Chapter 727 (2/2)

Zhao Haichao said: ”all the necessary documents have been prepared. In theory, after our approval this afternoon, we can directly connect the information to the bank and let them start selling on a commission basis. We have a framework agreement with them, and we can directly put our fund management products on the market without going through the process.”.

Li Mu was very happy and said, ”the sooner the better, I will wait for your news!”

When Zhao Haichao returned to the company, he began to use the fastest speed to go through the procedures. This fund was named ”Tonghai real estate development”. Tonghai is the abbreviation of Zhao Haichao's fund company. Real estate represents the trend of the fund, and the suffix is irrelevant.

At 3:30 p.m., all processes including examination and approval and underwriting were completed. The reason why they are so fast is also due to the current imperfect management system of the fund industry.Haitong real estate development has a total issuance of 3 billion yuan, which is issued by Haitong fund, underwritten by Shoukang insurance, underwritten by Juncheng real estate and Muye technology, and sold by commercial banks. The fund is a regular fixed investment fund with guaranteed principal and interest. The subscription period is three years. After three years, the principal and interest will be paid at one time. If there is a large-scale run in the middle, the insurance company will be responsible for it Li muhui will pay to the insurance company according to the proportion of interest to the subscribers. If Juncheng real estate and Muye technology are unable to pay the fund three years later, the insurance company will pay to the subscribers on behalf of the insurance company, and then Juncheng real estate and Muye technology will perform the creditor's rights relationship with the insurance company.

In a word, there is no financial pressure for Li Mu to take the three billion yuan within three years. In the middle of the situation, there is an insurance company to carry it. Three years later, Li Mu only needs to pay 3.5 billion yuan according to the contract. This agreement has no pressure on Li Mu.

When ”Haitong real estate development” went through the approval and underwriting process, Lao Zhou called a meeting of the middle and senior management of his bank in charge of the fund sale system. At the meeting, Lao Zhou Yin went to Juncheng real estate, WANYING real estate and Muye technology, just to tell you that there is an investment fund underwritten by Haitong Development Bank and Shoukang that needs to be issued by his own bank with a three-year term and annual profit The rate is 3%, which is covered by insurance company, with principal and interest guaranteed.

As soon as the news was announced, the directors in charge of the fund business of each branch on the conference table were fried.

The interest rate has been cut eight times in six years. The interest rate of the bank has been extremely low. The interest rate of the national debt is a little higher, but the amount is limited. Most of the funds take the opportunity to venture, but most of them do not guarantee the principal and interest rate, and can only promise to guarantee the principal at most. Such financial products have little attraction for users.

The fund with 3 billion annual interest rate of 3% and guaranteed principal and interest, whose quality directly exceeds all the fund products in their hands.

So everyone is asking the old Monday one after another: ”three billion, how much can you keep for the internal staff?”

Old Zhou waved his hand: ”Haitong now holds his thigh, so we dare to push this kind of fund. In order to give Haitong confidence, we naturally sell it as fast as possible, so I have only one purpose for you this time: the faster the better. If the internal staff and family members can subscribe within one day, let them subscribe. If they can't, let your customers through Contact the major customers of financial management business, recommend them directly, and sell these three billions with the fastest speed, so that Haitong side will be impressed with us! ”

Old Zhou didn't tell the truth. He didn't want Haitong to look up to him. He wanted Li Mu and Chen Ze to look up to him.

Old Zhou's managers in charge of the fund are also very happy. This kind of good financial management fund is internal welfare for the banking system. Even if they and their relatives can't subscribe so much, it's still a kind of human feeling to introduce them to friends and classmates for subscription. Why not? There are often people outside asking the internal staff of the bank to help buy high-quality funds. Many young people in the bank even rely on this to settle the object and mother-in-law. This kind of welfare is not very moist.

There are more than one hundred branch business offices and more than four thousand employees in Yanjing. It should not be a big problem to digest three billion in one day. Even if it can't be digested in one day, those big customers can help digest it in one day. Three billion looks like a lot, but in the banking system, it's only a drop in the bucket.

So Lao Zhou ended the meeting as early as possible, and asked everyone to hurry back to their respective posts, make an internal announcement in the branches under their management, and then count the number of internal subscriptions to feed back to themselves before 10 o'clock this evening.

Due to the implementation of Lao Zhou and his management personnel, more than 4000 employees under Yanjing branch of Commercial Bank received the good news before they left work. After seeing the three key points of Haitong issuance, Taikang underwriting, principal and interest protection, the internal staff of the bank knew that the fund was an absolute high-quality fund, absolutely impossible to compensate, with high interest rate, even higher than the national debt So the employees who are interested in financial management are basically calculating how much they can subscribe, and then they call their lovers and family members to discuss how much they can subscribe.

Because it's Taobao's summer brand day at night, Li Mu is going to Taobao to fight with the team, so in the afternoon, he went back to the apartment near the company for a rest, got a sleep, and set an alarm clock at 11:00. Unexpectedly, he was woken up by Chen Ze's phone at 10:00.

Chen Ze's first words on the phone were: ”three billion fund old Zhou has been pre sold.”

Li Mu was still sleepy, and when he heard this, he turned around: ”what? All pre sold? ”

Chen Ze said with a sigh of excitement: ”it's a rush. It's all subscribed by the internal staff and family of the commercial bank. There's not a cent left...”

(to be continued. )