepeopleweeptoLiDongsentiment, felt the distantmore and moreatmosphere.
也有人对李东感情涕零,觉得远方越来越大气了。Compared with the tediousflow of bank, distanthereprocedure/programis very simple, severalminutesto the account, thisto the person who spends moneyeagerly, simplyare the gospels.
和银行的繁琐流程相比,远方这边程序很简单,几分钟到账,这对一些急于用钱的人而言,简直就是福音。But the distant placepromotesindividualloanat the same time, somesmall and medium-sized enterprisesareanticipate.
而远方推出个人贷的同时,一些中小企业则是期待起来。At08years of Internetcongresses, LiDongandhorseYunsaid that mustsupport the small and medium-sized enterprise, the bankdoes not give the small and medium-sized enterpriseto loan, theychange the bank.
08年的互联网大会上,李东和马昀说要扶持中小企业,银行不给中小企业贷款,那他们就去改变银行。Words that on the same daytheyspoke, was not somewhat worth mentioning.
当日他们说的话,有些不值一提。Yet now, as the distant placeattained the consumer financelicense, thismattermighthappen.
可如今,随着远方拿到了消费金融牌照,这种事就有可能发生了。Naturally, the presentexpenseloanquotais not high, moreoverscope of consumption that aims , the expenseloan that the distant placemakesnowactuallysomewhatleaning, butwell in view ofindividual, in additionlowquota, inlegal not clearsituation, no onesaidanything.
当然,现在的消费贷额度不高,而且针对的还是消费领域,远方现在做的消费贷其实有些偏,不过好在是针对个人,加上低额度,在法律不清晰的情况下,也没人说什么。May the enterprise loanin view ofsmall and medium-sized enterprise , without the smallloanlicense, the distant place unable to conduct to make loanstothem.
可针对中小企业的企业贷款,没有小贷牌照,远方是无法对他们进行放贷的。Therefore, at this moment, somespends moneyurgently needed, is unable to obtain the loanin the bank the enterprise, earnestly hopes that the distant placecanattain the networksmallloanlicenserapidly.
所以,此时此刻,一些急需用钱,又在银行无法获得贷款的企业,都迫切希望远方能迅速拿到网络小贷牌照。So long asattained, according to the style of distant place, to the front door that the small and medium-sized enterprisemakes loans, quickis opened.
只要拿到了,按照远方的行事风格,对中小企业放贷的大门,很快就会被打开。
......
……
The small and medium-sized enterpriseduring the anticipation.
中小企业在期待的同时。Distant place.
远方。LiDongis also exhorting, „ smallloanlicensemusttakeas soon as possible, nowAlitheyare promotingslightlyto loanproviding of license, althoughwehave the consumer financelicense, butslightlyloans the licenseto take, was favorableforus.
李东也在这么嘱咐,“小贷牌照要尽快拿到手,现在阿里他们都在推动小贷牌照的发放,我们虽然已经有了消费金融牌照,可小贷牌照拿到手,对我们就更有利了。Alicaninbe getting better and better before, lies inthey who the b2bdomaindoeshelpssomesmall and medium-sized enterprises, opened the international market.
阿里之前能在b2b领域做的越来越好,就在于他们帮助一些中小企业,打开了国际市场。InHuaxia, somepotentialsmall and medium-sized enterprises, the helptoenterprise are very actually big.
在华夏,一些有潜力的中小企业,其实对企业的帮助很大。Sometimes, ourtheseenterprise, needsmassivesmall and medium-sized enterprisecoordination and support.
有时候,我们这些企业,都需要大量的中小企业配合和支持。Several years ago, weactuallyindependent combat.
前几年,我们其实一直都是在单打独斗。Until09years, weestablished the retailalliance, won over some small and medium-sized enterprises of retaildomain, at this time, weweresticking together.
直到09年,我们成立了零售联盟,才拉拢了零售领域的一些中小企业,这时候,我们才算是抱团了。Butsticks togetherlike this, the strength is not very strong!
可这样的抱团,力量还不够强大!
An enterprise, wantsto achieveas stable as Mount Tai, wantsto achieveto affect various trades and occupations, some soledomainachievesto lord over, is actually not enough.
一家企业,想做到稳如泰山,想做到影响到各行各业,单一某个领域做到独霸,其实都不足够。Wins over the small and medium-sized enterprise, becomes our member, many enterpriseparticipation, moreare favorablefor the distant place.
