"That's $100 million in total. Xiao Chen finally counted the Arabic numerals, read them out softly, and looked at Yang Rui.

Although there are capital Chinese characters in parentheses after the numbers, he is willing to count Arabic numerals.

The bank officials in the room were all a little short of breath.

It's not like they haven't seen the owner of money.

However, $100 million is really rare.

In recent years, China's economic growth has been very fast, and industries such as foreign trade with rapidly rising incomes will also have hundreds of millions of dollars in revenue. Foreign-funded enterprises have been in China for many years, and they have often remitted tens of millions of dollars in and out.

But that's all the income of the industry as a whole.

Looking at the whole country, what is the country's foreign exchange earnings in a year? Bank officials are familiar with the monthly figures, and in the past few months, the average monthly income of the state treasury was just over $1 billion.

It is equivalent to one-tenth of the monthly income of the national treasury.

For banks, this concept is even more terrifying, so to speak, they grow positions that can fill the deficit of three or five banks.

Not to mention, Yang Rui is still talking about the down payment.

"The pharmaceutical industry is really profitable. Ren Governor was probably to liven up the atmosphere, so he sighed.

Yang Rui smiled: "The cost is also high." The $180 million borrowed before is afraid that it will not be repaid immediately. ”

The loan for the purchase of sildenafil was borrowed from the four major banks, and it was a long-term loan without collateral, so naturally there was no reason to repay it immediately.

Traditional Chinese, however, often have the concept of not owing money in order to have peace of mind. However, the human heart cannot be stabilized by this method. If you don't develop and only seek peace of mind, you will eventually fall into new uneasiness.

The first profit sent by the Green Stone Corner Company is a sharp sword, which can open countless roads for Yang Rui, and repaying the loan is the most stupid one.

President Ren could only smile regretfully and said, "The borrowed money, as long as you pay the interest, you should use it...... So, let's save it now?"

Yang Rui didn't answer directly, but looked at Xiao Chen and asked, "How can it be appropriate?"

"Ah......" Xiao Chen seemed to be stunned by the question, and looked up like a rabbit surrounded by dogs.

Yang Rui was not in a hurry, so he waited with peace of mind.

After a long time, Xiao Chen asked: "Do all the 100 million dollars have to be deposited into the account?"

"Yes. Yang Rui replied: "There is no big expense plan for the time being, because there will be profits in the later stage, so as long as there is a certain amount of cash reserves." ”

After thinking for a while, Yang Rui said again: "I want to make some preliminary preparations for the human genome project, and it is expected that it will cost some money, especially to order equipment, which must use foreign exchange." ”

Populating your own lab is an integral part of the Human Genome Project.

It is basically impossible to apply for state funding directly without filling it.

However, because it is to use its own money to public laboratories, the expenses should not be too much, a few million dollars in the early stage, tens of millions of dollars in the later stage are enough, and the rest of the expenses can basically be taken from public funds.

In fact, if the relationship is hard enough and the skin is thick enough, if you fly to Europe and the United States to give speeches ten, twenty, or seventy or eighty times, you may be able to get millions of dollars to pave the way for Yang Rui's laboratory before the genome project.

However, what Yang Rui is most unwilling to do is this kind of thing, and what most scholars are most tired of is this kind of time-consuming, labor-intensive and face-consuming thing, but most scholars don't have enough money in their hands to spend money to buy comfort.

Yang Rui can.

What is he making money for, isn't he just doing what experiments he wants to do, and he can fill in the money himself if he wants to?

The Human Genome Project was not understood by the public in the early stage, and it was very difficult to ask for national funds, and it was even more difficult to find funds in Europe and the United States.

When necessary, all his cash, including every penny earned by sildenafil, could be filled in, leaving only a few broken houses to live.

Xiao Chen didn't ask Yang Rui about specific matters, thought about it carefully, and said, "When do you expect to use it, and how much do you expect to use?"

"For a month or two, it can be as little as a few million dollars, or as much as twenty or thirty million. Yang Rui said a little more relaxed.

Xiao Chen heard it, and said with a wry smile: "Your span is too big." ”

"Is it too big? Compared to 100 million US dollars, it's in the range. ”

"But for banks, it's a different story. Xiao Chen didn't look up when he spoke, so he couldn't see the appearance of the bank officials who had changed color.

In fact, he knew that the faces of the leaders would not be good.

With so much money, unless you speak from the bank's standpoint, any loss will make the leaders feel painful.

From the bank's point of view, it is best for Yang Rui to save $100 million for a fixed term, and the second is to save a current account, and if he can use the interest of the current account to save a fixed term, of course, it is higher.

And their expectation of Xiao Chen is probably to hope that he will be like an ordinary bank teller and persuade customers.

Unfortunately, Xiao Chen was not willing to do this.

He has been in the banking system for a long time, and he has gradually understood the temperament of the banking system.

Banks are fragile, short-sighted, wealth-loving institutions.

This is determined by the structure of its system, and it is not something that can be changed by the people who love the world.

The financial system derives its profits from an imbalance in funds.

In the pursuit of profits, the financial system is bound to become more and more vulnerable, and to protect its fragility, it is bound to be short-sighted.

Capitalist banks only want to lend money to the rich, and socialist banks don't want to lend money to the poor – the rural credit cooperatives are a brave attempt, and the result is that bad debts are everywhere, and countless members lose their share capital, one or two dollars each, and it does not fall from the sky.

For bank clerks, they are always inevitably making an assessment of everything around them.

For example, can work be converted into cash?

Actually, you can. When Xiao Chen graduated, if his family could save a large amount of money in the bank, he might be able to cross the obstacles at the grassroots level and enter the branch.

Even the head office, isn't it groveling in front of Yang Rui's $100 million?

