Rebirth of the 80s

Chapter 137 [No.148] Want to get a loan?"Lender" first

Pippen scratched his head: "Xie Wenjun, I want to ask you, is the step you said that our company will be able to go public in the future is whimsical, or is there any practical support, I really want to know. "

Xie Wenjun often spares no effort in Pippen, a key training object, and answers every question. He hopes that he will grow up as soon as possible, so he said: "There is no practical support now, but there is theoretical support. You have worked so long. Time's financial software, after reading so many books on economics, you should know the marginal cost, right?"

Pippen nodded, and said confidently, "I know it all too well."

"Hehe, I think you are more confident than I am," Xie Wenjun explained, "You also said just now that the growth rate of netizens in our country is very fast. If we buy online chess and card games, we will use them to attract netizens. With the increase of netizens, the number of people who play our games will also increase, and the number of game members, that is, those who can charge fees, is also increasing, but we don’t need to invest in anything, just one maintenance, one upgrade, and occasional publicity. There is also an increase in the cost of the server, what are these costs compared to the increase in game membership, it is nothing, it can be completely ignored, this is a typical example of using small things to fight big."

"I know this, that's why I devoted myself to this industry. As long as you have the technology, it's easier to start from scratch," Pippen said with the expression of a student asking a teacher, "But... what does this have to do with listing directly? "

"Of course there is." Xie Wenjun got up and poured a glass of pure water from Linxi Mountain Spring, drank it dry and moistened his throat, and was going to brainwash Pippen so that he could thoroughly understand the situation.

Xie Wenjun poured the remaining few drops of pure water in the cup into the ashtray, shook it, and said: "The products of my dad's water factory are now sold all over the country, and the sales volume has been growing steadily, but you know that every time the factory produces a What is the cost of a bottle of purified water? Yes...of course I don’t know the details. How much will it cost to buy new land and build a new factory building? The land factory building is not bad, but the production equipment will be a pile of scrap iron in the future. The benefit has increased, but the increase in benefit is waste This is the drawback of the scale development of traditional industries.”

Xie Wenjun got up again to take a glass of pure water: "The Internet industry is different. How much land can a server occupy? How much resources can it waste? While the benefits increase, it does not waste. This is the advantage of the sunrise industry. There are still few people, and the development is still in its infancy. When everyone accepts it, compared with traditional industries and sunrise industries, water plants and technology companies, who do you think should be listed on the stock market? Who has more prospects for development? "

Xie Wenjun is confident that technology companies can be listed on the market in the future, of course not only because of these theoretical things, there are countless things in the memory of Internet technology stocks that staged "red rockets" in a crazy way, and a rubbish listed company that has been operating in debt for many years just needs to blow its bullshit to the sky Speaking of injecting the concept of Internet technology into the company, Qian Ying'er has not seen it yet, but she transformed into a "red rocket" and launched a "red rocket". My father who speculates in stocks often talks about the "519" market in China's A-share market. Can't these things support Xie Wenjun to take advantage of this craze to make a fortune in this life?

Of course, the crazy bubble of Internet technology stocks in Xie Wenjun's previous life finally burst, but this is not important. Since Xie Wenjun wants to swim in this muddy water, he has a way to avoid it, after all, the experience of his previous life is there.

Pippen was overwhelmed by Xie Wenjun's words. He felt that he was a good bird. He had chosen a thousand-year-old tree and was full of confidence in his future.

On the day Pippen flew to BJ, Zeng Hongzhang called Xie Wenjun, saying that the land of the machine tool factory would be auctioned at the end of the month, but Zeng Hongzhang did not tell the leadership of the machine tool factory that there would be a crematorium nearby. However, they used some other methods. Of course, Zeng Hongzhang, the "secret weapon" of these unscrupulous real estate developers, would not tell Xie Wenjun, and Xie Wenjun didn't bother to know.

Zeng Hongzhang also asked Xie Wenjun to prepare cash checks quickly. If you want to buy land, it is estimated that you need to prepare about 800 million.

The 800 million is just the beginning, and the development expenses will follow one after another in the future. Xie Wenjun roughly calculated the cash he can use at present, and it is only about 1000 million. Most of the 1000 million can only be obtained from Chunyu Entertainment. It was transferred from the limited company.

Linxishan Spring Water Factory is now buying production lines and advertising. There are a lot of fixed assets and intangible assets, but very little cash that can be used; Yibai Convenience is busy expanding nationwide, and the cash flow in the company is of great use. You can't twitch; security companies have just started and haven't produced benefits, let alone technology companies, and the bubbles are still sinking at the bottom of the water.

At this time, Xie Wenjun felt that what he told Pippen to list the technology company was correct. It would be difficult to rely on self-owned funds to support the greater development of the business. If there is no listing and financing, there will be one funding bottleneck after another in the future. The funding bottleneck is too fucking in the way.

It seems that the listing of technology companies is still a matter of the year of the monkey. The current funding gap can only be raised by oneself. If it weren't for Chunyu Entertainment Co., Ltd. that has been making a lot of money, it just wants to buy this land. No money.