拉拢中小企业,成为我们其中的一份子,越多的企业参与,对远方越有利。
The bigenterprise, is actually notsoleexistence.
大企业,其实不是单一的存在。Weare small and weaktime, thisindifferent, is harmless, maywait tillusto be powerful, needsto considerthese.
我们弱小的时候,这点无所谓,也无伤大雅,可等到我们强大了,就需要考虑到这些了。
The enterprise loan, is seemingly indifferent, in factis very important.
企业贷款,看起来无所谓,实际上很重要。Wemake loansto the small and medium-sized enterprise, even ifweare only the lendingplatforms, thatalsomakesusaffecttheseenterprisessufficiently.
我们给中小企业放贷,哪怕我们只是放贷的平台,那也足以让我们去影响到这些企业。In the future, some of some of ouragaincooperationorexpansionbehaviors, theseenterprises, the firstconsiderationthencannotwith the distant placebe the enemy, can only cooperatewiththem.
日后,我们再有一些合作或者扩张行为,这些企业,第一考虑的便是不能和远方为敌,只能和他们合作。Becauseweare controllingtheireconomic lifeline!
因为我们掌握着他们的经济命脉!
Is the banksowhy powerful?
银行为什么这么强大?
The loanis a veryimportantpoint!
贷款是很重要的一点!Is owing the loan of bank, someenterprisefor fear thatbanksreceive moneyahead of time, ahead of timecriticizes, the pastfinancialblacklist, manyenterpriseswere tossed aboutdie.
都欠着银行的贷款,一些企业生怕银行提前收款,提前清算,当年的金融黑名单,多少企业被折腾死了。Althoughweare not the banks, withouttosses about the thoughts of theseenterprisesdying, so long as made the loan business, is actually a control.
我们虽然不是银行,也没将这些企业折腾死的心思,可只要做了贷款业务,其实就是一种控制。Therefore, the small and medium-sized enterpriseloan business, mustdoas soon as possible.
所以,中小企业贷款业务,要尽快做出来。
The enterprise loancomes out, ourloan businesswere completedon the similarlayout, in additionYu’e Baothisdepositbusinessin disguised form, the paymentsettlementbusinesses of ten thousandcartoons......
企业贷款出来,我们的贷款业务就差不多布局完成了,加上余额宝这种变相的存款业务,万卡通的支付结算业务……Thesebusinessesdid, except forsomeintermediate services, we are unable to do, the distantfinanceisbank in anothersignificance.
这些业务都做了,除了一些中间业务,我们无法去做,远方金融就是另一种意义上的银行。Butin fact, the development direction of distantfinance, isthisdirection.
而实际上,远方金融的发展方向,就是这个方向。Arrivedfinally, usmust certainlyestablish the Internetbank.
到最后,我们肯定是要成立互联网银行的。Now, the Huaxiaprivate bankhas not openedcontinually, butthistrendis getting more and more obvious, Ithink, soon, the private bankwill appear.
现在,华夏连民营银行都没有开放,可这个趋势越来越明显,我想,用不了多久,民营银行就会出现。But the Internetbank, Iwantsalsoas the development of time, was approvedby the governmentfinally, becomes a financial arenamember.
而互联网银行,我想也会随着时代的发展,最终被政府认可,成为金融领域的一份子。To a private enterprise, the derivativemade the bankfinally, this, toenterprisebiggest the approvalandprotection. ”
对一家民营企业而言,最终衍生物做成了银行,这点,也是对企业最大的认可和保护。”Internetbank!
互联网银行!Thesecharacter, in the peopleeyessomewhatare unusual.
这几个字一出,众人眼中都有些异样。InHuaxia, particularlynow, the traditionalfinancial arenahas not been under the impact the time, the bank is actually the trueHuaxiaoverlordenterprise.
在华夏,尤其是现在,传统金融领域还没受到冲击的时候,银行其实才是真正的华夏霸主企业。Has a large number ofcash flowbanks, treatsanyenterprise, actuallysomeadvantages.
拥有大量现金流的银行,对待任何企业,其实都有些优势。Nowadays, has the enterprisenot to miss the money of bank?
这年头,有企业不差银行的钱吗?Almostno!
几乎没有!Biggerenterprise, differenceare more.
越大的企业,差的越多。Said that Huaxiapetrifiesranked the first, the secondpetroleum, do theyowe the money of bank?
