Mission Flow

Listening to Fan Yanjing's words, Cao Su smiled and said nothing. He picked up the teacup in hand and drank slowly.

The way you hold the teacup is very standard and looks very comfortable.

The nineteen-year-old girl Zhao Yu's eyes lit up slightly. Looking at this too young man with great interest! How does this look like thirty years old? Not greasy at all, but handsome.

Fan Yanjing saw that Cao Su was calm and just drinking tea without expressing his opinion, so he nodded in his heart and said with a smile: "Mr. Yu's mother always advocates working with you. Have you heard of the land next to Sun Yat-sen University?"

Cao Su gave a ladder and said with a smile, "I haven't had time to inquire about it yet."

Yu Zhiming smiled and said: "Old Fan, don't bother the two masters with one thing, don't be a secret! I also want to hear the inside story of this land."

Fan Yanjing said to Cao Su: "Sun Yat-sen University has three campuses in Yangcheng. North Campus, South Campus, and East Campus. We are talking about the South Campus in Haizhu. The north of this community is Ersha Island.

The land for this auction is located in the northwest area of ​​Sun Yat-sen University. It consists of an old community and a vegetable market. The land area is about 230 mu, and the starting price is 6.38 billion. Land use: residential.

The difficulty of this land lies not in demolition and other aspects, but in time.

Sun Yat-sen University intends to expand the community a little bit, bringing in the land of the original vegetable market. There are also companies that want to change the land use to commercial land, and build a CBD outside Sun Yat-sen University for consumption by students and teachers of Sun Yat-sen University, the fifth middle school in the nearby city, and the middle school attached to Sun Yat-sen University.

Some people even suggested that this land be turned into a model of "Silicon Valley" and "Zhongguancun" to be used as a base for college students to start businesses.

Moreover, there is a planned subway line in the city that is expected to pass through this land. This will increase the time cost of communication and construction. "

Cao Su understood where Xie Zhun's "calculation" was. If he went to Xie Zhun's father to run this project, most of his funds would be backlogged in this project, and wouldn't it still be slaughtered by then?

This kid is a bit poisonous!

"Mr. Fan, thank you for pointing out the maze!"

Fan Yanjing smiled and waved his hands, and said frankly: "I'm doing my best, and I don't want to have an affair with Mr. Cao! Xie Zhun can't represent the entire Xie family."

Now the Internet means capital! Although the Xie family is a wealthy family,

But there's really no need to fall out with an Internet upstart. Not to mention that this person has made some small achievements in finance, maybe they can cooperate in the future.

It is obviously beneficial to make friends with Cao Su! But not everyone in the family can put down their shelves.

Cao Su nodded with a smile.

Jian Mingxia watched the conversation in the flower hall, and asked the waiters in the clubhouse to serve the dishes. The cuisine is Cantonese.

Yangcheng is located in the southern country and is the southern gate of the motherland. The flavors of the cuisine are all bland. The main reason is that the heavy oil and spicy taste is really easy to get acne on the face in the south, especially young people.

Cao Su is the guest of honor today, and the topic revolves around him, mainly talking about the recent stock market, small loans, as well as the fierce takeaway, online car-hailing industry, and the cooling trend of the real estate market.

Yesterday, Cao Su and Yu Zhiming and his wife talked about stock market operations and investment very well, which was recognized by these two. He clearly stated that his judgment is now a big bull market and he can invest. This meeting is also eloquent.

This is not because of his own level, but because he has [Project Detector] in his hand, as long as he has enough consumption experience, he has a thorough understanding of commercial projects.

"At present, there are many financial companies for microfinance loans, and various apps on mobile phones can provide convenient loans. The online loan industry has become popular since 2012. Even though some loans cannot be recovered, the profits are still very high.

In my personal opinion, these companies have no prospects, and even if they grow bigger, they will die in the end. This is essentially an Internet-based usury, and the scale is getting bigger and bigger, and it may explode at any time.

At that time, there will be very few small loan companies that can survive.

Of course, the business of online lending is still very big. Policies are also encouraged. Personally, I prefer the model of online microfinance. That is, Internet companies provide small loans to customers, which are supervised by the China Banking Regulatory Commission.

