Technology company, I will become the light of China!

Chapter 195 Tens of billions of loans alarm the Bank of China!

“1 billion???”

Fan Zhenhua was sluggish and his body was trembling.

100 billion!

What exactly does Chen Xing want to do?

Even if he was the president of Shenzhen Commercial Bank, he had never seen such a horrific commercial loan.

And he was also wondering, why didn't Chen Xing take the company public?

If there is a shortage of money, according to the current development trend of Longxing Technology Company, all he needs to do is go public, and investors all over the world will definitely blow up the stock.

Even if you don't go public, finding financing from venture capital institutions or accepting capital injections from friends is a shortcut to quickly accumulating wealth.

"Yes, 100 billion."

Chen Xing nodded to confirm, not joking at all.

The main reason why he didn't want to go public or be invested by venture institutions was that he felt that the crisis could be solved by relying on bank loans.

If it goes public, the overall rights will be dispersed, and Longxing Technology will transform from a private company to a public company.

Of course.

Going public is also a trump card.

If Chen Xing fails this time, he will be in debt worth tens of billions, and the only way to clear his debt is to go public.

Therefore, unless it is a last resort and on the verge of desperation, the option of going public will not be considered by Chen Xing.

When Fan Zhenhua heard the confirmation, he was stunned for three seconds, and then groped in his trouser pocket for a few seconds to find his cell phone.

A 100 billion order...

He really can't make the decision!

After finding his cell phone in his coat pocket, he immediately looked at Chen Xing and said, "I... I'm asking for permission. Mr. Chen, please wait a moment."

"Go."

Chen Xing responded unhurriedly.

After Fan Zhenhua left, he didn't feel any strangeness as a guest at all. As if he was back in his own office, he picked up the teapot on the table, cleaned it, and made tea for himself.

……

the other side.

Fan Zhenhua, who walked out of the office, came to the vice president's office and rushed the vice president who was still chatting with customers directly into the lobby.

After occupying the office, he also dialed the number of Ma Tiansheng, vice president of the head office.

"I got a call not long after I started working. Why is President Fan so urgent?" Ma Tiansheng was still watering the money tree in his office and didn't take the call seriously.

however!

next second!

"President Ma, Chen Xing, the CEO of Longxing Technology Company, wants a loan of 100 billion yuan, and he is in our Shencheng branch now."

silence!

It's like entering a library late at night.

Dead!

It was like walking into a morgue in the early hours of the morning.

Ma Tiansheng's hand trembled visibly while holding the watering can, and at this moment, water continued to pour out of the spout.

Loan 100 billion?

If you dare to lend, do we dare to borrow?

He was really confused. If Chen Xing was really short of money, why didn't he go public to make money, just tens of billions?

"You're not kidding?"

"no!"

"Really not?"

"I swear to God, no!"

"100 billion, 100 billion, 100 billion..." Ma Tiansheng muttered it three times in a row, and his thoughts gradually became clearer: "I understand, go and ask him if he has any collateral. If there is no collateral, this amount is basically useless." Possible loan."

Like commercial loans, if there is collateral, you can generally borrow twice the value, or even five times the value.

Banks are never afraid of not being able to repay the loan, they are just afraid that no one will come to them for a loan to start a business.

High-tech companies like Longxing Technology are currently the target of strong support and can lend the maximum amount.

But again...

Collateral required!

"I understand. I'm going to ask now and I'll call you later." Fan Zhenhua was about to hang up, but was stopped.

"Wait, just go like this!"

Ma Tiansheng was also curious. Did Chen Xing want to use his face to get a loan? Or mortgage the entire Longxing Technology?

"Then I'll go back and ask." Fan Zhenhua returned to his office without hesitation and looked at Chen Xing who was making tea.

Seeing someone walking in, Chen Xing smiled in a nonchalant manner and invited, "So soon? President Fan, please sit down and drink a cup of tea first to moisten your throat?"

"Forehead…"

Fan Zhenhua hesitated for a moment, sat down on the sofa on one side and said, "I won't drink the tea for now. I want to ask Mr. Chen if there is any collateral for the loan, because you also know that this amount is too..."

"Have."

Before he could finish speaking, Chen Xing gave the answer.

Chen Xing took out his briefcase, took out a document, looked at the title and said: "Xingshan fast charging dual circuit dual charge pump patented technology, and this..."

He took out another.

"Patented three-circuit three-charge pump."

Chen Xing placed them on the table one by one, and then continued to take out the documents.

"DSP Multiple Architecture Technology"

"Qingzhou Ten-Core Microarchitecture"

"SOC God Chip Connection Technology"

"Millimeter Wave Signal Directional Transmission Technology"

"Signal Bunching Enhancement Technology"

……

"Massive MIMO Antenna Matrix"

Fan Zhenhua was dumbfounded. He was completely shocked by the patent document in front of him. This was the foundation of Longxing Technology Company!

All mortgaged?

put all one's eggs in one basket?

What does Chen Xing want to do?

