Building madman

"Cooperation is second. At present, the main problem is that Tiancheng's commercial credit has been seriously overdrawn, 3+2+2, with a total loan of 700 million yuan.

In Tiancheng’s financial report last month, total assets were only 150 million!

Debt ratio = total liabilities and total assets x100%, 467%!

Insolvency, one time can be used for turnover, two times can be borrowed, three times are risky, four times are taking risks, and five times are to be finished!

Why don't you apply for another branch?"

Hearing the serious nonsense of ICBC leaders, Ge Xiaotian pouted his lips, turned and walked down the high slope, took out the document bag he carried with him from the car, and turned out his mobile phone.

At this time, Comrade Ge Feng started the Big Golden Cup, "Xiaotian, let's go to your second elder, third elder, and a few uncles, and come back to pick you up before noon!"

"it is good!"

Ge Xiaotian responded and called Director Sun to let the other party rush over as quickly as possible.

Insolvency and inability to repay are completely different things.

According to Tiancheng's existing projects and future plans, the bank did not take too much risk, otherwise it would not come to the door to lend.

In the new year, a new beginning, plus the issuance of red notes, major banks have the task of lending.

In December last year, the other party completed the loan task, even with the help of Xiang County leaders, the 50 million loan was delayed again and again.

After New Year's Day, the second 300 million loan was quickly approved.

Today, Xingyuewan Phase II is 200 million yuan, and Jinxiuchuan University Town is 200 million yuan. It seems that there are local shadows, but in fact, it may be the bank's own initiative.

As for the meaning of what the other party said...

I just want to show that Tiancheng can get the loan because of its own strength. Your second uncle wants to borrow 50 million. I am afraid that he does not have this qualification. It is better to put the loan on your other branches.

Gee!

What a good plan!

I want to complete the task, but I don’t want to take any risks. I also want two separate office buildings...

Really, Ge Lao Er is a young man?!

It's time to show true strength!

150 million?

As a serious developer, as a leader in loans and loans, as a man with golden fingers...how can you only have such a small amount of assets after working for three or four months?

I look down on people too much!

…………

Director Sun arrived very quickly, riding a heavy locomotive that Brother Hao hadn't driven in a long time, dragging a long string of billowing smoke.

"boss!"

"All the materials are ready?"

"It's all inside!"

"Well, hard work!" Ge Xiaotian took the folder and flipped through it roughly. "Leader, let's talk about 3+2+2, the three hundred million sports center special loan, of which one hundred million belongs to the mortgage loan. It is the engineering machinery and construction qualification of Tiancheng Company. Right?"

"Correct!"

"The remaining 200 million is a credit loan! The two hundred million of Xingyuewan Phase II has not yet been approved. Jinxiuchuan University Town has 200 million. It needs to wait until the establishment of Jifutian Ingredients Company. This is all right. ?"

"Yes!"

"If 2+2 is removed, and then 100 million yuan in mortgage loans, that is to say, Tiancheng currently only has 200 million yuan in credit loans!"

"This...little god, we can't do this calculation!"

"Wait a minute, let's stroke it first!" Ge Xiaotian opened the folder again and turned to Commercial Street, District D, Xingyue Bay, Xiang County, "Leader, this is an asset under Tiancheng. Check if the number is correct!"

Bank staff gathered around, "The office building in Xingyue Bay District D, Xiang County, has a total construction area of ​​37,000 square meters, valued at 98.14 million, and there are also 75 sets of commercial street shops, valued Five thousand five hundred and fifty thousand. A total of one hundred and five six hundred and ninety-nine million!"

"This is one of the assets that have just been integrated. How much can I borrow?"

"This..." The ICBC leader was silent.

Ge Xiaotian turned to the second page, "The landmark buildings of Xiangxian County: Crescent Moon and Square! Now this is a prime location, with primary and secondary schools to the south, Xinyi Middle School of Xiangxian to the north, and no planning on the west (left to Shangpin Jian Workers, the other party did not come). Now it has been bought by the county hospital, and the future value-added space is still very large! At present, the average price here is 31,000 square meters (commercial), the total construction area is 7,600 square meters, and the value is about 2280 One hundred thousand."

page three.

"I don't know if your bank accepts a mortgage loan for an underground parking lot with property rights? I have 5,000 parking spaces here, which are under construction. After completion, they will only rent but not sell! The total value is about 10 million yuan."

There are very few car purchases these days, and the parking spaces are definitely worthless. Each is only 2,000 yuan. If you put it in ten years, it is estimated to be more than ten times.

Fourth page.

"I believe everyone has also heard that when Tiancheng won the sports center project, it was a bid negotiation. Tiancheng and the city each gave half of the total investment. Tiancheng has the right to operate for 30 years. I don't know if it is possible. Take a loan? At present, the basic items of the UFO Stadium have been completed, and it will almost be completed in October! Is it difficult to estimate the value of the operating rights, but a project worth 2 billion, calculated on the basis of 100 years of construction age, 30 years How come the operating rights are worth six billion yuan?"

"No, you can't count it like that!" The bank leader immediately became anxious. Can the sports center make money?!

