The most terrifying thing about Ant Group is that it continues to create new loans through financial instruments, allowing its leverage ratio to reach about 100 times. In fact, many companies are using leverage, and the leverage ratio is not low, but their size is not as large as Ant Group. Let’s talk about how Ant Group uses financial derivatives to expand its mortgage loan amount.
Ant’s two small loan companies are both registered in Chongqing. Former Chongqing Mayor Huang Qifan mentioned in his book that Ant expanded its own capital of 3 billion to 300 billion in lending profits. How is 100 times leverage achieved? Mainly through asset securitization, that is, ABS.
1. Ant first uses its own funds, which is 3 billion yuan, to lend. At this time, its profit only relied on the interest brought by the principal of 3 billion yuan.
After the 230 million yuan loan was released, Ant had the right to accounts receivable of 3 billion yuan. These 3 billion yuan of rights are packaged into a financial management product through the ABS model and sold to the public in the form of bonds. At this time, Ant received another 3 billion yuan in funding.
3. When bonds are sold to the public, interest must be paid, and the interest rate is not low, above 6. Financial products with such high interest rates were issued by a company as big as Ant Group, so naturally everyone snapped them up. Ant loaned out the newly obtained 3 billion yuan again to complete the second round of lending.
4. Ant’s general lending interest rate is between 10 and 20. After deducting 6 financial products, you can get an interest difference of 4 to 14, which is an interest difference of 3 billion yuan.
5. After the second round of lending is completed, Ant once again has the right to accounts receivable of 3 billion yuan. Continue to use the ABS model to package financial products, repeat the above steps, and do the third round of lending. Through dozens of rounds of operations, Ant turned 3 billion yuan into 300 billion yuan.
You must know that of the 300 billion yuan, Ant has only 3 billion yuan of its own funds, and the remaining 297 billion yuan is the funds of various enterprises and the public. It's okay if nothing happens, but if there is an accident to the funds, it may cause financial turmoil.
Nuclear bombs are actually not large and can be carried by a bomber. When it is released into a certain area and explodes, its radiation range will spread rapidly in a very short time, affecting a city. Is the way Ant uses ABS to expand its small capital into a massive amount similar to the principle of nuclear bombs?
Ant Financial invested 3 billion and borrowed 6 billion from banks in Chongqing. Then use the 90 to lend money. Chongqing requires that its loan size should not exceed 20 billion. However, Ant used debt securitization to package the debt and repeatedly loaned 300 billion. In other words, Ant Financial has 3 billion of its own funds, but has used various methods to lend out 300 billion, and this 300 billion is an unsecured small loan with a leverage of more than 100 times. While lending large amounts of money to young people without collateral, and at the same time pledging these debts to banks, Ant itself only used 3 billion to make 300 billion loans, and the annual interest rate of these loans reached 18. The interest rate on the money Ant took from the bank was only a few cents. It's completely like being an intermediary to earn the price difference and suck the blood of society. Do you understand? This is how Lehman Brothers played a role in causing the U.S. subprime mortgage crisis. Typical subprime loans use high leverage to lend without collateral. Once the scale of bad debts reaches a certain level, it will form a financial nuclear bomb that will spread across the country. Now Ant is about to go public, with a valuation of 68.8 and a financing scale of 3 trillion. Isn’t this clear that it will kill the people of the country? If the listing is successful, when the stock ban is lifted, a large number of billionaires will be created, and the national stockholders will be treated as leeks. The financial explosion will make the whole society foot the bill, but all Ant people will become billionaires leisurely. Ant once planned to go public in the United States, but was fiercely opposed by U.S. congressmen, but failed. Even the U.S. imperialists were afraid that things like it would harm American investors, but they wanted to make money in the Chinese stock market and bury the majority of investors. Sadly, there are still a lot of people who were The people who helped count the money after the sale cheered for Jack Horse.
Lao Ma is in trouble. What is the purpose of a company going public? I believe many people know it. In fact, the purpose of every company going public is the same. The only difference lies in how much ability you have to make your company When listing, let the market accept and recognize the value of its existence. In fact, it is the so-called valuation now. Every company operates in the same way, but the operator's ability and the degree of recognition are different. Isn't the property market actually like this? It's just that most people accept it because it's easier to play.
Ant’s listing valuation is beyond the tolerance of some people. It’s not that Lao Ma violated anything or did anything sorry to anyone. It’s just that he played a little too big, and it was so big that some people Feeling scared is beyond the control of some people. It’s not that Lao Ma’s actions are illegal or anything. In fact, his approach is basically the same as that of other companies. It’s just that others don’t have the ability to play as big as him. Now Lao Ma It's a bit ridiculous that many people come out to fight against the horse's arm that can't twist its thigh.
Of course, Lao Ma has done a lot of things in the past that have harmed the interests of some people. In the past, Lao Ma was often praised in various ways because his actions in some aspects did change some inherent Traditional things, no matter what kind of things they are in reality, are actually two-sided. There must be advantages and disadvantages. It is impossible for everyone to accept it. The service has changed some things. Of course, some people will benefit from it, but there will definitely be others. He hurt the interests of some people, so he became a controversial person, and he was a very high-profile person.
