After He Wenquan had breakfast, he came to the garden outside the living room and looked at the time, it was already 10:20, and President Zhang's call should have been finished early. He felt that he should call him again to hear the news. If Governor Zhang can agree to help him take care of it, he only needs to say that their bank is willing to lend money, and now he is going through the procedure. Then he has a reason to convince those suppliers.

President Zhang is tall, square-faced, and very burly. There is a large black mole under the eyebrows, and the eyes shine in the black hairs, making people feel rough and shrewd.

The reason why He Wenquan dared to think like this was because President Zhang was introduced by Brother Jie.

It was after the Spring Festival six years ago, and Brother Jie called him to inform him to go to President Zhang, and President Zhang would handle the loan for him. At that time, He Wenquan used the company's 600 acres of land in the Guihuagou Tourism Development Zone to borrow 1.5 billion yuan from the bank at an appraised price of 250,000 yuan per mu as collateral, and spent the past few years. He spent several years running down the procedures of the company's project, and the project was successfully started in June this year. The groundbreaking ceremony also invited President Zhang to attend. In recent years, they have also become friends who often meet together in the sauna**, he often says: it is better to do ten good things with them, it is better to do a "bad thing" with them, he believes that he should be able to help with this favor.

"Hello, President Zhang, New Year's greetings to you!" President Zhang's phone finally dialed, "I called you just now, your phone has been busy, and you have worked hard!"

"Have you received the notice from our bank?" Governor Zhang hurriedly asked on the phone: "This is an extraordinary time, and all the work of our bank is mainly focused on the prevention and control of snow disasters. Your company's loan will probably be considered in the second quarter. There's one more thing I'll give you a breath now. ”

As soon as He Wenquan heard President Zhang's tone, he felt that it was not a good thing: "What's the matter?"

"The 1.50 billion you borrowed five years ago will expire after the holiday, so you have to prepare some funds to get through. You know the rule of our bank, they are all to return the old loan first, and then make a new loan. This matter is related to whether your next hundreds of millions of loans can be approved, and you have to do it quickly. President Zhang paused for a while when he said this, and listened to He Wenquan on the phone without speaking, so he continued: "I'll tell you something again, I estimate that I will be transferred after the holiday, and I don't know exactly where to go, but I was asked to talk to me a few days ago." ”

He Wenquan, who was still proud of his idea of letting President Zhang take care of himself just now, is now completely blinded. He knew very well that this loan was the big thing that would kill him. Originally, before the holiday, I agreed with President Zhang to extend the loan for one year, and after the 650 million loan came out, I would repay the 500 million. Now the phone has completely changed, the new money can't be loaned, and he has no money to pay off the old debt.

"Hey, hey, Wenquan, are you listening?" said Governor Zhang's voice on the phone.

"Oh, listening. He Wenquan replied weakly: "Didn't we say that we would postpone it for one year?"

"Wenquan, now that the situation has changed, you have to understand me, I will hand over the work to the new president after the holiday, and the new president can only decide on the postponement. President Zhang's words also sounded a little helpless.

In fact, since Brother Jie and Zhao Suji were arrested one after another four years ago, President Zhang has been working carefully almost every day, living on thin ice. In the matter of his loan to He Wenquan, there are many flaws in the information, and there are also some problems in violation of rules and discipline in the loan policy and the counterpart support of the industry. Because it was assigned by Brother Jie, he took the risk to do it. If the head office checks, he will have to bear a lot of responsibility. He is now riding a tiger and only hopes that he can successfully recover the loan after it expires. He promised He Wenquan the loan later, in fact, it was just to give him some hope, so that he could use this topic in other places to find a receiver to come in, or raise more funds, just so that he could recover the loan smoothly.

After hanging up the phone, He Wenquan seemed to have fallen into a dark abyss, and he couldn't see a trace of light. He knew that it was useless to talk to President Zhang now, and he had to find a way to save the company immediately.

He Wenquan understands that in this modern society, the so-called loyalty of friends is actually loyalty to all the values in you. Don't expect someone to be unconditionally loyal and give to you, unless you always have the value they want to reap. Once the value in you disappears, not only the times will abandon you, but even the people around you will abandon you, cooperation, love, and marriage.

After Lin Ying heard the bad news about Lin Jun, she muttered in her heart. "Does our boss know that you are not leaving?" Lin Ying leaned back on the sofa, and his heart was beating a little. If the boss asked her to accompany her, she really wouldn't be able to go home for the New Year.

