Chapter 343 WPG0342: Transferring risks? There is 100% risk at the end of the day!
While An Wuyang and Xiao Qingyue were still recording the Vlog of "Mr. An answers questions from netizens," Tang Wenshu knocked on An Wuyang's office door.
‘Dong dong dong~’
"Come in." An Wuyang responded loudly.
After Tang Wenwen walked in, he reported, "Mr. An, President Zhou is already waiting in the small conference room."
Tang Wenwen didn't look at Xiao Qingyue. He had met Xia Yuqing, the little foreigner, and now Xiao Qingyue, but he had no intention of talking at all, and he didn't even look at her twice.
This Tang Wenshu is so sensible!
"Okay, we'll go there right away." An Wuyang responded.
Tang Wenshu immediately left An Wuyang's office.
An Wuyang greeted, "Let's go, I'll take you to our important development meeting on the fifth night."
Xiao Qingyue responded with thanks, "Thank you, Mr. An!"
The two walked out of the CEO's office together, and then led by An Wuyang to the small conference room.
In the small conference room, Zhou Sheng and Zhou Xiang were already waiting for An Wuyang.
When they saw An Wuyang walking in with Xiao Qingyue, both of them had a look of doubt in their eyes, but neither of them asked.
An Wuyang took the initiative to introduce Xiao Qingyue and asked Xiao Qingyue to record the Vlog.
Whether it was Zhou Sheng or Zhou Xiang, it was impossible for the two of them to have an opinion.
The minutes of this meeting were handled by Zhao Tuo and Dong Zihao, a newcomer to the CEO Office Secretariat.
Tang Wenwen is currently in charge of the daily management of Wugengtian Pharmaceutical Group. Zhao Tuo has also been authorized by An Wuyang to establish the Wugengtian Infrastructure Department. Currently, there are only three raw melon eggs in the President Office Secretariat.
Dong Zihao is Zhao Tuo's junior, also from Shengqing University. He joined Wu Gengtian four years ago. He had been doing clerical work at the headquarters before. Now that there is a vacancy in the President's Office Secretariat, he passed the assessment and was transferred by Tang Wenwen.
The other two were in a similar situation.
All three of them were secretly viewed by An Wuyang using the character rating subsystem, and there were no problems.
"President Zhou, I asked you to come here this time mainly because we have an important development plan at the end of the day that needs your support." An Wuyang explained.
Zhou Sheng responded affirmatively, "No matter how much support Wu Gengtian needs from us, we at Shengqing Commercial Bank will do our best to serve Wu Gengtian."
I have to say that Zhou Sheng’s attitude is a bit humble!
Because Zhou Sheng first expressed his support for Wu Gengtian, and this support was described by Zhou Sheng as service. Isn't this attitude humble enough?
This is because Shengqing Commercial Bank has no status as the God of Wealth when it comes to Wu Geng Tian. On the contrary, Wu Gentian is the father of Shengqing Commercial Bank's sponsor.
"You should have heard of our group's Liang Huanxi, right?" An Wuyang asked.
Zhou Sheng answered affirmatively, "I read yesterday's Shengqing news."
Zhou Xiang seconded, "I also read some information about Lianghuanxi on the Internet."
"Our cooperation this time will focus on the two joys." An Wuyang explained.
"About Liang Huanxi, some of the news on the Internet are true. It can indeed save premature babies." An Wuyang started at zero frame and released the big news first.
Such news is no longer a secret in some circles!
Take Musk for example. Why do you really think Musk bought 500 bottles of Lianghuanxi?
Not only does he want to use it for himself, he also wants to take it back and make money.
But for ordinary people, such news is indeed breaking news.
"Liang Huanxi is the top product of our Wugengtian Pharmaceutical Group, and the current production capacity is very small." An Wuyang explained.
"Up to now, we have only sold two batches of Lianghuanxi in Wugengtian. The first batch only has 150 bottles, of which 100 bottles are consumed by our five major domestic distributors in Wugengtian, and the other 50 bottles are consumed by seven major overseas distributors." An Wuyang explained in detail, thus indicating that Liang Huanxi's production capacity was scarce.
"There are two corresponding ex-factory prices. The top five domestic dealers are 250,000 Xia Guoyuan, and the seven overseas dealers are 80,000 US dollars." An Wuyang explained the price.
Different prices show the attitude of Wu Geng Tian.
In fact, there are many commercial companies around the world that price products like Wugengtian. Generally, the country of origin is cheaper, and the sales price in other countries is more expensive.
Of course there are a few exceptions, but they are just a few, and too many disunity topics are not allowed!
"As for the second batch, I believe everyone has learned about it from the news." An Wuyang continued to explain.
