Lin Hui now earns tens of thousands of dollars a month, and feels unrealistic, Feng Yiping earns at least millions a month, but now he seems to want to borrow money, no, professionally speaking, it is financing.

Other companies are not short of funds, what is lacking is Yijia Hotel.

But the development of Yijia Express Hotel is very fast, and now it is planning the twelfth store, except for the first store to buy the property rights, the others are rental properties, but the average per store, the renovation cost is also more than 3 million, although the current account is still relatively abundant, but according to the current development trend, it is expected that the funds will be tight after half a year.

If you don't have confidence in the financial status of the enterprise, if you don't have a few banks chasing after your ass to extend credit, you can borrow money from the bank for the first time, and do this work half a year in advance, it can't be said to be very abundant.

Later, Feng Yiping only opened a small company, and he was very conscious, so he didn't go to the bank to ask for fun at all.

When a man feels the most frustrated, in addition to being rejected by the goddess, he spends a lot of time and energy preparing and submitting a lot of information to take out a loan according to the bank's requirements, and then he says very politely and lightly, "Your company does not meet the loan conditions of our bank!"

You thought you could mix it up, but at that moment, you definitely couldn't straighten your waist.

But now it's different, several banks are doing work, scrambling to get them loans, they didn't dare to ask the bank before, but now the bank is begging for themselves, Feng Yiping has a feeling of turning over.

In the conference room of Yijia headquarters, after flipping through the thick information, Feng Yiping said, "I don't have to look closely, zero debt, abundant cash flow, the lowest growth rate of main business income is more than 50%, on average, the metal products company with the lowest operating efficiency." The operating profit margin is also above 15%, and the valuation of fixed assets is also above 300 million.

Everyone sitting laughed, the company has never been short of money. This year, it is mainly because I also bought a piece of land in Hainan and prepared to build a hotel, and Yijia's progress is too fast, so there may be a funding gap in the second half of the year.

"What is the one-year interest rate?" Feng Yiping asked Li Lin.

"The banks are more or less the same, with the lowest at 5.35,"

Feng Yiping has a little pain in the flesh, if he borrows 200 million yuan and has a year's financial expenses, he can also buy a current top villa in the capital.

He is on the books of UBS in Hong Kong. There are still nearly 50 million US dollars, and as long as they are invested in, they can be turnover, but it is easy for funds to come in, but it is difficult to get out, especially the US dollar, which comes in US dollars and can only go out in RMB.

Again. Although the money is idle now, it only needs to be used once. It can bring high returns, and the start-up funds for other projects in the future will still rely on the financial market, and they still can't be moved.

"Make preparations with both hands, don't rush to get a loan first, and hang those banks who are in a hurry. Let's do another thing first, Mr. Li," he instructed Li Lin, "you start right away and set up a fund management center." The main function is to raise, distribute, use, manage and supervise the funds of the subordinate companies in a unified manner, so as to maximize the efficiency of capital use.

At the same time, we should do a good job of explaining to the affiliated banks and the industrial and commercial departments, so that the companies can make internal deposits, internal loans and repayments in the fund management center in the future, and I guess they will definitely ask for this to be paid, right?"

Companies and individuals are different, like we find friends to borrow money for emergencies, it doesn't matter if we don't pay interest, but the company is different, not to mention the account fund withdrawal procedures, even if it is the same boss, the financial transactions between affiliated companies, if not handled well, such as not charging interest, then there is the possibility of tax evasion or evasion of funds.

"With our current relationship, the work of the banks and the industrial and commercial sector is easy to do. We can refer to the bank interest rate, appropriately raise the capital occupation rate of internal deposits, appropriately lower the occupation rate of internal borrowing, and will not leave the deposit and loan interest rate in the management center.

However, this work is a lot of work, the formulation of relevant processes, it takes time, it also takes time to sort out the accounts of each company, at the same time, this will also add a lot of accounting subjects, in addition, about the management of financial processing and statements and reconciliation, it is best to let Zhitong company add relevant modules on the financial software. Li Lin thought about it for a while, and then answered Feng Yiping's question completely.

"Mr. Hong is also here today, software problems, you communicate with him yourself, four to five months, can these be straightened out?" Feng Yiping asked.

Li Lin thought for a moment, "It's okay on my side,"

Hong Haoran said, "Just add some modules, it won't take more than two months,"

"That's good, now let's count how much surplus each company will have in the next half of the year, my side, the magazine in Hong Kong, can draw at least 20 million at that time," he said the income of the Chinese version, as for the advertising revenue of the English version, it is settled in US dollars, and he does not want to move it for the time being.

"It's no problem for the decoration company to pump out 30 million, not including the cabinet factory, and the furniture factory can also pull out 10 million," Mr. Mei said.

"After deducting the expenses of opening a branch in the United States in the middle of the year, Zhitong Company will be able to draw at least 10 million by then,"

"Youjia's pace of expansion has not stopped, but the cash flow is abundant, and it is no problem to withdraw 20 million,"

"Mr. Xu, on your own hotel side, how many hotels can be open by then, and how much is it expected to be able to make blood?" Feng Yiping asked Xu Bin, the express hotel is not a convenience store, and now the convenience store has less than a month from preparation to business, and a branch of Yijia, from the preliminary preparation to the official opening, will take at least one quarter.

"By then, we will strive for the official opening of 15 stores, based on the current average occupancy rate of 63%, plus the Jiasheng Hotel that will open after the National Day," Xu Bin pressed the calculator, "between 25 million and 30 million,"

"According to 20 million, this does not include logistics companies, metal products companies and other companies, everyone here can draw 110 million after half a year, a 6% discount, and more than 65 million, that is, if you plan properly, at least this year there is no need to finance from the bank. Feng Yiping stared at Li Lin.

"Ideally, that's the case," Ms. Li said.

"Well, I have officially decided that the financing matter will be suspended, and another discipline will be emphasized, even if you want to borrow money from the bank, the fund management center will be responsible for it, and the loan will be repaid, and the companies shall not contact the bank privately. In this way, Feng Yiping was very happy to save another villa.

"Also, Yijia's website should be established as soon as possible, and strive to achieve online booking in the second half of the year, and the membership system will also strive to be put into use as soon as possible, various promotional activities, such as booking through the 400 telephone now, consider giving appropriate discounts, as for whether it is 98 or 95% off, you should consider it yourself, in short, do everything you can to improve the occupancy rate and enhance your own hematopoietic function," This is a project he is going to go public, and he can have blood transfusions in the early stage, and he should use his own funds to build a new branch in the later stage, just like Youjia.

"Yes, these are all in a hurry, and our budget is that as long as there are 30 stores in operation, we will be able to expand on our own funds. Xu Bin said.

"Well, while I'm still here, let's talk about what problems there are besides funds," and the big problem was solved, and everyone relaxed.

Gao Zhiyi opened the door and asked the two girls outside to come in to refill everyone's teacups, Feng Yiping didn't notice that one of them was the eldest of Feng Jiasheng's beautiful nieces, Liu Yuanyuan. (To be continued......)