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Before Liang Yuan came back from Shenzhen, Shengjing had just snowed heavily, and the Nanhu Park next to the Science and Technology Park was covered in snow, and several circular skating rinks were cleared out of the frozen lake thousands of meters wide.

After more than two months of construction, the Nanhu Science and Technology Park has begun to take shape, and only a beige three-story office building was left in the original printing factory building, and the rest was stripped off by Liang Yuan and replaced with a white flat-roofed building with a steel structure.

Liang Yuan took the coffee, leaned on the heating in Su Liangyu's office, looked at the scattered pine trees outside the window and said, "Old Su, did you say that this tree is a little densely planted, I think a few should be cut down." ”

"It's best not to let your uncle hear this. Su Liangyu said with a smile. "It's not like you said in the summer, you can't cut as many trees as possible, and it's better to see green all year round. ”

"Haiping wasted the boss's strength to bring this batch of pine trees transplanted from the side of Qipan Mountain to life, you actually said to cut down a few" Su Liangyu looked at Liang Yuan and laughed a few times.

"Lao Su, you shouldn't tell the truth," Liang Yuan said with a smile.

"I don't have that idleness. Su Liangyu said with a smile.

"But Xiaoyuan, why are you so idle today, and stay here with me for an afternoon. Su Liangyu asked curiously.

"I have two good news and one bad news, which one does Lao Su plan to listen to first?"

Su Liangyu laughed and said: "I used to be a famous person who had a three-day salary, of course, I had to listen to the good news first." ”

"The good news is that we have successfully taken a controlling stake in a bank and that the double-decker underbody of the Tohoku Locomotive Factory has successfully passed the ring line test in the guò department. Liang Yuan said with a smile.

"The holding bank has you done it so quickly. Su Liangyu said in surprise.

Su Liangyu, who has been in the United States for many years, understands the role of banks very well. If you look at the Wall Street that controls the U.S. economy, you can see the power and role of banks.

Liang Yuan nodded and said: "Lao Su, study with peace of mind, as long as the real room can be done, we will find someone to invest in production, and we have completed the two links of production, learning and research."

Su Liangyu rubbed his hands very excitedly and said, "This news is simply too good, Xiaoyuan will talk about the bad news." With this good news as a foundation, it doesn't matter what bad news is. ”

"The bad news is that the bank is very, very, very, very poor, even poorer than we are. Liang Yuan said with a wry smile.

The newly created Shenzhen United Credit Bank can be said to be a blue thread. At present, there is only one cash truck in the entire bank, which is still converted from an ordinary small truck. There are not enough cash trucks, when a branch needs to retrieve cash urgently. The vault keeper even uses a bicycle to transport it.

Before the Union Bank changed its headquarters, the vault was cramped and there was no space, and some small denominations of banknotes had to be kept in the homes of employees. The bank's security department is even more shabby. There are only seven people in the entire security section, including five guards in the 24-hour treasury and only two people escorted by cash. The entire armed force of the Security Section consisted only of five 54-style pistols and 100 rounds of ammunition borrowed from the Municipal Public Security Bureau.

The most shabby thing is that Shenzhen United Bank has the name of a bank, and the depositors' deposits of the whole bank plus Liang Yuan's capital injection are barely more than 100 million yuan in cash, and the bank cannot lend money without money, and if it cannot lend, it cannot carry out all kinds of ensuing financial business. Where is the profit from not doing business, the happiness of the success of the acquisition of the United Bank Liang Yuan only enjoyed one day, and the next day he watched Liang Haiping take it to himself, and the United Bank was extremely miserable.

China CITIC Bank and China Merchants Bank, which have also just been established, have more than 10 billion yuan of funds deposited by overseas Rong families at the initial stage. belongs to the rich second generation of flowing oil, which is not comparable to a poor child like Liang Yuan at all. Shekou Industrial Zone, which is backed by reform and opening up and is the first to allow foreign capital to build factories, has the ability to collect deposits and save eight streets from the United Bank.

In particular, China Merchants Bank, which had more than 100 million yuan of its own funds at the beginning of its establishment, and its headquarters is also in Shenzhen, is the most direct competitor of United Bank.

Due to policy restrictions. In the previous life, Shenzhen Development Bank and China Merchants Bank could only nest in Shenzhen in the early days of their establishment, but China Merchants Bank seized the opportunity of the country's development of Wusong Pudong in 91 years, and with the support of Yan Hongji, the iron-faced prime minister of the Republic of China in the future, it broke through the confinement of regional joint-stock commercial banks and could not open branches in other provinces and cities. The first non-local branch was set up in Wusong, and it has soared ever since. The Shenzhen Development Bank, on the other hand, did not obtain the same qualification until seven years later.