Ma Tiansheng, who was on the other end of the phone, could fit an orange into his mouth at this moment. He never thought that Chen Xing would use his technology as collateral.

Is it feasible to mortgage patented technology?

The answer is, yes!

Not only does it work, it works very well!

Their bank has internally estimated that if Gaotong had not forced domestic manufacturers to choose one of the two, the patented technology of Star Flash Charging alone would have been worth 30 billion, or even more!

"It's time to get serious. This lunatic Chen Xing might be serious about it. No, we have to go to the president to explain the situation."

Ma Tiansheng did not dare to hesitate and immediately walked to the president's office.

I thought Chen Xing might be joking, or talking about a face-based loan, but I didn't expect that it was using technology, and it was all the technology of Longxing Technology.

He walked quickly through the corridor of the bank, greeting colleagues who kept passing by.

"Hello, Mr. Ma."

"Are you leaving in such a hurry? Brother Ma?"

"Have you had breakfast? President Ma."

Ma Tiansheng ignored the greeting and went straight to the door of the office of the general manager of the commercial bank.

"咚咚-"

After knocking on the door as a reminder, he opened the office door and walked in.

"Pony? What are you so worried about?"

Sitting in the office chair is a man in his 50s with slightly white temples and an elegant temperament. He is the president of the commercial bank, Li Jimin.

"Has something serious happened to Mr. Li?"

Ma Tiansheng closed the door, took a few deep breaths and tried to calm down.

"What happened?" Li Jimin couldn't help but frown when he heard this, put down the pen in his hand, and waited for the next step.

"Do you know Longxing Technology Company?"

"I know, the boss of the company is called Chen Xing. He mortgaged the land some time ago and borrowed 15 billion from our bank. What happened? He ran away?"

As a bank president, the news he hears the most is that a certain entrepreneur has run away.

Without exception, these people all realize that their business potential has been exhausted, they cannot afford bank loans, and then pack up everything to make money. Li Jimin has to deal with several such incidents every year.     “Not Kairun.”

"Is he here to repay the loan?"

"It's not repayment. He took all the company's technology and asked us for a loan of 100 billion!"

As soon as Ma Tiansheng finished speaking, Li Jimin was also stunned for a few seconds. How could he dare to borrow such a huge loan?

100 billion!

This is working capital!

If a company has 100 billion in liquidity, then its market value is at least billion, or even one trillion!

After thinking for a few seconds, Li Jimin looked at Ma Tiansheng, stood up and said, "Is the news confirmed? Where is he now?"

"Still in Shencheng." Ma Tiansheng responded, and then continued: "Now Fan Zhenhua, the president of Shencheng, will receive him. Do you think we should lend him a loan now?"

"loan?"

Li Jimin shook his head helplessly and laughed at himself: "I also want to borrow money, but that's 100 billion in working capital. We can only ask the Bank of China for this amount. Even if we have it, we can't lend it easily. Bad debts are not something that the four major banks can afford." of."

"Now what?"

Just as Ma Tiansheng was about to ask, Li Jimin had already picked up the landline phone and reported the situation to the president of the Bank of China.

……

When the Bank of China learned that Chen Xing wanted a loan of 100 billion, it immediately held an internal meeting to discuss whether to lend.

"This meeting is mainly to discuss the value of Longxing Technology's patents."

The person sitting in the main seat was a middle-aged man. His eyes were like eagles, and he scanned the entire meeting room with sharp eyes.

"Now Chen Xing wants to borrow 100 billion from commercial banks using patents such as "DSP Multiple Architecture Technology", "Millimeter Wave Signal Directional Transmission Technology", and "Star Flash Fast Charging Technology". I am now seeking the opinions of everyone present."

The words fell.

The middle-aged curly-haired woman on the right immediately shook her head and said in denial: "I don't think the 100 billion loan can be approved because the technology is difficult to realize and the speed of elimination is very fast. Furthermore..."

"I disagree."

Before the woman finished speaking, someone immediately retorted: "Xingflash Fast Charge can withstand the test of the market, and it also involves 5G. Everyone, this is 5G technology. If Chen Xing sells it, let alone 100 billion 500 billion will be robbed, I hope you will consider it carefully."

"Ahua is right. Longxing Technology has been suppressed. If it develops normally, there is no need for Chen Xing to borrow money. I think the 100 billion can be loaned to him."

"I use the Brilliance X1. To be fair, this phone is really good. If it weren't for those gangster sanctions, Longxing Technology Company might have been on par with Apple. Our local companies should support it more."

People continued to speak for Chen Xing.

However, some people start from reality, that is, if 100 billion in bad debts, can they make it back by relying on patents.

If a patent cannot be monetized, it is no different than waste paper.

Both sides began to insist on different opinions, which gradually turned into a quarrel.

"I admit that Longxing Technology's patents are valuable, but only if they can be realized? Take the fifth-generation communication technology as an example. There are also technology patents abroad. If we can't get around their patents, are we just useless paper?"

"If we don't lend, what if he sells it? Let foreign countries control 5G to harvest us?"

