Luo Xiu knows very well that the capital market has been very crazy in recent years. They are waving a lot of money in their hands and looking for investment projects everywhere.

As a result, many companies like Bullet Case emerged.

They first make up a story.

For example: "Food, clothing, housing and transportation" are indispensable to everyone, but the current rental market is very chaotic. I want to build an O2O rental platform to provide better services to landlords and tenants, so that landlords can worry less and tenants can rest assured.

However, through a large amount of advertising and subsidies, the GVM (total transaction volume) can be increased in a short period of time and a very beautiful report can be produced.

Capital saw great potential in this project and began to invest money, adding fuel to the fire and further increasing market share.

Then look for listings and find the next buyer.

Even before a lot of capital came in, I knew that this business was impossible to succeed and would eventually explode.

They just hope that they are not the last to take over. As long as it doesn't explode in their hands, they will make money.

As a result, in the past few years, many strange companies have raised large amounts of funds and even successfully went public in the United States.

In the past few years, the economic situation has been excellent, and more and more people have begun to advocate "consumption upgrading."

However, capital soon entered a cold winter, and the days of getting financing casually were gone forever.

…

Luo Xiu knew very well about this story-telling trick and said to him with a smile: "The rental market is too big. If you want to scale up, you have to spend a lot of money in the early stage!"

"I really don't have money now, but Mr. Luo, you do. I came here this time to sign a ten-billion loan cooperation."

After hearing this, Luo Xiu smiled and said: "To put it nicely, what you are doing is an O2O long-term rental apartment platform. To put it harshly, the houses are all owned by the landlord. You are an empty shell without asset mortgage. I will

It's too dangerous to lend you money without any guarantee."

"I understand Mr. Luo's concerns, but when I come here to cooperate with you this time, I am not asking you to lend me money, but to lend money to tenants."

"Boss Gao, you might as well speak more clearly." Luo Xiu hated others playing riddles with him.

"I rented a house with a market price of 3,000 per month to a renter for 2,000. The condition is that he must give me a one-time loan for one year in his own name.

The tenant repays the loan to the bank every month in the form of rent, and I can get a year's rent loan in advance to develop new business."

After Luo Xiu heard what he said, he finally understood what he meant.

The reason is very simple, it is the same as selling real estate off-plan.

For example, a real estate developer wants to build a house but does not have enough cash on hand, so he must borrow 10 billion from the bank.

It is too risky for a bank to lend such a large amount of money to real estate companies. If there is a thunderstorm, the bank may lose 10 billion directly.

Therefore, the bank decided to go around in a circle and lend the 10 billion that should have been lent to the real estate company to 2,000 buyers, each with 5 million, which is equivalent to splitting the risk into 2,000 shares.

This money did not go to the buyers, but was given directly to the real estate company, which was used as leverage to acquire land to develop more properties.

If everything goes well, house prices continue to rise, and houses can be sold, then there will be no problem.

If the properties developed later cannot be sold, the capital chain is broken, and the houses pre-sold in the early stage will not have the money to complete and the houses cannot be handed over.

That has nothing to do with banks. Banks lend money not to real estate companies, but to ordinary people who buy houses.

The fact that the house cannot be moved in has nothing to do with the bank. The monthly mortgage loan must still be paid on time.

Now the owner of the shell apartment comes to Luo Xiu.

The same reason is because he needs a large amount of funds to expand his territory, and Pinru Bank has a large amount of funds that need to be loaned out to earn interest.

However, Shell Apartment has no assets in its hands and has nothing to pledge to the bank.

Due to risk considerations, Luo Xiu could not lend him money.

So the party turned its attention to the tenants and decided to let these tenants share the risk.

The money was borrowed in the tenant's name, but actually did not reach the tenant's hands.

Throughout the cycle, tenants rent cheaper houses, Shell gets more funds to expand, and banks earn interest through loan business.

On the surface it looks like a win-win-win.

But as the market gets bigger and bigger, the best outcome is that the cartridges are successfully listed and absorb a large amount of funds from the stock market.

Then the company's top executives and capital began to flee, because they knew they would never be able to monopolize the entire rental market.

Performance achieved through subsidies will definitely not be profitable in the end.

They won't care what happens to the company after they escape.

The financial report was unsightly, the stock price hit rock bottom, and investors lost all their money.

The reputation of Chinese concept stocks has been ruined to a large extent by such companies.

The worst outcome is that the capital chain breaks prematurely and the company explodes.

But for the bank, it's not lending money to the shells, it's lending it to those renters.

Most of the people renting houses are young people who have just started working in society.

This group has a bright future, so you can't let yourself be included in the list of dishonest people just for a few thousand or twenty thousand yuan, right?

They eventually have to pay the money back to the bank.

…

"You are really a genius!" Luo Xiu said with a sneer.

"Mr. Luo, my plan will be of great benefit to you without any harm."

He knows that the reputation of Internet banks is not as good as that of traditional banks and it is difficult to do business.

Business loans usually give priority to traditional banks, and those who cannot get loans from traditional banks are usually not high-quality customers.

Now that there was such a big deal of business coming to his door, he was not worried that Luo Xiu would refuse it.

"You are right, it is indeed Baili..."

"It's really easy to communicate with Mr. Luo. It's not like those old-fashioned people from traditional banks. You can't understand anything even after chatting with them for a long time."

"Just wait until I finish what I'm saying. It's indeed a huge gain, but it has a downside."

"Oh, what's the harm?" Boss Gao said nonchalantly.

"It will cut off children and grandchildren."

"you……"

Boss Gao suppressed his anger and said, "We businessmen value peace. Even if we don't cooperate, there is no need to hurt others with words, right?"

"You are right, peace is the most important thing that I want to do as a human being, but there is no need to pay attention to peace with animals."

Luo Xiu knew that the bullet casings would explode in the future.

The landlord has not received the rent and wants to take the house back.

Many newly graduated students were evicted by their landlords and at the same time had to pay rent to the bank every month.

The level of distress is like buying a mobile phone in installments and having it stolen the next day, but you still have to help the thief repay the loan every month.

"Okay, I'll take note of today's humiliation. Don't think that I can't get the money without your help."

After Boss Gao finished speaking, he could only slam the door angrily and walk out.

The words he said were just tough words.
Chapter completed!