My Fintech Empire

As soon as Fang Hong returned to his hometown, the whole village became lively again. The villagers were talking about the sand table model, and they described it vividly when chatting, which also attracted more villagers to visit Fang Hong's house.

At about 16:00 in the afternoon, Fang Hong, who had sneaked out, also came back, but when he came back, he found that the house was still overcrowded.

After one crop, another crop came, in an endless stream.

"Brother Hong?"

At this moment, Fang Hong heard someone calling him, followed the sound and saw a young man three or four years older than himself walking towards him, Fang Hong couldn't help laughing: "Hey, Brother Hu!" , where is it developed?"

His name is Fang Hu, and he retrieves the memory information of the original owner. He is a little friend in the village who played mud together when he was a child.

Fang Hu is dressed in a suit and leather shoes at the moment, and he seems to be doing well, he looks like a dog, I saw him laughing and said: "Hey, I am not considered developed, with you, a billionaire who has returned to his hometown, The boss is incomparable."

The two also exchanged pleasantries and chatted privately, boasting about various businesses.

"Brother Hong, I didn't expect you to be so big. In fact, I also plan to build a scenic spot in the village. No, it's just that mountain. I plan to build a temple there." Fang Hu pointed to him in the direction of two o'clock, Fang Hong also glanced in the direction he pointed.

Fang Hu withdrew his gaze and looked at Fang Hong again and said, "I just saw that sand table model, it's amazing, and I found that it just complements the attraction project I want to do."

Hearing this, Fang Hong felt that something was wrong with this kid.

When I heard that a scenic spot was going to be built in the village, I felt something was wrong, but I said calmly: "Oh? Just build a temple on that mountain and it will become a scenic spot. Can you make money?"

Hearing this, Fang Hu swore his ticket and said, "Don't worry, I make 100% money this way. To tell you the truth, I've been depressed these past few years, and I'm also longing for Bole Xiangma. I didn't expect to give it to me." I met Bole, got advice from an expert, and got the way to make money."

Seeing his high-spirited face, Fang Hong said with great interest: "Advice from an expert? Is running scenic spots in the village a way for you to make money from that expert?"

Fang Hu smiled and said, "That's right."

Immediately pointing to the mountain just pointed to in the distance, Fang Hu continued: "As the expert said, as long as you understand the financial laws, making money is as easy as drinking water. Look, if this mountain digs out gold mines It is a price, if planting fruit trees is a price, even if it is covered with grass and herding cattle is a price, this mountain has no gold mines, and it is not easy to plant fruit trees, and cattle herding is not good, it seems worthless.”

At this time, Fang Hong was also happy when he heard that he was going to talk about finance and making money with him. Fang Hu obviously didn't know that he was playing tricks in front of Fang Hong.

Fang Hong didn't even bother, and suddenly became a little interested, and continued to listen to Fang Hu's talk: "Brother Hong, can't you make money like this mountain? No, as long as you build a temple on this mountain, it will be a scenic spot. Build a road in front of the mountain, build a more stylish gate and visitor center at the intersection, and set the ticket for him for 150 yuan."

At this time, Fang Hong didn't say a word, just quietly watched him talk, and already knew in his heart what immoral things his so-called master was playing with him.

And Fang Hu continued to chatter: "The ticket is priced at 150 yuan. You may wonder, doesn't the price of the ticket need to go through market research? Don't need to go through a stress test? What if tourists can't afford this price? Tourists don't come to play What should I do?"

Fang Hu heard that Fang Hong started a high-tech company, and thought that if I talked about high-tech with you, I might play tricks.

But if you talk about finance with you, you are a layman, right?

I saw Fang Hu asking himself and answering: "The reason why the ticket price is set so high is that it is not for tourists at all, it is for financial institutions, so set the price as high as possible. Why do you say that? For example, a Tickets cost 150 yuan, and if there are 100,000 tourists a year, that’s 15 million yuan in revenue, right?”

Fang Hu continued: "If the future income rights of the 15 million ticket revenue are pledged, at least 10 million can be exchanged without any problem. If the pledge is 100 million for ten years, this mountain will become 100 million in an instant. A hundred million, just ask you if you want to do it? Everyone will definitely do it!"

