Yu Xifang said: "Dad, I have grown so big, I haven't seriously visited the factory, I have learned more about the real operation of our company, and the factory is still working on Saturday today, let's go over together after eating." Pen Fun Pavilion www.biquge.info"

Yu Chonghui said with a smile: "It's rare for my daughter to have this heart, I will accompany you in the afternoon to visit my own factory and let the employees see the demeanor of the goddess." ”

The company founded by my father, called Chenlei Lighting Equipment Co., Ltd., mainly produces various types of lighting, including ordinary bulbs, decorative bulbs, iodine-tungsten lamps, tungsten bromide, single-ended lamps, automobile lamps, etc., and now has more than 1,300 employees, and the sales network has been spread throughout the country, but it is mainly concentrated in the south. Yu Xifang in the past really didn't have a good understanding.

Yu Xifang came to the factory accompanied by her parents, all the machines inside were running, and the workers were busy, most of them were Yu Xifang's fans, and when they saw the arrival of the goddess, they all cheered up, hoping that the goddess could come over and say a few words.

Yu Xifang just came to understand the production of products and the operation of the enterprise, and did not intend to affect the normal production of the factory, but only to understand the production process, and generally did not greet the staff.

The production equipment of the factory includes crystal expander, microscope, baking machine, wire bonding machine, glue dispensing machine, vacuum pumping machine, glue filling machine, row tester, foot cutting machine, splitting machine, packaging machine, CNC machine tool and so on. Whenever Yu Xifang walked in front of different machines and equipment, she would stop to get a general understanding, and the supervisors of the production department would explain the functions of the machines to her.

Yu Xifang used to work in a factory in her previous life, and although she belonged to a different type of factory, the management structure and production mode within the factory were still similar.

Whenever Yu Xifang walked to a place and stopped, the workers who were working would be nervous, for fear that there would be a slight mistake in front of the goddess. After Yu Xifang left, they discussed with their colleagues next to them while working.

"Wow! It's so beautiful, worthy of a goddess. ”

"I've been working here for three years, and it's the first time I've seen my boss's daughter coming."

"The boss is an only daughter, and the company will have to hand it over to her sooner or later."

"No matter how beautiful you are, no matter how rich your family is, you don't have to get married. If any man marries her, he will have both wealth and wealth, and he will make a lot of money. ”

"It's not necessarily, isn't it okay to get into it? The little Zhang in the quality inspection department, his father is rich, and he has his mother's surname. ”

After visiting the production area, he came to his father's general manager's office, and at the request of Yu Xifang, Yu Chonghui gave his daughter the company's recent financial statements and taught her how to look at them.

Yu Xifang in her previous life, after joining the work, first worked in the factory, and then did sales work, among the customers contacted, many of them were in business, because of business relations, she had read the financial statements of some enterprises, even if her father did not teach her, she could roughly understand it.

Financial statements are mainly composed of three parts: balance sheet, cash flow statement and income statement.

According to the report, before Chenlei Lighting Equipment Co., Ltd. borrowed 98 million from the bank, the total assets were 390 million, the total liabilities were 180 million, and the debt ratio was 46%; Last year's main business income (turnover) was 380 million, net profit was 39.1 million, and the profit margin was 10.2%; The company usually has tens of millions of incoming and outgoing accounts every month, mainly for the purchase of raw materials to pay for the upstream of the enterprise, and the downstream dealers pay for their own companies, minus the incoming and outgoing accounts of these factors, the actual working capital of their own enterprises is not much, only more than 17 million. After the loan of 98 million, the liquidity has increased.

On paper, the company is relatively stable, according to my father, after using that loan to build a factory to expand production capacity, the turnover can increase by 80%, which should be a good thing.

Since the loan of 98 million to XX Bank, the company's debt ratio has soared, will there be any risks in the middle?

Yu Xifang asked: "Dad, the loan from XX Bank to our company has a term of 30 months, is the repayment method equal principal and interest (repay the principal and interest in installments)?" ”

Yu Chonghui said: "The repayment method is interest first and then principal, and the first repayment of principal is half a year after the loan, and the bank will immediately transfer the re-principal to the company's account after repayment. In the month before the repayment of the principal, the company in all aspects of the overall planning, the supplier's accounts payable pressed for ten days and a half months, and the loan of 98 million principal the next day again after the loan to the company's account, immediately the supplier's payment settled, if there is really not enough funds, you can find a financial company to do a bridge of funds. ”

Yu Xifang frowned, immediately realized this potential risk, and said: "Dad, do you think this situation is possible, that is, after half a year of the loan, after the principal is repaid in full, the bank will not lend." ”

Yu Chonghui said: "This is impossible, right? The loan contract is clearly written, the loan term is two and a half years, and the repayment method is like this. Besides, I'm very familiar with the president, so there's no way I'm bored. ”

Yu Xifang said: "Logically speaking, there should be no such thing, but if you are not afraid of 10,000, you are afraid that if the 98 million principal is repaid, the bank will not lend, and the company's capital chain will be broken, which will be very dangerous." This is the only foreseeable risk that may occur, although it is unlikely. ”

Yu Chonghui said: "Theoretically, this possibility cannot be ruled out, but I have not heard of any enterprise with this repayment method of loan, after the loan has not expired, and the bank does not lend money after the loan is returned halfway." Besides, daughter, you can earn 10 million a month as an anchor, with your backing, what else is there to worry about? ”

Yu Xifang said: "Maybe I'm too careful. "Come to think of it, there's nothing to worry about, maybe it's my own mediocrity.

Yu Chonghui said: "The new plant has started construction, according to the construction company to give a more scientific construction period, it can be completed at the end of next year, and production can be carried out after the Chinese New Year in 2014." ”

Now Yu Xifang has more than 21 million yuan in her bank account, and she is in her father's office, logging in to the online banking, and transferring 20 million yuan to the company's account. She worked hard in her previous life and was worried about buying a house, but in this life, she has a lot of money, and different people have different lives.

With 20 million, it is possible to buy another batch of machinery and equipment, Yu Chonghui was excited when he thought about it, poured three glasses of red wine, raised his glass, and said: "Come, let's toast to our family of three, and wish us a bright future." ”

At night, Yu Xifang slept with her mother, and her hands just moved slightly, but she didn't dare to unscrupulously like Zhao Xiaoyue.