Lin Ying's home is in Langfang, not far from Beijing, an hour's drive away. Originally, I planned to drive Lin Jun to the airport to pick up my boyfriend, go to the mall to buy something for my parents together, and then go home to see my parents together. She and her boyfriend have been dating for almost a year and have never brought it home. In the past, when she went home during the Spring Festival every year, she couldn't stand the interrogation of her parents and seven aunts and eight aunts, but this time she brought her boyfriend home to block the mouths of those relatives and friends, and her heart was beautiful: I can finally go home proudly this year.

"I just decided, I haven't had time to tell you about it yet?" Lin Jun put his mobile phone on the coffee table and stood up after speaking, and said euphemistically: "I'd better go and pour you a glass of water." He walked to the table next to him.

"I don't think you need to tell your boss about this, don't affect his holiday. Lin Jun explained softly while pouring water: "This is my personal matter, so I just want to tell you this sister." He walked back to Lin Ying, handed the water to Lin Ying, and asked tentatively, "It depends on whether your sister is willing to accompany me!"

He Wenquan stood helplessly in the garden looking at the gray sky above him, and at this time he suddenly remembered the conversation he had with Brother Jie when he was soaking in the hot spring in the ravine behind the Dafa Temple.

Dafa Temple belongs to the ancient town of osmanthus in Jiang'an City, built on the top of a sunny slope in the valley behind the ancient town of osmanthus flowers, the terrain is open in front of you, and a bluestone paved path has been winding into the mountain forest, until the foot of the gate of Dafa Temple.

Dafa Temple is dedicated to the heart lotus monk Yinghua Patriarch, the earliest temple built in the age has not been able to investigate, only know that the original temple was burned down at the end of the Ming Dynasty.

Dafa Temple, also known as the Big Buddha Temple, the Great Temple, is the first of the eight temples in Jiang'an City. Because of its large temple, high Buddha and long history, it is famous. In particular, there is a "Big Buddha Temple", which is known to all women and children in the city.

The temple since the Qing Dynasty Kangxi Jiazi year Zhu Mao open the number of rafters, to Yongzheng seven years by the heart of the lotus monk from the Zhaojue Temple to this order, because there is a deceased monk tablet tower in the temple left, know that this ancient temple belongs to the Zen Linji lineage, then the heart is revitalized. The ninth ancestor Xinlian monk was the founder of the mountain, and the 10th fax and the 11th Haiwen were able to keep it; The 12th Yin Guang and his senior brother Yin Zong and the disciple Zhengwen worked hard to accumulate and cooperate in management; Dharma halls, fine houses, Zhailiao and pagodas are decorated with gold and stone stones. In the thirteenth text, the era of the patriarch is the vast number of Buddhism, please get the holy decree to receive the three great precepts. In the early years of Xianfeng, the fourteen ancestors Lingfeng placed 2,000 acres of land again, belonged to two nunnery, and in the early years of the founding of the People's Republic of China, the temple hall monk house size 24 courtyards, 365 houses. **In 1972, the catastrophe of Dafa Temple was inevitable, and most of it was demolished, and only 61 rooms remained in the scripture building and surrounding buildings. Although most of the original grand pattern of Dafa Temple has been destroyed, the Tibetan scripture building and the boat-shaped stone boat-style Putong Pagoda still have high value for the study of Buddhist culture and architecture.

Dafa Temple used to be a Buddhist temple shared by the people of Jiang'an. In the incense burner, there is the incense they worship; In the large stone jar of the treasure, there are the coins they have put in; There are knee marks on the futons; There are their footprints on the threshold of the main hall. In ancient times, Jiang'an people left their admiration here, their hope here, and their good memories here, and the bell rang with a pestle and a pestle, giving them peace, happiness and strength. The people have integrated themselves into the temple. This is something that no other temple can do.

About 2 kilometers behind Dafa Temple, there is a depression surrounded by green hills on all sides. More than 10 hot springs gush out along the stone crevices at the end of the mountain or at the foot of the mountain, forming large and small hot spring pools. Most of the good men and women who go to the temple like to soak in the hot springs before offering incense, and go to the temple to worship after bathing and changing clothes. This way of life has become an indispensable leisure mode and spiritual sustenance for modern Jiang'an people's holidays.