就说华夏目前排名第一的石化,第二的石油,他们欠银行的钱吗?Owe!
欠!Naturally, thesecentral enterprises, the governmentwill allocate funds, oneselfprofitis also scary, theyare not short of money, buttheyowe money, this is also the fact.
当然,这些央企,政府会拨款,自己利润也吓人,他们不缺钱,可他们就是欠钱,这点也是事实。
The bankwill not rejecttheirloansgenerally, will not press for payment, butboth sideshave the debtrelations are also the facts.
银行一般不会拒绝他们的贷款,也不会催款,可双方存在债务关系也是事实。
The banktakes the creditor, whatno matterowes moneyisSir, reallymustaskyouto demand payment, youare also speechless.
银行作为债主,甭管欠钱的是不是大爷,真要找你催债,你也无话可说。Therefore, the bankis the Huaxiabusinessoverlordenterprisein fact.
所以,银行才是实际上的华夏商界霸主企业。
The distantfinancedoestowardthisdomainnow, oncereallymade, thatreallylaid the distantinvinciblefoundation.
远方金融现在往这个领域去做,一旦真做成了,那就真的奠定了远方无敌的根基了。However the private bankhas not formed a linenowofficially, the Internetbank, is more difficult than the private bank, wantsto make the firstInternetbank of Huaxia, withoutis so simple.
不过民营银行现在都没正式成行,互联网银行,比民营银行更难,想做华夏的第一家互联网银行,没那么简单。
The previous generation, Tengfast the slightlynumerousbanksare founded, was repliedin14at the end of the year, 15yearsstart doing businessofficially.
前世,滕迅的微众银行成立,还是在14年年底才被批复,15年才正式开业。
The distant placewantsto be ahead of timeso manyyears, making the governmentapprove, making the governmentreply, the difficultyis notgeneralbig.
远方想提前这么多年,让政府认可,让政府批复,难度不是一般的大。In the conference room, others have not spoken.
会议室中,其他人都没说话。ButLiDonghas not continuedthistopic , to continue saying: „ Besidesthese, moreoveris the expenseloanandenjoys the financingissue of loanspecially.
而李东也没继续这个话题,继续说道:“除了这些之外,另外就是消费贷和专享贷的融资问题。As the consumptive loan of Internet, thistimeweno longerwalk the traditionalfinancialchannel.
作为互联网的消费贷款,这次我们不再走传统的金融渠道。
The traditionalsmallloancompany, generally, theirfinalsources of funds, actuallymajorityispasses the bank and shareholder.
传统的小贷公司,一般情况下,他们的最后资金来源,其实大部分都是通过银行和股东。Naturally, whatIsaidis the regularsmallloancompany, otherprivate capitalsflowdo not raise.
当然,我说的是正规小贷公司,其他的私人资金流动就不提了。But our time, Iconsideredis very long, does not needto walk the bank and trustagain, insuresthesechannels, financesas for the shareholder, wedo not have the abilityto supporttemporarily.
而我们这一次,我考虑了很久,不用再走银行和信托、保险这些渠道,至于股东筹资,我们暂时也没有能力支持。Therefore, Iwantto financethrough the abschannel.
所以,我想通过abs渠道进行融资。
The expenseloanandenjoys the loanspecially, the finalyearinterest ratecanachieve20on average, naturally, the interestis the interest, will definitely presentsomedead accountbad accounts, exceptthese, tofinally, the incomesowill not be high, but over 10are not a problem.
消费贷和专享贷,最终的年化利率平均能达到20,当然,利息是利息,其中肯定会出现一些死账坏账,除去这些,到最后,收益不会有这么高,可十以上还是不成问题的。Butabsfinancing, Ilooked atfinancing in otherplatformscouple days ago, generallyin3.8-8.5.
而abs融资,我前几天看了一下其他平台的融资情况,普遍在3.8-8.5之间。Moreover the absdeadlineis not generally short, threeyearstofiveyearsis the normal state.
而且abs的期限一般都不短,三年到五年是常态。If the projectquotationis good, by the qualifications of distant place, attains about 5interest rates, Ithought that is nottoodifficult.
如果项目行情好的话,以远方的资格,拿到五左右的利率,我觉得不是太难。
The presentbanklargeloan, the timesurpasses for threeyears, the interest ratemustover5, bothphase differencenot be actually big, moreovercompared with the bank, absfinancingverifiesis easier, the collectionfundis simpler.
