Chapter 494 An offer that is hard to refuse
In fact, Luo Yang poured the small cup of wine into the wine decanter, which did not mean that he accepted Dong Xuan's conditions.
He was just more interested in Dong Xuan's later conditions.
"Secondly, I can help Mr. Luo step into a higher level circle."
Dong Xuan filled her own glass as she continued, "I've had quite a bit of contact with Mr. Luo over the past two years. I can almost say that I've watched you grow rich step by step. Although Mr. Luo doesn't have a listed company under his name, in terms of real assets and future potential, you've already made the initial step into that threshold."
"Which threshold?"
Luo Yang asked with great interest: "What is the threshold for joining the billionaire club?"
Dong Xuan smiled and shook her head.
"Mr. Luo, nowadays, a person's social status is not only determined by wealth. Although this is a very important condition, there are many other aspects of the measurement index."
Although Luo Yang guessed something, he remained silent and listened to Dong Xuan continue.
“Ability and social network are very important. Sometimes, to some extent, they are more important than wealth alone.”
Dong Xuan gave an example: "In 94, Mr. Shi invested in the Giant Building in Zhuhai. Due to the huge investment, the Giant Group's capital chain broke in 97, and the construction of the Giant Building was suspended, becoming an unfinished building. However, four years later, Mr. Shi returned and repaid hundreds of millions of debts in one fell swoop."
Luo Yang knew that Dong Xuan was talking about Shi Yuzhu.
At the same time, we also know that he is a member of the Taishan Society.
The reason why Luo Yang knew this was thanks to the well-developed self-media in later generations. Many organizations and events that seemed mysterious in these years became gossip that ordinary people talked about after dinner ten years later.
Taishan Association was established in 1994. Its full name is Taishan Industrial Research Institute. It is a non-independent legal entity under the supervision of the China Association of Private Technology Entrepreneurs.
It is composed of CEOs (or chairmen) of well-known and influential domestic companies, and only develops one member unit each year.
Speaking of Taishan Club, the names of its members are almost known to everyone, such as Duan Yongji of Soitong Group, Liu Chuanzhi of Lenovo Group, Feng Lun of Wantong Group, Lu Zhiqiang of Oceanwide Group, Guo Guangchang of Fosun Group, Zhang Yue of Broad Air Conditioning, Lin Rongqiang of Xinyuan Holdings, and the younger ones Shi Yuzhu and Robin Li... and 16 other companies.
Some people even privately compare the Taishan Society to the famous Skull and Bones Society in the United States.
As early as 93, Shi Yuzhu had known the main founding members and had a good relationship with them.
So who would believe that the gorgeous comeback in 97 and the subsequent two great achievements were not supported by the members of the Taishan Society?
"President Dong is right. Sometimes ability and connections are important."
Luo Yang didn't want to argue, nor could he.
“Then there is social visibility and contribution.”
Seeing Luo Yang showing his rational side, Dong Xuan continued, "Mr. Luo also attended the reception dinner hosted by the Shanghai Federation of Industry and Commerce last year. I believe you have also seen that the people invited have to meet certain thresholds in terms of wealth and social status, especially those sitting in the first two rows."
“I know about contribution.”
Luo Yang tried to understand: "The creation of social value by the enterprise itself, whether in providing jobs or generating tax revenue, can be regarded as a contribution."
Dong Xuan nodded, indicating that Luo Yang’s understanding was correct.
“Social visibility means a certain amount of exposure, which includes but is not limited to charitable donations, public welfare activities, and relatively positive media appearances.”
Luo Yang did not agree with this point.
In Chinese culture, there is a saying of keeping a low profile, and not everyone wants to be in the limelight.
There are many such big men among entrepreneurs. Even in the later days when self-media is well developed, there are still many hidden rich people. Luo Yang has the impression that there is such a boss who runs a rare earth mine. In terms of wealth, he can definitely be ranked among the top 20 in the country, but he has never been well-known.
