"Do you want Citibank to give you an asset appraisal report, what are you going to do about Anjie?" Guo Jijie frowned, is this preparing to go public?

But Anjie Company has only been in operation for one year, and the number of years is not enough at all, how can it be listed? Besides, haven't they also discussed it before, and Anjie Company does not need to be listed for financing for the time being?

Listing financing is a means to expand corporate funds, and at the same time the company's power will not be left behind, the disadvantage is that the company's accounts need to be disclosed to all shareholders.

Even dividends or something are not as convenient as they are now. If you want to raise money, there are actually many other ways, and you don't necessarily need to go public.

In the future, many companies will be forced to go public, and they will be forced to go public by those venture capitalists. Venture capital is waiting for your company to go public, the stock price soars, and then cash out for a profit, you don't go public, just wait for dividends, when can you get back your investment? When can you really make a profit?

"I want to take out a loan. Need an appraisal report and then mortgage with my equity in Anjie. Wang Haoan did not hide this.

"Do you want a loan again? Dividends are not enough? You can use dividends to repay the loan of Manhan Food, and then use the assets of Manhan Food to mortgage the loan." Guo Jijie and Wang Haoan began to think of the same way.

He also knew that at this time, the interest rate of loans in the mainland was very low, and it was actually very cost-effective to use loans to invest. He just didn't find any good projects, and if he did, he would definitely take out a loan from a mainland bank if he lacked funds.

Even the Guo Group, which his father controlled, is obviously so rich and still has a loan in the bank, which is also a way to maintain cooperation with the bank, and even many companies in Europe and the United States have such a saying, never pay off the bank loan, as long as you maintain your credit, it is actually more cost-effective to develop from the bank.

Even the companies controlled by many people owe a lot of money to the bank, but they have more other assets in their personal names than they have loans, and they will not take them out to pay off the loans.

But the mainland loan is very simple now, just find a leader of the banking system, isn't it easy to lend more money, need to go to Citibank or something to get an appraisal report?

"I want to borrow more, and the mortgage of Manhan food is not enough. Unless someone is willing to vouch for me, you can't, your net worth is not enough. Wang Haoan directly interrupted Guo Jijie, who wanted to speak.

Guo Jijie is a little depressed, I am not even qualified to give you a guarantee now? I am a dignified Xiangjiang Guo family, well, just a private ~~ child who does not have the inheritance rights of the Guo Group.

But my net worth is not low, how much do you want to borrow, I will guarantee you, and your company's mortgage is not enough?

"You want to borrow a lot, do you have any good investment? I will also participate in a share to help you reduce your risk." Guo Jijie was a little moved. The three investments he cooperated with Wang Haoan have very good prospects.

"I just want to expand Manhan Food, and I plan to build a branch factory in the south, and at the same time open some new projects to produce a kind of noodles. ”

Guo Jijie couldn't believe it, did he hear it wrong? He can understand that the ham sausage, as well as the pot and nut crisp are all good, and there should be a market for promotion.

It's just that what the hell is it to produce noodles, how much profit can noodles make, and how much money can you make even if you make the largest noodle factory in the mainland?

Besides, noodles can be produced in any small workshop, and it is not cost-effective for you to promote the brand, this one is expensive, and no one will buy it.

"You're not kidding me?"

"Of course not, my main loan this time is to invest in this noodle. There is also the fact that I want to invest in other companies, and the loan is more cost-effective now, maybe there will be some changes in the bank loan policy after a while. ”

In the previous life, this year, the bank's policy changed abruptly, because some people found that the banks had too many non-performing loans, and more and more people were taking loans.

While some people have developed because of their loans, many more have lost money or squandered their loans, and some changes must be made to curb inflation by raising interest rates.

Originally, Wang Haoan could wait, first loan 20 million, enough for him to invest in Li Twist Sports Company, at the end of the year, with the profits of Anjie Company, plus a loan, you can buy equipment, build a factory, and then use the new factory mortgage to obtain the working capital for the development of Manhan Food.

Just like AnJie's expansion method, to build a branch factory and take out a loan, you only need to have the money to invest in the first branch.

However, if the bank tightens its monetary policy and its lending is restricted, then this method will make his liquidity less and less, or even less developed.

The company wants to launch a new project, purchase equipment, build a factory, purchase raw materials, advertising and promotion, each of which requires a lot of money, at least tens of millions, in order to ensure the success of the project, to ensure that the first few pioneers can be suppressed, so that the latter can catch up.

Now that this market has been developed, if he continues to wait, I am afraid that he will be acquired and merged by these giants like several peers in the future.

What's more, taking out a loan now is more cost-effective than refinancing at the end of the year, with a few months more interest, but less, so why not take out a loan now?

If it weren't for the fact that Citibank's business in the mainland was not comprehensive at this time, Wang Haoan would not have had to come to Guo Jijie to help introduce Citibank executives in Hong Kong.

As for borrowing directly from Citibank, he didn't do that. Citibank's interest rate is much higher than that of ICBC, and there are low interest rates, why should it be high?

Hearing Wang Haoan say this, Guo Jijie's eyes were also rolling rapidly: "Is the news you said reliable?"

"Very reliable. And in fact, banks in most countries will tighten monetary policy when inflation, which you can know by consulting a random professional. What, you have an idea?"

Of course, Guo Jijie has an idea, since the interest rate on bank loans is going to be raised, why don't he take the opportunity to borrow a sum of money? There is also the Manchu and Han Brothers Restaurant Group, which can also borrow a sum of money to expand and rapidly carry out the national layout.

But in this matter, he still has to ask Lao Dou, at the critical moment, he will not pat his head to decide. Talk to Lao Dou about his thoughts, let Lao Dou give some advice, and let Lao Dou see his progress.

"This matter is left to me, I will ask someone from Citibank in Xiangjiang to issue an asset appraisal report to our AnJie company through my family relationship, this report will evaluate the company's assets to the highest, our channels, business expectations, brand value, etc., but it will also reflect our company's debt ratio. ”

"It doesn't matter, this is only a reflection of the state of our company at this time, and in a year's time, everything in the company will change dramatically, and this report will not affect us much. It's just that you can guarantee that this report will not be sold to anyone else?"

"I can't guarantee this, but I think Citibank's reputation is still good, after all, they are the world's top commercial banking institutions, and they may be used internally, and they will not be sold to the public. ”

The bigger the company, the more important the credibility.

"Okay, then I'll leave it to you, how much money does it cost, you tell me, my only requirement is fast. ”

Poor four said

Thanks to Miz731 for the 1,500 coins tip, thank you. There is more to come