After buying the land, of course development is necessary, and development also requires money. Xie Wenjun was thinking about how to squeeze out a little more funds from his subsidiaries, but it seemed that it was not easy. After thinking about it, Xie Wenjun thought of Zeng Hongzhang again. What about Zeng Hongzhang borrowing money?This idea flashed in Xie Wenjun's head and he was vetoed by himself. He had just paid off the favor owed to Zeng Hongzhang, and he owed him money again. Doesn't he have too many conflicts of interest with this unscrupulous real estate developer? The advantage is that it is most appropriate to think of other ways by yourself.

Xie Wenjun thought that the best way for a company to be short of money is to find a bank loan, but now the bank is quite strict on the operating loans of private enterprises, if it is now in the name of the Linxi Mountain Spring Water Plant, it is necessary to go to the bank to talk about thousands of dollars. There should be no problem with the loan, but the loan must be used for the production and operation of the water plant. If it is used to develop a piece of land, the bank will not approve it at all. If Zeng Hongzhang's Tianhe Real Estate is asked to come forward This sum of money is not enough, isn't it the same as asking him to borrow money or owe him a favor.

False accounts?Random reporting?Xie Wenjun laughed to himself, it would be too much of a failure for a person who has been reborn once to play with these low-level tricks, not right, not right.

When Xie Wenjun thinks about problems, he always likes to take some possible things into consideration, and use the method of elimination to choose the most convenient, efficient and effective method. Xie Wenjun suddenly thought of a person——Teacher Xiaotang's mother.

Li Yuling, the wife of a high-ranking city official, is a woman who has seen the world from the kitchen to the hall. She used to be the director of the state-owned flour mill in Linxi City. His waist was injured and he was admitted to the hospital. After he was discharged from the hospital, he had a big regret. He could not work for a long time, otherwise his waist would be unbearable, and sometimes it would be aching when it was windy or rainy. Tang Lianrui felt sorry for his wife and asked her to retire from work. Down, go home and slowly recuperate.

Ten years have passed in a flash, and Li Yuling's waist problems have basically healed during the long recuperation process. She occasionally suffers from a little rheumatism, which does not affect her normal work, but this person has been idle for more than ten years. The flour mill also went bankrupt three years ago. No matter how strong a strong woman has been through such pain and torture, she has been out of touch with society for such a long time. Her husband is a senior city official.

Li Yuling went home and became a full-time wife and full-time mother. She had no choice but to step out of the society and develop her talents. A general job market official can help his wife find it, but he knows his wife's thoughts. , my wife wants to be a strong woman. If she wants to sell things and keep a small account, it is better to let her stay at home and take care of her for half a year. So although Li Yuling has the heart to go to society now, she still does it every day. Raise orchids at home, watch TV, and cook potluck occasionally.

Xie Wenjun heard about Li Yuling's matter from Mr. Tang, and when he went to Mr. Tang's house to eat and chat, he heard Tang Lianrui mention it like a family matter. He had heard it before and sighed, so he didn't take it to heart. Now Xie Wenjun thought of this when he was looking for a bank loan.

Xie Wenjun and Zeng Hongzhang have a verbal agreement at present that he is solely responsible for the funds for the purchase of land and development costs. The land development will be handed over to Zeng Hongzhang’s Tianhe Real Estate. Zeng Hongzhang does not need to pay a penny. Zeng Hongzhang accounted for 51%, but now it involves finding a bank loan, so this kind of cooperation method has to be changed.

Xie Wenjun now wants to set up a shell-like real estate development company by himself, and use the name of this real estate development company to directly negotiate loans with the bank. After the negotiation is completed, he will contract the land development project to Zeng Hongzhang's Tianhe Real Estate to do the development. The cost is still paid by Xie Wenjun's new real estate company, Zeng Hongzhang still does not have to pay a penny, and still accounts for 49% after the work is over.

The purpose of Xie Wenjun's doing this is not to want to deal with the bank in a roundabout way. If he talks about a loan with the bank in the name of Linxishan Spring Water Plant or other companies, what if the land is not enough to develop the land, and he has to think about it. If there are many twists and turns, it is better to directly discuss the loan for the development of the land in the name of the new real estate company, and the bank will pay it one by one until the completion of the project.

In this way, although it is more difficult to negotiate a loan, the follow-up troubles and problems are much less. Of course, whether the bank approves the loan for land development to a newly established real estate company without any performance support mainly depends on the It depends on Mr. Tang's mother, Li Yuling, and Mr. Tang's father, Tang Lianrui.

After Xie Wenjun made up his mind, he told Zeng Hongzhang. Of course, Zeng Hongzhang was happy to contract the land development project, and he also offered to help complete the procedures for the new real estate company, so that he could earn an extra project fee. ,Why not do it.

Tan Hui, the veteran who handles the establishment of the new real estate company, also saves a lot of trouble. It is just a shell company.

While the procedures of the real estate development company were still being approved, Xie Wenjun brought his mother Cao Yunfang to the house of Tang Lianrui, a senior city official, for dinner.