So far, the two banks have embarked on different development paths, with China Merchants Bank among the top 100 banks in the world, while Shenzhen Development Bank was acquired by Shenzhen Ping An Group and withdrew from the historical stage.

For Liang Yuan, if he doesn't want to be acquired by the deep development in the future, it is the easiest way to clone the old road of China Merchants Bank to forcibly open a branch in a different place. However, China Merchants Bank was able to impress Yan Hongji, the mayor of Wusong City at the time, by relying on the 6.4 billion funds in his hands. At that time, China Merchants Bank promised to invest several hundred million yuan in projects in Pudong and provide a large amount of financing to enterprises settled in Pudong.

If Liang Yuan wants to clone the method of China Merchants Bank, the biggest obstacle is that there is no money, and in just four years, the funds that can be controlled by the United Bank have skyrocketed from 100 million to more than 600 million, which is not an easy task.

Liang Yuan told Su Liangyu about the current situation of Shenzhen United Credit Bank. Then he sighed: "Lao Su, do you say that there is such a poor bank? Even the money of the depositors and the bench of the janitor are counted, and the total assets of the entire bank do not exceed 130 million. ”

Su Liangyu nodded with affection, the microelectronics room he established in Nanhu has invested 30 million now, and 40 million will have to be invested in the construction of an independent device room next year, and these alone have half of the bank's assets.

"I asked my uncle to go to the road bureau to cheat money in the afternoon, and it's not interesting to stay in the 909 community, so it's better to go to Lao Su's side. Liang Yuan took a big sip of coffee and said.

"Go to the road bureau to cheat money?" Su Liangyu looked at Liang Yuan in confusion.

Liang Yuan held the cup, looked at the black Volga who had just entered the science and technology park from outside, and said, "Uncle is back." Lao Su will know in a while. ”

"Lao Su, come and see, this black Volga will be rationed to the Science and Technology Park, you will temporarily share one with the Gas Turbine Research Institute, and you can come over next month. In the future, you can call the administrative department directly with the car. ”

"Oh, in the future, we will also enjoy the treatment of cadres at the department and bureau level," Su Liangyu said with a smile, and five minutes later, Liang Haiping pushed the door and entered. Liang Yuan circled around Liang Haiping and said, "It seems that Uncle has achieved good results." ”

"Xiaoyuan, where do you see that the results are good. Liang Haiping asked while hanging his coat.

"If it weren't for speculation, Uncle would have come back a long time ago, it took so long. It must be in the right eye with the road bureau. Liang Yuan said affirmatively.

Liang Haiping looked at his extremely shrewd nephew, shook his head and said with a smile: "Xiaoyuan, you have so many eyes in your heart now. What if I don't grow taller in the future?"

"It's better to be taller than Jiajia. Liang Yuan replied casually, but he regretted it as soon as he said it.

Looking at Liang Haiping and Su Liangyu, who were laughing so much, Liang Yuan put the cup against his forehead and rolled his eyes helplessly.

After the two of them had laughed enough, Liang Yuan asked, "Uncle, what did Liu Changhe say?"

"As you guessed, let me contact the trust and investment company in Shenzhen," Mr. Liang said.

"Xiaoyuan, what trust company do we have there, saying that the production of forty groups this year will cost at least more than one billion. Where are we going to raise the cost of production? ”

"Uncle, you still see the cost estimate given to you by the finance of the car factory some time ago," Liang Yuan asked Liang Haiping nodded.

"That thing is useless" Liang Yuan waved his hand vigorously and continued: "It's just a number game, and in special cases, it can only be referred to and not taken seriously. ”

"Uncle. In my eyes, the cost of the double-decker car is three raw materials, water, electricity, labor, and the rest of the taxes, depreciation, etc., don't consider it first. ”

If you play the asset game, the equipment imported by the Northeast Locomotive Factory from the army is worth at least 600 million, and the double-decker car bottom is almost 100 million. Of course, the 243 nose can also be involved, including the investment in the East German shopping center, and all the East German introduction projects will be merged into a package agreement, so that four or five hundred million can be calculated. The annual depreciation of the assets of the Northeast Locomotive Factory alone is hundreds of millions of yuan, and according to the formal financial statements, these must be included in the cost of the double-decker car bottom.

The price of the double-decker bottom car of the Nanjing plant is 2.8 million yuan, because the Nanjing plant cannot produce steel, wheelsets and bogies by itself. The double-layer bottom of the Nanjing factory, the steel body of the car is produced by Wuhan Iron and Steel Plant, the train wheelset is from Ma'anshan Iron and Steel Factory, and the bogie is provided by Changchun Bus Factory.