In fact, Luo Yang wanted to be this type of rich man.
Of course, this does not mean that he rejects circles. Even invisible rich people need social circles.
Especially during the first two trips to the capital, if it were not for chance, Luo Yang would have never had the opportunity to meet people like Zhang Yiming and Shen Nanpeng.
This embarrassment directly led to a result. Even though Luo Yang had a large amount of cash in his hands and knew a lot of investment opportunities, because he was not in the circle and did not have the corresponding connections, let alone investing, he did not even have the opportunity to get to know people.
"So President Dong wants to bring me into this circle?"
Isn't this what you want to express after all the explanations?
Luo Yang asked directly.
"In the financial circle, securities, funds, stock markets, and banks all have different ecosystems, especially banks, whose unavoidable particularity is very representative."
Dong Xuan smiled and said, "Although Yongcheng Bank is not very powerful, Mr. Luo should know that last year, Mr. Guo went to the eastern Zhejiang region to raise funds, and he used our bank's channels. This shows our strength."
There is something in the words.
Luo Yang heard two meanings: Dong Xuan could use the bank's special status to bring him into a higher level of network circle; through Dong Xuan, Yongcheng Bank could cooperate deeply with him and help him with large-scale financing at specific times.
"With Mr. Luo's current size, Yongcheng Bank is more than enough."
Dong Xuan continued to tempt him: "In three to five years, Mr. Luo's company will grow bigger and stronger and will need a bigger financial platform to support it. If I can step out of Yongcheng Bank and go one step further, I can also become Mr. Luo's best strategic ally."
This condition
To be honest, Luo Yang was really moved.
Although Dong Xuan did not offer any substantial benefits, the pie she painted was really tempting.
"Which departments will Dong Xing be in charge of as the deputy president of the Pudong branch?"
While speaking, Luo Yang refilled the wine cup in front of him with white wine.
Faced with the question, Dong Xuan smiled.
"It's my fault for being careless. I haven't explained this to Mr. Luo yet."
Luo Yang's worries were not unreasonable. Dong Xuan's pancakes had already been drawn. It would be funny if she turned out not to be able to make them.
"Generally speaking, each bank has five major systems, namely the marketing management department, profit center, risk management department, comprehensive management department, and support and guarantee department."
Dong Xuan smiled and explained: "The marketing management department includes personal finance, corporate finance, institutional finance, bank card business department, settlement and cash management department, inclusive finance department, and online finance department. When I was the director of the credit department, I also served as the deputy of the marketing management department."
"That's not you."
Luo Yang asked hesitantly, "This does not include the private banking department, right?"
“Who says that I have to rise up in the existing system as a deputy governor?”
Dong Xuan said with a smile: "I am now in charge of the profit center, which includes the financial market department, asset management department, asset custody department, private banking department, investment banking department, precious metals business department and other departments."
"Rights cross?"
Dong Xuan nodded and then shook her head slightly: "It's quite complicated. There are some internal regulations of the banking system, and some games between the big guys above. Even in my position, I am just a bigger chess piece."
This statement is a bit sad.
Luo Yang picked up the wine cup and said, "It's not easy for Dong Xing to get to where he is today. I toast to you!"
"I didn't expect that Mr. Luo still has a heart that cares for women."
Dong Xuan blinked her eyes mischievously, then smiled and bumped cheeks with Luo Yang.
Tsk. You’re not an 18-year-old girl, why are you being so naughty?
"So, Mr. Luo is satisfied with this condition?"
This woman was always good at taking advantage of a victory. As soon as she noticed that Luo Yang was slightly moved, she immediately climbed up the pole.
Faced with the second condition proposed by Dong Xuan, Luo Yang did not think much about it. He immediately filled the wine cup in front of him and poured the wine into the previous wine dispenser.
"Just now I was praising Mr. Luo for his kindness to women, but as soon as he turned around, he got hard."