"Given that Liang Huanxi's price is too expensive, even if we are willing to give the most favorable treatment in Wu Gengtian, its price is not affordable for ordinary people, so we are going to work with Shengqing Commercial Bank to create a loan product for Liang Huanxi. "An Wuyang told what Shengqing Commercial Bank needed to do.
"For example, if a premature infant from a poor family is facing a life-or-death crisis and needs Liang Huanxi to save his life, let them find a loan from your Shengqing Commercial Bank, then use the loan to buy Liang Huanxi, and then use Liang Huanxi to save their lives. "An Wuyang explained.
Zhou Xiang wanted to speak, but he found that his father Zhou Sheng was very calm, so he suppressed his doubts.
An Wuyang asked, "What do you think about this plan?"
Zhou Sheng then kicked his son, signaling for him to speak.
Zhou Xiang immediately asked, "Mr. An, our Shengqing Commercial Bank has a question. At what price are you going to sell Lianghuanxi to the corresponding poor families on the fifth day of the night?"
"We are willing to provide poor families with the treatment of the five major dealers on the fifth day of the night, which is the price of 250,000 Xia Guoyuan." An Wuyang responded.
This one looks expensive!
But An Wuyang had just made it very clear and understood that Liang Huanxi was sold to seven major overseas dealers for US$80,000.
If we calculate that 1 U.S. dollar equals 6.88 Xia Guoyuan, the purchase price of Lianghuanxi by the seven major overseas dealers is 550,400 Xia Guoyuan, which is almost 300,000 Xia Guoyuan more expensive.
What's more important is that these prices are all ex-factory prices on the fifth day of the week. Whether it is the top five domestic dealers or the seven top overseas dealers, how much do they sell them for?
In addition, the transaction between An Wuyang and Musk also established a pricing anchor point of US$80,000 for Liang Huanxi, so An Wuyang now said that he could sell Liang Huanxi to poor families at a price of 250,000 Xia Guoyuan, which already seems very benevolent.
However, for poor families, even if An Wuyang is kind enough, 250,000 Xia Guoyuan is still beyond the affordability of 99% of poor families.
So An Wuyang hopes to cooperate with Shengqing Commercial Bank to develop a loan business for Liang Huanxi. He can't really let Wu Gengtian directly give it away, right?
If you give it away directly, the problem will be even bigger!
Because it is profitable, will hospitals across the country define babies with no problems as premature babies, and define them as critically ill premature babies?
The human heart can never stand the test!
An Wuyang didn't want to test the dark side of people's hearts, so he chose a more complicated operation.
When Zhou Xiang heard An Wuyang's pricing, he first flattered him and said, "Mr. An is benevolent and righteous!"
An Wuyang laughed and scolded, "Stop flattering, if these words get out, the Internet trolls will have to type on the keyboard to say why don't we just give away two joys on the fifth day of the night?" Zhou Xiang sneered, "After all, I am an Internet troll!"
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"As long as those Internet trolls donate money to buy two pieces of happiness for poor families, they will shut up. After all, they will only blame other people!" Zhou Xiang added.
"Mr. An, how about you start a charity donation project at midnight to raise funds specifically for Liang Huanxi?" Zhou Xiang suggested.
An Wuyang directly denied it, "No, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no more, the internet trolls have something to say, we want to fake charity and make real money on the fifth watch day."
Zhou Xiang couldn't help but laugh out loud again, "Those Internet trolls think too highly of me. You guys don't lack these three melons and two dates at the end of the night!"
An Wuyang said with a smile, "But they can't understand, can they?"
"Let's not talk about these meaningless things. Let's continue to discuss the loan related to Liang Huanxi." An Wuyang brought back the topic.
Zhou Xiang said a little embarrassedly, "This loan usually requires collateral."
"If it is a credit loan, income assessment is required." Zhou Xiang added.
Zhou Xiang's meaning has been very clear, that is, poor families will not be able to pass the loan review no matter which method they choose.
Check out the 16-9 book bar and see the correct version!
After all, they are all poor families, so why do they still expect to have collateral?
Is the vacant property used as collateral or the family car used as collateral?
After all, some people think that no matter how poor a poor family is, they should have several idle properties or family cars, right?
As for options for assessing income
Isn't it because poor families are poor families because of their low income?
In this case, how do you pass the income assessment?
From the perspective of Shengqing Commercial Bank, from the current point of view, Wugengtian wants to transfer risks and let Shengqing Commercial Bank bear the corresponding risk of bad loan debts.
That's why Zhou Shengcai didn't express his position, and Zhou Xiang made the communication.
