"You said it." Deputy Director Duan even used the honorific title now.
"As far as I know, there are many such examples abroad." Zhou Zhi said: "For art mortgages, there is a company that specializes in dealing with such issues, called a third-party guarantee company."
"The legal persons of these companies are often well-established and powerful people in the art industry. They have a very deep understanding of the categories and trends of the art market. Their professionalism far exceeds that of banks."
“They are willing to accept art mortgage business, and they also have the business ability to protect and maintain the stored art. Therefore, after receiving the mortgaged art, they can use their own assets as collateral to obtain loans from banks and provide art mortgages. People.”
"In this way, even if the business is completed, the bank does not need to bear the risk of unclear judgment on the artwork; the third-party guarantee company facilitates the business, collects handling fees, storage fees, and even shares the loan interest with the bank; and the mortgage As for people, they got the funds they desperately needed.”
"But this is jade material..." Yao Chong didn't turn this corner.
"The same goes for jade materials. You can also have a third-party guarantee company. They have the ability to accurately judge jade materials and have the ability to be sure of the jade feed prices, rising and falling trends, process pricing, market sales prices, etc. , and have strong assets, such people are qualified to run this company.”
“When the jade carving workshop is preparing to import materials, it can send the jade materials that are temporarily unused or the works that are not urgently delivered to the third-party guarantee company for valuation and storage. The three-party guarantee company will use its own price based on the valuation of the jade materials and works. The assets are used as guarantee, and corresponding loans are obtained from the bank and handed over to the workshop to purchase new materials, so that normal operations will not be affected by the goods being held in the store. ”
"Is there really no problem with this?" Deputy Director Duan understood the operation process of this three-party guarantee company, but his doubts became more intense: "What if the price of jade drops during the guarantee process?"
Zhou Zhi smiled and said: "Since it is a business, of course there are risks. There is no business in this world where you can only make a profit without losing money, right? Those who dare to do this business will naturally take these risks into consideration."< br>
"I understand, what about the second method?"
"The second method is to introduce third-party partners." Zhou Zhi continued: "The current large equity structure of the jade carving company is the State-owned Assets Supervision and Administration Commission, the jade carving company, and the Wanjia Group. It is necessary to keep the relative shareholding ratio of the three parties unchanged. A good way is to introduce some more shareholders and absorb funds by diluting shares to expand the capital scale without affecting the distribution of decision-making power among the three companies.”
"For example, the current equity ratio of the Jade Carving Company is 3:3:4. If each company transfers 10% of its own shares to the fourth shareholder, the overall ratio will become 27:27:36:10." ,
"The entry of new shareholders holding 10% into the board of directors will not affect the decision-making power of the three companies; and the relative ratio of the three companies is still 3:3:4. The relative ratio remains unchanged, the share capital remains unchanged, and an additional 100% is introduced. Ten percent of the capital is used for development. This method is also a common way for many companies to grow and develop.”
"Our office has also considered this latter method, but it is difficult to find such shareholders..." Deputy Director Duan frowned.
"Yeah, it's hard to find new shareholders, and the third-party guarantee company you mentioned before is even harder to find." Yao Chong also felt that the two methods Zhou Zhi mentioned were not feasible: "I guess there are none in China now. Such a business.”
"I don't think it's too difficult to find." Zhou Zhi knew it well: "If you just want to introduce new shareholders, I am sure that AXA Fund will join in."
"AXA?" Deputy Director Duan couldn't help but be overjoyed: "The AXA fund run by the third prince of the Li family?" "Uh... yes." Zhou Zhi didn't know when Li Laosan got such a popular nickname, but no Preventing him from nodding.
"It would be great if this is the case." Yao Chong said: "Our company's current total capital is 50 million. If you can get us 5 million, it will be great."
Deputy Director Duan quickly waved his hand: "We can still discuss this ratio. AXA is rich and powerful, and people may not necessarily value five million. We can definitely show more sincerity."
Zhou Zhi found it a bit funny. Senior government officials were also familiar with this trick of beating a snake with a stick. It is no wonder that Suzhou can become an economically developed area. This is directly related to the consciousness of the people in power.
"As for the third-party guarantee company, it's not impossible." Zhou Zhi smiled and spread his hands towards Xu Zhimian: "If Mr. Xu is willing to serve as the general manager of this company, then I can also find this investment for you. The starting capital is no less than 50 million! ”
Everyone cheered up, except Xu Zhiman who was shocked: "No, no, no, I'm retired, and I've never done business, no, no, no..."
"I think..." Yao Chong thought for a while: "Master, it seems to be really possible."
"You're crazy! I only have one carving craftsman, 50 million! Another jade carving company!"
"Master Xu, please don't refuse in a hurry." Director Liu also quickly interrupted, fearing that Xu Zhimian would say it to death: "Mr. Zhou just said that to operate this third-party guarantee company, you need to have accurate judgments on jade materials. Ability to fully grasp jade’s feed prices, rising and falling trends, process pricing, market sales, etc. ”
"Aren't these all things you just picked up at your fingertips?"
"One thing I haven't mentioned just now is this person's influence in the industry." Zhou Zhi smiled: "After solving the problem of funds and leaders, other matters such as business management, warehousing, security, finance, etc. can be solved. Operated by recruiting professionals ”
6◇9◇Book◇Bar
"Master, I think it's okay..." Zhu Qinghong was moved by what he heard. If he could spend 50 million more to select jade materials, the Suzhou Jade Carving Base would be better than others: "This is just for you." Custom-made! ”
"If Mr. Xu is not willing to serve as the legal person of this tripartite guarantee company, I have another idea." Zhou Zhi said: "The company will be registered and established by the employer, and the entire team will be operated and managed by the employer. Mr. Xu only needs to serve as the legal person." The company’s appraisal consultant can provide appraisal opinions on the jade materials and jade carvings used for mortgage.”
"In this case..." Xu Zhimian breathed a sigh of relief after hearing this: "In this way, I can return to my old profession, and I have some confidence."
"It's getting late, why don't we come to our office and let's talk while eating?"
"Yes, yes, I'll try our Suzhou flavor with this classmate. We usually eat and talk in detail." (End of Chapter)