如今的银行大额贷款,时间超过三年,利率都要超过五,其实两者相差不大,而且比起银行,abs融资审核更容易,筹集资金更简单一些。
An essentialpointis, does not needto pawn!
关键的一点在于,不用进行质押!Before, weloaned, conducted the assetto pawn, butconsumptive loanthiswas not we use, wepawnedwithourindustryagain, obviouslywasnot possible.
以前,我们贷款,都是进行资产质押,可消费贷款这不是我们用的,我们再用自己的产业进行质押,显然是不可能的。Butbank, oncedoes not loan, ourcapitalbe only2 billion, thiscannot meetmyexpectationobviously.
可银行一旦不放款,我们的本金只有20亿,这点显然达不到我的预期。Then, the groupmuststartto get readythrough the abschannelto finance.
接下来,集团这边要开始准备通过abs渠道进行融资。Although the presentexpenseloanandenjoys the loanscale is not bigspecially, twodaysalso about 13 millionfunds, today, shouldin addition about 20 million.
虽然现在的消费贷和专享贷规模不大,两天也才1300万左右的资金,加上今天,应该就在2000万左右。Moreoverourmajorityisshort-termonemonth of loan, in other words , according topresentthisdegree, wefinalonemonth of letting outfundalso2 about hundred million.
而且我们大部分都是短期一个月的贷款,换言之,按照现在这种程度,我们最终一个月放出去的款子也就二个亿左右。
A month later, mostfundcanreturn to the funds.
一个月后,大部分款子都会回款。But the presentisnow, with the lapse of time, as well asourcredit systemsare establishedsuccessfully, establishes the creditchanneltomoreusers, will cleartheirloan business, the loan scaleIthinksincreasing of wide scope.
可现在是现在,随着时间的推移,以及我们的信用体系建立成功,给更多的用户建立起信用渠道,开通他们的贷款业务,贷款规模我想会大范围的攀升。Arrivedfinally, onemonth of resource flowdefinitelyis not the smallnumber, over10 billionin my opinionaresoonmatters.
到最后,一个月的资金流动肯定不是小数目,超过百亿在我看来都是不久的事。Thereforeahead of time, weshoulddo a preparatory work, after allwemakethis for the first time, I mean, wemake10 billionfinance programsto come out in August, the interest rateprobably about 5, the timeisthreeyears.
所以先期,我们就该做一点准备工作了,毕竟我们还是第一次做这个,我的意思是,8月份我们做一个百亿融资计划出来,利率大概在五左右,时间为三年。
The projectmain body, is ourconsumptive loanproject.
项目主体,便是我们的消费贷款项目。Firstprobes the market conditions, so as to avoidlatermakesthisproject, wedo not have the experience...... ”
先试探一下市场情况,免得以后再做这种项目,我们毫无经验……”LiDongsaid,Cao Jinsheng of distantfinanceslightlyhesitatesto sayobviously: These that „ Li, you said that is on the whole feasible.
李东说完,远方金融的曹金生略显犹疑道:“李总,您说的这些,大体上是可行的。Maysay that the sentenceyoupossiblydo not likelistening, even if the scalecontinuesto expand, by August, weloanedmonthlynotover2 billion, thisis inevitable.
可说句您可能不爱听的,就算规模继续扩大,到了8月份,我们月度贷款也不会超过20亿,这点是必然的。
In Auguststartsto finance, the absfinancingspeedisquick, at the end of Augustpossiblycompleted the loan plan.
8月份开始融资,abs融资速度还是很快的,8月底可能就完成了融资方案。Butthisspecialfinancing, the financingbalancewill only enter the project, in other words, thissum of money can only be used in the consumptive loan.
而这种专项融资,融资余额都只会进入项目,那就是说,这笔钱只能用于消费贷款。10 billionfunds, tomaybecomeourreservesfinally, even ifputs in the bank accountalsoto have the income, but the incomewill not be high, finallywemustpay2pointinterestat leastadditionally.
100亿的资金,到最后都有可能成为我们的储备金,哪怕放入银行账户也有收益,可收益不会太高,最后我们起码要额外支付二个点的利息。In additionabsfinancing, actually must collect fees, generallyisabout1point.