Xie Wenjun had already told his parents about buying land and looking for a bank loan for development. Xie Qingqiang heard his son say that the loan might be tens of millions, and he felt a little uncertain. The water plant had to be sold to pay off the debt. Although Xie Qingqiang was a little worried, he still agreed with his son to do so.

Who is the son? Since his son started to do business, when did he lose money? Didn’t he always make a fuss? Now his son wants to engage in real estate again. For Xie Qingqiang, who had been a junior section chief in the factory for half his life, it was very tempting.

The mother Cao Yunfang is completely on the side of her son. He can do whatever he wants to do. If he loses money, he will sell the water plant to pay off the debt. Anyway, the water plant was built by his son and belongs to his "private property". No right to interfere, including myself and my husband.

This time, Cao Yunfang and her son came to Tang Lianrui's house, a high-ranking city official, to have dinner together, because she wanted to have a good time with Li Yuling, and bring this unwilling "formerly strong woman" to the newly established real estate development company, as if she was a consultant. Leisure job - manager of real estate development department.

If it succeeds, the wife of a high-ranking city official will personally help negotiate the loan. The bank will still have to show some face, not to mention that his son's "land development plan" is an absolutely good plan with great potential for development. The bank's professional People in the city will definitely evaluate it carefully in the face of senior city officials. In this way, the loan is still easy to grab?Of course, these things were all instilled by Xie Wenjun to his mother Cao Yunfang bit by bit.

"Xiaojun, do you want to buy something more?" Cao Yunfang asked this sentence when the car drove into the gate of the municipal party committee's compound in the car of her son who was "driving without a license".

Xie Wenjun smiled and said: "Mom, you didn't tell me earlier, are you going out to buy it now?"

"Uh... I just remembered, so let's go out," Cao Yunfang looked at the "gift" she had brought, and sighed, "I'm afraid these things are everywhere in the official's house, so let's..."

Xie Wenjun interrupted his mother, and said with a smile: "No need, Mom, I was joking with you. You have brought so many things here, which already constitutes a minor bribe, and if you buy it again, it is a serious bribe. Since you want to Serious bribery... we can just discount it to others, so we don't have to go out and buy it, hehe."

Among the gifts that Cao Yunfang brought on her own initiative were three bottles of Moutai and Wuliangye, two bottles of Remy Martin brought back from Hong Kong by Ma Dekai, two bottles of Louis XIII, five each from Zhonghua and Yuxi, and one that she and Xie Qingqiang traveled to Singapore. The commemorative platinum necklace bought at the time was going to be given to Li Yuling.

When Xie Wenjun saw his mother carrying so many things just now, he hurriedly stopped him. He knew what kind of person Tang Lianrui was. You brought him a bottle of wine to drink and chat with him. He was very happy. You have to bring so many things to absolutely I was rejected, but my mother was very stubborn on this issue and insisted on bringing the "gift". Anyway, things must be given, so let's talk about being rejected.

Cao Yunfang gave her son a blank look: "A gift, it's not worth much, it's not a bribe, it's not as exaggerated as you said."

Are so many things worthless?Not counting bribes?Then it is really worth giving real money, and it is considered a bribe. Xie Wenjun shook his head and said with a smile: "Okay, okay, what my mother said makes sense, let's talk about it when I get rejected."

Tang Lianrui was very happy to receive a call from Xie Wenjun. Xie Wenjun said bluntly on the phone that he would bring his mother to have a meal. Tang Lianrui was of course very welcome. He had long wanted to thank Linxishan Spring Water Plant for taking the lead in donating money to divert water for the Zhangyuan River. Donate money to the water supply project, but there has never been a suitable opportunity. Xie Wenjun's phone call gave Tang Lianrui this opportunity. It's a pity that Xie Qingqiang, the head of the Linxishan Spring Water Plant, didn't come, otherwise I really want to have a good chat with him What Tang Lianrui appreciates the most is this kind of self-made private entrepreneurs.

These few bottles of wine alone were heavy enough, Xie Wenjun drove the car directly to the small open space in front of Tang Lianrui's house, then brought the "gift" to the door, and rang the doorbell.

The person who opened the door was Xiaofeng, the little nanny of the senior city official's family. Xie Wenjun came several times, and Xiaofeng was already familiar with him, so she helped carry the "gift" into the house.

Teacher Xiao Tang was watching a video in the living room. Seeing that Xie Wenjun came and brought his mother with him, he felt a little strange. He thought that my father only told me that Xie Wenjun was coming to eat again, but he didn’t say that he brought his mother.

Teacher Xiao Tang met Cao Yunfang a few times when Xie Wenjun held the parent-teacher meeting, but Cao Yunfang had never met her, and wondered how he would introduce the current relationship between himself and Xie Wenjun, in case this kid suddenly came to a big confession. What if the relationship between the two is broken, Teacher Xiao Tang secretly worried.

If there were no bank loans and finding Li Yuling to join a real estate company, in the environment of Mr. Tang's house, both parents were present except for his father, wouldn't this be male and female friends "meeting their parents", Xie Wenjun would I really have the urge to break the relationship between the two.

(To be continued, if you want to know what happens next, please visit www.CMFU.COM, more chapters, support the author, support genuine reading!)
(End of this chapter)