The cost of these three raw materials and components of the Northeast Locomotive Factory is only the price of purchasing 160 tons of iron ore from the Benxi Nanfen Mining Bureau at a price of 200 yuan/ton.

The entire Northeast Locomotive Factory and the introduction of car bottom technology in East Germany are almost all assets that Liang Yuan turned out empty-handed, except for all factors, the real cost of a double-layer car bottom of the Northeast Locomotive Factory, labor, materials, water and electricity consumption add up to only 700,000 yuan.

"Uncle, I told you to go to the Road Bureau to talk about marshalling leasing, in fact, it is to see the profits held by the Road Bureau this year, since Liu Changhe is interested in this mention, it means that the Road Bureau has made no less money this year. ”

In 1987, the two barrels of oil that ranked second and third in the profitability of central enterprises in the later generations were still drinking the northwest wind in the wasteland, and the most profitable 10086 was not born at all. The Daqin Railway, which transports coal, has just been opened to traffic, the Shenhua Group, which made its fortune from coal mines, is still nesting in Shanxi, and Changchun FAW is still honestly producing the old liberation. In addition to the iron boss who is bullish and coaxing, there are really not many enterprises in the country that can come up with hundreds of millions of cash.

"Uncle Xiao of Shenzhen Union Bank also knows that there is an extreme demand for funds. Therefore, I plan to get hundreds of millions of dollars from the Road Bureau and deposit them in the Union Bank, so that it will be much less difficult for the Union Bank to start. How much money can Liu Changhe come up with this year?" Liang Yuan asked curiously, using 100 yuan to earn 400 yuan and using 500 yuan to earn 400 yuan, the difficulty of the two will be a world of difference.

Liang Haiping stretched out four fingers and shook them. Liang Yuan looked at Liang Haiping's fingers and breathed a sigh of relief, 400 million a year, 200 million in five years. When the country developed Pudong in 91, he brought at least 1.6 billion yuan to Shenzhen Union Bank, and if the rest of Lin Jian couldn't handle it, he wouldn't want to sit in the position of president of Union Bank anymore.

"Uncle, I have estimated that the production cost of each double-decker car is about 700,000 yuan."

"Xiaoyuan, what you said is the cost of pure raw materials, and it is unscientific to treat it as a cost," Liang Haiping said.

"Uncle, when have these things I done in the past half a year been scientific?" Liang Yuan asked with a smile.

Seeing that Liang Haiping shook his head helplessly, Liang Yuan continued: "Forty marshalling requires a production cost of about 500 million yuan, and the car factory can produce three marshalling groups every month. ”

"Uncle, it turns out that the road bureau that was divided from the depot has agreed to merge, right?" Liang Yuan asked, "Well, agreed." Liang Haiping nodded.

"The employees who were assigned had to run in with us for a while, and they couldn't use it for the time being. Liang Yuan muttered.

"To maintain the production and operation of the locomotive factory, only 30 million per month is enough, uncle, next year, the fertilizer profits of the Suifenhe market every month will be handed over to the locomotive factory for the production of double-layer car bottoms. Liang Yuan said.

"The funds from the road bureau's leasing of the car are deposited in the Zài Union Bank for the bank to carry out financial business. ”

"Xiaoyuan, such a locomotive factory will lose money on the books. ”

Liang Yuan laughed and said: "Uncle, that's not called a loss, it's called accounts receivable, how can there be a package to make money in an enterprise, there is no risk, didn't Comrade Liang say it when he contracted at the beginning, as long as he ensures that the employees are funded, they will toss it casually." ”

"Besides, I didn't say that the leasing company didn't give money to the locomotive factory, but after a while, as long as there is no problem with the bottom of the car, the purchase money will be transferred to the locomotive factory's account sooner or later, and the bottom of the car must run 300,000 kilometers without major accidents, so it will be officially finalized by the Ministry of Railways, and the money will be given a few days late, which can make sense and reason. ”

Only then did Liang Haiping understand that Liang Yuan had made such a big circle, and the fundamental purpose was to pull deposits for Shenzhen United Bank.

For the workers of the locomotive factory, as long as the current welfare benefits can be maintained, no one will care how many accounts receivable the factory has.

As for the Ministry of Railways, both the locomotive factory and the road bureau have enough independence to promote the realization of the leasing plan, so even if there is any opinion, it can only wait and see for the time being.

"Uncle, next year, the locomotive factory will suffer a huge loss, and there will be a lot fewer flies to fight the idea of the factory, and the only loss is probably the outside world's evaluation of Uncle's ability, which will be reduced a lot at that time. Liang Yuan said with a smile

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