Hangzhou's house hired two nannies to clean it.

Wait for Mom and Dad to take care of things at home and move over directly.

As soon as Chen Dongcheng returned to Pengcheng, he received a call from Gu Shouyi, inviting him to sit in the universe.

Lao Gu is now proud, and he has always had a good relationship with Chen Dongcheng.

The deposit of Qingju Bicycle has also been controlled by the Universe Bank.

With such a large deposit, how much can the universe make in the future, Chen Dongcheng does not know.

But at least it is higher than the income of Qingju Technology to buy wealth management products.

Gu Shouyi poured tea for Chen Dongcheng very enthusiastically, and mentioned the boiling issue of shared bicycle deposit in the past two days.

"Mr. Chen is still far-sighted, no wonder from the beginning the public announced that the deposit was handed over to our universe as a supervision.

As far as I know, in the recent bicycle sharing industry, the total amount of deposit refunds has reached more than one billion.

If Mr. Chen hadn't prepared emergency funds in advance, there would definitely be a big problem. ”

After such a thing, the vast majority of users will choose to try to refund it.

Financing in advance, Qingju Bicycle, which has abundant funds on the account, naturally refunds in seconds without any suspense, which reassures the hearts of the majority of users.

Chen Dongcheng shook his head with a smile, his eyes were deep: "This is just a small-scale reshuffle, and companies without strength will definitely die, and the real fight is still to come." ”

Gu Shouyi nodded, Chen Dongcheng's analysis was similar to his.

However, the most optimistic in the market now must be Qingju Bicycle.

The enthusiasm of many investors is the best proof of this.

In the first two rounds, Tengxun did not enter the market, but it is said that the C round has begun to pay close attention and show its willingness to lead the investment.

These thoughts quickly flashed through Gu Shouyi's mind, and he said with a smile: "Mr. Chen, I called you here this time mainly to talk about the loan. ”

"Loans?"

Chen Dongcheng was a little puzzled: "Isn't there still more than a year to expire?"

"The big leaders above have begun to strictly grasp risk control, and we will also review the previously approved loans below.

For example, Mr. Chen's previous use of equity financial mortgage financing is now becoming more and more strictly controlled. ”

Gu Shouyi must be dedicated to maintaining customers like Chen Dongcheng.

Not to mention, Zhu Taoke, who is in the same system, has always been eyeing Chen Dongcheng.

Gu Shouyi smiled and said: "Of course, the financing interest rate of the several loans I approved for Mr. Chen before will remain unchanged for the time being.

Nowadays, some companies want to seek equity pledge financing, with an annual interest rate starting at 8.5%. ”

These banks are this kind of urine, don't talk about any standard interest rate.

If you want to get the bank's standard interest rate, either you are a state-owned enterprise or you are a big customer of the bank.

Gu Shouyi said this, nothing more than to show his sincerity to Chen Dongcheng.

Chen Dongcheng asked him for the interest rate of the pledged loan before, and he did not revise it.

Chen Dongcheng definitely needs to receive this situation.

"Thank you, Gu Xing. ”

"Eh, you're polite, we're all friends, there's no need to say thank you.

Besides, isn't it just to lend to high-quality customers like Mr. Chen?"

Gu Shouyi smiled and waved his hand: "The assets under Mr. Chen's name are very high-quality, such as Didi's equity, which has risen four times. ”

From this point of view alone, Gu Shouyi gave Chen Dongcheng a loan, and there was no risk at all, which could be regarded as a performance for nothing.

Chen Dongcheng's previous loan money has long been spent.

As for the interest, that's just a few bucks.

If it weren't for the one billion yuan that Gu Shouyi had given before, many projects, Chen Dongcheng could only watch others do it.

Gu Shouyi said tentatively: "Mr. Chen, I plan to re-evaluate your assets and help you increase the loan amount, what do you think?"

"How much better?"

Chen Dongcheng's performance was a little bland, as if he asked casually, and he didn't see urgency at all.

Gu Shouyi was accustomed to it, and said with a smile: "First of all, the villa on the pure waterfront, the situation of high-end mansions in Pengcheng has not been very good recently.

The price of the villa on the pure waterfront has also declined.

However, in the long run, there is still room for upside. ”

Pengcheng is different from the magic capital, and the area that can be expanded is limited.

With the increasing influx of people, more and more new billionaires are being created.

A quality villa like a pure waterfront is very valuable and suitable for investment.

When I first bought it, the average price reached 280,000 square meters.

Now the market is not good, falling to 241,000 flat.

However, it is still early to reach the peak of the pure waterfront, and when this community is at its peak, the average price is five or six hundred thousand square meters, which is a common thing.

"In addition to the pure waterfront villa, the three-story office building purchased by Mr. Chen in Zhenghua Group before.

Now that it has risen by almost 10,000 per square meter, Mr. Chen has picked up 100 million for nothing!"

