Chapter 1563 (1/2)
Netizens are looking forward to Li Dong's return, and Li Dong is spending his honeymoon while preparing his own plans.
Far away group, after the development of these years, many things can not keep up with.
However, in the fierce competition environment, most things are filled in the competition.
However, the development of enterprises should be attributed to talents and funds.
Without the support of these two points, no matter how good the creativity is, it will become the tool of making money for others in the end.
Nowadays, in terms of talents, there are a number of talents who have begun to take up their posts by constantly prying into the corner of the wall, carrying out social recruitment, and establishing talent training bases through cooperation with some universities and government agencies.
In the end, the factors that limit the development in the distance are back to the origin.
Money!
In fact, there is no shortage of money in the distance, hundreds of millions of billions. Sometimes, in terms of distance, it will accumulate over a period of time, and the group will be able to replenish blood.
But for such groups far away, especially when Li Dong's wolf is very ambitious, hundreds of millions of billions are no longer enough to meet Li Dong's needs.
Even tens of billions of funds, for today's Li Dong, sometimes even a plan can not support.
After getting the consumer finance license, Li Dong thought about how the leverage ratio of lending enterprises was produced.
The so-called leverage ratio refers to the amount of money released by these enterprises with small loan license and consumer finance license exceeds the registered capital by several times or even dozens of times.
Just like remote finance, this time it has increased its registered capital to 2 billion.
In other words, the actual cash stock of remote finance is about 2 billion. How can we make loans of hundreds of billions through the 2 billion cash?
In the past life, the registered capital of ant finance was not as much as that of distant finance at the beginning. With a registered capital of more than one billion yuan, hundreds of billions of loans were issued, and then there were hundreds of billion loan balances.
This means that ant finance has too much money to let go.
And the other party's actual registered capital is only a dozen billion.
Where did the extra 100 billion yuan come from?
This money, in fact, is not the money of yu'ebao. Some of it may be, but it is not directly transferred to ant finance through yu'ebao.
All this money is from financing.
Different from the traditional equity financing and bond financing, ABS financing is a newly emerging international financing channel.
In fact, the concept of ABS came into being not too late. It was introduced internationally in 1998, and Huaxia also implemented it in mountain city in 1998.
In general, it is to attract investors from all over the world for investment and financing with the expected future income of a project and its own fixed assets.
Nowadays, ABS financing is actually the most government infrastructure projects.
Like a highway, high-speed rail road and Yangtze River Bridge, it is possible for the government to raise funds and absorb social funds.
The price is to guarantee the future toll, operation fee and the project itself.
The government doesn't have to pay for it. It takes decades to pay off the debt. After that, it takes the infrastructure back to the state.
In fact, this method has been used in social infrastructure projects for a long time. Of course, it was not called ABS before.
In the past, ant finance has hundreds of billions of cash in stock, most of which are financed through ABS.
At the beginning, there may not be many investors to absorb international funds with loan income and interest as guarantee. However, when ant finance is on the right track and has considerable income, many people will invest.
Among them, even some government agencies.
Government agencies, with employee pension, social security, unit trust, mutual fund, medical insurance These funds, investment income, that is normal, is also legal compliance.
Employees and units pay for social security and medical insurance. The money goes to the government, and the government can't stay there.
It is also a matter of course to be optimistic about some projects and invest.
Of course, the government's funds are generally based on social infrastructure projects.
Some foreign railway laying, bridge construction, including energy projects, which are the government's investment objectives.
Of course, not all of them are invested. Foreign bonds and large bills are also the targets of government investment.
In short, they are all based on stability.
ABS financing projects are generally relatively stable. Social infrastructure and energy projects are the main projects, and the financing enterprises involved are generally industrial.
It is a fact that industry is not good at financing.
However, with the popularity of ABS financing, some industrial giants can also use some means to beautify their enterprise projects and carry out ABS international financing.
And it doesn't have to divide shares, as long as you repay the interest and principal of investors.
ABS financing because of the participation of many investors, in fact, is also disguised to reduce the risk.Originally, an enterprise needs tens of billions of financial support. At this time, the financing parties are generally limited to a few, which looks like dozens of great companies.
