Shi Wenjun was stunned by Wang Ai's statement: I'm a seller of eggs, why did I open a bank?
However, the second bomb came again immediately, and Wang Ai continued: "Actually, we have already invested in several city banks and acquired the shares of several banks.So this is not the first time that our family has done finance, to put it mildly, there is already a prototype of a consortium. ”Consortium?
This time, even Xu Qinglian was dizzy, a few years ago we were still singing about the successor of communism, how did we become a financial oligarch?
Wang Ai must roll her eyes if you want to know their mental activities, you are, I am not?
At present, this is called the coexistence of various economic forms in the primary stage, and every means are being made to increase the speed of construction and the level of development.Wang Bin and Ai Xiaoqing were always silent, just listening to their son.In fact, their family had exchanged a lot of these words before, and they had already formed a common understanding, but they didn't say it to anyone else before the time came."
If we are only given a set of licenses, then, the new stupid fund will be temporarily classified under the future fund, but the operation is divided into two parts, the future fund continues to engage in angel investment, and the new stupid fund engages in loans, we can sell it online ourselves, or we can entrust our bank to sell it.""
So how do we compete with the banks?
After all, bank loans have been done for many years and are very mature. ”Wang Ai nodded: "The disadvantages of banks are also obvious, such as being conservative and having a relatively high loan threshold.Once the threshold is low, there will be a large number of bad debts, such as rural microloans or something.As for us, if the bank's collateral is twice the loan amount, we will put it at five times.In short, it is to fill all kinds of loopholes in the bank, and it is also to fill the loopholes in the future fund.Some entrepreneurs are willing to share the equity, and some are not, so they want to borrow a sum of money, and the company will still be mine after repaying the money, even if I pay it back.But these people either have collateral far less than the loan amount, or they hold a technology patent that is difficult to judge the value of.Whether it's an angel fund or a bank, no one can satisfy him.But we can be the new stupid fund, we will plug this gap and offer him a new product, and of course, we will have to reap at least double the return, well, so it is considered a loan shark.However, we are corporate loan sharks, one is willing to fight and the other is willing to suffer, who makes you reluctant to take equity?
Of course, this thing is still essentially an identity mortgage, that is, we don't give it to whoever comes, at least it must be a graduate of a prestigious school and have real talent.It can even be said that this is a kind of talent investment, that is, we judge that even if this person can't do it this time, he can succeed next time, so we will lend it to him.I can't catch it back for a while, and when he succeeds in his next business, we'll go again. ”"So what if he just doesn't pay it back?"
Xu Qinglian thought about it.Wang Ai shrugged his shoulders: "Don't forget that we have a bank, we cooperate with the Industrial and Commercial Bank of China for credit investigation, and if he doesn't pay back the money he owes, we will stuff him into the credit record, and banks and financial institutions across the country will not lend him money in the future."
No one believed him and I suffocated him. ”"What does the Wang Fund do?"
Shi Wenjun spoke."
Are you still thinking about charity?"
Wang Ai glanced at her."
I, I'll ask.""
I'm telling you, you can't do charity again unless you leave us.Look at what you've done in the past few years, my mother just said that you didn't understand?
Your perspective is narrow, the ascending channel is narrow, not to mention, your body is very worrying!
”Wang Ai said angrily: "Grief and sadness, this is your situation, you are in contact with those who can't go on all day long, touch the injury, and don't let you come out, I'm worried that you won't live long!"
I said that you are in charge of the whole stupid company, not the stupid fund, and the stupid products are sold to the rich, why don't you look at them?
”Wang Ai's words, when Wenjun said it, tears were held in his eyes.Ai Xiaoqing glanced at Wang Ai, stood up and walked over, sat next to Shi Wenjun, and took her finger-boned hand: "Hour, I know that you always feel guilty about the death of Bai Fangli and Cong Fei, don't think so."
They have their ideals and pursuits, and we also have to have our way and method of doing things.You've basically secretly donated your monthly salary, haven't you?
I see that you have hardly ever bought anything of your own except for the clothes distributed by the company.We do not interfere in your private pursuits, but we must be responsible for your future growth.Otherwise, one day in the future, your parents will call our door, what will you let me say to your Uncle Wang?
How do you open this door?
Your old baby girl, if we don't have a good result here, we will be able to sleep?
”"My parents can't ......"
"And!"
Ai Xiaoqing patted Shi Wenjun's head: "You girl, you are dead-eyed, and you are also a good girl."
But the more you are like this, the more we have to make you good.You and Wang Ai have known each other since childhood, and he treats you as a very good friend, after all, there are not many people who can invite you to the house.In the future, your Uncle Wang and I will retire sooner or later, and the newcomers of your generation will always come up, and the more you will be like this when the time comes, the better.Therefore, let you change jobs, not only for your good, but also for his good, for the good of all of you. ”"I see."
Shi Wenjun nodded, his lips moved and he whispered, "Yes, but I still want to ask." ”Ai Xiaoqing was angry, poked Shi Wenjun's head with her fingers, and turned her head to look at Wang Ai amid the laughter of several girls: "You talk about it, don't say that she is not over this entanglement."
But girl, you remember, after your rotation next year, you won't be able to touch these anymore.Even from now on, I will find someone to replace you in the work of your stupid fund, and you will do your best to do a good job of stupid agricultural and sideline food, okay?
”"Hmm!"
Shi Wenjun nodded heavily.Wang Ai on the other side rolled his eyes and muttered: "The specific plan still needs to be perfected, what about my current vision, the Wang Foundation will be the main channel for our family's charity in the future."
Good things still have to be done, and in the big picture, this is our original intention, to keep our sobriety and our direction.To put it mildly, this is also a means for us to protect ourselves.As for the specific projects, I basically consider the following directions: first, a special charity fund for a serious illness; the second is scholarships; The third is the fund of righteousness and courage.Separately, the charity fund for this serious illness is expensive and urgent, and it is very popular.But the state can't solve it for a while, and this is a temporary gap like a student loan, and we have to fill it up bravely, and we will withdraw when the country is ready.Scholarships and Righteous Courage Fund can be done for a long time. ”()