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

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

Debt ratio = total liabilities / total assets x 100%, 467%!

Insolvency, one time can be turnover, twice as much can be borrowed, three times as risky, four times as risky, five times as much to play!

Why don't you change branches and apply?"

Listening to the serious nonsense of the ICBC leaders, Ge Xiaotian pursed his lips, turned around and walked down the high slope, took out the document bag he was carrying from the car, and took out his mobile phone.

At this time, Comrade Ge Feng activated the big gold cup, "Xiaotian, let's go to your second master, third grandfather, and a few uncles' houses first, and come back to pick you up before noon!"

"Good!"

Ge Xiaotian responded, called Director Sun, and asked the other party to come over as quickly as possible.

Insolvency and insolvency are two different things altogether.

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

A new year, a new beginning, and the issuance of red banknotes, all major banks have the task of lending.

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

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

Now the second phase of Xingyue Bay is 200 million, and the Jinxiuchuan University Town is 200 million, and it seems that there are local shadows, but in fact, I am afraid that the bank is making its own opinion.

As for what the other party meant by saying this......

It is nothing more than to show that Tiancheng can get a loan, relying on his own strength, your second uncle wants to borrow 50 million, I am afraid that he is not qualified for this, it is better to put the loan on the head of your other branches.

Gee!

What a plan!

I wanted to get the job done, but I didn't want to take any risks, and I wanted two separate office buildings......

Is it true that my Ge Lao Er is a little young?!

It's time to show your true strength!

150 million?

As a serious developer, as a leader in loans, as a man with a golden finger...... After three or four months of busy work, how can you only have such a small amount of assets?

It's so contemptuous of people!

............

Director Sun came quickly, riding a heavy motorcycle that Brother Hao hadn't driven for a long time, dragging a long string of billowing smoke and rumbling.

"Boss!"

"All the materials are ready?"

"It's all in there!"

"Well, it's hard work!" Ge Xiaotian took the folder and flipped through it roughly, "Leader, let's talk about 3+2+2 first, three hundred million special loans for the sports center, one of which is a mortgage loan, and the original mortgage was Tiancheng Company's construction machinery and construction qualifications." Right?"

"Yes!"

"The remaining 200 million is a credit loan! And the 200 million in the second phase of Xingyue Bay has not yet been approved, and the 200 million in Jinxiuchuan University Town needs to wait until the establishment of Jifu Tian Component Company, which is not wrong, right?"

"That's right!"

"If you remove 2+2, and then remove the mortgage loan of 100 million, that is to say, Tiancheng currently only has a credit loan of 200 million!"

"This ...... Oh my God, we can't count our accounts like that!"

"Wait a minute, let's take a look at it first!" Ge Xiaotian opened the folder again and flipped to the commercial street in District D of Xingyue Bay, Xiangxian County, "Leader, this is an asset under Tiancheng, you can see if the number is correct!"

Bank staff gathered around, "The office building in Zone D of Xingyue Bay, Xiangxian County, with a total construction area of 37,000 square meters, worth 98.14 million, and 75 sets of street-side shops on the commercial street, worth 58.55 million. A total of 156,690,000!"

"This is one of the assets that has just been integrated, how much can I borrow?"

"This ......," the ICBC leader was silent.

Ge Xiaotian turned to the second page, "Xiangxian landmark buildings: crescent moon and square! Now this is a prime location, the south side is a primary and secondary school, the north side is a new middle school in Xiang County, the west side was not planned before (left to Shangpin Construction Engineering, the other party did not come), and 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 3,010 square meters (commercial), with a total construction area of 7,600 square meters, and a value of about 22.8 million yuan. ”

Page 3.

"I don't know if your bank accepts a mortgage for an underground parking lot with property rights? I have 5,000 parking spaces here, which are under construction, and they will only be rented and not sold after completion! The total value is about 10 million. ”

In these years, there are few people who buy cars, and the parking spaces are definitely not worth much, only 2,000 yuan each, and it is estimated that it can be increased more than ten times in ten years.

Page IV.

"I believe everyone has heard that when Tiancheng won the sports center project, it was a negotiated bid, Tiancheng and the city each contributed half, with a total investment of 200 million, Tiancheng has the right to operate for 30 years, I don't know if it can be loaned? At present, the basic project of the UFO Stadium has been completed, and it will almost be completed in October! The value of the operation right is not easy to estimate, but the project worth 200 million yuan, calculated by the construction age of 100 years, how can the 30-year operation right be worth 600 million, right?"