"Wait a minute, let's finish talking!" Ge Xiaotian turned to page 5. "Everyone in the public transport system must also know that there are five lines, a total of fifty travel civilization, fifty intercity pioneers, and twenty. Get rich and get out of poverty, as well as thirty passenger buses purchased earlier, a Daewoo bunk bed my second uncle drove away. The buses are not cheap! Look at the imported assembled buses that Jishi bought, 90 each It's more than ten thousand, and my cars are so durable, powerful, and long-sized, equipped with air conditioning, and sitting far away. Why do they cost one million?"

"Why I heard that it only cost twenty..."

"That was a long, long time ago! Now this kind of purely domestically produced high-end car is rare in the entire China!" Ge Xiaotian felt a little hot, pulling open the down jacket, loosening the collar, "Come, let's look at the purchase order and invoice. !"

Many parts of the bus need to be imported, and the price is expensive. When assembled, each bus is comparable to a tiger head. This is why many places prefer to buy a few more minibuses instead of buses.

The purely domestic bus that the Ministry of Machinery relied on the Great Liberation to transform, although cheap, is really ugly...no, it's too domineering!

Can't sell it at all!

When the auto factory was facing bankruptcy, it bit the bullet and took orders for fifty "ugly monsters". Now that the operating conditions have improved, it is natural to adjust the production line.

However, Tiancheng's orders continued to flow, accumulating to more than two hundred vehicles. For the sake of money, Jiefang decided to optimize the ugly monsters and turn Guan Gong into Diaochan for public sale.

Named: Intercity Pioneer!

But'saying' is one thing, and'doing' is another.

Optimization, how to optimize?

Replace the low-entry bus dedicated chassis, adopt super-safe front and rear axles, add hinged discs with extremely low failure rate, replace super-compatible gearboxes, and introduce electronically controlled hydraulic power steering systems...

At the current level of China's automobile manufacturing industry, all these things need to be imported.

But in this way, what is the difference with imported and assembled buses?

As a result, Tiancheng went out again!

engine?I have it!

Front and rear bridge?I have more advanced ones!

Gearbox?What do you want?

Hydraulic shock absorber?Hydraulic power steering system?Take a look at the design drawing of the Lotus Gymnasium!

Articulated plate?Wait, I'll buy an imported bus and go back to tear down and research!

As a result, Jiefang and Tiancheng Machinery Department launched a comprehensive cooperation, and because Tiancheng also wanted to enter the automobile manufacturing industry, the two parties once again reached a strategic partnership.

At present, Tiancheng provides technology for buses, and Jiefang is responsible for production!

And the selling price...

The ordinary type is 600,000, the lengthened type is 900,000, 16 meters, 18 meters, and 1.1 million with hinged plates!

All are lower than imported cars, ranging from 300,000 to 500,000!

Selling to Tiancheng is definitely a cost, but when Director Sun bought the S600, he failed to learn and performed some operations for the benefit of the company.

For example, every bus is purchased according to the external sales price, invoiced normally, 1.1 million yuan, and the liberation side calculates the profit, and then uses it as a dividend of Tiancheng's technology stock, and then returns it to Tiancheng...

Well, it is still the cost, and a few more taxes have been paid, but the invoice of the bus has risen from the cost price to the external sales price of 1.1 million, but it is not a "false opening", it is legal, and Tiancheng's assets have been increased.

Originally, Ge Xiaotian didn't care about this. Some time ago, Director Sun integrated the company's accounting affairs, prepared to upgrade the construction qualifications, and listed the total assets of the public transportation system. He was shocked on the spot.

Not counted as the Tourism Civilization (running the countryside), nor the acquired buses, but only the Intercity Pioneer (running the city). The second batch of 50 vehicles, the 50 vehicles on the road, and the 100 vehicles that have not yet been produced. Vehicles... Two hundred million!

In addition, ten S600s, eleven big golden cups...

"All together, it's almost 300 million. How much can you borrow?"

The ICBC leader scratched his head subconsciously, "Wait, I'm a bit messy, let's smoke a cigarette!"

"Don't, wait for me to finish, there is more!"

Ge Xiaotian first opened the sixth page, "At present, Tiancheng has 30 million cash, 20 million unpaid pre-sale payments, 10 million contract payments, 8,800 mu of land, 59 patents, and 35 trademarks. , Architectural Design and Research Institute, Mechanical Design and Research Institute, and High-tech Materials Research Center... Next month’s financial statement, Tiancheng’s total assets are 1.327 billion!"

There is no need to falsify the total assets. Before the loan is approved, an asset evaluation needs to be carried out. The authenticity will be known by checking.

The ICBC leader frowned and lit a cigarette, "Just tell me, how much do you want to borrow?!"

Ge Xiaotian smiled suddenly, put down the folder, "First grant my second uncle a 50 million yuan, let's talk about Tiancheng's loan in detail!"

"Hey!" The ICBC leader also smiled, waved to the staff, motioned to take out the materials, "50 million? OK! But, cooperation?"

