"I heard the relevant departnts are studying plans to promote the real estate market?"
Yang Qinghua smiled faintly, not mocking the inconsistency and pretentiousness of the other party.
We are not children anymore.
Without a sufficient reason, eting isn’t easy, even if we are in the sa city.
"You have quite the insider information."
With so many years of connection, both parties have a clear understanding of each other, so so unnecessary procedures can be omitted.
Yang Qinghua indirectly acknowledged, candid and straightforward.
"The real estate market is colossal, and it can’t be resolved solely by official forces; it requires the joint effort of the entire society."
Yang Qinghua remained calm, composedly asking, "Do you have any ideas?"
Song Chaoge maintained eye contact, unfazed, perhaps having not worn glasses for too long, the habit of pushing them has faded.
"The current economic situation is bleak. Only cash and deposits can give common people a sense of security, so they are reluctant to spend easily, especially on large items like houses."
"So do you have a good strategy?"
"Houses are a necessity, so it’s not that people don’t want to buy, but they’re too afraid to buy, so everyone is holding onto their money waiting to see. House prices are destined not to fluctuate significantly, so the focus can only be on housing loans."
Yang Qinghua quietly observed him.
"A decline in interest rates is an inevitable trend, but it is still far from stimulating the enthusiasm of people to buy houses. To reduce the psychological burden on the people, we need to make them spend as little as possible, but the national banks aren’t fit to make major policy changes, whereas private enterprises aren’t burdened by this."
"I think you need to be concise, otherwise ten minutes might not be enough."
Yang Qinghua’s expression revealed no hint of emotion.
Upon hearing this, Song Chaoge stopped beating around the bush.
"Sister Qinghua, Hippo has always been engaged in finance-related business and is a leading figure in the industry, with a vast user base and an excellent market reputation. As long as they are willing to give Hippo a chance, Hippo can definitely fulfill its social responsibility."
Yang Qinghua pursed her lips into a smile.
"Why don’t you just co to my office to talk."
She wasn’t sarcastically suggesting that he was a lobbyist.
Who is behind Hippo, the ordinary people might not know, but she does.
"Directly approaching sister Qinghua, sister Qinghua might not necessarily et with ."
Song Chaoge joked.
"For the sake of the country and its people, why wouldn’t I et with you?"
Perhaps to save the other party ti, after a simple response, Yang Qinghua said straightforwardly, "Hippo is indeed an excellent, even outstanding company, significantly changing people’s lives, providing great convenience to society. But the real estate market... the example of Hengsheng Group is well-known; can Hippo withstand such imnse pressure?"
"Yes."
Song Chaoge responded decisively, without the slightest hesitation.
Yang Qinghua was equally quick in her response.
"What about the funds? I don’t believe Hippo has such abundant cash reserves."
"As long as Hippo Finance can go public, I guarantee enough funds can be raised."
Going public.
This should be his most fundantal purpose.
Although the process was brief, it was evident that after Song Chaoge revealed his true intentions, Yang Qinghua clearly frowned.
She remained silent for a while.
"This issue has already been discussed before."
This was a reminder.
The IPO of Hippo Finance is indeed not being proposed for the first ti; Hippo had planned this years ago and nearly succeeded.
But at the last mont, it was urgently stopped, failing narrowly.
The reason was simple.
The main purpose of public offerings for companies is to "raise money."
Generously speaking, it’s about raising funds from the market for better growth. As the company scales up, stock prices increase, benefiting shareholders, making it a mutually beneficial win-win deal.
But Hippo is different.
Or rather, Hippo Finance is different.
Hippo is a listed company, but Hippo Finance, which seems part of it yet is indeed independent, stood at the door of being listed, only to be kicked back.
Because its ambition was too big.
Or its appetite was too large.
The main business of Hippo Finance is micro-loans, which, plainly speaking, ans lending money to users.
What is its purpose in going public to "raise money"?
Essentially, going public is borrowing money from the market. Does it want to take the borrowed money from the market to lend it to users?
Exactly.
Being a "middleman" isn’t necessarily a severe issue, and Hippo Finance isn’t a loan shark; but its operating model is more malicious than loan sharking.
At least loan sharks offer real cash to recipients, only subtracting so in between, like borrowing ten thousand but giving only seven thousand.
And how much does Hippo Finance offer?
Nothing.
Just IOUs.
Users borrow ten thousand, it casually writes an IOU for ten thousand, letting them use the note for transactions in the market.
Because of Hippo’s vast user base and market dominance, the market indeed acknowledges its IOUs.
Yet ultimately, IOUs are not real currency. As the circulation rate is low, with Hippo’s endorsent, there isn’t a problem. But Hippo’s ambition is to issue IOUs without restraint.
Additionally.
The user borrows "IOUs," but returns real cash. Over ti, the market sees increasing IOUs and decreasing real cash.
To be frank.
If comparing courage, even Hengsheng Group, which recently burst with a trillion-dollar bubble, might not be stronger than Hippo.
And this was before being listed, if Hippo Finance goes public, it might really dare to give a fulcrum to lift the entire Earth.
At that ti, huge risks were noticed, leading to the termination of Hippo Finance’s IPO plan. Now it’s finding a niche to attempt a coback.
"Sister Qinghua, tis have changed. If uneasy, Hippo is willing to accept strong regulatory asures."
"You haven’t understood what I an."
Yang Qinghua calmly stated, "Even if as you say, what we need is a truly capable company, not one that ’lays eggs in borrowed nests.’ Ultimately, Hippo is still hoping to borrow money from the market, what is the fundantal difference from a few years ago?"
Song Chaoge wasn’t upset, after a mont of silence, he unexpectedly laughed.
"A truly capable company. Sister Qinghua, the real estate market is like a vast ocean, which company has the capability you speak of?"
Yang Qinghua looked at him but said nothing.
"Great Wall isn’t enough either."
They held each other’s gaze, Song Chaoge said.
Indeed, Great Wall isn’t enough, however, they aim to raise money from abroad, which marks a difference and disparity.
Certainly.
Such insider information, Yang Qinghua definitely wouldn’t disclose it.
"Chao Ge, you can enjoy life well."
Yang Qinghua suddenly said, inexplicably bringing the topic back to the beginning.
Strangely, sothing that sounded incredibly sincere still caused the usually elegant Song Chaoge’s expression to change, his smile first rigid then fading, ultimately disappearing.
"Sister Qinghua would rather help outsiders than ."
Disregarding his change, Yang Qinghua firmly said, "Firstly, it isn’t an issue of help or not. Secondly, I’m not in charge."
Song Chaoge pursed his lips.
Yang Qinghua stood up, perhaps considering their long-lasting relationship, she paused.
"Accepting failure is sotis a form of liberation."
Song Chaoge’s pupils contracted dramatically, he raised his head, asking with resentnt in his tone, "Does sister Qinghua accept failure?"
Even the most radiant person will have unspeakable aspects.
In terms of relationships, the illustrious Yang Ting in politics was indeed a failure.
"I do not accept."
Facing the door, with her back to Song Chaoge, Yang Qinghua’s expression was unclear.
Song Chaoge’s mouth twitched, but before he could continue, he heard her voice again.
"But I am willing to spend a lifeti as the price. Are you?"
Song Chaoge imdiately fell silent.
Yang Qinghua walked out, closing the door.
The room beca quiet.
Wisps of steam floated from the teapot.
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