"It's impossible for him to sell it. Even if we don't lend him a loan, we can help him go public. If we go public, we'll make money."

"Listing means risks. People have made it clear that they don't want to go public. I have nothing to say to you conservatives. This loan must be borrowed. Isn't the 14 patents approved by the Patent Office clear enough?"

The middle-aged man sitting in the main seat listened to the quarrel between the two sides and gradually adopted many opinions, but he still couldn't make up his mind.

Even Kunpeng Company has never tried to lend so much to a single loan of 100 billion. This is the first time for Longguo.

After thinking for a long time, he knocked on the table and said: "Since everyone has different opinions and the opponents are not sure about the value of the patent, you might as well make a phone call and listen to their opinions before making a decision."

I saw him taking out his pocket phone and first calling his friends in the Communications Department.

No one objects to this plan anymore, because in the final analysis, they are all laymen and do not know the actual value of technology patents.

Not a moment.

The call was answered.

"Hey, President Yu is calling me. Is this a rare visitor?"

"Mr. Meng, I won't be polite to you this time. We have a problem here and I want to ask you for help." The eagle-eyed man turned on the speakerphone and said.

"What problem?"

"Chen Xing is the CEO of Longxing Technology Company. He wants to borrow 100 billion yuan using patented technology, which includes the 14 information and communication technologies he applied for not long ago."

"Can you say that again?!!"

The person on the other end of the phone was not calm at all. A loan of 100 billion for fifth-generation communication technology was so cheap?

The eagle-eyed man thought it was not worth it, so he repeated it again and added the patented technology of star flash fast charging.

After a long silence, Mr. Meng reminded him earnestly: "Let me tell you this, the "Millimeter Wave Signal Directional Transmission Technology" alone is worth tens of billions. This is the core technology of the 5G network, the lowest core. .”

"Also, have you forgotten that now the state supports technology companies, and just by taking out the patented technology of Star Flash Charging, you should understand that its potential value is 100 billion!"

"I…"

The eagle-eyed man wanted to argue. He didn't say no, he just wanted to be cautious.

However, Mr. Meng immediately choked back: "What are you doing? Hurry up and approve it."

"I…"

"Return to you, right? Have you forgotten about Beidou? Isn't it obvious enough?"

"I…"

"You're done, aren't you?"

Every time the eagle-eyed man wanted to speak, he was forcibly interrupted by Mr. Meng. He was in trouble and couldn't express it. He really just wanted to be cautious.

Because the loan of 100 billion working capital is unprecedented.

"I advise you to hurry up. Even if the debt is bad this time, with so much technology recycling, maybe you can continue to take two steps forward before retirement. Do you understand me?"

"Clear."

This time he spoke very quickly, giving Mr. Meng no chance to interrupt.

"Just listen carefully and hang up."

"Okay, Mr. Meng, I will definitely visit you later."

After hanging up the phone, the eagle-eyed middle-aged man glanced around the conference room and said in a deep voice, "Is there anyone else who has any objections?"

"No."

"Nothing."

To reach this position, they all know how to observe words and emotions.

The current middle-aged man in Hawkeye's eyes was obviously very unhappy. It was obvious that he was very unhappy because of the training he had just received.

In addition to the worldly connections, they also captured the key points of "Beidou". They also recalled that Chen Xing seemed to be the button press, and the relationship here was very subtle.

Due to emotions and reasons, they now have no reason to object.

No one had any objection, and the middle-aged man with Eagle Eyes sitting in the main seat also made the decision: "Then let's give the green light for lending, speed up the approval, and simplify all the complicated procedures, do you hear me?"

"understood."

Everyone responded in unison.

……

At the moment when the Bank of China decided to lend money, the news that Chen Xing took the patent to lend money was already known to people in the industry.

The first step was to acquire 16 copycat phone companies, and the second step was to take out patent loans. Isn’t this intention obvious enough?

he! It’s time to really take that step!

Almost at the same time, the green light news was not limited to patents, but covered all aspects of Longxing Technology.

Far away in Shencheng Land Bureau, Lei Bing, who was helping to plan the construction of Paogou Ridge, also received a mysterious phone call, which immediately made him so angry that he dared not breathe.

"clear."

"I'll inform him now."

When Lei Bing hung up the phone and checked the latest approval notice on his computer, Longxing Technology Company was on the list.

"This is!!!"

Lei Bing's eyes widened and he refreshed the computer system several times in succession.

The value is displayed correctly!

Indeed, as Chen Xing said, there is indeed an area in Paogouling, Longgang District that has been allocated to Longxing Technology as land.

But what Lei Bing didn't expect was that Chen Xing would be granted the development rights not for a certain area in Paogouling, but for the entire area!

What is the concept of the entire area?

Just say it!

Longxing Technology Company has the right to develop the entire area of ​​Toogoling, which is over ten thousand acres.

Although it is a poor forest area, it is simply unheard of, unseen, and unheard of to grant such a large area!

Lei Bing has really made up his mind. He has made Chen Xing his friend. If possible, he even wants to be his friend!

(End of this chapter)