Seeing that Qi Weimin and Hu Yiting were talking happily, it could be heard from his words that Hu Yiting was extremely eager to serve, and Yuan Luli was really happy in her heart, and prepared a fruit plate for the two of them to use.

"Xiaohu eats fruits, tastes this mangosteen and mango, I just bought it today. It's good to live in the south, there are a lot of fruits, and they are big and sweet. ”

Hu Yiting thanked him repeatedly, and inserted a peeled mangosteen with a toothpick and put it in his mouth.

"It's delicious, it's so sweet. ”

Qi Weimin also picked a slice of cut mango and put it in his mouth.

"Min Province has very good natural climatic conditions, has the reputation of the hometown of fruits, and Fuzhou has convenient shipping, which can also be seen in the fruit market from Southeast Asia. Xiaohu, if you love fruits, you can live here for a year, and eat all those lotus mist, star fruit, mangosteen, bara, durian, olive, oil, loquat, lychee, longan, bayberry, papaya, ginseng fruit, rambutan, dragon fruit, etc., so that you can understand what it means to be a Lingnan person. ”

Hu Yiting said with a smile: "Great, I drooled when I heard you say this, and when the wafer factory is ready to be built, I will definitely come and live often." ”

Yuan Luli said with a smile: "I told Tong Mu, let her come and live for a while during the summer vacation, and you will come with her when you come back." ”

Hu Yiting readily agreed.

After eating the mango, Qi Weimin asked Hu Yiting: "If you invest in the wafer factory, do you need loan support?

Hu Yiting said that the key point came, and hurriedly said: "Our Chongguang asset-liability ratio is not high, and the liquidity is abundant, but if the bank's conditions are okay, we still hope to borrow a part of the money." ”

Qi Weimindao: "Domestic investment projects, the city's three-year loan interest rate is generally 9% to 10%, if it is approved to meet the country's urgent need to develop high-tech industries, the province will give 30% interest subsidy, so that the interest rate is lower than the one-year loan, I think this policy is still very favorable, this approval will not be a problem for you to pass." ”

Hu Yiting said with a smile: "It's very good, but I don't know how much I can borrow? Our wafer factory project in Puhai is jointly lent by the seven banks of Pudong Development and Puhai, Puhai and Bank of China, and the five-year project loan ratio is as high as 80%, half US dollar and half RMB, and the Puhai municipal government has also launched a special loan for science and technology for us, although there is no interest subsidy, but the interest rate is only 7.2%. ”

Qi Weimin nodded and said: "I know that the flash memory wafer factory you invested in Puhai was specially approved by President Jiang, and Puhai is the most financially developed city in China, and its economic strength is stronger than Fuzhou and even the entire Min Province, which our province is not comparable to."

Do you know how much the entire Fuzhou Science and Technology Development Zone borrowed last year? It was only 87 million yuan! Even if you only borrow 30 percent for an investment project of 2 billion yuan, it will cost 600 million yuan! This is seven times higher than the amount of loans in the entire science and technology development zone last year!

Hu Yiting said frankly: "With Chongguang's current own funds, we can fully meet the needs of this project, and if the province is in difficulty, we can do it alone." ”

Qi Weimin smiled approvingly at Hu Yiting, pondered for a while, and said, "I'll ask you tomorrow to ensure 30% loan support for you, and fight for it again to see if you can increase the proportion more."

You must know that the best loans nowadays are infrastructure investment and real estate projects, even 80% of the banks are willing to lend, and many of the foreign investment introduced by Fuzhou last year are real estate infrastructure investment projects.

In addition, Taiwan businessmen and overseas Chinese have invested in many agricultural and sideline processing and aquaculture projects in Fuzhou, and it is relatively easy to get loans for agriculture as an industry supported by the government; there are also various manufacturing and processing industries invested by foreign businessmen, such as picture tube factories, computer motherboard factories, auto parts factories, and vehicle assembly plants, and the costs of plant and machinery and equipment are relatively easy to calculate, and it is also easier to get loans.

Although the science and technology industry has government support, the loan amount and loan ratio are generally not high, mainly because the risk is difficult to control, the market technology is updated too fast, and the prospect of scientific and technological achievements is unpredictable.