加上abs融资,其实也是要收费的,一般都是一个点左右。Nowfinances10 billion, Ifelttooearly, ifin a short time, ourscalesover2 billion, thatdefinitelydoes not needto financeso many.
现在融资100亿,我觉得太早了点,如果短时间内,我们的规模不超过20亿,那就完全没必要融资这么多。Otherwise, oneyearlater, wemustlose money2at leasthundred million.
要不然,一年下来,我们起码要亏损二个亿。Actually, evenwantsto finance, ahead of time10hundred millionhad more than enough to spare...... ”
其实,就算想融资,先期十个亿绰绰有余了……”Cao Jinshengalsofrom the actual situation, does accountstoLiDong.
曹金生也是从实际情况出发,给李东算了笔账。
The distantfinance, does not needto leaveso much money spatially, compared to the presentscale, 10 billion, thisreserve was really many, let alone was also notownmoney.
远方金融这边,没必要空留那么多钱,相对于现在的规模,100亿,这个储备金实在是太多了,何况还不是自己的钱。
The funddoes not let out, but can also toothers the interest, be so necessary?
款子放不出去,还得给别人利息,有那么必要吗?10 billionkeepin the distantfinanceaccount, oneyearlater, isso much money in the account, the distant placeloses money2hundred millionisleast.
100亿留在远方金融的账户上,一年后,还是这么多钱在账面上,远方亏损二个亿是最少的。Hesaid,LiDongknits the brows: „ Before didn't Imean? Then, asourcredit systemsare establishedto be completed, wewill conduct the entranceto clearmassively.
他说完,李东皱眉道:“之前我不是说了吗?接下来,随着我们的信用体系建立完成,我们会大规模进行入口开通。Iaddedyesterday, in Octoberabout, twotypes of loans, mustreach20 billionscales.
我昨天还说,10月份左右,两种贷款,要达到200亿的规模。Youfelt,Iam cracking a joke?
你觉得,我是在开玩笑?20 billionmany? 10 billionmany?
200亿很多吗?100亿很多吗?ten thousandKatong the presentuseris over200 millionpeople, myplanis, clears the jurisdiction of usergradually, finallyat leastmustbe10proportions, thisislowest.
万卡通现在的用户超过2亿人,我的计划是,逐步开通用户的权限,最后起码要达到十的比例,这是最低的。20 millionpeople, can conduct the loanto spend, even ifonly thenhalf ofpeopleare using, thatalsohad10 millionpeople.
2000万人,可以进行贷款消费,哪怕其中只有一半的人在用,那也有1000万人了。
The average per personloan amount1000Yuan, thatwas10 billion.
人均贷款额度1000元,那就是100亿了。Youthought how longthis timeneeds?
你觉得这个时间需要多久?So long as the credit systemis established, has the possibilityanytime!
只要信用体系建立完毕,随时都有可能!Therefore, ahead of timeprepares, mostalsodisbursesadditionally for 1-2months the interest costs, the actual houris possibly shorter, when the enterpriseloanclears, what are 10 billion?
所以,提前预备,最多也就额外多支出1-2月的利息费用,实际时间可能更短,当企业贷开通,100亿算什么?
The interest of moon/month, fromtheirinterestdifference, quickcanearn, finallywewill only gain, butwill not owe.
个把月的利息,从他们的利息差上,很快就能赚回来,最后我们只会赚,而不会亏。Ahead of timeprepares, compareshas not preparedto be stronger.
提前准备,比没有准备要强。In order to avoidwhen the time comes, the reserveis insufficient, the customerloans, without the fundreleases, thatistoourcredibilitybiggestattack.
以免到时候,储备金不够,客户贷款,没有款子下放,那才是对我们的公信力最大打击。Thismatter, youmustwalkonestepto lookthreesteps, otherlightwatches the presentmatter, at presentourscalesaresmall, butforeveristhisscale? ”
这事,你们要走一步看三步,别光看着眼前的事,眼前我们的规模是小,可难道永远都是这个规模?”Hesaid,Cao Jinshengconsidered, has saying: „Weimmediatelystartto arrange, 5three-year......”
他这么说,曹金生考虑了一阵,只好道:“那我们马上就开始筹备,不过五的三年期……”In the currentabsplatform, 5interest ratesgenerallyare the short-term interest rates, generallyina halfyear of timetoone-yearabout.