Seeing Fang Hu's blushing description, Fang Hong couldn't help laughing. After being silent until now, he finally opened his mouth and said, "You just want a financial institution to lend you 100 million by describing a broken mountain bag with empty teeth? I'm afraid you're treating him like a fool." Isn’t it? Those who play finance are posting masters who are smarter than monkeys one by one.”

Fang Hong has already decided on the future direction of the entire village, and it is absolutely impossible for him to mess around in the village.

Fang Hong immediately added: "To tell you the truth, I'm an insider in the financial circle, so don't do all these tricks, just honestly help my second brother manage the pharmacy, the water in the financial circle is very Deep, you can't grasp it."

Retrieving the original owner's memory information, Fang Hong's evaluation of Fang Hu, his childhood playmate, is: a person who is eager to change his destiny.

To put it bluntly, he just wants to make a fortune, but his character is not a big problem, and he can be cultivated.

"Uh..." Fang Hu was confused when he heard this: "You... aren't you playing high technology?"

Fang Hong smiled and said, "Just play."

After a while, Fang Hu said, "But..."

Fang Hong interrupted him directly and said: "I know what you want to say. Did the so-called expert who pointed you out tell you to go to the county to find the leader, saying that as long as this scenic spot is repaired, it is not just an improvement of the scenery? , it is the improvement of GDP, and the annual turnover starts at 150 million yuan, so there will be cash flow? The scenic spot still needs staff, and it can also solve a number of employment problems by the way.”

"No surprises, the leader will entrust another person, let's call this person Zhang San, the leader will ask Zhang San to talk to the financial institution for you, whether you can borrow money to repair the scenic spot, the financial institution will send someone to do a due diligence, When I came to this remote place in the countryside and took a look, it was really hard to imagine that there would be any tourists with their heads caught in the door to play here, and most of them would not invest money."

"At this time, Zhang San said that in the future, the county of this scenic spot can provide subsidies every year. The problem is that Zhang San knows that the county has no money to pay, but why does he dare to say that? Because he knows that once the scenic spot is repaired, there will be people from the gate to the mountain. How about a ferry? Use this ferry to exchange future beneficiary rights and first contract it to others in exchange for a part of the cash flow, won’t you be rich.”

"As for whether there will be tourists in the future, it is none of Zhang San's business whether the contractor can make money back, so Zhang San found Li Si again, and Li Si shook his head when he heard this, saying that only when his income is guaranteed can he give you the money."

"Originally, tourists could choose to walk to climb the mountain, but in the end they could only take a car. Because Zhang San and Li Si discussed and decided to move the entrance of the scenic spot 20 kilometers forward, do you tourists take a car or not? Do not take a car to see if you can walk to the mountain? Even if Tourists are stunned to go to the scenic spot. I'm sorry that the scenic spot closes at six o'clock. Give me a try? See if you can take a car? If you take a step back, even if you don't take a car when you go to the mountain, you can't sit when you come back after climbing the mountain. By car? So the problem is solved."

At this time, Fang Hu was shocked when he heard that, because what Fang Hong said was almost exactly the same as what the expert who instructed him said. Of course, the words and sentences must be different, but the meaning expressed is indeed true. are exactly the same.

And Fang Hong said: "Where does the money to buy the shuttle bus come from? Did your expert say to use the ticket as a pledge? Each ticket is charged 10 yuan, and the annual income of 100,000 tourists is 10 million in ten years. Then I borrowed 5 million from the financial leasing company to buy a car, which means that the car was bought by the financial leasing company, and the property rights belong to their financial leasing company, but the right to use it belongs to Li Si, so the problem of the shuttle bus is solved.”

Fang Hu: "..."

Fang Hong said in an orderly manner: "Since the future beneficiary rights of the shuttle bus can be exchanged, anyone who sells goods at a stall in the scenic spot or wants to cook food here can do the same thing, so Zhang San will find Wang Lao Wu and let him Pay to buy out these franchises."

"Where does the money for the buyout come from? Of course, it is subcontracted out and given to those small bosses to operate. The subcontracted money is given to the general contractor. Wang Laowu has to keep part of the oil and water, and the rest is given to Zhang San, Zhang San After getting the cash for the replacement of these franchise rights, he will keep a portion for his superiors, and his own salary will also be settled, and the rest should be used as the annual subsidy for scenic spots."

