Reborn as a female internet celebrity in a county town

Chapter 284 Is this what Lao Tzu meant?

When Lin Lang woke up around 1 a.m., he saw Yan Lifa's message and learned about this.

He then called Yan Li back and asked her to schedule a time after 3 p.m.

This matter definitely needs to be settled, after all, the 5 billion yuan in medical insurance represents more than just 5 billion yuan.

The medical insurance sector is very wealthy; they can secure 5 billion yuan in a very short time. The funds they control are likely several times or even more than ten times that amount.

This is much richer than those small rural banks, where people work themselves to the bone trying to raise money and still haven't managed to do so.

Lin Lang and Yan Li walked into the office. Guan Sheng stood up, greeted the two of them first, and then introduced, "This is Luo Ze, the person in charge of medical insurance."

Yan Li and Lin Lang shook hands and greeted each other.

Immediately afterwards, the two were led to the conference room.

Tianjin Capital's meeting room is not large. Under normal circumstances, it would be a bit crowded to accommodate more than a dozen people. The long table is only a little over four meters long and less than two meters wide, and the entire room is only forty square meters.

Yan Li never imagined that Tianjin Capital could reach this scale in such a short time, so... the allocation was based on that of a small company.

However, preparations are already underway for a new location, where the company will have a dedicated cafeteria, and all aspects will be significantly improved.

After sitting down in the conference room, Yan Li said, "Leader Luo's purpose in coming here today is to confirm the funds previously lent to Tianjin Capital, right? We have already invested these funds into Tianjin Hybrid Selection's account."

Luo Ze: "..."

Guan Sheng: “…”

Didn't they say they didn't use it for stock trading?
Are they going to lay their cards on the table right now?

Guan Sheng didn't expect Yan Li to be so direct. He could have at least been more tactful. Luo Ze wasn't so worried anymore.

If you handle it a little more tactfully, and cover for yourself from the sidelines, the whole thing will just blow over without you even realizing it.

Luo Ze had no choice but to bite the bullet and say, "President Yan, you previously said that you would manage this money prudently."

"Yes, investing in Tianjin Hybrid Selection is the most stable approach for us. Look, I have a chart of the recent treasury bond market. In the last thirty days, the treasury bond market had eighteen days of intraday losses and only twelve days of intraday profits. But our Tianjin Hybrid Selection chart shows that in the last thirty trading days, we had twenty-seven days of unrealized profits and only three days of losses..."

Luo Ze: "..."

Is this even a valid way to calculate it?

The government bond market fluctuates by a few thousandths every day. How much does your Tianjin Hybrid Selection product fluctuate every day?

Of course, using the fluctuation of Tianjin Hybrid Selection as an example is not convincing at all, since the net value of Tianjin Hybrid Selection has increased several times in thirty trading days.

But in the end, I invested in the stock market, and entering the stock market means being subject to its fluctuations. The sharp fluctuations did not conform to the previous agreement on stability.

But none of that matters anymore, none of that matters anymore...

Most importantly, Tianjin Capital has money!
Luo Ze then said, "I believe that with Tianjin Capital's strength, investing in the stock market is indeed a sound financial strategy. I just happened to see some of Tianjin Capital's reports in the office. But don't worry, Mr. Yan, we will definitely not leak the information."

"Ah."

Yan Li did this because Lin Lang instructed him to.

She also knew what Lin Lang meant by doing this, since outsiders had no idea just how rich Tianjin Capital really was.

Their money is mixed with the money of fund investors, and even the banks can't figure it out. Unless the banks and Guan Sheng provide all the data for a one-to-one comparison, and also obtain Tianjin Capital's daily expense reports, they still won't understand.

Luo Ze continued, "Tianjin Capital's ability to make money has truly impressed us; it's quite a shock to both of us. However..."

"Please speak, Leader Luo."

"That's right, I think Tianjin Capital's earning ability is severely limited by its funding. If Tianjin Capital had another 5 billion, its own funds would probably have reached 10 billion or even more..."

While Yan Li was still pondering the meaning of the other person's words, Lin Lang immediately spoke up, saying, "What Leader Luo said is absolutely right. When it comes to making money, our CEO Yan says she's second in the world, and no one dares to claim to be number one. It's just that she's a bit too conservative. She was always unwilling to borrow money before. If she had been willing to borrow money for development, Tianjin Capital's own funds would probably have exceeded 30 billion by now! This is not only my personal regret, but also the regret of the entire Tianjin Capital."