Some time ago, he gave some speeches at a financial summit. The content involved was indeed very unusual and completely touched the primitive financial groups. In reality, ordinary people have no idea. There is no way to really participate in finance. Because he is not qualified, finance is only a thing for rich people. Jack Ma wants to bring finance to the ordinary people. This has impacted the past situation and will naturally offend many people. This is unacceptable. It’s hard to say whether it will be good or bad for ordinary people to avoid things.
Now that Lao Ma is being interviewed and Alibaba has been hit hard, a lot of people have suddenly appeared on the Internet to denounce Lao Ma and say that Lao Ma is wrong. In fact, this phenomenon is just a big tree attracting trouble. Hello When you are in trouble, these people will fawn over you, and when things go wrong, they will push you and step on you. In reality, these people are the best at reacting like this. These people directly describe Huabei as hurting themselves. It is a kind of thing to say that Alipay and Taobao are worthless. These are actually just following the trend without clear self-judgment.
Ant’s listing was blocked. Do you actually think it’s really for you? People who think so are overthinking, because the game Lao Ma is playing is too big and beyond the scope of some people’s definitions. , this is tantamount to being beyond control. Who has the greatest influence is actually not ordinary people, but the people who make the game. Because the cake is so big, the old horse suddenly comes to take a big share, causing those people's shares to change. No, they will definitely not be happy. Of course, leveraging is a matter of course. I believe everyone remembers what the stock market was like five years ago. But this time, the old horse has gone big. After the stock market five years ago, The turmoil has indeed frightened many people. They were worried that they could not control it, so they took action in advance this time just as a precaution. The approach and speed this time were still very good. At least they did not want to make countless stock investors wail like they did five years ago. This is because It is true that the sense of worry has played a role this time. After all, I have experienced this kind of thing once or twice. If I don't react, I will really lose my fortune.
These are basically competitions between capitals, and they actually have little to do with us ordinary people. It does not mean that Ant has harmed the market, nor does it mean that his actions are immoral, because everything is actually the same, it is just that others It’s just that he can’t or doesn’t dare to play so big. He is just playing Dafa. You think it has something to do with you. You are overthinking it. All capital actually plays this way. It’s just playing big and small. Internet credit and so on. In fact, it’s not just Lao Ma who is doing things. Look at those Internet companies who are not doing it. Lao Ma is just a bastard. When something goes wrong, everyone’s dissatisfaction will be poured out on him. Regardless of whether it is really related or not, at this time, those In fact, people don't care anymore, let's step on it first.
Ants are the nuclear bomb in the financial war. It is too vivid. I agree with the view of this nuclear bomb. However, this nuclear bomb is by no means a nuclear bomb thrown at the enemy, but a nuclear bomb that explodes internally. It affects the security of financial capital, the security of the country's economic and financial system, and even the security of the foundation of the national economy! When a nuclear bomb is about to be formed or has already been formed, it is necessary and necessary to take preventive measures in advance. We highly appreciate the management's strong awareness of the danger and the actions they have taken!
The essence of Ant is loan sharking, its cover is high technology, and users pay for the insurance. The idea is to escape supervision. If it succeeds, it will kidnap teenagers, kidnap the country, and kidnap the future of the nation!
Ant mortgaged its 3 billion debt to get 300 billion, then continued to lend 300 billion, and then mortgaged to get 300 billion through repeated operations. The profit belongs to Ant, and the collapse belongs to ordinary people
To be honest, I used to treat Jack Ma I admire Alibaba's various innovations and support him in fighting the banks. But ever since I listened to his speech and publicly rejected the Basel Accord, I began to dislike Jack Ma. Because I feel that Jack Ma is no longer the inclusive innovation he promoted, but has exposed his financial ambitions. He wants to be a Jewish capital group in China, and he may even be the agent of the Jewish capital group in China! He wants to be the emperor of China!
The liberalization of financial regulation has led to the country being controlled by Jewish capital groups. The harm is obvious! George W. Bush loosened financial regulation in the United States, which immediately caused the United States to be hollowed out by Jewish capital groups. The country continued to decline, and directly caused Israel to transform from the younger brother of the United States to the emperor of the United States. This lesson is profound!
Therefore, from a regulatory perspective, Jack Ma and Ant Financial are indeed nuclear bombs. If supervision is not strengthened, it will inevitably lead to the rise of worms like the Jewish Capital Group around the world!
You know what a grasshopper is after autumn? Maybe it is an ant after autumn. Playing tricks with the common people makes us a little stupid, but not stupid. If you play tricks with the country, then you have had enough.
Society is a cancer! Excessive finance will lead to crisis! Finance was originally a method of war first invented by the United States. Its representatives once looted the Soviet Union, Japan, Thailand, etc. But other countries don't understand. They think that it will make them stronger, but only if they have to fight financial wars with other countries will they get rich. But most countries are just keeping things in their own hands! Make yourself miserable! In ancient my country, the Qin Dynasty used to rank scholars, farmers, workers, and merchants, that is, first of all, there must be good officials, and then there must be emphasis on agriculture, which is the rice bowl. Then there are workers, and then there is business. Qin unified the six countries only after he had a clear understanding!
Jack Ma is the originator of cutting leeks. In the past, Zhao Wei’s 100-fold leverage of Wanjia Culture was Jack Ma’s masterpiece. With the IQ of actress Zhao Wei, she should not be able to operate it. If something goes wrong, everything else will be wiped out. Take a look at the previous photos with Master Wang Lin, they are the same.