I bought a third-party payment license last year and set up a small loan company. I am also doing small loan business now. "

Zhao Yu interrupted: "I don't understand. Don't you mean the same thing? Use wealth management products with higher interest rates than bank fixed deposits to absorb personal deposits, then use the app to connect with borrowers, and use personal credit information for risk control , to complete the lending process. Make money through deposit and loan spreads and service fees!"

Cao Su was somewhat surprised, isn't this girl a vase? Nodding to her, he explained: "The general process is indeed like this. But there are many subtle differences.

For example: Many online lending platforms on the market have very high returns on their wealth management products, not only exceeding the interest on deposits, but also exceeding the interest on bank wealth management products. This is how they take money! The highest interest rate of Yu'e Bao is less than 8%.

There are other subtleties as well. Now very online loan companies are going crazy. The annualized rate of many people exceeds the red line of 36% for private lending. If you suck blood from the public like this, something will happen sooner or later!

I am relatively timid, afraid of breaking the law! Everything I do is done according to Alipay. "

Many years later, when Alipay was about to go public, there was a joke on the Internet. You thought Alipay was an Internet high-tech company, but you found out that it is actually a small loan company!

Lending money is always one of the most profitable businesses in the world! I have never seen that the ancient feudal society cannibalism must engage in usury.

Of course, there is some ridicule and irony in it. Compared with the small loan market, third-party payment has a bigger plate. What Cao Su really valued was third-party payment.

Zhao Yu smiled and gave Cao Su a thumbs up.

Fan Yanjing smiled and said, "You young people need to communicate more."

…

…

After a very pleasant meal, it was about nine o'clock in the evening. Cao Su said goodbye to Yu Zhiming and Fan Yanjing, and went to the bar at the invitation of Xie Tang and Zhao Yu.

Jian Mingxia drove Yu Zhiming home, drove the car all the way, and said, "Mr. Yu, I plan to invest some money in Mr. Cao's private equity fund."

Yu Zhiming was a little surprised. The man in his fifties just finished drinking and socializing, and sat on the co-pilot a little tiredly, "How much spare money do you have in your hand? He doesn't like your little money, right?"

Jian Mingxia said: "Those friends of Yu Xian may not all invest tens of millions. Didn't he accept all of them?" She had just chatted with Cao Su on the way here.

Yu Zhiming didn't know about this, so he asked his secretary, and he couldn't help sighing: "Yu Xian owes you a lot. Mingxia, where did you get tens of millions of funds? Small loans are untouchable. You didn't hear me just now." The annual interest rate is over 36%.”

Jian Mingxia smiled and said, "No. I have my own loan channel. But Mr. Cao hasn't agreed to me yet. And I don't want to invest in the second-phase fund of the rate of return. Mr. Yu, I have to receive Mr. Cao later, You arrange for me to pick him up and entertain him."

Yu Zhiming understood what his assistant meant, and with some subtle emotions in his heart, he shook his head and lit a cigarette.

Jian Mingxia, who has a pretty face, a slender and charming figure, and a mature and beautiful young woman who hoards like peaches, looked at Bai Yuzhiming with contempt, and said, "Why? I feel uncomfortable? I let you eat it, but you dare not eat it?"

She actually has a good relationship with her boss. This is the friendship that comes out of long-term work. She was also a beauty in school back then, but she looked down on boys of the same age, and was finally chased by her current husband.

But her husband is twelve years older than her, and now he is the same as noodles. The relationship is still there, but she also feels lonely sometimes.

Mr. Yu is not an ugly and boring man. During the six or seven years of getting along, he has joked about crossing the line. He also drank in a vacuum in a hotel room wearing only a silk nightgown during a business trip. But nothing happened.

Yu Zhiming gave a wry smile, and pinched his cigarette, "Well, you are still serious! I didn't say no to you? It's just that my company may not have many opportunities to deal with Cao Su in the future. I will send you One thing, you are responsible for following up the 50 million funds invested by Cosine. Private equity funds will issue quarterly reports."

Jian Mingxia smiled and said softly, "Mr. Yu, thank you!"

She did it on purpose. Yu Zhiming shook his head dumbfounded. He is too old to dance with a spear and stick. A young woman in her thirties who looked like a wolf, and a secretary who was with her every day, how could he dare to provoke her? will swallow him up.