When Brother Jie worked in Jiang'an, he naturally integrated into the life of Jiang'an people. Until the years of working in the provincial capital, this is also his favorite place to come, and many of the problems he encountered are here to think of solutions.

"Xiao He, you have been running a business for a long time, can you tell me the difference between capital and assets?" Brother Jie asked amiably as he sat by the hot spring pool, pouring spring water on his chest with a wooden ladle that exposed a row of sternums.

"I believe that capital is money and assets are goods. He Wenquan was suddenly asked such a question by Brother Jie, and he didn't know how to answer it for a while, he originally graduated from Normal University, and his knowledge of economics was basically zero, and he was able to come to this day entirely thanks to his good at interpersonal relationships. In addition, he has a very high financial quotient, and he is the first batch of people who resigned from the reform and opening up to go to sea, and caught up with the good opportunity for China's economy to develop vigorously. In his own words, "I have caught the train of the times!" and replied very self-consciously according to his own understanding.

"Nowadays, many business owners have not seriously studied this problem, and they are focused on the idea of a large number of financing loans and rapid expansion of enterprises. Some people make money in a daze, and some people bring down the business in a daze. Brother Jay shook his wise head gently.

"Brother Jie, tell me about it, I really haven't figured out what the difference between capital and assets is?" He Wenquan asked politely, but he thought in his heart: Even if you figure it out, what is the use of birds? Can it be eaten as food? It is better for you to help me borrow money with a word. The reason why I said this was completely out of flattery to Brother Jie and to please him.

"You know what? Capital is not just money, but money that is put into the operation of the business to flow. Capital is value that can manifest itself in various forms. It can be a thing, it can be tangible, it can be intangible, but it has to be valuable. Brother Jie glanced at He Wenquan, and said in an accentuated tone: "Capital is the value that can bring about value multiplication, and capital can only be called capital if it has the ability to multiply." ”

He continued: "Capital and assets are two completely different concepts that represent completely different connotations. Asset: Asset, which is an economic resource used by an enterprise to engage in production and business activities to bring future economic benefits to investors, appears on the left side of the balance sheet and is owned by the enterprise. The so-called legal person property rights of an enterprise refer to the ownership of the assets under its control. Different from capital, the English of capital is Capital, which is the source of funds for the enterprise to purchase the assets required for production and business activities, and is the investor's investment in the enterprise, which appears on the right side of the balance sheet, it is debt capital and equity capital, which are owned by creditors and all shareholders of the company respectively, and the enterprise does not have ownership of its capital. Brother Jie got up and stood up, scooped a scoop of water from the hot spring pool, and splashed it into the distance. Then he looked at He Wenquan and said: "As long as you understand the left and right sides of the balance sheet, your financing problem can be easily solved." ”

He Wenquan didn't expect that this "old third" junior high school student would say such professional words, and he was in a fog for a while. He thought to himself, "Is it really as suspenseful as he said?"

The 1.50 million yuan that He Wenquan later borrowed from Governor Zhang of the Provincial Bank was only after he came back, after he carefully studied the difference between capital and assets and understood the balance sheet, he made a new set of loan materials and then loaned the money out of Governor Zhang. Facts have proved that Brother Jie's words made him suddenly enlightened, and he only had a real understanding of capital operation since then. That night's hot springs soaked him in the hot springs and kept him useful for the rest of his life.

He Wenquan often thinks of this incident, and always sighs: It's really a heavenly opportunity that can't be revealed!

He Wenquan withdrew his gaze from the gray sky above his head, and there was a bit of determination in his gaze at this time. He called the company's chief financial officer: "You send me the company's latest financial statements and a full set of bank loan information immediately. ”

He Wenquan thought about the truths that Brother Jie said, and once again felt the power of knowledge. I thought to myself, if Brother Jie didn't have a problem, he was really a mentor and friend, so he was a little more grateful, but at the same time he hated those greedy characters like Brother Jie.

Untimely questioning will not lead to revelation, but will only create confusion and hinder your actions. Only say what makes you feel strong, and only do what makes you proud.

A bolder plan for quick financing emerged in Ho's mind, and he was thinking about how to use assets to draw a bigger pie without capital, so that the farce that might arise for those suppliers could be settled after the holiday, and at the same time, it would be easy for Beijing's financial tycoons to enter quickly.