在目前的abs平台,五的利率一般都是短期利率,普遍在半年期到一年期左右。LiDongxiangmakesthree-yearfinancingwiththisinterest rate, the difficultyis a little high.
李东想用这个利率做三年期的融资,难度有点高。LiDongsaidlightly: „ Firsttries, the user who actuallyparticipates infinancing, not only considered that interest rateheight, whatmanypeopleregard as importantis the popularity of enterprise.
李东淡淡道:“先试试,其实参与融资的用户,不仅仅只考虑利率的高低,很多人更看重的还是企业的知名度。
The small business, needsto participatewith the high interest rateappealingly, distant placenowa littlefame, keyinsteady.
小企业,需要用高利率吸引人参与,远方现在好歹有点名气了,关键还是在一个稳。At present, participates inabsfinancing the bigenterprisenot being many, the interest rate that the government projectgivesis not high, althoughwedo not have the means and governmentcompare, maysay that coarse, somesmallcountries, notnecessarilyhaveusto have the credibility and popularity. ”
目前,参与abs融资的大企业不多,政府项目给出的利率也不高,我们虽然没办法和政府比,可说句难听的,一些小国家,还不一定有我们有公信力和知名度。”He said that Cao Jinshengalsohaswhat means that finallysaidaccordingly: „Good, Igo backto arrange.”
他都这么说了,曹金生还有什么办法,最后应声道:“好,那我回去筹备。”As for5three-year, canfinanceto10 billion, thislooks at the luck.
至于五的三年期,到底能不能融资到100亿,这点看运气吧。Financingless thanso many, LiDongcannotblamehim, after all, 5actuallyreally are not on the other hand high, nowthreeyears of bankcannot missmanywiththisregularly.
融资不到这么多,李东也不能怪他,毕竟相对来说,五其实真的不算高,现在银行的三年定期都和这个差不了多少了。Naturally, thisisworldwide basisfinancing, the Huaxiadeposithas the interest, somestate deposits must pay out of money, cannotview the issueby the situation of Huaxiapurely.
当然,这是世界性融资,华夏存款有利息,有些国家存款还得倒贴钱,不能单纯以华夏的情况看待问题。Regardingsomeforeign investors, 5somepeople can also accept.
对于一些国外投资者而言,五有些人也能接受。However the matterdoes not have is so simple, the fame that in distant placeLiDong said that keycentralizedindomestic, around the world can only saygeneral, perhapsthis must look at the situation that the micro bloggoes on the market.
不过事情也没李东说的那么简单,远方的名气,关键还是集中于国内,在世界范围内只能说一般,这点恐怕还得看微博上市的情况了。So long as the micro bloggoes on the marketexplodesgreatly, thatdistantfamearound the worldestablished.
只要微博上市大爆,那远方在世界范围内的名气就建立了。Once the micro blogcannoterupt the result of wanting, no matterwhatchannelfinancing, followingdistantfinancingwill be more difficult.
一旦微博没能爆发出想要的结果,甭管什么渠道融资,接下来的远方融资都会艰难许多。WhatCao Jinshengconsidersis the distantfinance, YuanChengdao who the one sidehad not spokenactuallylooked atLi Dongyieyeslooking pensive.
曹金生考虑的是远方金融,一旁一直没吭声的袁成道却是若有所思地看了李东一眼。Before, LiDongwill rarely care abouttheseactually, will not consider that financedspeciallywithwhatchannel.
以前,李东其实很少会在意这些,更不会特意去考虑用什么渠道来融资。Now, listens to LiDonghuameaning, heshoulddosome timeinvestigationtoabs, otherwiseis insufficient the opens the mouthisinterest raterangemany.
现在,听李东话中的意思,他应该对abs做了一段时间的调查,要不然不至于张口就是利率范围多少。LiDongreallypurefordistantfinancefinancing?
李东是真的单纯的为了远方金融融资吗?YuanChengdaofelt, not only that!
袁成道觉得不仅如此!Nowfirstfinances10 billionto try the quotation, once the quotationis good, the project of distant placewas hounded, thatfollowing, had50 billioneven100 billionevenmanyfinance programs?
现在先融资100亿试试行情,一旦行情不错,远方的项目受到追捧,那接下来,是不是就有了500亿甚至1000亿甚至更多的融资计划?But are financingso much money, usedto do?
而融资这么多钱,用来干嘛?Financing much money, thatis notownmoneyis to pay interest.
