Duan Yongping's words fell into Fang Chen's ears, no matter how he listened to it, he felt a sense of schadenfreude, and it was not a big deal to watch the excitement.

Well, that's right, Duan Yongping really has this in his heart now.

Or, from the first day he was with Fang Chen, how to take out money from Fang Chen's pocket had become a compulsory course for him.

His document, which is full of "playing money", is the best commentary on this thought.

It can even be said that this is not only a compulsory course for him, anyone in his position, as the president of Qingtian, taking money from Fang Chen's pocket is a compulsory course for him.

There's no way, it's really strange who made them the boss, and the extra money they earned was much higher than the income brought by the normal development of the company.

Since Fang Chen went to Russia, Fang Chen's extra money has been constantly feeding the little overlord.

Although now, it seems that Russia occupies a heavier position than the importance of Qingtian, before Russia had three companies, two companies in China, and now the three companies in Russia have been upgraded to four, and each of them is more profitable than Xiaobawang.

As for Qingtian Communications, which is still losing money, he doesn't bother to mention it at all, and he doesn't even have the qualifications to compare.

But when Fang Chen took 20 million from the company's account at that time, he really had the idea of making extra money, going to be a big boss, and dumping some goods, so he went to Russia.

It was only later, with turbulence and coincidence, that Fang Chen fell deeper and deeper into the situation in Russia, and he had more and more wealth, which gradually developed into this.

The times create heroes, and these five words are simply tailor-made for Fang Chen's actions in Russia.

Later, Fang Chen was in the Malaysian oil field, blocking the pound and other big fishing, and the first shot was more than one billion dollars, more than five billion Chinese dollars.

And poor Xiaobawang, last year's revenue for the whole year was only about 5 billion Huaxia coins, and the revenue was not as much as Fang Chen's, let alone pure profit.

However, it is precisely because of Fang Chen's continuous return that Qingtian can develop to this point, if he only relies on himself, it is estimated that Xiaobawang does not even have a monopoly on the national market now.

With a boss like Fang Chen who can make money, if he doesn't want to deduct some money from Fang Chen's pocket, then he, the president of Qingtian, is not qualified.

Seeing that Fang Chen's face was cloudy and uncertain, and he was a little hesitant, Duan Yongping took the opportunity to add another fire, and said: "If it really doesn't work, then it's okay to take a loan from the bank, I'm afraid there hasn't been any one in this world like Qingtian, which will soon develop into the world's top 500, but there is no commercial loan yet, I think even if it is collateral with Xiaobawang and Qingtian Communications, it is enough to get five or six billion from the bank." ”

However, in Duan Yongping's expectant eyes, Fang Chen nodded not long after, pointed to Shen Wei's production increase report, and said, "Okay, you discuss with Shen Wei, take a specific charter, and if there is no big problem after I read it, I will approve it." ”

But immediately, Fang Chen's voice changed and warned Duan Yongping: "Don't think that you can take up the national switch market in one step, and don't add all the increased production capacity to Qingtian Communications, at least ensure that 60% of the increased production capacity is realized by Foxconn." ”

didn't care about the threat behind Fang Chen, just hearing Fang Chen's words in front of him, Duan Yongping's brain was a little down.

After a few breaths, he said with a look of disbelief: "You really agreed." ”

He thought that he still needed to continue to exert his three-inch incorruptible tongue, and it would take a lot of effort before Fang Chen could agree.

The result was good, Fang Chen actually agreed almost instantly.

This made him really feel that he had all his strength, but a punch was missed, and it felt as uncomfortable as it was.

"Since what you said is reasonable, what should I not agree to? Fang Chen said with a completely undeniable attitude.

In his previous life, he was also the founder of a small communications company, and later he was in charge of the company for several years, how could he not know that the development of a company is inseparable from bank loans.

It can be said that nine out of nine enterprises in the world, slightly larger enterprises, need to borrow money from banks, but the difference between borrowing more and less.

The less kind is because there is a large amount of cash in the pocket, and the reason why you borrow money is only because the interest rate is appropriate, and you don't borrow for nothing, and at the same time, you want to have more cash in your hand to maintain a good cash flow.

