Vol 4 Chapter 557: Stupid Situation (3)

Shi Wenjun was blown up by Wang Ai's statement: I am a seller of eggs, why did I open a bank? However, the second bomb came again immediately, and Wang Ai continued: "Actually, we have already invested in several city banks and purchased shares of several banks. So this is not the first time our family is engaged in finance. To be honest, there is already an embryonic form of a consortium."
Consortium? At this moment, even Xu Qinglian was dizzy. A few years ago, we sang the successor of communism. Why did we become a financial oligarch?
Wang Ai needs to know that their mental activities must roll their eyes. You are, am I not? This is called the primary stage of the coexistence of multiple economic forms, and every possible way to improve the construction speed and development level.
Wang Bin and Ai Xiaoqing remained silent and listened to their sons. In fact, their family had exchanged a lot of these words before, and they had already formed a common understanding, but they didn't talk to others before then.
"If we are only given a set of licenses, then the new idiot fund will be temporarily placed under the future fund, but it will be divided into two parts during operation. The future fund will continue to engage in angel investment, and the new idiot fund will engage in loans. We can go online. It can also be sold by our bank."
"Then how do we compete with the bank? After all, bank loans have been done for many years and they are very mature."
Wang Ai nodded: "The shortcomings of banks are also obvious. For example, they are conservative and the threshold for loans is relatively high. Once the threshold is low, there will be a lot of bad debts, such as rural micro loans. For us, be more radical and have a lower threshold, such as banks. If the collateral is twice the loan amount, we will put it at 1.5 times. In short, it is to fill all the gaps in the bank, and also to fill the gaps in the future fund. Some entrepreneurs are willing to share equity, and some are not willing to borrow. In a lump sum, the company that pays back the money is still mine, even if I pay more. But for these people, either the collateral is much lower than the loan amount, or they hold a technology patent whose value is difficult to judge. Angel Fund No matter the bank, no one can satisfy him. But our new idiot fund will do. We will plug this gap and provide him with a new product. Of course, the return we want to reap must be at least doubled. Well, if you count it this way, it's even a loan shark. But we are corporate loan sharks, one willing to pay and the other willing to pay, who makes you reluctant to share equity? Of course, this thing is still essentially an identity mortgage loan, that is, who it is not When we come, we have to let it go. At least it must be a graduate of a prestigious school with real talents. It can even be said that this is a kind of talent investment, that is, if we judge that this person can not do this time, he can succeed next time, then we will lend him I can’t chase it back for a while, we will go again when he succeeds in starting a business next time."
"Then what if he doesn't pay the money?" Xu Qinglian thought.
Wang Ai shrugged: "Don't forget that we have a bank. We cooperate with ICBC for credit investigation. If he owes money, we will stuff him in the credit investigation record. Banks and financial institutions across the country will not give him credit. Loan money. No one believes him to cheat our family, I suffocated him to death."
"What does the King Fund do?" Shi Wenjun asked.
"Are you still thinking about charity?" Wang Ai gave her a sideways look.
"Me, I just ask."
"I'm telling you, unless you leave us, you can't do charity anymore. Looking at what you have done in the past few years, my mother said you didn't understand you? Your perspective is narrow, and the ascent channel is narrow. Your body is very worrying!" Wang Ai said angrily, "It's your situation. You have been in contact with those who can't make it through all day, and you will not let you out again. I am worried about you. Don’t live long! I said that you are in charge of the entire idiot company, not a idiot fund, and that idiot’s products are sold to rich people. Why don’t you look at them?"
When Wang Ai said something, Shi Wenjun had tears in his eyes. Ai Xiaoqing gave Wang Ai a sideways look, stood up and walked over, sitting next to Shi Wenjun, holding her phalanx hand: "When you are young, I know you always feel guilty about the death of Bai Fangli and Cong Fei. Don't be so. Think. They have their ideals and pursuits, and we also need to have our ways and methods of doing things. Your monthly salary is basically donated secretly, right? I think you have almost everything except the clothes distributed by the company. Never bought your own things. We don’t interfere with your private life pursuits, but we must be responsible for your future growth. Otherwise, one day your parents will call us at our door, what do you want me to say to your uncle Wang? How do you open this door? You old baby girl, if we don't have a good result, we can sleep?"
"My parents can't..."
"Also!" Ai Xiaoqing patted Shi Wenjun's head: "You girl, you are a good girl. But the more you are, the more we have to make you good. You and Wang Ai has known each other since he was a child. He regards you as a very good friend. After all, there are not many who can invite home. In the future, your Uncle Wang and I will retire sooner or later. Newcomers of your generation will always come up. The more you are like this, the better. So, letting you transfer your job is not only for your own benefit, but also for his benefit and for you all."
"I understand." Shi Wenjun nodded, his lips moved and said in a low voice: "Yes, but I still want to ask."
Ai Xiaoqing was amused, and stabbed Shi Wenjun’s forehead with his finger, and turned to look at Wang Ai amidst the laughter of several girls: "Let’s talk about it, let’s not say she’s tangled up. But girl, You remember, you will not be able to touch these anymore after you rotate your job next year. Even if it is from now on, I will find someone to replace you with the work of your idiot fund. Ok?"
"Hmm!" Shi Wenjun nodded heavily.
Wang Ai on the other side rolled his eyes and pondered: "The specific plan has yet to be perfected. My current vision is that the Wang Foundation will be the main channel for our family's charity in the future. Good things are still to be done, and the bigger picture is that this is us. The original intention is to keep us sober and our direction. At a smaller level, this is also a means for us to protect ourselves. For specific projects, I basically consider several directions: one is a special charity fund for a certain serious illness; the other is Scholarship; the third is a brave fund for righteousness. Separately speaking, the charity fund for this serious illness is expensive and urgent, and it is very popular. But the state cannot solve it for a while. This is also temporary like a student loan. We have to fill in the gaps bravely, and we will withdraw when the country is ready. Scholarships and charity funds can be done for a long time."