When I got home in the evening, even Zhang Yiru, who usually had no interest in stocks, started chatting with Gu Junhao about stocks. By the way, he even teased Gu Junhao that his market value exceeded 100 million and was on the hot search list.
The hotness of the market can be seen. When most people who don't pay much attention to stocks start talking about it, risks also mean that they have arrived. Tonghuashun, which is trading at the daily limit, is obviously at the forefront of the storm.
According to Gu Junhao's impression, Tong Huashun's stock price should have been below 50 yuan at the beginning of 2015. If I remember correctly, based on today's closing price, there should be a retracement of about 30%, and the adjustment range is equivalent.
Big.
"It's all fictitious. I want to sell it, but the pledged money hasn't been paid yet, so I can't sell it even if I want to." Gu Junhao said with a wry smile.
When he thought that the current market value of 100 million yuan would retrace more than 30 million yuan in less than half a month, Gu Junhao felt heartbroken for no reason and redeemed his pledged equity. Just the magnitude of the retracement was enough.
Deal with current debt.
At present, without calculating interest, Gu Junhao has a total debt of 21 million yuan. If he wants to release these pledges, he must raise more than 21 million yuan in cash flow and redeem the shares before the stock price retreats.
"Do you really want to sell stocks?"
"Yes, if I can get more than 20 million now, I will sell the stock."
"More than 20 million is a bit much. Your company can get financing, but the procedures are a bit troublesome. If it doesn't work, just use bridge funds, but the interest rate is higher."
In Zhang Yiru's view, Gu Junhao's judgment on the trend of the stock is still very accurate. Every time he sells, there will be a big adjustment. And now that the market value is so large, the adjustment is a very big number.
.
"Well, bridging funds is one way. I'll ask my big customers to see who can help me solve it. You can also help me inquire and try to get it done by this weekend."
"Okay, I'll help you ask our colleagues in the loan department later." Zhang Yiru said happily.
Ever since he started dating classmate Xiao Gu, he has never allowed himself to provide much help. It is really rare to have the opportunity to help him this time.
They have been dating for more than a year, and although they are about to get engaged, there is very little support for each other. Xiao Gu may have been used to being lonely since he was a child, and he is used to solving everything on his own.
The so-called bridge capital is a short-term financing method that is connected with long-term funds. Through the financing of bridge funds, it is connected with long-term funds. The general term is within six months.
It can be an individual or a company. Generally, small and micro enterprises use the bridge method more commonly, and the interest rate is relatively higher. Gu Junhao's company did not have much demand for funds before, and all provided blood by itself, so this
This method is used less frequently.
As for the cash lying in Junshi Capital's account, Guo Yuanwei even thought about using bridge loans to provide part of the company's hematopoietic capacity, but these were rejected by Gu Junhao.
In Gu Junhao's view, those who borrow money nowadays are all uncles. Any individual or company that lends money must be prepared for bad debts. At present, without strong support, he has become rich in a short period of time and has been betrayed by others.
The probability of a pitfall is still quite high.
If you lend money out of the company's account for this bridge interest, and you are cheated and cannot get it back, it may affect the company's normal operations, which is not a good thing for the company and yourself.
But borrowing money from others is another matter. People have such double standards, and Gu Junhao is no exception.
Because he had to solve the problem of bridge funds, Gu Junhao did not go directly to the company to work as usual on Friday morning, but followed Zhang Yiru to the bank.
As a bank, it is very happy to provide loans to high-quality customer groups like Gu Junhao. From past exchanges, the bank can also see that Gu Junhao has always been relatively resistant to loans.
At ten o'clock in the morning, through Zhang Yiru, Gu Junhao and the bank's loan manager were sitting face to face in the reception room, discussing the loan amount and interest rate.
This time, Gu Junhao prepared a one-time loan of 25 million yuan. While paying off the previous loan, he could also supplement a certain amount of working capital.
"It would have been better if Mr. Gu had listened to me last time and made a direct loan without pledging." Manager Liu, who is in charge of the loan business, said with a smile. Last time Gu Junhao insisted on pledging, which made him miss a loan opportunity.
"Then it can be the same. You couldn't have loaned me 25 million yuan last time." Gu Junhao said with a smile, what was the market value of Tonghuashuncai when he came to pledge last time.
If you want a one-time loan of 25 million yuan, no matter how loose the policy is, you will not be able to pass the risk control; but this time it is different. After the pledge is released, Gu Junhao will find an opportunity to sell part of the stock, and he can easily repay the loan.
Amount.
The entire conversation between the two was relatively harmonious. As the manager of the loan business, Gu Junhao's risk control and credit extension were very good. There was no need to worry about bad debts for this loan of 25 million yuan.
Deliver your own performance.