In this way, there is an extra layer of room for maneuver, so that it will not be a deadlock from the beginning.
Xiao Qingyue was recording the Vlog beside her, and she also analyzed these problems. She was secretly curious about how An Wuyang would get Shengqing Commercial Bank to agree to their suggestion of the fifth watch.
Of course, An Wuyang guessed Shengqing Commercial Bank's concerns, and he responded, "I'm asking you to do the loan project, not really asking you to lend money."
"What do you mean?" Zhou Xiang was confused.
"Based on the loan business of Liang Huanxi, your Shengqing Commercial Bank signed a contract with a specific poor family, which is equivalent to the debt the poor family owes your Shengqing Commercial Bank." An Wuyang began to elaborate.
Zhou Xiang nodded, indicating that this was indeed the concept.
"According to the normal process, a specific poor family signed a loan agreement with your Shengqing Commercial Bank. You reviewed and approved the loan. This money was sent to us to buy Lianghuanxi on the fifth day of the night. We took the money to deliver the goods. Finally, the specific A poor family gets two joys to save a critically ill premature baby, and then slowly repays the loan," An Wuyang explained the whole process.
"Under normal circumstances, that is indeed the process." Zhou Xiang agreed.
But the actual situation is that you can’t even enter the first step, okay?
Even if the management of Shengqing Commercial Bank drank fake wine, it would be impossible for them to sign unsecured and uncredited loans with poor families. After all, that would mean high-risk bad debts.
Even if Shengqing Commercial Bank held its nose and provided such a loan in order to save face for Wu Gengtian, it would not be able to provide much.
After all, banks are not charities!
Even if it is a charity, it must seek benefits through high employee wages!
"What if for the corresponding loan, we have to pay for it at midnight?" An Wuyang asked.
"Ah?" Zhou Xiang was stunned.
Zhou Sheng also raised his eyebrows.
An Wuyang continued, "You at Shengqing Commercial Bank want to make money, and we at Wuyang hope to do something to save some new lives. We each have our own needs."
"In order to ensure that your Shengqing Commercial Bank can make money, we can deepen cooperation with your Shengqing Commercial Bank on the fifth day of the night, including signing a drawer agreement." An Wuyang added.
The so-called drawer agreement is actually a slang term in the industry.
This means that some agreements cannot be put on the table, but can only be locked in a drawer.
"Take Liang Huanxi's loan as an example. You don't need to lend money to the patient's family, and the patient's family doesn't need to pay us on the fifth day of the week. We will directly issue Liang Huanxi to the patient's family on the fifth day of the week." An Wuyang explained.
"The patient's family only needs to repay the loan on time, and the corresponding period should be longer, such as 10 years, 20 years, or even 30 years, and the interest rate should be lower, such as only 2% annual interest." An Wuyang Additional explanation.
"Anyway, your Shengqing Commercial Bank has no actual costs. All costs are borne by us. Is there any problem with lower interest rates?" An Wuyang asked.
Zhou Sheng said, "No problem! As Mr. An said, when we have no costs, even a lower interest rate is no problem."
This is called making money for free!
"I was just about to say that you will also give us half of your interest, and the principal will be deposited directly in your Shengqing Commercial Bank." An Wuyang added.
"Equivalent to the corresponding loan project, your Shengqing Commercial Bank only has 1% gross profit." An Wuyang added.
Zhou Sheng still agreed, "It's no problem either."
Shengqing Commercial Bank only needs to pay some human resource costs and can get 1% profit. Why not?
Besides, are human resource costs considered a cost?
It’s just the labor of cattle and horses!
In addition, since there is no need for review or actual lending, the human resource cost is actually very low. It is nothing more than signing a loan contract.
The paper cost of the contract is very low, and the human resource cost of cattle and horses is very low. Taken together, it is equivalent to no cost.
After all, the daily operating costs of Shengqing Commercial Bank can be covered, so what other costs are needed?
The wages of cattle and horses are daily operating costs and do not require additional calculations.
Xiao Qingyue was listening to the exchange between An Wuyang and Shengqing Commercial Bank. She was full of surprise, because as An Wuyang said, such a cooperation plan was completely borne by Wu Gengtian.
‘It turns out that Wugengtian was so evasive. No wonder he asked Shengqing Commercial Bank to sign a loan agreement with poor families from the beginning, without even considering the factors that Shengqing Commercial Bank did not agree with. ’ Xiao Qingyue sighed.
This is not that Wu Gengtian wants to transfer the risk, but that Wu Gengtian has 100% assumed the risk!
"Mr. An, what should we do if an extreme situation occurs in the relevant loan?" Zhou Xiang raised the issue of extreme situations.
(End of chapter)