Her gaze moved from Luo Yang's face to the wine decanter, and then returned to Luo Yang's face, Dong Xuan showing a bit of anger.
"not enough!"
When it comes to his own interests, Luo Yang refuses to give in.
"Well, Mr. Luo is so aggressive, so I have no choice but to take out my underwear."
A woman in her early thirties, her speech and expressions are so rich, when she is on stage, she is an excellent singer and rector.
"I remember that Mr. Luo has been thinking about one thing since last year: buying a headquarters building at the right time."
Dong Xuan pulled out her trump card: "Shanshan has been keeping an eye on that building for more than half a year. In fact, it is definitely not just Mr. Luo who is paying attention to this building. I believe Mr. Luo has no doubts about this, right?"
Yes, this is Shanghai, there are too many wealthy bosses, and when they encounter a good opportunity, everyone wants to take a bite. Even in the downturn of the real estate market, Luo Yang is not the only one who has a good vision.
"What does President Dong mean?"
"First of all, I need to confirm how much Mr. Luo is willing to take over this building, and also how much cash you can come up with."
Dong Xuan raised her index finger and gently circled the middle finger on the rim of the wine cup.
"Take it, we must take it!"
Luo Yang thought for a moment and replied seriously: "According to my estimate, this development company will be unable to hold on by the end of next year or the first half of 14 and will run out of funds. By then, I will be able to come up with about 5 million yuan to operate this building."
The 5 million he mentioned does not mean that the building is only worth 5 million, but refers to the funds needed to leverage the acquisition.
"It's enough to start, but to be safe, we still have to make arrangements in advance."
Dong Xuan felt much more at ease when she heard that Luo Yang could come up with 5 million yuan in cash to leverage this acquisition project.
She thought and said, "After I sort out the relationship here, I will contact this development company in advance. I believe their capital chain is quite tight right now. If there is a bank willing to provide a loan, they should be happy to accept it."
"To prepare for future debt restructuring?"
After Dong Xuan said this, Luo Yang vaguely understood something.
"Yes, once this project has a debt relationship with Yongcheng Bank, and they run into a funding chain breakdown, I will have an excuse and a handle to pay attention to it. It won't be strange to talk to other lending institutions about debt restructuring then."
Dong Xuan said familiarly, "Since you have clearly proposed to acquire the building, I believe that there won't be many obstacles in the internal procedures. You just need to take on the debt and pay some cash to acquire the building."
This is equivalent to the company that developed the building owing money to ten units outside, and Ningbo Bank, as one of the creditors, stepped in to coordinate and acquire all the debts of the other nine units (of course, due to market conditions, the acquired debts may be discounted).
In this way, most of the ownership of the building is in the hands of Ningbo Bank.
Of course, Yongcheng Bank is not stupid. The prerequisite for taking such an action is that Luo Yang and the bank reach an agreement in private and are willing to acquire the building.
Moreover, there is a prerequisite for Yongcheng Bank to be willing to carry out debt restructuring. The developer of this building has fallen into desperation and has to get rid of this burden. If this is the case, the developer will in turn ask Yongcheng Bank to introduce a third party to acquire it.
What Luo Yang needs to do is to give some cash to the development company. How much will depend on evaluation and negotiation.
Another way is to convert debts from Ningbo Bank into loans.
After all these operations, according to Luo Yang's previous experience, it would not even cost 5 million yuan. He had encountered a similar acquisition project in the industry before. The value of that building at that time was even higher than the one he was eyeing now, but the funds used to leverage the acquisition project did not exceed 3 million yuan.
Of course, what the two of them are discussing now is just a general idea, and the specific operation process is still very complicated.
"President Dong, I really don't know whether I should pour this glass of wine in!"
Luo Yang knew that this operation was very beneficial to him, but it was also greatly beneficial to the bank and Dong Xuan personally. After all, this matter was a win-win model, but now Dong Xuan was using it as a condition, which was somewhat unfair.