Fang Hong looked at the stunned Fang Hu with a smile and said: "If you settle all the above matters, the financial institution will really lend you 100 million yuan. As for how much the 100 million yuan will be used to build the scenic spot, Brother Hu, are you sure?" Are you in charge? Do you know how much money will be used for other things? Can you hold it?"

"You are the project leader, and Zhang San is a platform company, not to mention the county investment. The project you financed belongs to the fixed financing product of government and trust, and it is enough to list it in the financial asset trading center. It is not even as good as a trust .”

"As a result, the number of tourists in the scenic spot has increased sharply year after year. From time to time, announcements are made saying that the number of tourists has exceeded tens of thousands. In fact, it is you, Brother Huzi, who is leading a group of actors from the village around the gate. The key is that you think those financial institutions don't know the number? They know that they do all these flower jobs all day long, and they are as clear as a mirror in their hearts."

"If they come out to expose you, you will be the legal person of the project company, and your equity will still be held on behalf of you, so you will be blamed at all."

"If the scenic spot goes bankrupt in the end, the financial institution won't get back a penny, so they will most likely continue to cooperate with you in the performance, even though the poor annual ticket revenue is only enough to repay the interest to the financial institution, and the principal is not even considered. "

"But it doesn't really matter. Ten years later, the interest has already recovered the cost exceeding the principal, and the debts of financial institutions are only extended and replaced, but they have not disappeared. As for tourists, I don't expect him to come a second time. Nobody took tourists seriously during the whole process.”

Speaking of this, Fang Hong glanced at Brother Huzi who was stunned. It was time to suppress him psychologically, so that he could be subdued and let him know who is the boss.

To use such a person, you must first let him know what awe and authority are.

After pausing for a moment, Fang Hong glanced at him, turned to look at the mountain and said indifferently: "Do you think you have met an expert? Since then, a depressed person has become the chairman of the project company, and then You are full of fame and fame, right? In fact, half of your body has sunk into the quagmire and you don’t know it at all.”

This is to say that you are not polite, and you don't give any face.

At this time, Fang Hu felt a guilty conscience of being completely seen through by others, and now he might not dare to call Fang Hong "Brother Hong" now.

And Fang Hong continued calmly: "If you make a lot of chicken feathers in the village, even if my old man doesn't trouble you, your old man won't beat you to death? You can still live in this acre! Is there a place to stand on the third floor? Taking a step back, the pot held by the chairman of the project company is enough to crush you, weigh this pot, can you carry it?"

Gollum...

Fang Hu swallowed, he was numb, don't cue!

His head was already buzzing, and his heart was already swearing at the expert he admired and greeting him with a household registration book.

After a while, Fang Hu said with a dry smile: "I didn't expect the water here to be so deep..."

"It's good to know."

Fang Hong glanced at him indifferently and said, after saying this, he walked directly to the lobby of his house without waiting for the other party to speak.

At this time, Fang Hu hesitated to speak, turned his head to look at Fang Hong's back, and subconsciously touched the sweat on his forehead.

The phrase "It's good to know" was very peaceful, but Fang Hu felt a sense of oppression inexplicably.

It made him feel a sense of strangeness and distance.

It's right to have a sense of distance, this is what Fang Hong wanted.

Fang Hong is now in the position of the superior, and Fang Hu is in the position of the inferior. He will definitely join Fang's Medicine Hall, so he is doomed not to be a brother and friend like he used to be when he was a child.

If the relationship with Fang Hu is very good, even if no special care is given, it will have an impact on other people: Fang Hu has a very good relationship with the big boss, and he is still called a brother!

At that time, you don't even know what he's doing under there, and you will even intentionally or unintentionally emphasize this relationship in front of others, which will form another bad environment and bad behavior over time.

Fang Hu does not have Hua Yu's state, Fang Zheng's humility, Fang Ping's awareness, and Cao Chenghui's emotional intelligence.

But Fang Hu also has his value, that is, he has a heart to change his destiny. Such a person is suitable for charging, but he must be greeted with carrots and sticks to make him docile.

...