"Fruit forests, or greening bases, in addition to cultivating fruit potted plants, they also raise some cows, squeeze some juices, and produce a batch of green and pollution-free fruit pulp and nuts. A batch of nutritious fish will also be raised in the Erdi River.

According to science, moderate intake of meat, eggs, and milk can help brain development and improve IQ.Nuts, especially walnuts, are rich in unsaturated fatty acids with great nutritional value and health benefits. Long-term consumption can nourish the mind, replenish the brain, moisturize the skin, nourish the skin, and strengthen the body!

At that time, not only Tiancheng employees, but also the children in the university town will become smarter. Let’s work together. We will definitely deliver these kinds of nutrients to your bank for free. We will settle accounts and count money all day long. It’s tiring, so make up for it. What a disadvantage!"

"indeed!"

"So, the interest will be waived!"

"Ok?"

"It's a happy decision! By the way, please help me to take a short video when the time comes. It is our bank staff holding walnut milk, walnut kernels, fruit juice and so on. Here is the last sentence: I drank such an excellent drink, everyone. It will be so good!"

"Puff..." Seven or eight bankers instantly smiled.

These years, working in a bank, but a decent person, is also a high-income group.

Looking for them to advertise is definitely more effective than other celebrities and foreigners.

ICBC leaders pondered for a moment, "The scope of supply? Is it limited to the Jishi head office, or does it include all regional branches?"

"It must be all included!"

A loan of 50 million yuan, paid in two years, and addicted to drinking free drinks, two years later...hehe, either pay for it or lend again, otherwise, who will care about you?

ICBC leaders seem to have not thought that in this regard, bank treatment is also a large expenditure. The ability to exchange interest for benefits and complete the task of lending is the best of both worlds.

"Then, how much is Tiancheng going to borrow?"

Ge Xiaotian handed the folder to Director Sun and opened his portable file package, "I wonder if the leader has heard of Xixiang?...We have been there before, but on the day we walked many, many roads, we went to worship Ranzi first. Go to Daqingshan to explore the remains!"

"Oh! Come to think of it, there seems to be your Gejia Village in Xixiang, and even Zulin in many villages in Sancha Township!"

"Yes, yes! It's vast, right?"

"Not smaller than Nanwa!"

"Yeah! There is an ancient battlefield. I have fought devils. It is also the main battlefield of the Southwestern Shandong Campaign!" Ge Xiaotian unfolded a material, "My third uncle wrapped a vegetable shed over there, ready to build our northern vegetables... eh? Leader, don't go!"

………………

Approaching noon, Comrade Ge Feng drove back in a big golden cup full of mud.

"Where are they?"

"I asked Lao Sun to take them to the Guyue Hotel to rest, and call Ding Hao, Xiao Huang, and the second uncle and the third uncle at noon to have a rest!"

"Are you not going?"

"It's the same whether you go or not!" Ge Xiaotian pulled the co-pilot away and sat in, "Go, take mom to go shopping!"

The reason why I left at 7 or 8 today was to finish walking with relatives early, and at noon to go to the Guyue Hotel in Xiangxian County, call Li Xiuxiu to be extravagant, and then take my mother to Xingyue Bay for a tour to buy some clothes and some melon Fruit snacks, buy some new year goods, get a haircut by the way, or else get a haircut in the first month...

Ge Feng started the Big Golden Cup, changed directions, and went to Xiguan, Xiang County, "How much did you borrow this time?"

"One billion!" Ge Xiaotian is not afraid of his father at all. He had already written out Tiancheng's plan for the next five years. After reading it, the old man froze for more than half an hour, and finally decided not to accompany his second son. played.

Of course, it cannot be ruled out that Comrade Ge Feng wanted to steal the idea of ​​his second son and went to the northeast to do it himself.

"so much?!"

"The two-billion-yuan special loan from Jinxiuchuan and the two-billion-yuan loan from Xingyuewan Phase II are too restrictive, so they can only get those two! Now that the two loans are cancelled and replaced by one billion, the nature of the loan has changed. , Tiancheng can use the money to do other projects instead of being restricted to a certain project."

"So, Tiancheng is going to enter Wenxian County next step? Giant County? Hometown of Garlic?"

"Yes, first take down all the low-end markets, and then connect to each other with the bus system to cover the mid-to-high-end markets!"

"Tsk tut!"

"Also, tonight, the leader of Shaobaitou helped to match up and get to know Sun Paper. He has made it clear before that the other party is in financial difficulties, one billion is in hand, and he takes the opportunity to grab some shares..."

Comrade Ge Feng took a deep breath, "Are you really my son?"

"Perhaps it was picked up from the trash. I have found someone to calculate, and they said that I am the reincarnation of the God of Wealth..."

"What nonsense!" The mother sitting at the back was immediately unhappy. "This bear boy's mouth has never been passed by. It is estimated that the fortuneteller is also a black-hearted blind man. If you give more money, you can pick it up!"

"How is it possible? The other party is not blind at all! I secretly took money from his money tank, and he can see through the sunglasses!"

"You have become a big boss, can you be a little prosperous?"

"The money of the liar, don't take it for nothing!"