Of course Dong Xuan understood what Luo Yang meant.
"This project involves a lot of intermediary fees."
“No less than 10%”
"You don't have to take my part!"
Luo Yang: “.”
Considering the role played by Dong Xuan in this film, normally she would get 3 to 5 points, which is not a lot.
If the acquisition operation funds are no less than 3 million, even if there are only 4 points, there will be at least 1200 million in brokerage fees.
How much determination does it take to say no?
It seems that Dong Xuan is determined to transfer the right to operate Luo Yang's personal assets to the private banking department under her charge.
From this we can also see that this woman has ambition to go further.
"Da da da"
Luo Yang's fingers tapped rhythmically on the table.
After a long time, he picked up the wine cup and poured the wine into the wine dispenser.
"President Dong, you convinced me."
Luo Yang held the pot and said, "Happy cooperation!"
Dong Xuan smiled brightly and picked up the wine pot in front of her: "Happy cooperation!"
After the toast, Luo Yang couldn't help but give a thumbs up.
"To be honest, after the phone call yesterday, I thought a lot, but I don't think you can come up with any conditions that will attract me."
Luo Yang sighed: "He was slapped in the face, and he didn't feel ashamed at all. President Dong is really smart."
"No matter how smart I am, don't I still have to beg you?"
Dong Xuan said with blinking eyes: "The veto power is in your hands."
"President Dong, why do I feel like you still have your underwear on?"
The important matter was settled, and Luo Yang felt relieved. He joked, "If I had known earlier, I would have picked up the wine pot a little later. Maybe I could have squeezed out some money."
"Boss Luo, come, have a chicken drumstick first."
Dong Xuan said mysteriously, "After we finish eating, we'll go upstairs to squeeze it later."
Ok?
Luo Yang didn't understand for a moment.
Is Dong Xuan planning to take action personally?
"cluck"
Seeing Luo Yang's puzzled expression, Dong Xuan laughed so hard that her body shook.
She pointed to the ceiling and said, "The first floor is a private room for entertaining guests, and the second floor has a KTV for singing. When I first came here, I said that tonight's dinner party was a one-on-one meeting, but it's not going to be like that later."
This is not nonsense.
The content of the conversation just now involved a lot of private information. It was an agreement reached privately between Luo Yang and Dong Xuan. How could a third person be allowed to sit in?
"Forget it. I can't handle the beauties in your industry."
Luo Yang had long heard about how promiscuous women in the financial circle were. Even with Cong Shanshan, he now used her mostly as a tool to satisfy the occasional dark side of his heart, and he didn't dare to have too much contact with her.
Moreover, although Dong Xuan and I have reached a preliminary agreement, there is still a process of mutual trust.
Especially since his personal assets have appreciated to at least 50 billion, which is the prerequisite for the success of the cooperation. Before it becomes clear, Luo Yang thinks it is better to hold back.
"Mr. Luo still has misunderstandings."
Dong Xuan was so smart that she could tell at a glance what Luo Yang was worried about.
She smiled and said, "Do you remember what we talked about in your office last year?"
"what?"
Luo Yang roughly forgot about it.
"Spring Recruitment!"
Dong Xuan uttered these two words, which suddenly reminded Luo Yang of something.
At that time, Dong Xuan promised Luo Yang that she could reserve a vacancy for him and place someone in the bank to work.
"We recruited a group of interns after the beginning of the year, and I picked a few good ones."
Dong Xuan smiled and said, "Mr. Luo's business is doing so well, especially in discovering talents like An Ying. I would like you to help me see which of these girls are worth training or even joining your private asset management team."
Luo Yang: “.”
"Oh, by the way, Shanshan is upstairs too."
Dong Xuan picked up the small bowl in front of Luo Yang and served him a bowl of chicken soup, plus a chicken leg.
"Boss Luo, make up!"
It looks like I can't leave tonight.
(End of this chapter)