融资再多的钱,那都不是自己的钱,是要付利息的。Even if 5,1000hundred millionfinancing, oneyearlater, was only the interesthas5 billion.
哪怕就是5,1000亿的融资,一年下来,光是利息就有50亿了。Butthis100 billion, ifcannotcreateover5 billionprofits, thatisloses moneyto buy and sell.
而这1000亿如果不能创造出超过50亿的利润,那就是亏本买卖。In the event oflosing money, actuallylossincessantlyisthis5 billionissues, the keyis, absfinancingby the itselfprojectasguarantee.
一旦出现亏本,其实损失的不止是这50亿的问题,关键还是在于,abs融资是以本身项目作为担保的。Thisprojectdoes not make money, but alsolost money, thatinfluencewas worse, even ifdistant placetheseinterest subsidies, will createsomebadinfluences.
这个项目不赚钱,还亏本了,那影响就更坏了,哪怕远方自己将这些利息补贴上去,都会造成一些不利的影响。After all, looks likeinmanypeople, the investmentdistant place, lies in the distant placeis invincible, does not doto lose moneyto buy and sell.
毕竟,在很多人看来,投资远方,就在于远方战无不胜,不做亏本买卖。
But if LiDong conducts the retailmerger and acquisitionwiththesemoney, reallycangainin a short time?
可如果李东拿这些钱进行零售并购,真的能在短期内盈利吗?Tothis point, YuanChengdaois skeptical, at this moment, inYuanChengdaoheartsomewhatworriedslightly.
对这一点,袁成道是抱有疑虑的,这一刻,袁成道心中微微有些担忧。Is thinkingat heartthesematters, YuanChengdaois somewhat distractedslightly.
心里想着这些事,袁成道微微有些走神。Untilfeelsall aroundto transmit a vision of staring, YuanChengdaothensobers, looked uppeopleoneeyes.
直到感受到四周传来一阵凝视的目光,袁成道这才清醒过来,抬头看了众人一眼。At this time, nearbyLiu Qiremindedin a low voice: „Limakesyoumaketo compilethe first half of the yeartwoquartersperformance.”
这时候,一旁的刘琪低声提醒道:“李总让您把上半年两个季度的业绩做一下汇总。”Nowhad arrived in July, 09yearspassed byhalf, the first half of the yearperformancecompiled should also come out.
如今已经到了7月份,09年过去了一半,上半年的业绩汇总也该出来了。Butas the group president, the first half of the yearperformancecompiles, is naturally clearest.
而作为集团总裁,上半年的业绩汇总,自然最为清楚。In fact, today'sconferencetogivemakesoneto compilein the first half of the year, beforediscussedwas the extratopic.
实际上,今天的会议就是为了给上半年做一个汇总,之前谈的都是额外话题罢了。FinallyLiDongaskedseveral, YuanChengdaoto the response, had not naturally caused the gaze of people.
结果李东问了几句,袁成道没给回应,自然引起了众人的注视。
A Liu Qireminder, YuanChengdaosaidhastily: „JustChiefLisaidabsfinancing, Iam just thinking, the distant placecanhave other projects , conducts absfinancing, suddenlythinkswas fascinated, sorry.”
刘琪一提醒,袁成道连忙道:“刚刚李总说abs融资,我刚好在想,远方能不能有一些其他项目,也进行abs融资,一时间想的入迷了,抱歉。”Explainedsimply, seesLiDongnot to care aboutthese, YuanChengdaothenrelaxes.
简单解释了一句,见李东没在意这些,袁成道这才松了口气。Then, YuanChengdaotakes up the document, startedto mentiondistantthe first half of the yearbusinessto compile the report.
接着,袁成道拿起文件,开始说起了远方上半年的业务汇总报告。Butin the conference room, others alsoearnestlylisten attentively, LiDongevenalsostartsto writeto draw, obviouslyattaches great importance todistantthe first half of the yearperformancerelatively.
而会议室中,其他人也都认真倾听,李东甚至还开始写写画画起来,显然对远方上半年的业绩还是比较重视的。After all, in the first half of the year the distantmovementare many, manyupholsterywork, have been completedin the first half of the year, canmake the major breakthrough, the first half of the yearperformanceisveryimportant.
毕竟,上半年远方动作不少,不少铺垫工作,上半年都已经完成,能不能取得重大突破,上半年的业绩还是很重要的。
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