Chapter 110 After ten years of bank lending, the scalper team came to apologize
After Fan Zhenhua took all the materials and certificates, he quickly held an emergency bank meeting to calculate the value of the collateral.
At the same time.
He also asked for instructions from the Imperial Capital Headquarters.
Discuss how much money can be borrowed for 200,000 square meters of wasteland mortgage.
While the commercial bank was calculating the total value of wasteland, Chen Xing was sitting in the president's office, drinking tea leisurely.
The value of 200,000 square meters of wasteland is not calculated based on the land value, but based on the value after completion.
In addition to submitting the corresponding documents, Chen Xing also provided the base planning map.
If it is built according to the plan planned by the Fan brothers, the final investment will definitely be one billion, and may even exceed 1.3 billion. After all, this is not a simple headquarters base, it is an ecological park, including businesses and hospitals. garden.
In addition to the value of the wasteland itself, Chen Xing himself and Longxing Technology Company also have corresponding values.
Banks know how to look at people's orders.
They not only have to consider the value of wasteland, but also the development potential of Longxing Technology Company, evaluate Chen Xing's assets, and calculate the patent value of Star Flash fast charging and Qingzhou chips.
To put it simply, banks are really not afraid that companies will not pay back their money.
Even if the money is really not paid yet, it is very rare for a bank to lose money if it should be frozen, sealed, or auctioned.
In addition to bank mortgage loans, Chen Xing actually has two options.
One is to let investment institutions enter the market.
With the current development potential of Longxing Technology, it is a big fat sheep in the eyes of venture capital institutions.
Star Flash fast charging, Kaitian baseband chip, and 14nm Qingzhou processor are enough for them to go crazy.
Not to mention the sub-brands such as Longxing series and Bright series, which are all subsidiaries with brand value.
Once Chen Xing opened his mouth and said that venture capital institutions would be allowed to enter the market, no need to think about it, there would definitely be a lot of "hungry wolves" coming to the door, wanting to carve up the equity of Longxing Technology.
Venture capital institutions are not stupid, and they are not as wealthy as banks. They often use company equity in exchange for funds.
As for the second way, that is to go public.
Once the company is listed, it means financing to all the public, and all investors can become shareholders of Longxing Technology and become a public company.
Listing is often accompanied by risks.
Employment of rights, company seizure of power, and restricted decision-making will basically appear in listed companies.
Longxing Technology has been able to develop steadily not only because of its excellent patented technology, but also because it had an absolute controlling stake of 67%. This equity can make other shareholders think nothing of it.
You can make suggestions, whether I accept them or not, that’s my business!
This! That’s 67% equity!
Now that Chen Xing has recovered all his shares and controls 100% of Longxing Technology, it is impossible for him to delegate power and let others intervene in the development of the company unless it is absolutely necessary.
So he chose the bank mortgage loan without even thinking about it.
...
In the commercial bank, after half an hour of intense discussion, Fan Zhenhua walked into the office with documents in hand.
"Mr. Chen, you've been waiting for a long time." He sat down with a smile, handed a document to Chen Xing and said, "How about this quota?"
Chen Xing nodded slightly and picked up the Look at that document carefully.
After ignoring most of the terms, he found the final loan limit, which was a total of 1.5 billion. The areas of annual interest rate and loan cycle were still blank.
“The quota of 1.5 billion is the result of our comprehensive consideration of the total value of wasteland construction and the potential of Longxing Technology. Of course, if Mr. Chen is not satisfied, we can talk about it again.”
Fan Zhenhua said with a smile.
Hearing that they might talk about it again, Chen Xing was not polite and asked along the way: "You mean there is a higher loan limit?"
Fan Zhenhua smiled and said, With cunning eyes like an old fox, he nodded and said: "If Mr. Chen can use the patent of Star Flash Charge as collateral, the vice president of our headquarters has said that there is room for the loan amount to increase."
< br>The Star Flash fast charging patent turns out to be for this purpose.
Is it possible for Chen Xing to agree?
Of course it is impossible to mortgage.
Not to mention that he does not need so much money, even if he does, he will not use the patent as a mortgage. This is the foundation of his foundation. It is impossible to mortgage the patented technology until he is in a desperate situation.
Chen Xing smiled faintly, shook his head and refused: "1.5 billion is enough. Let's talk about the annualized interest rate and loan cycle."
"Okay."
Fan Zhenhua didn't have high expectations either. He moved next to Chen Xing and continued to ask: "How long does Mr. Chen want to borrow for?"
"Ten years."
Chen Xing said without thinking.
The longer the bank loan, the better. The repayment pressure does not need to be so great, and it can beat inflation.
"In ten years, we can offer an interest rate of 5.5%. What do you think?" Fan Zhenhua said with a smile.
Chen Xing immediately showed his displeasure and asked: "Is the annualized interest rate of 5.5% what a large loan should have?"
Just after he finished speaking, he added: "The one across the street The bank is not that outrageous. President Fan can stop joking."
Although Chen Xing's tone was gentle and there was a faint smile, every word was highly negotiable.