To a certain extent, he even hoped that Gu Junhao could lend more; after talking, the two had a full exchange of specific details, and then negotiated the contract details through the legal affairs of both parties.
As for the specific details, as long as there is nothing wrong with the legal affairs, Gu Junhao doesn't care much about the interest rate. The only requirement is that it should be done as soon as possible. If it takes too long, the loan will be meaningless.
"Don't worry, Mr. Gu, we will handle this matter specially and try to pay you today or next Monday so as not to delay your business." The manager said cheerfully.
"Thank you very much. In that case, I won't disturb your work for now. You can come to our company when you have time."
"Yes, this is also our job. I will go to the president and try my best to approve it for you."
"Okay, then I'll leave first so as not to delay your work."
"Why don't you go see Xiao Zhang?" Seeing that Gu Junhao was about to leave, the manager also joked. The engagement between the two also caused a lot of noise inside the bank.
"Haha, I'm going; I'll go find her for lunch and then go back; then I'll invite Manager Liu to have a glass of wine, and we'll send you the invitation later."
The manager of the loan business department, whose surname is Liu and first name is Liu Jun, is a fat man who looks very kind; but to be able to achieve this position, his ability is naturally not simple, and Gu Junhao naturally wants to have a good relationship with him.
"That's necessary. It's an honor for me to attend Mr. Gu's engagement party." Liu Jun said happily, not showing any displeasure at Gu Junhao's temporary invitation.
"You've given me too much praise, so I'll leave first."
"Okay, bye."
After leaving the loan business department, Gu Junhao came to Zhang Yiru's office. Seeing Gu Junhao come in with a smile on his face, Zhang Yiru could naturally guess that things went smoothly.
"Have we discussed it?" Zhang Yiru said with a smile.
"Well, we've negotiated. Old Liu is very easy to talk to and will handle it for me as soon as possible. However, I have to go to Brother Xu's place in the afternoon. I want to get the pledge released before this weekend. I'm afraid that the bank's funds will not delay me so quickly.
time."
The Brother Xu that Gu Junhao is talking about is Xu Dong, the boss of Xushen Auto Parts. Ever since the two met during the first fund raising process, the relationship between the two parties has been very harmonious, and it feels like they have been friends for years.
The initial investment of the first fund was 4 million yuan, which was very supportive of Gu Junhao. When the second fund was launched, based on the principle of mutual benefit, Gu Junhao would still bring him along.
In this way, among the two funds, Xu Dong subscribed for a total of 10 million yuan, and the profit so far is still very considerable. When he thought of using bridge funds last night, he was the first person Gu Junhao thought of.
Currently, he has a good relationship with me, and he is the only one who can provide short-term bridging funds of more than 20 million yuan. Some other people are not rich enough and do not have that much cash flow.
But Xu Dong has this ability. In recent years, Xu Dong, whose business has been growing bigger and bigger, has no funds and no place to invest. Otherwise, he would not have purchased a private equity fund worth nearly 10 million yuan from Gu Junhao. He even thought of it.
The idea of taking the company public.
It would be best if it can be solved through a bank, but the procedures for banks are more complicated. Although Manager Liu’s words are quite beautiful, there is no guarantee that there will be any surprises.
In order to prevent missing time, Gu Junhao also made two preparations. After finalizing the loan with the bank, he borrowed a short-term loan from Xu Dong and could repay him immediately after the bank funds were transferred.
Last night, Gu Junhao asked Xu Dong for his opinion on the plan he had in mind and asked for help. As the big brother, Xu Dong readily agreed, and the two made an appointment to meet at his company this afternoon.
"As long as it's done, but are you in such a hurry, are you afraid that the stock will fall sharply? Hasn't it been rising very well recently?" Zhang Yiru asked with some confusion. Although Xiao Gu is very efficient in doing things, it seems that he has never been so efficient.
Too eager.
For this reason, Zhang Yiru took a special look at the market and the trend of Tonghuashun this morning. The current price rise is quite good, and Tonghuashun has exceeded the price of 70 yuan early in the morning.
"Absolutely. The market is too hot. My previous pledge and the recent surge in Tonghuashun have caused quite a stir. I want to cool him down." Gu Junhao rubbed his forehead and said.
It stands to reason that although my market value will generate a certain amount of heated discussion among fans, it is not enough to be on the hot search list. At most, it will only have a certain degree of popularity among peach stocks.
There is no such thing as a good person in stock trading; without any public relations, the popularity was so high that Gu Junhao suspected that someone was using him to divert attention in order to achieve the purpose of smashing the market.
For a stock price of over 65 yuan, for next year's market, although investors who buy it will not lose money or even make a lot of money, it is relatively high this time.
Investors who take over after chasing highs and adjusting are the easiest to cut off. Gu Junhao does not want his influence to mislead his fan base.