And the more one has fallen to the point of being insolvent, begging grandpa to sue grandma, and even dare to borrow from usury, because if he doesn't borrow money, the company will simply disappear, and he has nothing but a debt.

Most of the enterprises are in need of bank loans to get by, relying on bank loans to maintain their operations all day, once the bank breaks the loan, although the end is not as miserable as the former, but the company is not long from bankruptcy.

This is also the reason why there will be a large number of bridge loans, bank loans expire, and the enterprise cannot repay the money, and if the money is not repaid, the bank will not be able to lend him the next money, which forms an endless circle.

Therefore, at this time, the role of the bridge loan is reflected, the financial company that has done the bridge loan first gives the enterprise a sum of money, so that it can repay the bank's money first, and then the enterprise and the bank loan will be repaid to the financial company with interest.

However, if once the bank withdraws the loan, that is, after the enterprise repays the money, the bank feels that the risk of the enterprise is too high and does not lend to the enterprise, then the enterprise is not far from death.

Even at this time, the company will fall into a vicious circle and become the kind of enterprise that borrows a lot of money.

In other words, most of the enterprises that borrow a lot of money are born from this kind of enterprises.

But even if the bank did not draw the loan, but issued the loan again, and the enterprise calculated the accounts at the end of the year, most of the money earned from the hard work of the year was also given to the bank and real estate.

That's where most businesses are today.

Therefore, Fang Chen himself does not reject borrowing from banks, and knows that loans are the only way for enterprises.

It's just that he couldn't make money before, and since he can make money to support the development of the enterprise, why should he find a bank for any loans and give the bank interest for nothing.

Of course, he actually knows in his heart that as long as he can take out a loan these days, it is actually equivalent to making money.

For no other reason, the bank's interest rate can't keep up with the rate of inflation.

For example, if the interest rate on bank loans is 10% and the rate of inflation is 15%, does that mean that if he can borrow 1 million from the bank and buy all the goods?

By the next year, the price of goods will be 115% of the original price, and the bank interest that needs to be repaid is only 110%, and the difference between the two is 5%, is not in the hands of the lender in vain?

This is also the reason why every time the bank releases water, the value of the rich will skyrocket.

After all, usually only rich people can borrow a large amount of money from the bank, and they borrow money from the bank and then buy goods, and more money will pour into the market will push up the price of goods, which will cause inflation, and then sell the goods at a higher price, even if they repay the bank loan, they still have a good income, almost can be said to be a complete empty glove white wolf.

Of course, not all goods can be operated in this way, if you had stocked up on rice and noodles in the 90s, it is estimated that you would have gone bankrupt 800 times earlier, after all, even after 30 years, the price of rice noodles has not risen much, and you will not be able to pay the interest on the loan at all.

In fact, hoarding rice and noodles is good, if you buy a bunch of Santana, it will really cry, not to mention the annual depreciation rate, just say that the price of the new car has been cut by more than half, which is a loss to grandma's house.

It can be said that the only thing worth hoarding in Huaxia over the years, and the one that can be sure to outperform the bank interest is the house.

This is also the reason why every time the central bank releases a lot of water, intending to bail out the market, boost GDP, and promote the upgrading of the industry, most of the money flows into real estate.

How fast and stable the real estate money is, who will do the industry and what industrial upgrading will be the fool.

However, in recent years, with the above houses not speculation, housing prices in many cities have fallen.

Anyway, no matter whether Fang Chen is stupid or high, anyway, he disdains to make money by making money by the interest rate difference between bank loans and inflation.

But now it's different, whether it's VCD or Qingtian Communications, it takes a lot of money to open up the market and seize the market, and since he has some money in his hands, and he has no chance to make quick money recently, he can't take out a loan with a hard neck, it's really a problem with his head.

After all, as Duan Yongping said, he can't always watch because he is afraid of advancing funds, or he has no money to advance funds, and he finally took the switch market driven away by Fujitsu, Lucent, and Dongwei Electric to be occupied by other manufacturers.