"No, it can't be counted like that!" The bank leader immediately became anxious, can that thing in the sports center make money?!

"Wait a minute, let's talk about it later!" Ge Xiaotian turned to the fifth page, "Everyone in the bus system must also know that there are five routes, a total of fifty tourist civilizations, fifty intercity pioneers, twenty rich and poverty alleviation, as well as thirty previously acquired passenger buses, and one bunk Daewoo driven away by my second uncle." The buses are not cheap! Look at the imported assembled buses that Jishi bought, each of which is more than 900,000 yuan, and my cars are so durable, powerful, and elongated, equipped with air conditioning, and they sit high and look far away, why do they cost 1 million?"

"Why did I hear it only took twenty ......?"

"That was a long, long time ago! Now this kind of purely domestic high-end car is rare to see in the whole of China!" Ge Xiaotian felt a little hot, pulled open his down jacket, loosened his collar, "Come, let's take a look at the purchase orders and invoices!"

Many parts of the bus need to be imported, expensive, assembled, each one is comparable to a tiger head run, which is why many places would rather buy a few more minibuses than buy buses.

The purely domestic buses that the Ministry of Machinery relied on to transform by the Great Liberation are cheap, but their appearance is too ugly...... No, it's too domineering!

It can't be sold at all!

At the beginning, the automobile factory was facing bankruptcy, and it took over the order of 50 "ugly monsters", but now that the business situation has improved, it is natural to adjust the production line.

But Tiancheng's orders continued to flow, accumulating to more than 200 vehicles, for the sake of money, Jiefang decided to optimize the ugly eight monsters, let Guan Gong become Diao Chan, and sell it publicly.

Named: Intercity Pioneer!

But it's one thing to 'say', it's another thing to 'do'.

Optimization, how to optimize?

Replace the chassis for low-entrance buses, adopt the front and rear axles with ultra-high safety, add hinge discs with a very low failure rate, replace the gearbox with super compatibility, and introduce an electro-hydraulic power steering system......

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

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

So, Tiancheng is out again!

I have the engine?

Front and rear axles?

What do you want?

Hydraulic shock absorbers, hydraulic power steering, let's take a look at the design of the Lotus Stadium!

Wait, I'll buy an imported bus and go back and dismantle it!

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

At present, in terms of buses, Tiancheng provides technology and liberates responsible for production!

And the sale price ......

600,000 for the normal type, 900,000 for the extended type, 16 meters, 18 meters, 1.1 million with hinged discs!

All of them are less than 300,000 to 500,000 imported cars!

Selling it to Tiancheng must be a cost, but when Director Sun bought the S600, he learned badly and carried out some operations for the benefit of the company.

For example, every bus is purchased according to the external sales price, and the normal invoice is 1.1 million, and the profit is calculated by the liberation side, and then it is used as a dividend of Tiancheng's technology shares, and then returned 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', legal, and has increased Tiancheng's assets.

Originally, Ge Xiaotian didn't care about this, but some time ago, Director Sun integrated the company's accounts, prepared to upgrade the construction qualifications, and listed the total assets of the bus system, which stunned him on the spot.

Not counting the tourist civilization (running in the countryside), not counting the mergers and acquisitions of buses, only counting the intercity pioneer (running the city), the second batch of 50 vehicles, 50 on the road, and 100 vehicles not yet off the production line...... Two hundred million!

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

"All of them add up, almost 300 million, how much can you borrow?"

The ICBC leader subconsciously scratched his head, "You wait, I'm a little messy, go smoke a cigarette first!"

"Don't, you wait for me to finish, and there's more!"

Ge Xiaotian opened the sixth page first, "At present, Tiancheng has 30 million cash, 20 million unpaid pre-sales, 10 million contract payments, 8,800 acres of land, 59 patents, 35 trademarks, one architectural design and research institute, one mechanical design and research institute, and one high-tech materials research center...... Next month's financial statements, Tiancheng's total assets are 1.327 billion!"

There is no need to falsify the total assets, and before the loan is approved, the assets need to be evaluated, and the authenticity will be known at the time of checking.

The leader of ICBC frowned and lit a cigarette, "You say, how much do you want to borrow?!"

Ge Xiaotian suddenly smiled and put down the folder, "First approve 50 million for my second uncle, and then let's talk about Tiancheng's loan carefully!"

