Chapter 1581 (2/2)

Next, the group should start to prepare for financing through ABS channel.

Although the scale of consumer loans and exclusive loans is not large, only about 13 million yuan in two days, plus today, it should be about 20 million yuan.

Moreover, most of our loans are short-term one month loans. In other words, according to the present level, we will eventually release about 200 million yuan in one month.

After a month, most of the money will be paid back.

But now it is now. With the passage of time and the successful establishment of our credit system, we will establish credit channels for more users and open their loan business. I think the loan scale will rise in a large scale.

In the end, a month's capital flow is certainly not a small amount. In my opinion, it is not long before the capital flow exceeds 10 billion yuan.

So in advance, we should do some preparatory work. After all, it is the first time for us to do this. I mean, in August, we made a 10 billion yuan financing plan, and the interest rate was about 5%, and the time was three years.

The main body of the project is our consumer loan project.

Try to explore the market situation first, so as not to do this kind of project in the future. We have no experience... ”

After Li Dong finished, Cao Jinsheng, who was in the distance of finance, hesitated a little: ”Mr. Li, what you said is basically feasible.

It can be said that you may not like to hear that, even if the scale continues to expand, by August, our monthly loan will not exceed 2 billion, which is inevitable.

Financing started in August, ABS financing speed is still very fast, and the financing plan may be completed by the end of August.

In other words, the money can only be used for consumer loans.In the end, a 10 billion fund may become our reserve. Even if it is put into a bank account, it will yield profits, but the income will not be too high. Finally, we have to pay at least two extra points of interest.

In addition, ABS financing, in fact, is also to charge, generally about 1 point.

I don't think it is necessary for us to raise more than 10 billion yuan in a short time.

Otherwise, in a year, we will lose at least 200 million yuan.

In fact, even if you want to raise funds, the first billion yuan is more than enough... ”

Cao Jinsheng also calculated Li Dong's account from the actual situation.

There is no need to leave so much money on the far side of finance. Compared with the current scale, 10 billion, this reserve is too much, not to mention its own money.

Is it necessary to give interest to others if the money can't be released?

If 10 billion yuan is left in the account of remote finance, one year later, there is still so much money on the book, and the loss of 200 million yuan from afar is the least.

When he finished, Li Dong frowned and said, ”didn't I say that before? Next, with the establishment of our credit system, we will open the entrance on a large scale.

I also said yesterday that the scale of two types of loans should reach 20 billion in October or so.

You think I'm kidding?

Is 20 billion a lot? A lot of 10 billion?

At present, there are more than 200 million users. My plan is to gradually open the user's rights, and at least 10% of the users will be granted, which is the lowest.

There are 20 million people who can use loans. Even if only half of them are using them, there will be 10 million people.

The amount of loan per capita is 1000 yuan, which is 10 billion yuan.

How long do you think it will take?

As long as the credit system is established, it is possible at any time!

So, prepare ahead of time, at most also spend extra one or two months of interest expenses, the actual time may be shorter, when the enterprise loan is opened, what is 10 billion?

A month's interest, from their interest difference, will soon be able to earn back, in the end, we will only earn, not lose.

Preparation in advance is better than no preparation.

In case there is not enough reserve fund, and there is no loan from customers, that will be the biggest blow to our credibility.

In this case, you should take a step and look at three steps. Don't just look at the things in front of you. Our scale is small, but will it always be this size? ”

When he said this, Cao Jinsheng thought about it for a while, and then he had to say, ”we'll start to prepare immediately, but only 5% of the three-year period...”

In the current ABS platform, the interest rate of 5% is generally short-term interest rate, generally in half a year to a year.

Li Dong wants to use this interest rate for three-year financing, which is a bit difficult.

Li Dong said: ”try it first. In fact, the users who participate in financing not only consider the interest rate, but also the popularity of the enterprise.