Gu Shouyi said, with some emotion.

At a time when the market is cautious and other investors are hesitant.

Chen Dongcheng purchased a three-story office building from Zhenghua Group.

At the beginning, many people ridiculed, thinking that Chen Dongcheng must have smashed his hands.

Who would have thought that the underestimation of office buildings in Pengcheng only lasted for a while, and now it is picking up again.

This wave of dividends is destined to be enjoyed only by Chen Dongcheng.

Chen Dongcheng waved his hand modestly: "The price of office buildings in Pengcheng has limited room to rise, and I bought it for the company's own use." ”

"Although the office building has earned 100 million yuan, Mr. Chen's most profitable business is not the office building. ”

Gu Shouyi said with a smile: "The valuation of Shangdong Technology has risen from $200 million last year to $500 million.

The value of the equity held by Mr. Chen rose from 600 million at that time to 1.4 billion. ”

"If you want to say that Mr. Chen has the most investment vision, it must be the Didi project, Didi's recent valuation, Mr. Chen should know, right?"

The reason why he asked this was that Gu Shouyi also heard that Chen Dongcheng gave up his seat on Didi's board of directors.

Didi's news, Peng Zhijian has chatted with Chen Dongcheng a few times.

He even sighed more than once that Chen Dongcheng had a good vision.

At the beginning, Chen Dongcheng invested in Didi, but Peng Zhijian helped match.

At that time, Didi and Kuaidi were inseparable.

Chen Dongcheng was able to enter the game decisively at that time, and he was very visionary and courageous.

"As far as I know, Didi's latest round of financing is valued at $16.5 billion after investment, and my shareholding is diluted to 3.97%. ”

Chen Dongcheng remembers very well that the think tank has always had records.

Think about how he took a ride on Didi's ride, but it took a lot of twists and turns.

Gu Shouyi sighed: "The equity of Didi held by Mr. Chen alone is worth 4 billion. ”

The prospect of Shangdong Technology is difficult to say, but for Didi, the capital market is generally optimistic.

It's only a matter of time before Didi beats Uber.

The fact that so much capital is actively pouring in is the best proof of this.

Chen Dongcheng was not in a hurry to make a move, anyway, the longer he held it, the more valuable the equity in his hand became.

Therefore, these equity and real estate alone are worth 6 billion, not counting Mr. Chen's shares in Qingju Technology. ”

As soon as Gu Shouyi mentioned Qingju Technology, he couldn't help but feel envious.

Who would have thought that the most common bicycle could have this kind of gameplay.

Now Qingju Technology has completed two rounds of financing, with a valuation of $2 billion, and there is still a lot of room for growth.

Regarding the information of Qingju Technology, Gu Shouyi is very clear.

Chen Dongcheng holds the largest shareholding, as high as 58.5%.

The absolute largest shareholder, with a voting power of up to 90%, firmly holds Qingju Technology in its hands.

Qingju Technology is valued at $2 billion, Chen Dongcheng holds 58.5% of the shares, and the equity value is 7.2 billion.

Hey, don't mention any other company for now.

Just in front of him, Chen Dongcheng's worth of tens of billions has stabilized.

Of course, except for a very few people who know that the proportion of Chen Dongcheng's shares will always be a mystery.

After a total of statistics, Chen Dongcheng's assets are as high as 13.2 billion.

This number surpasses that of countless billionaires who have struggled for decades.

It can make peers desperate and unattainable.

According to the Forbes rich list released last year, Chen Dongcheng's worth can also rank in the top 60.

But where is this, Gu Shouyi knows very well.

Chen Dongcheng's other companies have a lot of potential.

Coupled with Chen Dongcheng's age, doesn't it mean that there will be a post-90s generation in the position of the richest man in China in the future?

Hiss, Gu Shouyi's heart trembled uncontrollably.

Thinking of these messes in his mind, the smile on Gu Shouyi's face became more and more friendly.

Rich people of this level will be respected wherever they go.

"Mr. Chen, I think it's better to do this, I'll report your assets to the top, see how much money the top is willing to give you, and I will try my best to help you fight for it." ”

Chen Dongcheng's assets were only 200 million before.

It's only been more than a year, and it has risen more than six times.

This is the magic of capital, I don't know how many IT upstarts have been created.

Chen Dongcheng smiled and nodded: "Everything is up to Gu Xing." ”

For him, the more money the better.

From the current point of view, many of the seeds invested in the past have borne gratifying fruits.

The reward given to Chen Dongcheng is enough to envy countless people.

When chatting, Gu Shouyi also vaguely hinted that the leaders above were getting stricter and stricter about risk control.

The previous financing interest rate for Chen Dongcheng needs to be adjusted.

Looking at domestic A-share listed companies, almost ninety percent of the companies have equity pledge financing.

However, banks are still very conservative, and the pledge rate of shares of listed companies is generally not high, and it is good to have five achievements.

