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

How much does Chapter 695 cost?

What seemed like a joke was actually a way of telling Luo Yang that she wanted to break free as soon as possible and needed external help.

“Sante and Sunshine Real Estate have a more urgent need for funds, and I'm afraid they won't be able to wait much longer.”

Luo Yang clicked his tongue and shook his head, saying, "I've already had initial contact with Pudong Development Bank, and they've offered some favorable terms."

Shanghai Pudong Development Bank (SPDB) agreed that if the subscription rate of the two publicly offered fund products exceeds 70% before the mid-August deadline, the bank can directly provide 500 million yuan in funds. Of this, the 30% portion advanced by the bank will be charged at the interest rate for the same period.

He only mentioned SPD Bank because that's the big platform Dong Xuan wanted to join.

"This is just a side trip."

Luo Yang expected to see a disappointed look, but instead received a flat reply: "These two funds were raised at the end of last month, and were not originally in my plans."

"What about my private account?"

"Although Toutiao's valuation has reached several hundred million, everyone knows that a startup's valuation is meaningless unless it goes public and has formed a stable profit model."

Dong Xuan commented: "Although the shares you hold in this company have great potential, and their value may even skyrocket in the next three to five years, it's not good now. As for your other shares in miHoYo, this company does have a profit point, but the key is that it neither accepts financing nor discloses its financial situation, so it is difficult for outsiders and our bank to determine its value."

"What you've said can be summed up in one sentence."

Luo Yang summarized, "It's not worth much now."

After saying that, he leaned back, rested his head on a soft surface, and closed his eyes contentedly.

“If someone offered 50 billion yuan to buy my shares in these two companies, I wouldn’t even open my eyes to it.”

Luo Yang said nonchalantly, "I trust my investment acumen."

At this point, he seemed to realize that the topic had been diverted.

"This wasn't in the plan, and that's gone wrong too. Did you already pull some strings on your own?"

Luo Yang asked with a hint of doubt, "There's really not much I can do to help in the past year or two."

"No, Mr. Luo can help me."

Dong Xuan said firmly, "When I said I was lying down, I wasn't joking."

Luo Yang: "?"

His eyes, which had been closed, suddenly opened: "What do you mean?"

“After returning home from the Gray Rhino last night, I didn’t sleep a wink, tossing and turning over some things.”

Dong Xuan smiled and looked at Luo Yang. "Mr. Luo, did you suddenly invite me and Mr. Cai to observe the live trading of US crude oil futures last time because you're short of money and need to raise funds by setting up a fund product?"

Before Luo Yang could speak, a slender, jade-like finger pressed against his lips.

"After thinking it over, there may only be one reason: to take advantage of this opportunity to get the gray rhino running and prepare for a continuous stream of huge amounts of money to be earned from overseas financial markets in the future."

Based on the information she had, Dong Xuan imagined: "Judging from this operation, President Luo should have another considerable amount of funds invested. If the gains are as substantial as last night, within six months, President Luo's cash flow will be a huge figure."

Luo Yang was stunned for a moment.

Her micro-expressions were immediately captured, and Dong Xuan became increasingly convinced that she had guessed correctly.

"I remember the first time I observed the live trading, Mr. Luo already had more than 80 million US dollars in principal. At that time, the price of crude oil was just over 100 US dollars per barrel. Last night, when I observed the live trading, the price of crude oil once dropped to 85 US dollars per barrel. With 80 times leverage and full margin trading, Mr. Luo will make a fortune from this wave alone."

As Dong Xuan spoke, she carefully observed Luo Yang's eyes and expression.

"Mr. Luo, I believe you haven't sold off your entire inventory yet, have you?"

After saying this, the smile disappeared from Luo Yang's eyes.

He stopped relying on the comfort of her, sat up straight, and stared at Dong Xuan, saying, "Why are you so concerned about how much money I make?"

“It wasn’t that I specifically sought to know; rather, Mr. Luo showed it to me on his own initiative.”

Dong Xuan did not avoid the gaze and replied with a smile: "Moreover, President Luo did not invite President Cai the second time. I can take this as you indicating some information to me, which is why I thought about it carefully after I went back last night."

Goodness, they can actually imagine things to this extent.

Luo Yang himself was unaware of such a hint.

But he looked at Dong Xuan calmly and said, "Go on, I'd like to hear what you've figured out in one night."

"I've thought about it a lot, and I'm really conflicted."

After looking away, Dong Xuan sighed and said, "You've stirred up my heart."

Luo Yang: "."