The words "that bank across the street" tell Fan Zhenhua that commercial banks are not the only ones, and there are many banks that can replace it.
“Haha!”
Fan Zhenhua laughed awkwardly and said quickly: “Just kidding, Mr. Chen, don’t take it seriously. In fact, we can give 4.5% here. This is definitely This is the lowest interest rate for large loans in Shenzhen and even Longguo."
He didn't have time to verify Chen Xing's words, because the initiative was not in his hands.
They came with 200,000 square meters of land and the endorsement of Longxing Technology Company. Even if commercial banks did not lend, many banks rushed to give Chen Xing a loan.
With collateral and a profitable company with extremely high net assets, how could a bank that specializes in looking at people’s orders not know what to do?
“How much do you pay each month?”
Chen Xing looked at the computer on the desktop and said.
Fan Zhenhua also understood what Chen Xing meant and quickly calculated: "Suppose P is equal to the loan amount, M represents the monthly repayment, and it is calculated according to the equal principal and interest repayment method. We put the formula M=P×[r /(1-(1+r)^(-n))], r is the monthly interest rate, n is the total months..."
After a lot of calculations, he calculated the monthly repayment amount and said: "You need to repay 15.55 million per month. Of course, you can also pay annually. In one year, the repayment is 186 million. What do you think, Mr. Chen?"
After Fan Zhenhua's calculations, Chen Xing also knew it. How much interest needs to be paid.
The 1.5 billion loan will require repayment of 1.86 billion in ten years, which is equivalent to a total of 360 million repayment in ten years.
From September to December, Longxing Technology's revenue exceeded 800 million. If development investment is included, it earned at least 1.4 billion. Chen Xing can still afford this interest.
The key is ten years, and as long as this period of time passes, Longxing Technology and Loongson International will form a rivalry, and the localization of semiconductor chips will be closer and closer.
If chips are domestically produced, the market will be in the trillions.
“Okay, when will the loan be released?”
Chen Xing expressed his willingness to cooperate.
Fan Zhenhua was so happy that he couldn't hold back his lips. He smiled quickly and said: "In seven working days, fifteen working days at the latest, the money will be transferred to your company account."
"Okay, draft a contract. Right."
Chen Xing nodded.
Fan Zhenhua had no ink, so he immediately called his lawyer. At the same time, Chen Xing also called his lawyer to check if there were any pitfalls in the contract.
After confirmation by the lawyers of both parties and reconfirmation by Chen Xing and Fan Zhenhua, the two parties also officially signed the contract.
“It’s a pleasure to work with you, Mr. Chen.”
Fan Zhenhua is already happy because this year’s performance appraisal has been overfulfilled.
As soon as he finished speaking, he immediately walked to the door and shouted towards the lobby manager's office: "Aqiang, go and get some 5,000 yuan gas cards for Mr. Chen, and some more shopping cards. . ”
Whether it is a large deposit or a large loan, the bank will give gifts.
As small as peanut oil and rice, as large as gas shopping cards, there are even gifts of TVs and laptops, just to attract more customers to make large deposits or loans. "Okay, President."
A moment later.
The lobby manager quickly brought gas cards and shopping cards.
Chen Xing did not refuse, he was about to pay hundreds of millions in interest, and he deserved these gas cards and shopping cards!
......
After leaving Shencheng Commercial Bank and getting a loan line of 1.5 billion, Chen Xing could feel relieved a little.
Money is a man’s confidence. Without money, nothing can be done. This is the importance of primitive accumulation.
"The sky is blue and waiting for the misty rain~"
Chen Xing just got into the car and fastened his seat belt. The cell phone in his pocket suddenly rang. He took it out to check the notes in his address book. He was the front desk clerk of the company. My sister called.
“What happened?”
He pressed the answer button.
The girl at the front desk: "President, there are some young people coming to the company. They say they are scalpers and want to talk to you."
"Young young scalpers?"
Under Mi Xiang's pressure these two days, Chen Xing had forgotten about this.
He also roughly guessed what these scalpers wanted from him, and replied calmly: "Let them wait, I will be back soon."
Half an hour later.
Chen Xing returned to Longxing Technology Company.
When he walked into the front lobby, he saw the leader Hu Xiong at a glance. He was the older of these young men.
"Chen...Mr. Chen."
Hu Xiong trembled, his eyes evasive.
He was a scalper who made money by buying the Longxing X1 at a low price and selling it at a high price. He also set his sights on the brilliant X1 mobile phone and wanted to do the same thing, but was rejected by others.
To dare to come to Longxing Technology Headquarters now is really a bit too bold.
“Aren’t you afraid that I’ll call the police and arrest you?”
Chen Xing smiled lightly.
“Alas!”
Hu Xiong sighed, shook his head and said: “With Mr. Chen’s style of doing things, it shouldn’t happen. Even if it does, I will admit it.”
He Now I have no choice but to drop the brilliant X1 phone in my hand. In the past few days, I have only sold over a hundred units through various channels, and I have also been extorted by merchants.
Two days ago.
Hu Xiong thought he had found a sales channel, and the store owner agreed to sell the goods for him at a price of 4,500 yuan.
