Reborn, back to a small county town to become a wealthy family

Chapter 673 Don’t Walk Along the River Often

It was just after two o'clock when Dong Xuan arrived at Luo Yang's office.

"I just drove here from Pudong. I didn't encounter any traffic jams along the way, and I didn't even run into many red lights. It was really smooth."

"It's a good sign, isn't it?"

Luo Yang smiled and responded to Dong Xuan who walked into his office: "It indicates that the things we are going to discuss next will go smoothly."

"It seems that Mr. Luo also believes in metaphysics."

Dong Xuan smiled and walked to the tea table and sat down: "Now that the funding problem has been solved, there is no obstacle to the acquisition of the headquarters building. When you come to visit Mr. Luo again at this time next year, you will have to take the elevator to the president's office on the 38th floor."

"Lend your auspicious words."

As Luo Yang spoke, he took out a new teacup, rinsed it with boiling water, poured tea into it, and pushed it to Dong Xuan.

"To accomplish good things, it depends on when Mr. Luo's funds will be in place."

Dong Xuan picked up the teacup and took a sip. After putting it down, she looked at Luo Yang and said, "Once I start, things can't be stopped. So Assistant Chu and I think it's best to verify the capital before starting, so that everyone won't be passive at that time."

Now, Lingshi Palace Group may not be able to withdraw even 1 million yuan in liquid funds from its account.

As for Luo Sheng Tang, as the second quarter was coming to an end, there were more than 45 billion yuan in funds in the account. But everyone knew that % of this money did not belong to Luo Yang, so if the money was to be used for the acquisition of the group headquarters, the opinions of Luo Sheng Tang's other three shareholders would have to be sought.

Moreover, once the money is used, the ownership of the headquarters building needs to be divided according to the investment ratio.

There is nothing wrong with dividing the ownership of rights and interests. The key is that purchasing the headquarters building requires taking on billions of debts, and I don't think He Maosong and others would be willing to do that.

So Dong Xuan's words could be considered as a reminder to Luo Yang.

"The funds will definitely be in place in September."

It is impossible for Luo Yang to use the money in Luo Shengtang’s account to purchase the headquarters building.

He gave an approximate time for the funds to be in place and said, “And we will strive to complete the acquisition of this building within the year.”

"It seems that Mr. Luo has made up his mind."

After hearing Luo Yang's affirmative answer, Dong Xuan understood.

The funds used by Lingshi Palace Group to acquire the headquarters building must have come from the profits of the U.S. crude oil futures market.

"Then wait for good news from Mr. Luo."

Dong Xuan smiled and said, "You know, I also supported 200 million Mi Yuan, so I especially hope that Mr. Luo can achieve a perfect harvest."

"That's natural."

When facing Dong Xuan, you have to show this kind of domineering attitude of "no one else can do it but me".

She would notice immediately if you showed the slightest sign of timidity.

"I will arrange for someone to form a professional team later to negotiate the acquisition with your bank and Mega Real Estate."

Luo Yang then changed the subject and said, "Whether it is talking to your bank about debt restructuring, interest reduction, loan extension, or negotiating the purchase price with the developer, there is still a lot of room for concessions."

"How much is the interest reduction from our bank?"

Dong Xuan replied with a smile: "As for the extent of the profit concession, it has to be the developer. Just a little talk can save hundreds of millions of funds."

This was not the first time the two had discussed the acquisition of the headquarters building. They had already discussed many of the directional aspects. The only thing they lacked before was funding.

Now that funding is no longer a problem, many things can be finalized on the spot.

Half an hour later, the discussion about the acquisition was over.

"Boss Luo, should I go back and get ready first?"

When Dong Xuan said this, she meant to leave.

"Don't leave so quickly, I have something important to discuss with you."

"?"

Dong Xuan sat down again, drinking tea and waiting for Luo Yang to speak.

"At the cocktail party last week, I was chatting with Fu Bin from Santai Real Estate and Wei Chaoping from Sunshine Real Estate about financing."

Luo Yang said slowly and calmly: "Perhaps inspired by my fund product sales, they hope to use the platform of Gray Rhino Capital to establish two fund products with a scale of 5 million yuan, and use your Ningbo Bank's channels to sell them and complete the financing."

"A financing project for a real estate company?"

After listening to Luo Yang's explanation, Dong Xuan immediately became interested: "Can you tell me more about it?"

"Both real estate companies are willing to use the project equity as collateral."