"Hey!" the ICBC leader also smiled, waved his hand to the staff, and motioned to take out the materials, "50 million?

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

According to science, moderate intake of meat, eggs, and milk can help brain development and increase IQ. The nuts, especially walnuts, are rich in unsaturated fatty acids with great nutritional value and health care effects, and long-term consumption can benefit the brain, moisturize the skin, nourish the skin, and enhance the body!

When the time comes, not only Tiancheng employees, but also the children in the university town will become smarter, we will cooperate, it will definitely be free to deliver this kind of nutritional products to your bank on a regular basis, settle accounts all day long, count money, very tired, there is no harm in making up more!"

"Indeed!"

"So, the interest will be waived!"

"Huh?"

"It's such a happy decision! By the way, please help shoot a short video when the time comes, that is, our bank staff will take walnut milk, walnut kernels, juice or something, and say: I drank it so well, and everyone will drink it so well!"

"Poof......" Seven or eight bank personnel burst into laughter.

In these years, working in a bank, he is a decent person and a high-income person.

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

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

"All of them!"

50 million loans, repaid in two years, free drinks addictive, two years later...... Hehe, either pay for it or lend it again, otherwise, who cares about you?

ICBC leaders don't seem to expect that in this regard, bank treatment is also a large amount of expenditure, and it can exchange interest for benefits, and it can also complete the task of lending, which is also 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 document bag, "I wonder if the leader has heard of Xixiang?...... We've been there before, but on the day when we walked a lot, we went to worship Ranzi first, and then went to Daqingshan to explore the ruins!"

"Oh! I think about it, there seems to be the ancestral forest of your Gejia Village and even many villages in Sancha Township over there in Xixiang!"

"Yes, yes, yes, it's huge, isn't it?"

"It's not smaller than Nanwa!"

"Well, there is an ancient battlefield over there, and it has fought devils, and it is also the main battlefield of the Southwest Lu Campaign!" Ge Xiaotian unfolded a material, "My third uncle has wrapped a vegetable greenhouse over there, preparing to build our northern vegetables...... Hey, leader, don't go!"

..................

Near noon, Comrade Ge Feng drove back with a big golden cup stained with mud.

"What about them?"

"I asked Lao Sun to take them to the Guyue Hotel to rest, and at noon I called Ding Hao and Xiao Huang, plus the second uncle and the third uncle, and rubbed together!"

"You're not going?"

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

The reason why I went out at seven or eight o'clock today was that I planned to finish my relatives early, go to the Guyue Hotel in Xiangxian County at noon, call Li Xiuxiu extravagant, and then take my mother to Xingyue Bay for a spin, buy some clothes, buy some melons and fruit snacks, buy some New Year's goods, and get a haircut by the way, or a haircut in the first month......

Ge Feng started the big gold cup, turned around, and went to Xiguan in Xiangxian County, "How much did you borrow this time?"

"One billion!" Ge Xiaotian is not afraid of his father at all now, he had already written out Tiancheng's plan for the next five years, and after his father read it, he was stunned for more than half an hour, and finally decided not to play with his second son.

Of course, it is not ruled out that Comrade Ge Feng wants to steal his second son and go to the Northeast to do it himself.

"So much?!"

"The special loan of 200 million yuan in Jinxiuchuan and the 200 million yuan loan in the second phase of Xingyue Bay are too limited, and they can only do those two when they get their hands! Now that those two loans are cancelled and replaced with 1 billion yuan, the nature of the loans will change, and Tiancheng can use the money to engage in other projects, instead of being limited to a certain project. ”

"So, Tiancheng's next step is to enter Wenxian County, Juxian County, and the hometown of garlic?"

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

"Tsk!"

"Also, tonight, the young white-headed leader helped to match and get acquainted with Sun Paper, and made it clear before that the other party has difficulties in funds, and one billion is in hand, so take the opportunity to make some shares......"

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

"Maybe I picked it up from the garbage heap, I found someone to calculate the hexagram, and the other party said that I was the reincarnation of the God of Wealth......"

"What nonsense!" "The mother sitting in the back was immediately unhappy, "This bear child's mouth has never passed by, and it is estimated that the fortune teller is also a black-hearted blind man, and he has picked up all the money when he has given it!"

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

"You've become a big boss, can you have some interest?"

"Liar's money, don't take it for nothing!"