Unexpectedly, after confirming that it was a genuine brilliant X1 mobile phone, the store owner had malicious intentions and directly lowered the price to 2,500 yuan per unit.
2,500 yuan per unit, Hu Xiong definitely disagreed. As a result, the store owner immediately turned his back and threatened that this was the fake phone that Longxing Technology’s official blog said in the official blog. They were the team that sold fake products, and they wanted to call the police and arrest him and send him to jail. .
Obviously.
The store owner saw that he was a scalper.
Buying and reselling in Dragon Country is illegal. Although it is not punishable by imprisonment, according to the "Long Country Price Law", it is clearly stipulated that illegal gains from buying, selling and manipulating the market will be confiscated.
One unit costs 2,500 yuan, and each unit will cost almost 3,500 yuan. Hu Xiong thought about it all night and made a choice. He thought about losing money to avoid disasters, but he did not expect that the store owner saw that he was easy to handle and lowered the price. When it reaches 2,000 yuan, if it works, help sell it. If it doesn’t work, notify Longxing Technology’s legal department and call the police. He has Hu Xiong’s identity information.
With no other choice, Hu Xiong could only think of going to the house to admit his mistake.
“Go up and talk.”
Chen Xing was also interested.
This group of scalpers was different from what he expected. They were all young people, and there was even a very sick dwarf.
While he was thinking about it, a blue panel flashed in front of his eyes.
[Name]: Jiang Ce
[Type]: Network technical talents
[Qualification]: Jin (can grow)
[Character]: Introverted (because of low self-esteem and introversion , the Internet is everything to him, and network technology has improved significantly)
[Main direction]: computer network technology, software design, virus writing...
[Loyalty]: 0
< br>[Monthly salary]: 0
[Special entry]: Not activated yet
[Special status]: ALS (motor neuron disease, the cause of ALS is still unknown) It’s unclear. There are only 20 days left in the current life span. You need to go to the hospital for treatment in time to slow down the speed of neuron disease. The complete cure plan: implant a brain-computer interface to continuously activate motor neurons)
"!!"
The surprise in Chen Xing's eyes flashed away, and he continued to lead the way calmly, but there was already a storm in his heart.
Golden quality can grow, which shows that the dwarf, who is less than 1.65 meters tall, has the potential to become a red quality talent!
Network technology talents are still of golden quality.
No wonder he was able to place orders for the brilliant X1 mobile phones in batches. Chen Xing was a little skeptical as to whether he had any help in the Taowu.com server crash.
If there is...
Then this kid is a bit scary.
However, he currently only has 20 days left to live, and he doesn’t know how long the hospital can extend his life. If it can be delayed for a year and a half, maybe Longxing Technology’s brain-computer interface can really be implanted.
The upper limit of red-quality talents is still in computer networking. Chen Xing has already started thinking of taking him under his wing.
……
Come to the president’s office.
Chen Xing also made them a pot of tea and sat down to talk slowly.
"Tell me what you think."
Hu Xiong knelt down without saying a word and quickly raised his voice several times and said: "Mr. Chen, we know we were wrong. I really shouldn’t push the envelope and put my idea into your brilliant X1 phone. Please let us go.”
“Plop——”
“Plop——”
The four or five young people who arrived knelt in front of Chen Xing one by one and apologized constantly.
“That’s wrong, Mr. Chen. We were really wrong. We were obsessed with it.”
“Please let us go.”
“Mr. Chen, please. Please..."
Chen Xing sighed. These people looked to be only eighteen or nineteen years old. They must have paid a heavy price for the Mianciancan X1 mobile phone, otherwise they would never have so much money.
"Let's talk about it when we get up, there's no need."
The words just finished.
Hu Xiong took all the responsibilities, looked at Chen Xing and said: "Mr. Chen, we are really obsessed with this time. We shouldn't be focusing on the brilliant X1 phone. Please give us a solution and we will return the phone to you. Okay?"
"Oh?"
Chen Xing was surprised and continued to emphasize: "Let's talk first, I don't like to talk with my head down."
Several young people looked at each other, but it was the leader Hu Xiong who stood up before they dared to stand up. Now they are walking on thin ice.
Offline store owners want to call the police, Longxing Technology also said to call the police, and some people online also called the police. They are really like rats crossing the street, everyone wants to beat them up, and everyone wants to blackmail them.
Once caught, although there will be no sentencing, disrupting the market and confiscating illegal gains will be fatal enough.
In order to buy the Miao Cui Can X1, each of them took on dozens or even millions of debts. Hu Xiong even had his house and car in debt. He also asked relatives and friends to borrow millions. Confiscation is illegal. There is really no difference between the income and the sentencing.
If they could go to jail without having their illegal gains confiscated, they would be willing to go to jail, and they would still have money after serving the sentence.
Otherwise, in your early twenties, with millions of debts on your back, what hope would you have in life?
Expect your parents to pay you back?
If you have the ability, you can.
But if parents are unable to repay even a foreign debt of 500,000 yuan, how many years does it take for an ordinary person to save money on food and drink before they can pay it off?
(End of this chapter)