Luo Yang elaborated: "The annual interest rate they offer is 15%, and the product cycle is 2 years."

The conditions generally offered in the real estate industry are similar now, so there is no need for Luo Yang to hide one or two points from Dong Xuan.

“How much do you charge for management fees?”

"4%"

“剩下11%我们银行差不多要拿走4%~5%，留给市场6%~7%的空间，已经可以推荐给一些高净值客户了。”

Dong Xuan muttered, "But it's a bit hard for our Shanghai Branch of Yongcheng Bank to digest two fund products with a scale of 5 million at once."

Although her muttering was not loud, there were only two people in the office, sitting face to face.

Luo Yang heard it clearly.

"Isn't it?"

He was surprised and asked, "You guys can't digest a product worth 10 billion?"

"What is this nonsense?"

Dong Xuan looked up at Luo Yang and said with amusement and anger: "You don't think that our Yongcheng Bank Shanghai Branch will not sell other financial products, do you?"

Who, if you have ever been to a bank lobby, has not seen rows of colorful brochures on the shelves?
These are the financial products that banks strongly recommend to their customers. Some of these products not only have low returns, but don’t even have a guaranteed return.

In addition to these products sold externally, the bank also has fund products recommended for high-end customers, and the returns on these products are not low.

Luo Yang participated in such a recommendation meeting held by Yongcheng Bank and met Min Huijun at that meeting.

"If it's not difficult, why would I look for you?"

Luo Yang smiled and replied to Dong Xuan: "I will deduct one point from you and leave it to you to settle the relationship."

Even though it's only 1 point, under the premise that the total scale of the two fund products reaches 10 billion, the total money left for Dong Xuan in two years is 2000 million, which is enough for her to build connections up and down and make these two funds the bank's key recommended products in the second half of the year.

“Isn’t this just empty talk?”

Dong Xuan also responded with a smiling look: "You are just luring people with carrots. The money can only be paid after all the 10 billion products are sold."

"Do you think I am that kind of person?"

"It seems that Mr. Luo has a good relationship with those two real estate bosses. He is willing to endorse their credit?"

Dong Xuan was slightly surprised and asked, "You're even willing to advance the money?"

"2000 million is a small matter. The key is that these two fund products use the platform of my company."

Luo Yang said seriously: "Dong Xing, you are an insider, you should understand that I want to use this opportunity to make Gray Rhino famous. Compared with the future benefits, what is the current payment of 2000 million?"

Dong Xuan stared at Luo Yang for a long time. "It seems I have to get to know you again."

She also became serious: "I always thought that you valued the real industry, and even if you were involved in the financial industry, it was just a small-scale venture, and the ultimate goal was to manage your own personal assets. I didn't expect that in just over a year, you have taken a big step into the financial field and are ready to make it bigger and stronger."

“Why, I can’t do finance?”

Luo Yang was not angry about what Dong Xuan said, but became curious: "Does it mean that special identity verification is required to enter this circle?"

"That was not what I meant."

Dong Xuan shook her head and said, "Before you were doing US crude oil futures, you made money from outside and then moved the money back to China. The regulatory authorities didn't welcome your behavior with both hands, but at least they tacitly approved of it. But once you put your hands on the domestic financial market and moved money from your own basket, it was like handing the handle to the regulatory authorities. Whether they want to punish you at that time depends on whether they are willing to do so."

"Is there such a thing?"

Luo Yang was stunned: "I just helped the real estate company raise funds, how can it be considered making money from the domestic financial market?"

"hehe."

Dong Xuan chuckled twice: "You just said that you want to expand and strengthen Gray Rhino Capital. Once you taste the sweetness, can you guarantee that the fund will not touch the domestic stock market in the future?"

Luo Yang: “.”

He was choked by Dong Xuan's words.

“Do you know why so many bosses want to immigrate every year?”

Dong Xuan suddenly asked Luo Yang an irrelevant question.

"I can only say that I know a little bit."

Luo Yang is a reborn person. Although he cannot be said to be proficient in everything, it is true that he knows a little bit about everything.

"Oh, what do you say?"

"Most of the current bosses started out in business in the 1990s and benefited from the corporate restructuring."

Luo Yang commented: "Although the reform at that time was mixed with the special background of the times and indeed made great contributions to the country's economic development, you and I should all know that many aspects of the reform process were not standardized and the process could not be completely clean, so the first pot of gold these bosses made could not stand up to scrutiny."