In order to avoid many shareholders from pledging at a high level, banks usually set up warning lines and liquidation lines to avoid excessive losses.

But even so, it can't stop a group of shareholders of listed companies from cashing out as soon as possible.

For startups, the pledge rate will be lower, and thirty percent abound.

Not counting villas and office buildings, counting the equity pledge alone, Chen Dongcheng's equity value is also 12.6 billion.

Even at a pledge rate of 30%, that's not a small amount.

Gu Shouyi's actions have always been fast, and the most important thing is that Chen Dongcheng's assets are excellent enough.

Whether it is Didi or Qingju Technology, it is generally optimistic.

Such equity is also easy to approve.

In the end, the conditions given by Gu Shouyi made Chen Dongcheng very moved.

The loan of 5 billion yuan was approved, which is equivalent to the pledge rate given by the Universe Bank at 40%.

Compared with listed companies, it is definitely inferior.

But considering the situation of increasingly strict risk control, this ratio is acceptable to Chen Dongcheng.

If you don't want to realize the equity, you can only take a look.

It becomes disposable funds, which is more convenient for Chen Dongcheng to create greater value.

Gu Shouyi smiled and invited credit: "Mr. Chen, in order to increase your pledge rate, I have used a lot of connections.

There will be this kind of business in the future, but you must remember to take care of my old valley. ”

"Definitely, this time the hard valley is done. ”

Chen Dongcheng smiled and thanked him, which made Gu Shouyi very useful.

Other people who want to take out a loan and shoot 10,000 sycophants are not as effective as Chen Dongcheng's sentence.

"The annual interest rate is 8%, which is a bit high.

But considering that this amount of money is very large, the card on it is relatively dead, which is reasonable. ”

Although Gu Shouyi said this, he was actually able to get this amount of interest rate, which was beyond Chen Dongcheng's expectations.

If they change some real estate companies, even if the annual interest rate is more than 20%, they dare to lend.

5 billion, with an annual interest rate of 8%, and the interest alone is 400 million a year.

If there is no way to make money, just the interest plus principal that is due after three years can crush people to death.

At noon, Chen Dongcheng asked Gu Shouyi to choose a restaurant, and the two chatted while eating.

Gu Shouyi did not doubt Chen Dongcheng's ability to repay at all, and Didi's equity alone was enough to repay the loan this time.

If there was no equity in Didi, Gu Shouyi would not dare to apply for such a high amount of financing loan for Chen Dongcheng.

With Gu Shouyi's help in operation, in less than a week, five billion appeared in Chen Dongcheng's account.

Before the five billion yuan was hot, some people began to ask Chen Dongcheng for money.

……

Nimbo Export Processing Zone.

The bonded warehouse invested by Cao Cao Logistics in Ningbo is located here.

The bonded warehouse covers a very large area, the size of more than 30 football fields.

Zhou Shaohua took Chen Dongcheng all the way to visit, and his tone could not hide his pride.

"Chairman Chen, the bonded warehouses we built in Ningbo are among the few in China.

As a result, we have received support from the local rulers in Nimbo.

For example, tax breaks, low-interest loans for businesses, ......"

In the bonded warehouse, fully automated equipment is sorting parcels in an orderly manner.

Batches of parcels will be automatically sorted to different workshops, waiting for the vehicle to collect them uniformly, and then transfer them to consumers.

As the supporter behind Blue Whale overseas shopping, the importance of Cao Cao's logistics is undoubted.

If there is no Cao Cao logistics, the already unattractive financial report of Blue Whale Overseas Purchase will definitely make matters worse.

Chen Dongcheng looked at Zhou Shaohua, who was much darker than before, patted him on the shoulder, and encouraged: "It is not easy for the development of logistics enterprises to develop, thank you for your hard work." ”

"It's not hard, except for the Ningbo bonded warehouse, we are in other bonded areas, and we are successively laying out. ”

Zhou Shaohua scratched his head: "However, the investment in the bonded warehouse is not small, even if there is a loan subsidy from the local government, it is still a drop in the bucket." ”

Just pointing to the support of the local government and wanting to develop and grow is almost like a dream.

Chen Dongcheng remembered that he only gave Cao Cao Logistics 100 million.

It is not easy for Zhou Shaohua to develop to this extent.

Cao Cao Logistics belonged to Zhou Shaohua formed from scratch, and many executives had never seen Chen Dongcheng, the boss.

The sound of the mechanical conveyor belt rattled all the time.

Chen Dongcheng looked at it for a while and made a decision.

"I'll give you another 500 million, in addition to the bonded warehouse, I hope to see you have a more in-depth layout in other logistics fields. ”

The development of Cao Cao's logistics cannot be limited to being a nanny for Blue Whale Haigou.

The logistics market is so huge, and there are many unicorn companies that can be accommodated.

Since Zhou Shaohua is capable, Chen Dongcheng doesn't mind pushing him.