Yang Fei coughed lightly: "Suddenly choked, I mean, I want you to help me find Su Tong." ”

Chen Mo's heart ached violently, and he said faintly: "I also want to find Mr. Su, she is back, so I don't have to be so tired." ”

Yang Fei said: "No kidding, I'm serious." On our books, there are now 200 million yuan, which can be invested first, and the project can be contracted, and the project payment can be deferred, which can be delayed for at least one to two years. ”

Chen Mo pursed his lips and smiled: "I often hear people who do engineering say that the most fearful thing about doing engineering is that they can't settle the payment. It turns out that it's all caused by bosses like you. ”

Yang Fei said: "What is this? Triangular debt is a difficult problem that every enterprise must face and solve. In recent years, the triangular debt crisis has erupted on a large scale, leading to the closure of many enterprises. ”

Chen Mo said: "Even if the project payment is in arrears, it is estimated that it is still not enough. ”

Yang Fei said: "All raw materials can also be in arrears. We are backed by the beautiful group, and the project is a 10 billion project supported by the government, and the raw material suppliers will definitely rush to do business with us. ”

Chen Mo sighed: "So, we don't need to pay?"

Yang Fei said: "Of course you have to pay money, it's these two billion." Use these two billion as bait to bring in the engineering side and the supply side first, and they will see our strength and are of course willing to cooperate. ”

Chen Mo said: "According to what you say, we don't even need to invest two billion yuan in the early stage?

Yang Fei said: "In the early days of my business, I only had 250 yuan in my pocket, but I still dared to talk to Nanhua Factory about agency, and successfully digested all the inventory of Nanhua Plant and earned the first pot of gold." ”

Chen Mo said: "You are an empty glove white wolf." However, the person who can catch the white wolf empty-handed is the one who is really powerful. There are too many talkers, but there are too few people who can actually put it into action and succeed. ”

Yang Fei said: "We are no longer empty-handed now, but have the entire beauty group, so I think the 20 billion project is nothing, and the money owed can always be paid off." ”

Chen Mo said: "What if the engineering party and the raw material party collect the payment?"

Yang Fei said: "One word: drag." Delay until the project is open, and then slowly repay the loan. ”

Chen Mo seems to have learned the most essential things about doing business, and these are things she has not experienced before.

Yang Fei said: "Although you let go and do it boldly, you must have the confidence to win, you must do this thing, and you will definitely succeed! In this way, your strong belief can infect your partners and make them willing to help you advance funds." ”

Chen Mo said: "Eighteen scenes, in addition to Peach Blossom Village, there are also seventeen scenes, which is to be subcontracted to seventeen different contractors, so that the risk can be diversified, and the debts borne by each contractor are limited." In addition, we can separate the engineering and raw material supply, so that each partner pays less money. ”

Yang Fei said: "That's it." ”

Chen Mo thought for a while and mentioned one of the most important questions: "What if the partner doesn't agree to advance money?"

Yang Fei said: "People who don't advance capital can't become our partners." ”

Chen Mo said: "The first time I did this, to be honest, I still have no confidence in my heart. ”

Yang Fei said: "Although these projects are for tourism development, they are mainly for planting crops, so I plan to put this investor under the name of 666 Shopping Plaza." ”

Chen Mo said: "Invested by 666 Company?

Yang Fei smiled mysteriously: "You should know that our 666 company has already carried out an IPO, and it will be listed around 2000.

Chen Mo said: "Great! If our company is going to go public, we will definitely be able to make money, and we will have money to repay our debts." You did it on purpose, right? Putting the Yilin Eighteen Scenic Spots Project under the 666 Company is just to use the money from the listing circle of the 666 Company?"

Yang Fei said: "Isn't the purpose of a company's listing to replenish liquidity and repay debts?"

Chen Mo said: "You are so clever. ”

Yang Fei said: "From today on, you have to learn knowledge related to listing and stocks, and when our company is listed, you have to learn how to manage." ”

Chen Mo said: "I have a question I want to ask you. ”

Yang Fei said: "What's the problem?"

Chen Mo said: "Chen Shengli is in charge of a listed company......"

Yang Fei was stunned for a moment, and then realized that Chen Shengli she said was referring to her biological father.

"Well, what's wrong?" Yang Fei asked.

Chen Mo said: "I also heard that the reason why he owes debts is related to making false accounts. How does this listed company make false accounts?"

Yang Fei groaned: "There are many methods for this, also known as financial methods. ”

Chen Mo said: "Can you tell me more specifically." This knowledge is certainly not learned in school or textbooks. I just want to understand how Chen Shengli failed? His company obviously has 1.5 billion yuan in funds on its books, but he can't get out the hundreds of millions he owes to others. ”

Yang Fei said: "The money on the company's books is sometimes not an asset that can be used. ”

Chen Mo said: "I don't understand, since it's the company's money, why can't it be used?"

Yang Fei touched his nose and said with a smile: "You are the person I trust, and it doesn't hurt to tell you." For example, if you are a major shareholder of a listed company, you have 1.5 billion, but this is the money on the company's financial books, and you must see this money when you make accounts, so that other shareholders and investors can believe and trust you. ”

Chen Mo said: "Well, then what?"

Yang Fei said: "But you need to use this money urgently, so you find the bank and sign a drawer agreement with them." ”

Chen Mo said: "What is a drawer agreement?"

Yang Fei said: "On the surface, you are saving 1.5 billion yuan in the bank, but secretly, you can sign an agreement with the bank to take the 1.5 billion yuan to pledge the loan and loan back 1.5 billion!"

Chen Mo said: "Will the bank agree to do this?"

Yang Fei said: "This is a large amount of deposits, which bank doesn't want to pull it? You don't even buy financial management, just take the lowest current interest, you and the bank can sign an agreement privately, mortgage for two years and not move the money, and then the bank will also borrow about 1.5 billion yuan to you for two years at the normal loan interest rate." ”

After a pause, he explained: "It's a win-win situation, for the bank, he brings in deposits and earns the difference." As for you, if you don't move the funds on the books, you have cashed out 1.5 billion, which can be invested in other projects, as for this difference, what is it for the huge amount of 1.5 billion?"

Chen Mo said: "The 1.5 billion I borrowed back, I can use it at will?"

Yang Fei said: "Not bad. But on the company's books, there are still 1.5 billion, financial accounts, and the statements are also very good. However, the 1.5 billion yuan can't be used, because it has been pledged to the bank by you, and the bank has the protection of your drawer agreement, and it is not afraid of you using it. If the company doesn't have an accident and the capital chain can't be broken, then there is nothing to do here. ”

Chen Mo said: "If the funds encounter turnover problems, the 1.5 billion I loaned out has been used. If you need to use the funds for other projects or arrears, but you can't get them, the company has a problem. ”

Yang Fei said: "Yes, so this practice is not advisable, and it is also an illegal operation." Generally speaking, once there is an audit or debt collection, the company will find an excuse, saying that the money is special and cannot be diverted for other purposes, which is a lie. Actually, the money can't be withdrawn!"

Chen Mo said: "I understand, why Chen Shengli would be defeated! If it weren't for you to help him, he would have jumped off the building and died by now! Yang Fei, promise me, in the future, your company will be listed, don't play this kind of drawer agreement, okay?"

Yang Fei was silent and did not answer.

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