However, such a large investment as your Chongguang is a high-tech cutting-edge industry like chip manufacturing, and our province must vigorously support it. ”

Hu Yiting said: "Thank you Uncle Qi for your support." ”

Qi Weimin smiled and waved his hand: "Support each other, since you choose Fuzhou to invest, we will give you the best investment environment possible, financial support is indispensable." ”

Hu Yiting cheered him up and said: "Uncle Qi, don't worry, we Chongguang are confident that we will do a good job in this project, and use success to repay Uncle Qi and the province for their care and trust in our Chongguang." The integrated circuit industry is a technology- and capital-intensive industry, according to statistics, a dollar of chip industry GDP can drive $100 of upstream and downstream GDP, once the wafer factory is established, it will greatly boost the economic development of the whole country. ”

Qi Weimin's eyes widened: "Oh, a dollar pulls 100 dollars?"

Hu Yiting said: "Yes, the integrated circuit industry chain is very long, the process is very complex, behind a chip, is a complete set of high-precision industrial system, from industrial silicon production, electronic silicon wafer purification, silicon rod drawing, silicon wafer cutting, silicon wafer grinding, lithography, photoresist production, etching, ion implantation, metal deposition, metal layer coating, pole interconnection, wafer testing, wafer cutting, chip packaging to grade testing, the whole process requires a variety of advanced equipment and instruments, but also a variety of advanced production processes to operate these equipment.

As the confluence point of the entire manufacturing process, the wafer factory is an out-and-out gold-eating beast, and it is common in the industry to lose money after billions of dollars. But as long as it is successfully operated, the fab is a money-printing factory, and the silicon wafers made of sand are continuously processed into chips, and the value increases by thousands of times.

Then the chip is loaded into various products as a key component, which greatly increases the value of the product itself, which is a huge output value. ”

Qi Weimin was aroused by Hu Yiting's introduction: "Xiaohu, you tell me about this industry in detail, you are an expert in this area, I want to ask you for advice." ”

Hu Yiting hurriedly said: "Don't dare to ask for advice, I just know everything." ”

So he hurriedly gave Qi Weimin a detailed introduction to the key points of the integrated circuit industry and the construction and operation of the wafer factory.

In the face of Qi Weimin's questions from time to time, Hu Yiting explained dryly for nearly an hour, and finally said: "The 21st century is the century of chips, integrated circuits will be everywhere, human beings will live in the electronic information jungle densely covered with chips, who has the core technology of the integrated circuit industry, who will dominate the highest point of global profits."

If you want to enter the integrated circuit industry, the best entry point is undoubtedly the wafer factory, Taiwan and South Korea have vigorously developed the wafer foundry industry since the 80s, and undertake excess orders from Europe, the United States and Japan.

However, the industrial chain of Taiwan and South Korea is very incomplete, in the entire industrial chain, only responsible for the final manufacturing link, all the core key production equipment and even consumables all rely on the United States, Europe and Japan to provide, which mainly depends on the United States.

Due to the long-term technological blockade imposed by the United States on China in the high-tech field, if our country wants to enter the integrated circuit industry and survive and grow, it must not simply rely on foundry like Taiwan, but must support the entire industrial chain, and invest in research and development of all equipment and consumables, and there can be no lack of one link. ”

Qi Weimin said solemnly: "The integrated circuit industry is indeed a short board of our country, but this industry, as you said, is too complicated, the demand for R&D funds is huge, and the funds required for the construction of factories and equipment investment in the manufacturing process are even larger, and too much money is needed." ”

Hu Yiting said: "A journey of a thousand miles begins with a single step, I have confidence in the future development of China's integrated circuit industry, and I think Chongguang will play a pivotal role in it." ”

Qi Weimin nodded: "Xiaohu, you are so young, you actually know so much, after listening to you for a long time, the more I listen, the more I feel that you are really worthy of being a genius, except for these two words, I really can't find a second word to describe you." You can rest assured, since your wafer factory has chosen Fuzhou, our Min Provincial Government will do its best to escort you. If you make a draft project plan as soon as possible and submit it, the province will do its best to help you apply for financial support from the city, province and even the state. ”

Hu Yiting said with a smile: "Thank you, Uncle Qi, it's not early, you can rest early, I'll go back." ”

So Qi Weimin and Yuan Luli, who had been quietly accompanying and listening, got up together and sent Hu Yiting out of the gate.