Small enterprises need to attract people to participate with high interest rates. Now they are well-known from afar, and the key is to maintain stability.

At present, there are not many large enterprises participating in ABS financing, and the interest rate given by the government projects is not high. Although we can't compare with the government, it can be said that some small countries do not necessarily have the credibility and popularity of us. ”

He said so. What else can Cao Jinsheng do? Finally, he should say, ”OK, I'll go back and make preparations.”

As for the 5% three-year period, it depends on luck whether we can raise 10 billion yuan.

Li Dong can't blame Li Dong for financing less than that. After all, 5% is not really high. Now the bank's three-year fixed period is not much different from this.

Of course, this is world-wide financing. Chinese deposits have interest, and some countries have to pay back their money. We can't look at the problems simply based on the situation of China.

For some foreign investors, 5% is acceptable.

However, things are not as simple as Li Dong said. The key to fame in the distance lies in China, which can only be said to be average in the world. I'm afraid it depends on the listing of microblogs.

As long as the microblog is on the market, its reputation in the world will be established.

Once the microblog fails to produce the desired results, regardless of the financing channels, the financing from afar will be much more difficult.

Cao Jinsheng is thinking about distant finance, but yuan Chengdao, who has never said a word, looks at Li Dong thoughtfully.

In the past, Li Dong seldom cared about these, and he would not even consider what channels to use for financing.

Now, listen to the meaning of Li Dong's words, he should have made an investigation on ABS for a period of time, otherwise he would not open his mouth to the interest rate range.

Is Li Dong really simply financing for distant finance?

Yuan Chengdao thinks it's not only that!

Now, we should first raise 10 billion yuan to try the market. Once the market is good and distant projects are sought after, will there be 50 billion or even 100 billion or more financing plans?What is the purpose of financing so much money?

No matter how much money is raised, it is not your own money, it is to pay interest.

Even if it is 5%, 100 billion yuan of financing, a year down, the interest alone will be 5 billion.

If the 100 billion yuan can not generate more than 5 billion profits, it is a loss making business.

Once there is a loss, in fact, the loss is not only the problem of 5 billion, but the key is that ABS financing is guaranteed by its own project.

If the project does not make money and loses money, the impact will be even worse. Even if we subsidize the interest from afar, it will cause some adverse effects.

After all, in the eyes of many people, investing in distant places is to be invincible in the distance and not to make loss making business.

But if Li Dong uses the money to conduct retail M & A, can he really make profits in the short term?

Yuan Chengdao had doubts about this point. At this moment, he was slightly worried.

With these things in mind, Yuan Chengdao was slightly distracted.

It was not until he felt a gaze around him that Yuan Chengdao woke up and took a look at the crowd.

At this time, one side of Liu Qi quietly reminded: ”Li always let you do a summary of the first half of the two quarters of the performance.”

Now it's July. Half of 2009 has passed, and the performance summary of the first half of the year should also come out.

As the president of the group, the performance summary of the first half of the year is naturally the most clear.

In fact, today's meeting is to give a summary of the first half of the year. All the previous discussions were just additional topics.

As a result, Li Dong asked a few questions, but yuan Chengdao didn't respond, which naturally attracted people's attention.

Liu Qiyi reminded yuan Chengdao that he was busy: ”just now Mr. Li said ABS financing, I was just thinking, can there be some other projects in the distance, also carry out ABS financing, for a while I was fascinated by it. I'm sorry.”

After a brief explanation, Yuan Chengdao was relieved to see that Li Dong didn't care.

Then, Yuan Chengdao picked up the document and began to talk about the business summary report in the first half of the year.

In the conference room, other people also listened carefully. Li Dong even began to write and draw. Obviously, he paid more attention to the performance in the first half of the year.

After all, in the first half of the year, there were a lot of long-distance actions, and a lot of preparatory work had been completed in the first half of the year. Whether we can make a major breakthrough or not, the performance of the first half of the year is still very important.

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