"You think I'm dressed like this and sitting here tonight because of Chu Xinyao?"

Dong Xuan glanced at Luo Yang: "Even if she really does ditch me, tries to steal the credit for this deal, and doesn't intend to keep her promise to me, so what? I can just wait a year or two before changing jobs; I can always get help from you."

That look in her eyes was filled with as much resentment as could be.

If someone who didn't know the situation saw this, they would think that Luo Yang had toyed with Dong Xuan's feelings and then cruelly abandoned her.

I almost shivered.

"You know your outfit is inappropriate, right?"

This time it was Luo Yang's turn to look away. He leaned back into the gentle embrace, his eyes slightly narrowed, and said, "Do you really think I'm a wolf that doesn't eat meat?"

"cluck"

Upon hearing such threatening words, Dong Xuan suddenly burst into laughter, laughing so hard she nearly fell over.

It was really trembling.
I can't bear to look anymore.

"Mr. Luo, you've made so much money, haven't you ever thought about opening your own bank?"

"."

As soon as those words were spoken, the living room fell silent, with only the sound of breathing remaining.

A moment later, Luo Yang sat up straight and stared at Dong Xuan with wide eyes.

"I guess that by the end of this year, Mr. Luo will have no less than 20 billion US dollars in his hands."

Dong Xuan wasn't afraid of Luo Yang glaring at her.

Since we've opened up, let's be thorough: "With such a large sum of money, Mr. Luo could easily acquire a small bank. I'm sure Mr. Luo has already considered the benefits, right?"

For a company without access to public financing, funding becomes a bottleneck for business expansion.

If a company can have access to a financial platform like a bank and open up financing channels, its future development will be unstoppable.

There are plenty of ready-made examples out there.

For example, Alibaba Group's financial platform mainly includes Ant Group, Alibaba Cloud Financial Services, and MYbank.

Ant Group provides a variety of financial services, including Alipay, Yu'ebao, Huabei, and Jiebei.

Alibaba Cloud's financial cloud service provides IT resources and internet operation and maintenance services to financial institutions such as banks, funds, and insurance companies. MYbank is the first bank in China to build its core architecture on a financial cloud, primarily serving small and micro enterprises.

In addition, Alibaba also had Alibaba Financial (also known as Alibaba Microfinance) to provide micro-loans and other services to micro and small enterprises and individual entrepreneurs.

Another example is Tencent, a behemoth.

In addition to its super cash cows like its gaming companies, Tencent also has a significant presence in the financial platform sector.

In this regard, they were jointly established by Tencent Investment, Shenzhen Stock Exchange Tencent Certification Center and Shenzhen Stock Exchange Tencent Financial Co., Ltd., integrating financial services such as wealth management, lending, wealth management, investment and wealth management, loans, and various insurance and wealth management, to provide users with safer, more convenient and professional one-stop financial services.

Tencent Finance's investment and wealth management services encompass a wide range of products, including online lending, funds, insurance wealth management, fixed-term wealth management, precious metals, and foreign exchange. These include not only third-party wealth management products developed by Tencent Investment and others, but also wealth management products from third-party partners, providing users with comprehensive, safe, and convenient investment and wealth management services.

In addition, Tencent Finance also offers loan services with flexible loan terms, low interest rates, and fast online approval.
There are countless examples like this.

The key point is that they are a listed company and have financing channels in the stock market.

They continued to focus on developing their own financial platform.

"Mr. Luo, your two consecutive live trading demonstrations have shown me your ambition."

As Dong Xuan spoke, her face flushed and her emotions ran high: "Thinking back to what you said after leaving the Min family last time, I could already vaguely see your ambition then, and now I'm certain that your grand plans are truly enormous."

Luo Yang: "."

He himself didn't know he had such great ambitions.

When I get busy, I even think that I've earned enough money and there's no need to go through all this trouble.

He plans to consolidate his businesses to a scale of tens of billions, cultivate a few trusted lieutenants to take charge, and then retire before the age of forty to travel the world and live a truly wealthy and leisurely life.
Now Dong Xuan is actually imagining that he has great ambitions.

His ambitions were so great that he wanted to build a business empire.

Forehead.
At first, he just wanted to stay in a small county town and be a rich man.

Expanding too much isn't always a good thing.
"Is it too late for me to volunteer now?"

Dong Xuan moved closer and closer, almost touching Luo Yang.

"Mao Sui recommended himself?"

There was no room to back away at this point, because Wen Wan was stunned by their conversation and stood there frozen for a moment, effectively trapping Luo Yang between her and Dong Xuan.
Luo Yang could only turn his head and say, "You mean I should start a bank and invite you to be the bank manager?"

