"I'm real!" Liu Xiangdie said, "I don't believe you ask...... Well, if you don't believe us, let's open a house! ”

"Who's going to open a room with you! I'm not a man. Fang Tianhe said, "You, your vision is too small. Wen Bin can get so much money from his early work, if he really becomes the chairman of a listed company, how much business can he do, why delay Wen Bin's big plan for the sake of this small profit. ”

"If Wen Bin controls a listed company and becomes the chairman of a listed company...... Liu Xiangdie felt hot and red just thinking about it, and if she thought about it, she was afraid that she would lose it, so she hurriedly forced herself to quit the delusional mode, "That's right, we have to put a long line to catch a big fish." ”

"Besides, now take out the money, what's the matter with you, you want to divide the money without doing anything? How can it be so cheap. Fang Tianhe said, "Now it seems that it is difficult for Wen Bin to raise funds." It's a pity that our bank has been cheated of so much money. ”

"What a lie?" Huang Wenbin said, "If I don't pay back the money, it's cheating, and if I pay back, that's normal business behavior." "As for Huang Wenbin borrowing money, he didn't use it to expand reproduction or build a wood processing factory, but to buy Shengong Group, can your bank manage it?

"You still want to pay it back?" Fang Tianhe was inexplicably surprised.

"It's only right to pay back debts." Huang Wenbin was a little puzzled, what kind of reaction Fang Tianhe had.

"Are you stupid?" Liu Xiangdie also reached out and touched Huang Wenbin's forehead, "I don't have a fever." ”

"Why do you think it's better not to pay back?" Huang Wenbin asked.

"I asked you, you have specific projects to borrow money, such as jadeite changing clothes, wood processing factories or something." "These projects are doomed to fail, and they are just an excuse to borrow money from the bank." So you have to set up an independent subsidiary to take care of these projects, so as not to injure the parent company, right? ”

"That's right." Huang Wenbin said.

"If you borrow money from these projects, you have to think of ways to get the money and projects to the parent company Mansha Clothing, expand the parent company into a giant company, and use the money and projects to go public." Fang Tianhe said, "Everyone usually does this, and you will be no exception." ”

"That's pretty much it." Huang Wenbin said.

"Since the money and projects have been given to the parent company, the subsidiary is an empty shell, and it is also an empty shell that has been cut clean with the parent company. The remaining shell companies are bankrupt, what are you doing to repay your debts? Fang Tianhe said.

"This is billions, instead of paying it back to the bank, it is better for us to divide it ourselves, two billion loans, at least hundreds of millions per person." Liu Xiangdie said, "Even if I have a small share, you can't return the money to the bank for nothing." Money is meaningful to us poor people, and what is it to the bank, they just change the computer and have it. ”

"Nonsense! Can commercial banks change their computers to add money to themselves? Fang Tianhe said, "The People's Bank of China can do this, and after they have done it, they will lend money to commercial banks, and then commercial banks will lend us money." For commercial banks, money is also very important, otherwise the bank's account manager will look around for deposits on the day of inventory? ”

"That's not the same." Liu Xiangdie said.

"The big difference is that I went to the People's Bank of China at that time...... It's useless to say that now. Fang Tianhe said, "It's just a dozen or two billion, it's really not a matter for the bank, but it's a lot for us." It's not our fault that we lose money in business, and the Myanmar government refuses to come up with policies, so what can we do? Investments are often at a loss, let alone abroad. CDB invests in mining and digging oil wells, throwing billions or tens of billions of dollars away, often losing all their money, do you see what someone said? No, because it's all normal. ”

"If you don't repay the money, your reputation will be bad, and it will be difficult to get a loan in the future." Huang Wenbin said that people's banks are not ****, not only only look at the legal relationship, but also look at the actual prosecution. Once you are on the blacklist, it will be difficult to get a loan in the future. Huang Wenbin wants to develop so many projects, it is unrealistic not to take out loans.

"Divide the money." Fang Tianhe said, "We have a legitimate reason, as long as we give some money to the people in the bank, they will help us exonerate, how can we have a bad reputation and enter the blacklist." That's not their money, as long as it doesn't affect performance, no one cares if the loan can't be recovered. ”

"Wen Bin, you are really, the big things are clear, the small things are confused, you shook the goalkeeper over, and you jerked off at the door." Liu Xiangdie said, "If it weren't for us, you would have lost two billion profits in vain, this is pure profit, you see how big our role is, what business will be in the future, you must call us up." ”