At this moment, Xiao Chen suddenly understood a lot......

It's like a banking system that won't be changed by love.

When he becomes Yang Rui's middleman, he will not be changed by the leader's deep love.

Whether it is rational or the promise of the sunshine boy, he must stand on Yang Rui's side, and only by standing on this side is the most correct, the most rational, the most beneficial, the most valuable, and the most in line with the promise.

"I plan to buy some experimental equipment and consumables, because it has not yet been decided, so it is difficult to determine the price, and the time is ......also like this," Yang Rui explained to Xiao Chen, and did not shy away from other bank cadres.

Xiao Chen's brain became clearer and clearer, and said: "I don't know much about experimental equipment, but the manufacturer should not ask for a one-time payment for this kind of thing." ”

"Of course, as long as you give a deposit. Yang Rui nodded.

"In that case, the only short-term expenses are the deposit, right?

"Theoretically, so. Yang Rui shrugged his shoulders and said, "The consumables also cost hundreds of thousands of dollars, but they are similar, and you don't have to pay in full." ”

He somewhat understood Xiao Chen's operation and was very cooperative.

"In this case, a position of $1 million is more than enough, after all, there is still income behind, right?" Xiao Chen confirmed to Yang Rui.

Yang Rui nodded.

"What about the local currency? Is 3 million enough?"

"That should be enough. "The RMB funding for the laboratory is sufficient, not to mention, Sinovel's income in China is also rising.

In fact, it was Yang Rui who built the stadium in Wukesong back then, and now the income is in the millions.

In this case, it means that Sinovel will be idle for a long time with the $100 million, and there will be follow-up income. What are the expectations?" Xiao Chen wrote in his notebook.

Yang Rui smiled and said, "If sildenafil can become a bombshell, it will be seven or eight billion US dollars after tax." Of course, a portion of this money should be set aside to maintain operations abroad. ”

If it really becomes a blockbuster, it will not be a stable billion-dollar income, it is just the starting price, and viagra is the biggest bomb ever.

Besides, 1 billion is talking about annual income, which has continued for several consecutive years, and the expenditure is getting smaller and smaller, and the income is getting higher and higher, which is the norm in the early sales of drugs......

Xiao Chen was frightened and couldn't hold the pen steadily, and paused twice before re-saying, "Is Sinovel going to expand?

"The expansion is already underway, and Sinovel has other benefits, and the total demand is not too high. However, ......" Yang Rui thought for a moment and said, "If you want to say that you may have to develop new drugs in the future, if this plan is implemented, it will cost a lot of ......money to increase the plant, spend bonuses, establish a domestic sales system, etc."

After the completion of the clinical trial center of Hedong University, it is very good for Sinovel to develop new drugs.

Even if Yang Rui no longer makes new drugs by himself, he can still guide them, and it will not hinder them.

The level of Sinovel Labs is already quite good.

When Xiao Chen heard this, he felt that there was no problem with the plan, and finally said it, "How about asking the bank to provide all this money in the form of low-interest loans?"

President Ren's eyes are almost popping out, you, a grassroots bank cadre, do you want to make such a big decision so lightly?

Xiao Chen didn't give the leaders a chance to refuse, and said: "If you take the $100 million as the base first, I think the position of 2 billion yuan in local currency is very reasonable, and the interest rate below 5% may be more sincere." ”

"No, no, no. Director Ren couldn't help it, and said: "Now the interest rate on ordinary deposits is 14, how can you borrow a 5% loan." ”

The 90s were the year of extremely high inflation in China.

In 1990, the interest rate on five-year deposits was 13.68 per cent, and the interest rate on semi-annual deposits was 7.74 per cent.

In contrast, the interest rate of the five-year fixed deposit after 30 years is only 5%, which is a wealth management product that does not guarantee the principal, and the expected interest rate rarely reaches 7%. The interest rate of business loans is usually between 8% and 12%, the interest rate of small loans and bank installments is dangerously high at 18%, and the interest rate of provident fund loans is only about 4%, and the low interest rate is only 3%.

In 1990, the normal bank loan interest rate was 19.26%, a difference of 15 percentage points from the 5% interest proposed by Xiao Chen, and the difference of 2 billion yuan a year was 300 million yuan.

Yang Rui's previous loan of $180 million made many banks quite uneasy, which is also the reason.

Money is depreciating too quickly, and banks are having a hard time operating.

Today's current interest is as high as 11.34%, which can be described as a systemic shortage of money.

Xiao Chen knew that the bank was eager for foreign exchange, and if they lost 100 million US dollars to the Bank of China, they used it as a reserve, and they didn't know how many billion local currencies they could get, and the benefits brought by this were not only interest.

He first looked at Yang Rui and said, "Look at this, the dollar is stored in the bank, and the bank lends long-term low-interest loans for operation and expansion. ”

This is actually a common method used by modern enterprises, including the world's largest general.

Yang Rui was already very satisfied, and immediately said, "It's up to you to decide." It's good to borrow more, so you can do a little more. Well, is the same for the follow-up profits?"

Xiao Chen laughed twice, then looked at the leaders, and said, "I think it's better to make follow-up profits like this, otherwise, we'll talk about it later." ”

Ren Governor immediately succumbed.

He didn't even have time to complain about Xiao Chen's "hard work", so he stepped forward and said, "Professor Yang, then we will decide, in the future, we will be grasshoppers tied to a stick, and your Xidiana must be sold well." ”

Sildenafil sells well, and he knows it, but he still needs to make a small bet on how the global sales are.

Welfare erotic comics, all kinds of romance! You know! (Remember to bring your own tissue) long press to copy xlmanhua Search > Reading chapter: Reborn God-level Xueba_Chapter 1513 Intermediate

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