Later, Mr. Yan came to his senses and proactively borrowed money from the bank. Although he made some money, it wasn't much overall. However, Tianjin Capital's situation was rather unique; the money was constantly being invested and couldn't be converted into collateral… Of course, converting it wouldn't be very meaningful, so they basically couldn't borrow any more money now, which is why they thought of issuing bonds.”

Luo Ze nodded and said, "That's true. It would be a shame if someone with the ability to make money were limited by it."

"Well... would you like to borrow a little more, Mr. Luo? We don't need too much, just a hundred or two billion will do."

Guan Sheng hurriedly said, "President Lin, the funds from Leader Luo's side are not something that can be lent out casually. The previous 5 billion was just the result of diversified allocation. Where are we going to get 10 or 20 billion now? I will inform you if there are any new funds in the future."

Guan Sheng already understood what Luo Ze meant; this guy was utterly shameless.

Seeing that Tianjin Capital had money, they wanted to rob them.

However, his method of robbery was different; he didn't just demand the money directly.

At this moment, Yan Li also understood. In any case, she understood from the moment Lin Lang said he wanted to borrow money from Luo Ze.

Lin Lang said, "Leader Guan, funds have a time limit. Once the time limit is over, President Yan may not be able to make money. By the time your funds arrive, it will be too late."

Upon hearing this, Luo Ze chuckled and said, "That's true. In the stock market, seizing every opportunity to make money is crucial. Once the market lacks a profit-making effect, even the strongest abilities will only result in losses. I do have money, but... the risks of entering the stock market are ultimately too great. Of course, this only applies to us; our funds are subject to strict requirements..."

Lin Lang chimed in, "Leader Luo, no matter how strict the requirements are, the essence is still making money! As long as we offer high enough interest and strong enough oversight of funds, I don't think these are problems."

"Oh? What do you mean by 'the interest rate is high enough' and 'the supervision is strong enough', Mr. Lin?"

"First of all, there's the interest. Tianjin Capital is willing to offer a coupon rate of six percent, which is something you, Mr. Luo, probably won't be able to get anywhere else."

Luo Ze nodded: "That's true, but overall it's still not enough, because there are too many people to persuade. We may not be able to get six points, but we still have a chance to get close to six points."

Guan Sheng, who was standing to the side, was getting anxious. He really wanted to interject, but Luo Ze didn't give him the chance.

Lin Lang had just finished speaking when Luo Ze took over.

It's obvious that Luo Ze is deliberately trying to lure Lin Lang into a trap.

Luo Ze saw that Tianjin Capital had nearly six billion yuan in its own funds and knew that Tianjin Capital had a strong ability to withstand risks. No matter what, it wouldn't lose all of his principal, so...

As soon as Luo Ze finished speaking, Guan Sheng immediately interrupted, "President Lin, a six percent coupon rate is a lot of pressure."

Unexpectedly, Lin Lang laughed and said, "Not much, only six points. Tianjin Mixed Optimized Selection earned six points yesterday. Leader Luo, if you feel that six points isn't enough, we can discuss it further..." Luo Ze smiled and said, "Then what do you think is appropriate, President Lin? Also, can President Lin make the decision on this matter?"

"Of course! President Yan specifically called me today because he knows I'm shameless enough to ask me to help him borrow money. Manager Luo, what do you think of an 8% coupon rate?"

Lin Lang then added two more points.

Guan Sheng was rendered speechless.

Damn, an eight percent coupon rate! If Tianjin Capital weren't so lacking in resources, an eight percent coupon rate would be enough to drive funds across the country crazy.

Earning a stable 8% profit? Where in the world is there such a good thing?

The benchmark interest rate for a three-year bank loan is only 2.75%.

When Luo Ze heard the number eight, he started to get excited, but he also knew that continuing down this path was not very realistic.

Although Lin Lang seems like a naive young man, Yan Li is not stupid.

"Eight points is no problem, but the risks still objectively exist. We need to monitor the funds 24 hours a day. As for the scope of the monitoring, Mr. Lin, could you elaborate?"

