Chapter 021: A Business of 100 Million Dollars
So Yang Ming embarked on a hard journey.
There is no skill that does not come in vain, even if Zhang Bing lowers a lot of requirements according to his quality and needs, but for Yang Ming, who has never undergone militarized training, it is still a kind of torture.
Sweat for at least two hours a day, deal with all kinds of gym equipment for the first hour, and maintain the correct posture, because incorrect exercise will accumulate damage, and you will regret it when you are old.
Then there is the training of martial arts, where the tricks are placed, and every move is very simple. The difficulty is how to connect and how to respond in a short period of time.
"You know how to dodge a knife stabbing him, and you know how to counteract by grabbing a knife and kicking him in the crotch. But once it's time for the actual battle, there's only one step you can do: dodge, run!"
Yang Ming laughed, but when there is really a madman who wants to swing a knife at you, the instinctive reaction of people must be to dodge, hide away, there is no need to die.
That's actually true. Zhang Bing said with a serious expression, "This is the smartest person's approach, how far to run." ”
"Forehead ......"
"But when you have family and friends who are also in danger, you can't run, you have to force yourself to react quickly, you have to act like instinct. ”
With a snap, Yang Ming fell to the ground for the Nth time.
"I've reminded you a few times, and you don't know how to beware. "Zhang Bing abuses vegetables every day.
It's just that this rookie is also slowly growing, changing every day, which is the source of Yang Ming's insistence, looking at himself in the mirror, the body fat is gradually consumed, and the muscles buried underneath are revealed.
The abdomen has been lined, and the waist is also a piece of muscle, and the waist pain caused by sitting in the office for a long time in the past is no longer painful after active exercise.
Hard training is indeed effective, and even the man's combat effectiveness has been enhanced.
Time passed slowly.
At the end of a consumption natural month, of course, there is no problem with the quota of 10 million, the upgrade progress is 1/6, and the quota of the next natural month is 10 million.
The company still has no big expenditures, and it only spent hundreds of thousands of dollars to purchase drug raw materials, which is enough for the laboratory, and this stage mainly depends on wisdom and technology.
Although the company has not yet made a big expenditure, Yang Ming needs to seriously consider the issue of funds.
He spent a lot of effort before, pretending to be forced and making friends, and had a good relationship with the bank, in Li Wei's eyes, he is now a young and promising representative.
Although it will definitely develop in the future, the current foundation is a bit embarrassing, and the 100 million that was boasted of Haikou before is only 10 million in hand.
Before sneaking into the supercar club, I wanted to absorb some investment, but the foreshadowing is still in progress, and it is unlikely that it will bring him so much money immediately.
But Haikou boasting to the banks must be realized. If this step is broken, the previous momentum (pretending) will be in vain.
How do you get 100 million?
Yang Ming thought in the office, he has a lot of methods, as a senior financial officer of the enterprise, he has dealt with various financial institutions and enterprises a lot.
I thought back to those financial companies that were easier to get along with, and then dialed a phone number: "Mr. Liu, I'm Yang Ming, how are you doing lately?"
"Oh, Mr. Yang, what kind of money have you made lately?" the other party said.
After a burst of opening remarks, Yang Ming said on the topic: "That's the case, I have a little capital need recently, and I want to develop a business with you." ”
Liu on the phone is always a private lending company, with strong financial strength, and the approval is easier than that of the bank, of course, the interest rate will be much higher.
Yang Ming once interacted with them on behalf of the company, and under this premise, it was possible to borrow money: "I don't need a long-term loan, I only need to make a batch of short-term cash flow." ”
"How much?" said the other man.
"One hundred million. Yang Ming said, "There is some collateral, but you can send someone to participate in the whole process, this money only needs to go for half a month, and I will pay you 1.5 million, how about it?"
It is generally difficult to get a loan if there is no collateral of sufficient value, unless it is a loan shark, but the other party is not. However, Yang Ming was willing to let them send someone to accompany him, which undoubtedly increased the safety factor.
After thinking about it, Mr. Liu had an intention: "Meet and talk." ”
"I'll reimburse you for the expenses, come to Donghai City. Yang Ming said.
……
The conditions provided by Yang Ming are very secure, and the old customers and funds can be supervised throughout the process, which is equivalent to a complicated brushing flow, and many companies are doing this kind of business.
So the decision to meet was actually negotiated, and the other party sent two business personnel to simply solve the problem of 100 million funds.
Then Yang Ming called Li Wei and told him in advance: "I know that the bank has deposit indicators, but this money will not stay in the account for too long in our consumption plan." ”
"Everything I said before counts. Li Wei said, that is, to provide a pledge of deposit receipts, Yang Ming deposited 100 million yuan in the bank, and the bank took the deposit certificate and loaned him 100 million.
It seems that there is no difference, but there are many doorways in this, for the bank, it got a deposit task of 100 million yuan, and at the same time put a loan business of 100 million yuan.
This is a 1+1=2 achievement, and the bank completes two operations at the same time.
For Yang Ming, Li Wei gave 100% of the pledge amount of the certificate of deposit, he deposited 100 million yuan, took out a loan of 100 million, and returned it to the lending company, this 100 million business actually exists.
His credit rating will also be refreshed, Oriental Bank will issue him the highest level of personal credit card, give the company the highest VIP treatment, upgrade the loan qualification, and so on.
In the VIP reception room of the Oriental Bank, sitting cross-legged in a straight business suit, exercise gave him an outstanding figure, and then a young and handsome image, the little girls in the bank couldn't help but peek.
As for their boss Li Wei, she was much more dignified, and directly praised: "I haven't seen you for a long time, but you are more high-spirited, Ah Ming, you are now a high-spirited existence." ”
"Sister, if you say these words, you're going to be divided, aren't you?, what are you talking about, help each other!" Yang Ming smiled.
Li Wei got down to business: "Of course, as you said before, the bank doesn't want you to take the funds too quickly, after all, you also know the task of collecting savings." ”
"As long as you can help Sister Wei, you must do your best. Yang Ming said sincerely.
The smile on Li Wei's face flashed: "Then I won't beat around the bush, this is the project I am responsible for, I hope you can be fixed for three years, and then I will approve the full loan of this certificate of deposit, and the difference between deposit and loan interest is one point." ”
Yang Ming knew that this condition was already quite superior, and it was normal for the deposit and loan interest rate difference to be two points in recent years, and Li Wei was indeed sincere.
After quickly calculating it in his heart, he pretended not to care on the surface: "Don't think about it, I definitely believe in Sister Wei's plan!"