Of course, he didn't say that he had to eat alone, but the large piece of meat must be in his mouth, and other communication manufacturers, even Huawei, can only drink soup now.

Moreover, although the switch has been regarded as backward production capacity in the world, it is still a standard sunrise industry in Huaxia, and it is Qingtian Communications that can make a domestic 10,000-door machine, even if it is Wu Jiangxing's Julong Group, according to his understanding, it is estimated that next month, the first official machine will be offline.

Moreover, the annual output of Julong is estimated to be five or six hundred thousand lines, which is not as good as Shencheng Bell and Yanjing Cable Power Plant, which does not constitute much competitiveness for the current Qingtian Communications.

If it can really form a competition, then DynaSky Communications' orders will not be scheduled until February next year.

Now the only opponent of Qingtian Communication is itself, to be precise, its own production capacity.

In addition to the fact that the expansion of production capacity means that he will lose more money in a short period of time, there is no harm in it, in the case of Huaxia, before 2005, these production capacity can basically be said to be very useful.

Seeing that Fang Chen really agreed, Duan Yongping said with a happy face: "Okay, I will discuss a specific plan with Shen Wei and them as soon as possible, and then show it to you." ”

Fang Chen only needs to agree, as for letting Foxconn increase more production capacity, and Qingtian Communications will increase less production capacity, in his opinion, it is not a matter.

And over the years, Foxconn has given Qingtian various OEMs, and he has tasted a lot of sweetness.

After all, Foxconn's quotation is lower than the cost of Qingtian's own work, and the shipment is fast, and it doesn't have to bear so many employees, so why not.

It's not that there is a problem with their management level, or that the work ability of the employees is not good, but the salary of the employees is much higher than that of Foxconn employees, and the cost will naturally not come down.

Speaking of this, Duan Yongping seemed a little embarrassed, rubbed his hands, and said to Fang Chen: "Over the years, many bank presidents have come to me, hoping that Qingtian can apply for loans, and the guarantee amount is high and the interest rate is low, otherwise I will talk to them, and I won't bother you." ”

He wasn't acting as a substitute, he just knew that Fang Chen was impatient to deal with people in the bank.

Moreover, although these banks are now begging for loans from Qingtian, it is still a troublesome matter.

As for why the bank asks for a loan, in fact, the reason is very simple, the bank also has business pressure, not to mention that it itself wants to make money, just say that the money deposited in the bank has to pay interest, so if the bank does not lend the money, then how can it make money, how to pay interest to depositors.

And a fast-growing company like DynaSky, which has a large amount of money and excellent repayment ability, is the favorite enterprise of banks.

On the contrary, for those companies that urgently need money to survive, banks will become extremely stingy.

This is also the reason why banks use umbrellas on sunny days and umbrellas on rainy days.

And Fang Chen had already taken a step back and promised him to increase the production of Qingtian Communication, and he should be a little more tired.

But who knows, Fang Chen actually waved his hand and said directly: "I won't bother you with this, Su Yan and her mother are here." ”

There is a mother-in-law who is a bank president, and he finds someone else to take out a loan, then he is really brainy.

For any bank president in China, it is a great feat to get Qingtian to borrow from his bank, and if the amount is large enough, it is not impossible to directly upgrade to the next level.

This kind of good thing, if he didn't let Liu Ziyan get it, even if Su Yan didn't complain about him in his heart, he wouldn't be able to do it.

He remembered that compared to Su Shuang, Liu Ziyan had always supported him and Su Yan together, and even he had not yet emerged at that time, so he was always grateful to Liu Ziyan, the prospective mother-in-law.

Moreover, now that he and Su Yan are not married, these benefits will be given to Liu Ziyan, but once they get married, I am afraid they will have to avoid suspicion.

As for whether Liu Ziyan, the president of a city-level bank, can ensure that Qingtian gets a sufficient amount of loans, he is not worried, as the daughter-in-law of the Su family and the only daughter of the Liu family, if he can't even do this little thing, then the old man of the Su and Liu families will directly retire.