Since it cannot stand up to scrutiny, the handle will always exist.

So there is such a group of bosses immigrating, and the reasons are roughly as mentioned above.

Of course, this is not absolute. There are also some people who were influenced by certain thoughts in their early years and yearned for life in developed Western countries. Therefore, there are also many who immigrated.

"I didn't expect you to know this!"

Dong Xuan was a little surprised.

"I can't have such vision?"

"So, are you still going to do this?"

Dong Xuan said to Luo Yang in a sincere tone: "Mr. Luo, when we made the first loan, the bank did a background check on you and your company. The source of your funds is very clean, so why do you need to wade in the river?"

"Is this your personal advice to me as a friend?"

Luo Yang was silent for a moment before he spoke: "Even if I want to get involved in finance, it would be best if it is overseas, is that what you mean?"

Dong Xuan didn't say anything, just looked at Luo Yang and nodded.

“Can we make the products that the two real estate companies use for financing?”

"can do."

Dong Xuan answered straightforwardly: "And I don't recommend putting it in Yongcheng Bank. If you really want to help your friend, I can introduce you to a classmate from Pufa Bank and let her help you operate these two products."

The scale of Pufa Bank far exceeds that of Ningbo Bank, not to mention comparing it with a branch in Shanghai.

"Are you serious?"

Luo Yang stared into Dong Xuan's eyes and observed her expression changes: "You don't want such a large amount of legal income and give it to your classmates. Your behavior is really incomprehensible."

"My next target is Pufa. Can't I use this to accumulate favors?"

Dong Xuan rolled her eyes at Luo Yang and said, "Why do you have to explain it so clearly? Did I just lay all the groundwork for you in vain?"

"You're willing to do it."

Luo Yang suddenly remembered another thing and couldn't help but sigh.

Yes, in order to jump to a bigger platform, this woman was willing to give up the benefits generated by Luo Yang's acquisition of the headquarters building to Assistant Chu. Why would she be reluctant to give up a few million this time? (The 2000 million will not be taken by Dong Xuan alone, it needs to be shared by the upper and lower levels)
Of course, there may be more than one reason why Dong Xuan did this.

The Shanghai Branch of Ningbo Bank may really be unable to digest these 10 billion yuan worth of products.

"Something's wrong."

Not long after he finished sighing, Luo Yang came back to his senses.

"Since you want to get a favor from Pufa, why did you go through so much trouble?"

After saying so much for your own good, in the end it's just for your own benefit.

Isn't it embarrassing?

"I didn't suggest you touch the domestic financial market before, and I didn't have any bad intentions at all."

Dong Xuan curled her lips and said, "Although we haven't known each other for a long time, we have had great pleasure in working together several times, and our personal relationship has become closer and closer. This is because I see a very bright future in you, so I am willing to bind myself to you deeply. Under this premise, of course I hope you don't get tainted."

"Haha, you're just about to give me the nice guy card!"

"Tsk, Mr. Luo is not a good person in his private life."

"I have an appointment with the bosses of Santai Real Estate and Sunshine Real Estate to play basketball tomorrow morning. How do you want me to respond to them?"

Luo Yang smacked his lips and said, "Especially the boss of Santai, I still need his cooperation on something."

"I'm going to call my classmate from Pufa right now and ask her out for dinner."

Seeing Luo Yang's expression, Dong Xuan covered her mouth and laughed.

After a moment, she put away her smile and said in a teasing tone, "You treat me tonight, and I'll help you finalize this matter at the dinner table so that you can have an explanation tomorrow. President Luo, is this okay?"

"Tsk, how can you be so eager to send money?!"

"cluck"

It was a rare occasion to see Luo Yang being humiliated, and Dong Xuan laughed out loud once again.

"Xiaoxiaoxiao, you are so good, you use this incident of mine to accumulate your own favors, and at the same time make me owe you a favor."

Luo Yang curled his lips and said, "President Dong, you can do it."

"No way, that's what Mr. Luo said."

Dong Xuan stopped at the right time and quickly responded: "I am using your case to do you a favor. How can it be that you owe me something? If you want to jump to a bigger platform, you still need Mr. Luo's support behind me."

Luo Yang: “.”

"It's getting late. I'll contact my classmates first to prevent her from attending other dinner parties."

After the joke, Dong Xuan started making phone calls to make appointments.

Luo Yang fell into deep thought.

(End of this chapter)