After all, there are too many enterprises involved, and in the end, there are too many chaotic troubles.
At this time, the participating enterprises are also very risky, with tens of billions of funds.
However, the risk of ABS financing is much smaller. In the end, tens of thousands of enterprises and individuals may participate.
In terms of form, ABS financing is similar to social fund-raising.
However, the main body of ABS project exists in reality and is guaranteed by assets, which is much less than the risk of individual fund-raising in society.
……
This time, because Li Dong got the license of consumer finance, he thought of ABS financing plan.
He doesn't want to continue to share the equity in the distance. If the loan is less than 10 billion yuan, it is not very difficult for the bank, and even there is hope for tens of billions.
But no matter how much, the bank is not his home, how can unlimited loans to him.
We don't want equity financing or loans. We can only use ABS to split some projects in the distance and package them, and then carry out ABS financing. This is Li Dong's idea.
Remote finance, now has the business license in this respect.
In fact, remote projects can also be used for online financing, which is different from self financing.
If there is not much capital absorbed by the society, at this time, Li Dong can invest the capital absorbed by yu'ebao into the ABS field through Tianhong fund.
As a result, some policy problems have been avoided.
Therefore, taking ABS financing from afar is actually guaranteed.
Even if not through his financial company ABS, Li Dong can also find some deep-rooted specialized guarantee companies in the world to carry out ABS financing.
And the distance does not need to pay too much, with the project assets and future income as guarantee.
As long as someone is optimistic, there is no need to pay extra for the interest in the distance.
This is more convenient and simple than taking one's own assets and making mortgage loans.
And the ultimate equity will not be dispersed, which is one of the main reasons why ABS financing has become more and more popular in the world in the past two years.
……
In the hotel.
It was dark outside.
During the day, Li Dong and Shen Xi went to the seaside for a visit and spent the afternoon in the sun.
Back to the hotel, after dinner, Li Dong began to make his own preparation plan.
No matter any financing plan, there is no perfect plan, no one can move the people's heart of the project subject, others are not fools, naturally will not pay out the money.
Now, the main body of the project is still in Li Dong's plan and has not been actually produced, so he can only do the work himself.
Li Dong, while pondering, knocked on the table with the penholder and added a few words to the plan in front of him from time to time.
I don't know when, Shen Xi came into the door with her milk and said in a soft voice, ”have a glass of milk first. I'll run around with me in the daytime. I'll work when I come back at night. You're not tired. I'm tired.
If you're really busy, we'll go back to Pingchuan tomorrow.
In fact, the scenery outside is just like this. It's not as good as our east garden. ”
Li Dong took the cup and said with a smile, ”can that be the same? This is the sea, our house that is a small pond, can not compare.
Besides, I'm not tired.
These days, in fact, there is nothing to be busy with. The main thing is to work out a plan. ”
Seeing Shen Qian's desire to speak, Li Dong put down his pen and said with a smile: ”in fact, it's the plan that Yuan Chengdao and I have proposed before.
I said last time, let them investigate the current situation of the global retail industry?
Distant retailing has already become a hegemony in China. If we want to dominate, the only thing we can do is to defeat several other giant retail enterprises.
But even if we were defeated, we would still be struggling in China.
If we really want to catch up with and surpass Wal Mart from afar, we may be able to do it simply by revenue, but the actual influence is not the same.
Therefore, if you want to achieve this scale and increase your influence, only globalization and internationalization are needed!
And what is the premise of all this? ”
”Money.”
Seeing that he finally told herself these things, Shen Xi felt much more relaxed. She sat down beside him and said, ”now, if you want to globalize and internationalize, you need too much capital.
You don't want to penetrate slowly, but you want to occupy a certain market share as soon as you enter.
In this case, only the acquisition of some local giant retail enterprises can be achieved.
But this is the layout of the country, not the layout of a county, a prefecture level city, like China.
Enterprises with a certain market share in a country, once acquired, are often billions of billions. I mean US dollars!Far away, although the profit is good, it is not enough to support this plan.