Rebirth begins with e-commerce

Luo Xiu knew very well that the capital market had been very fanatical in recent years. They waved a lot of money in their hands and looked for investment projects everywhere.

So many companies like bullet shells appeared.

They make up a story first.

For example: "Food, clothing, housing and transportation" is indispensable for everyone, and the rental market is now very chaotic. I want to build an O2o rental platform to provide better services to landlords and tenants, so that landlords can worry and tenants can rest assured.

However, through a large number of advertising and subsidies, gvm (total transaction amount) is made in a short period of time and a very beautiful report is made.

Seeing that this project has great potential, capital began to invest money, add fuel to the fire and further increase its market share.

Then look for listing and the next buyer.

Even before a lot of capital comes in, I understand that this business cannot be successful and will eventually storm.

They just hope that they are not the last one to take over, and as long as they don’t explode in their hands, they will make a profit.

So in recent years, many strange companies have raised a lot of funds and even successfully listed in the United States.

In recent years, the economic situation has been getting better, and more and more people have begun to advocate "consumption upgrade".

However, soon the capital entered a cold winter, and the days of getting financing were gone forever.

...

Luo Xiu knew this routine of telling stories and painting big cakes, and said to him with a smile: "The rental market is too big. If you want to make a certain scale, you have to spend a lot of money in the early stage!"

"I really don't have money now, but Mr. Luo, you have money. I came here this time to sign a loan cooperation of 10 billion yuan."

After hearing this, Luo Xiu smiled and said, "To put it nicely, what you are doing is an O2o long-term rental apartment platform. To put it bluntly, the houses belong to the landlord. You are an empty shell without asset mortgage. It is too dangerous for me to lend you money, and there is no guarantee."

"I understand your concerns, Mr. Luo, but this time I came to you to cooperate with you, not to ask you to lend me the money, but to lend the money to the tenant."

"Boss Gao, you might as well make it clearer." Luo Xiu hates others playing puzzles with him the most.

"I rented a house with a market price of 3,000 yuan per month for 2,000 yuan, and the condition is that he must hand over the house payment for one year in his own name.

Tenants repay the loan to the bank every month in the form of paying rent, and I can get a one-year rent loan in advance to develop new business.”

When Luo Xiu heard that he said this, he finally understood what he meant.

The reason is very simple, it is the same as selling off-the-selling houses in real estate.

For example, real estate developers want to build a house, but they don’t have enough cash, so they must borrow 10 billion from the bank.

It is too risky for banks to lend such a large amount of money to real estate companies. If it fails, the bank may be wasted 10 billion yuan.

Therefore, the bank decided to go around and lent the 10 billion that should have been lent to real estate companies to 2,000 buyers, each of which was 5 million, which was equivalent to splitting the risk into 2,000 copies.

This money was not in the hands of the buyer, but was directly handed over to the real estate company to use it as leverage to acquire land to develop more properties.

If everything goes well, house prices continue to grow and houses can be sold, then there is naturally no problem.

If the property developed in the later stage cannot be sold, the capital chain is broken, and the house pre-sold in the early stage has no money to complete and cannot be paid.

It has nothing to do with the bank. The bank's money is not lent to real estate companies, but to ordinary people who buy houses.

It has nothing to do with the bank if you can’t move in. You still have to pay the mortgage on time every month.

Now the owner of this bullet shell apartment has come to Luo Xiu.

It is also because he needs a large amount of funds to expand his territory, and there are large amounts of funds in Pinru Bank that need to be lent out to earn interest.

However, the Kasin Apartment has no assets in its hands and no mortgage is given to the bank.

Luo Xiu could not lend him the money for risk reasons.

So he turned his attention to the tenants and decided to let these tenants share the risks.

The money was borrowed in the name of the tenant, but it was not actually in the hands of the tenant.

Gu Pan

In the entire cycle, tenants rent cheaper houses, the shells get more funds to expand their scale, and banks earn interest through loan business.

It seems like a win-win situation.

But as the plate grows bigger, the best outcome is that the shell will be successfully listed and absorb a large amount of funds from the stock market.

Then the company's senior management and capital began to flee because they knew that they would definitely not be able to monopolize the entire rental market.

The performance achieved through subsidies will definitely not be profitable in the end.

When they escape, they will ignore what the company will become.

The financial report was unsightly, the stock price fell to the bottom, and the money from investors was wasted.

The reputation of Chinese stocks listed in the US is largely damaged by such companies.

The worst outcome is that the capital chain breaks early and the company explodes.

But for banks, it is not lending money to bullet shells, but to tenants.

Most of the people who rent houses are young people who have just left the society to work.

This group has a bright future. You can’t put yourself on the list of dishonest people for the sake of this or 20,000 yuan, right?

They have to return the money to the bank in the end.

...

"You are really a genius!" Luo Xiu said with a sneer on his face.

"Mr. Luo, my plan is beneficial to you without any harm."

He knows that Internet banks are not as credible as traditional banks and it is difficult to conduct business.

Corporate loans are usually given priority to finding traditional banks, and those who cannot get payments from traditional banks are usually not high-quality customers.

Now that such a large amount of business is coming to his door, he is not worried that Luo Xiu would refuse.

"You're right, it's indeed Bailey..."

"Communicating with Mr. Luo is really simple. Unlike the old-fashioned traditional banks, I can't understand after chatting with them for a long time."

"When I finish it, it's really a Baili, but it's a bad thing."

"Oh, what's the harm?" Boss Gao said dismissively.

"It will kill children and grandchildren."

"you……"

Boss Gao suppressed his anger, "We do business, peace is the most important thing. Even if we don't cooperate, there is no need to hurt people, right?"

"You are right. It is my purpose in dealing with people and animals, but I don't have to pay attention to peace and value."

Luo Xiu knew that the shell would thunder in the future.

The landlord did not receive the rent and wanted to take back the house.

Many newly graduated students have to pay the rent loan to the bank every month while being kicked out by their landlords.

The heart-wrenching degree is like buying a mobile phone in installments and being stolen the next day, but I still have to help the thief pay off the loan every month.

"Okay, I, Lao Gao, have recorded the humiliation today. Don't think that I will not get any money without your help."

After Boss Gao finished speaking, he could only rush out the door angrily.

What he said was just a stubborn word.

The status of the two can be said to be the difference between heaven and earth.