Lin Lang: "Before discussing regulatory standards, how much money can you lend, Mr. Luo? Tianjin Capital has the capacity to accept both domestic and international funds."

“Five billion! Of course, it can be converted to US dollars, we also have foreign exchange quotas for medical insurance.”

Lin Lang was somewhat disappointed. "Leader Luo, 5 billion is a bit too little. We've already offered an 8% coupon rate. How about we round it up to 10 billion? 500 million will be paid in US dollars, and the rest in RMB?"

Luo Ze: "..."

Ten billion is really too much.

He has the ability to mobilize billions of dollars, but the problem is that the more money he has, the more difficult it is for him to persuade others.

Even with an 8% coupon rate, it still lacks persuasiveness.

Lin Lang continued, "All our funds are subject to supervision. From the moment your funds are deposited, if the net asset value of either of our two funds drops by 20%, we will immediately withdraw all the funds belonging to medical insurance to not only repay all the interest for this year, but also automatically trigger the repayment clause. What do you think?"

Luo Ze immediately fell into thought.

Tianjin Capital currently has 5.8 billion yuan in its own funds. If it lends out another 10 billion yuan, then the total amount lent out will be equivalent to 15 billion yuan.

Based on a 20% pullback, the initial 15 billion will be reduced to only 12 billion.

Tianjin Capital's 5.8 billion yuan will still have around 4.6 billion yuan left.

They need to come up with 3 billion to make up the principal, and of the remaining 1.6 billion, 1.2 billion will be used to pay interest, leaving them with a little bit left over.

Lin Lang's regulatory strategy can be said to have just hit the mark, with a slight margin of error.

Of course, there are still problems. For example, a large withdrawal of funds can cause the net asset value to collapse. It may have only dropped by 20 points in the previous second, but with the withdrawal of more than 10 billion yuan, it may drop by 22 or 25 points.

"We can only accept a pullback of eighteen points."

Rose offered an even more demanding condition.

Only when the net asset value drops by 18 points can their capital security be maximized.

Anyway, Tianjin Capital doesn't hold just one stock; it holds all large-cap stocks. With multiple stocks spread out, it's not a big problem for them to generate tens of billions a day.

"No problem! But we need to change the funding ratio; we need eight hundred million US dollars."

Luo Ze smiled and said, "It seems you have more confidence in US stocks, which is perfectly fine."

"I disagree!" Guan Sheng stood up abruptly at this moment.

Damn it, Luo Ze is so shameless.

Originally, Tianjin Capital's ability to withstand risks was getting stronger and stronger, but with Luo Ze's actions, if there is even a slight pullback, Tianjin Capital will be completely finished.

He can't let that happen.

Yan Li didn't actually want to agree either; she didn't want Tianjin Capital to run into problems all at once.

However, on the way here, Lin Lang said something.

The stronger Tianjin Capital becomes, the more benefits it receives, not just from the money Tianjin Capital itself earns, but also from other sources...

At the time, she thought Lin Lang was explaining why he deliberately showed Guan Sheng and the others their financial statements. Now it seems that Lin Lang's purpose in showing them the statements was to get them to continue to put in money and leverage Tianjin Capital.

Guan Sheng can't produce it, but Luo Ze can.

Even if it's an 8% coupon rate, Lin Lang is willing to accept it.

After all, there aren't many people in the world who can come up with tens of billions of dollars at once.

Yan Li borrowed 3.4 billion yuan, not only because of personal connections and saving face, but also by mortgaging his own shares; otherwise, things wouldn't have gone so smoothly.

She stood up and said, “Leader Guan, you should trust Tianjin Capital, trust President Lin and me. Although Tianjin Capital is currently facing pressure, it is also an opportunity for Tianjin Capital. As long as we seize this opportunity, we can save Tianjin Capital from taking several years of detours.”

When Yan Li said these words himself, Guan Sheng fell silent.

He sat down and said, "Don't go overboard. You need to manage the risks. If you encounter problems, don't stubbornly resist. Cut your losses immediately. I'll try to help you make up for it."

These are not words that Guan Sheng should normally say.

They practically had "I can give you special treatment" written all over their faces.

"With the leader saying that, we can go ahead and do it with peace of mind," Lin Lang said from the side.

Guan Sheng's face instantly fell.

Is this what I mean?

(End of this chapter)