"Wen Bin, you are too unfamiliar with banking business." Fang Tianhe also said, "The most important thing in doing business now is to have a lot of money, and that is to rely on the bank." Want talent? If you pay for it, you can dig it. Want technology? You can buy it if you pay for it. If you want to say that there is a lot of money, who can compare with the bank. Let's just say that you are most familiar with foreign trade, you don't take out loans, you work hard for a few years, and people borrow money from the bank, and they have more money than you. Spend a sum of money to dig up your most powerful subordinates, and then spend a sum of money to buy advanced technology, buy new machines, build new factories, and grab orders at low prices, how do you compete? If you take out a loan under the same conditions, you will get more money for the loan and less money for the person who will not take out the loan, so you will definitely have an advantage in taking out the loan. Wen Bin, you have a lot of advantages, but you won't take advantage of them, with your conditions, if you plan and use them well, you will definitely make several times more money than now. ”

Huang Wenbin doesn't think so, that's all he can do, and it's not that he really has any vision beyond ordinary people, but he just travels back to know a little bit of history. Now he has enough cash to do his own business, and he doesn't have a situation where he says he has a chance but can't make money.

Of course, things are not absolute. The real estate market has been rising again, and if you have money to buy real estate now, you can make a lot of money in a few years. However, Huang Wenbin has his own building and can't afford this money. If you can borrow money from the bank and don't have to spend your own, then it's not bad to make this money, although a house can't make much money, but hundreds of thousands of sets add up, the number is very considerable.

"How do you plan and use it?" Huang Wenbin asked.

"This knowledge is very big, how to finish it in a while, I have to tell you slowly. If you take it to a university to give a lecture, you can go from undergraduate to doctorate. Fang Tianhe said proudly, "After I am busy for a while, I will slowly teach you how to use the banking system, how to find the loopholes of the bank, and how to rely on the bank to make money." ”

"Master!" Huang Wenbin shouted, he naturally has to learn art, and he doesn't need to learn so deeply, as long as he can keep his money up with inflation and protect his capital, it is enough. In a few years, he will have no advantage in his previous knowledge, and he will have to live on the money he earns now. If you take it out and invest it, it's easy to lose money. Keep the cash and the inflation depreciates as soon as it comes.

"You have to study hard." Fang Tianhe said, "What are we going to do now?" ”

"There's also a place where you can make money." Huang Wenbin said, "Although you can only get a few hundred million, it's not without a small supplement." ”

"Hundreds of millions of ......" Liu Xiangdie sighed, "It's really more popular than people, I worked hard, fought and pulled, all the tricks were exhausted, and my uncle's connections were almost squandered, and now I have got more than a billion assets, and the money that can be taken out is not hundreds of millions." You can get it casually, and it's not without a small supplement. ”

In fact, Huang Wenbin also took out all the strength to eat milk, and he got such a billion or two billion, although he did not have an uncle who was the governor, but he came back from time travel, and he was better than Liu Xiangdie, "Actually, I can only get this money with your help." Huang Wenbin comforted her and said.

"What kind of money? I don't remember giving you so much. Liu Xiangdie said that if there is such a business, she will do it herself, how can she give it to Huang Wenbin. She and Huang Wenbin are not husband and wife, no, even if they are husband and wife, they can't give away hundreds of millions for nothing.

"Pearl Mansion." Huang Wenbin unveils the mystery. Although the Pearl Building is an unfinished building, it is located in the center of the city, with 28 floors and a total of almost 80,000 square meters. Buying a house and decorating, Huang Wenbin has invested more than 800 million yuan in this building. Originally, I was going to wait for the peak of the real estate to sell, but now I am anxious to use the money, so I have to withdraw it in advance.

"The Pearl Building is worth hundreds of millions." Fang Tianhe said, "I'll help you run it, and you can probably lend a billion." ”

"All at once, another billion!" Liu Xiangdie sighed and said, "With the money of Shishi, your own funds are almost 3 billion, I can lend you 800 million, and Sister Fang can get you a loan of 2 billion, which is almost 6 billion." With so much money, it's enough to do anything. ”

"Six billion is not enough." Huang Wenbin said that to defeat Zhang Liguo alone, three billion is enough. He remembered that the funds mobilized by Zhang Lihua in his previous life were only about 200 million. But he is not surnamed Zhang, he has to face the entire Shengong Group, so he must have at least tens of billions of funds to win. If you want to have an eighty percent chance of winning, you have to have at least eight billion.

"Not enough?" Liu Xiangdie was speechless, "Six billion is not enough? It doesn't seem like it will take so much money to go public. ”

"Of course you don't need to just go public." Huang Wenbin said, "But we can't just stare at the little money from the listing, the listing is just the first step in my plan, and the next thing is the focus." I'm going to work on a few big projects and make enough money for the rest of my life. ”

"What a plan for you!" Liu Xiangdie asked, "Why do you need so much money?" ”

"At this time, it is useless to say it, our first step is to go public. Only when the listing has an eyebrow can the second step be taken. Needless to say, if you don't go public, you'll think I'm blowing nonsense. Huang Wenbin said, "Anyway, I want to raise 10 billion funds now." ”