"Hasn't President Luo thought of that?"

Dong Xuan's tone turned mournful: "So it turns out that President Luo never cared about me. Is it because I'm incompetent, or because he didn't trust me enough?"

As she spoke, her breath, fragrant as orchids, touched Luo Yang's face.

"Sit down!"

Further ahead, Dong Xuan was about to wash Luo Yang's face.

Left with no other choice, Luo Yang reached out and pushed him away, saying with a serious expression, "Since you've volunteered, I'll give you a chance. First, tell me your plan: how can you take control of a bank?"

"The example of Yongcheng Bank is right there; why not just learn from it directly?"

Ignoring the hand that was pressed against her chest and pushed away, Dong Xuan answered as if she were interviewing: "Find a small local commercial bank, find a few well-connected local business owners to cooperate with, of course, provided that President Luo acquires a controlling stake."

When it came to the actual operation, Luo Yang fell silent.

But he was listening attentively to what Dong Xuan had to say.

"Mr. Luo, may I ask you something, if it's a convenient time?"

"You ask!"

"Does Yangshi have such a commercial bank?"

Dong Xuan looked at Luo Yang and said, "These commercial banks in fourth- or fifth-tier cities are small in scale and have few assets, but they have all the attributes that a bank should have. They are the best natural acquisition targets for you."

Luo Yang was stunned. There really was one.

Its predecessor was a credit cooperative, which was transformed into a rural commercial cooperative bank a few years before Luo Yang's rebirth. Whether it was privatized or who invested in it, he didn't know, but it was true that there was such a bank that met the requirements Dong Xuan had mentioned.

"It seems so."

Even without Luo Yang's answer, Dong Xuan could guess just by looking at his expression.

"Mr. Luo must have invested quite a bit in his hometown, right?"

Yongcheng Bank once provided a loan to Sunshine Electronics, a manufacturer of selfie sticks, with Zhengyang Group as the guarantor. At that time, Dong Xuan was the director of the credit department.

Therefore, she knew that Luo Yang had considerable assets in his hometown.

Knowing this information, she also believed that Luo Yang's acquisition of the commercial bank in his hometown was the best option.

If Dong Xuan knew about Luo Yang's father-in-law's status in Yang City...
"Although it's not quite as big as it is in Shanghai right now, it's still not small in scale."

The fact that Luo Yang could say such a thing clearly shows that he was also tempted.

He revealed some information, saying, "In three to five years, the scale of the industries I have set up in Yangshi will not be less than 500 billion yuan, and they will all be unlisted companies."

That's still being modest.

Zhengyang Group alone already has annual sales exceeding 10 billion yuan. In the next three to five years, it will not be difficult for it to develop into an apparel group with annual sales of 30 to 50 billion yuan.

The scale of wind power projects will not be less than 30 billion yuan in three to five years.

There's also the real estate sector, which can be quite large, sometimes worth tens of billions.

In addition to the cultural and tourism projects located in Xishu Town, Guangfan Electronics, which combines selfie sticks, power banks, and other products, has transformed from a pre-mixed cement mortar plant into a new type of building materials factory.
Dong Xuan's eyes lit up immediately.

"Mr. Luo, I thought you were already very successful in Shanghai, but I didn't expect you to be even more successful."

The woman continued her analysis while joking, "With the scale of your business back home, negotiating with the local government about investing in a commercial bank shouldn't be too difficult."

Of course it's not big.

If Jiang Yuanshan were to be brought along, the city would absolutely welcome them to take over.

But does it really have to come to this?

Luo Yang fell into deep thought.

As Dong Xuan said before, Luo Yang can gain at least 20 billion US dollars in profit by taking advantage of this wave in the US crude oil futures market.

However, the money has already been largely allocated.

The acquisition of the group's headquarters building will require 2 million US dollars; the first phase of investment in new energy vehicles will require reserving 10 billion US dollars. (Investing 60 billion RMB alone is not enough; the proceeds from the sale of Lemon CC will be used for the second phase of investment, which will amount to approximately 50 billion RMB.)
Another new idea of ​​his is to assemble mobile phones, which requires a start-up capital of about 5 million US dollars, and he doesn't know if that will be enough.

They divided it into pieces, cut a little from the east and a piece from the west, and in the end, not much was left.

If we want to acquire the local commercial bank again
"How much would it cost to acquire a controlling stake in such a local commercial bank?"

(End of this chapter)