Snow......

It fell sparsely all night, and he could barely stop his feet and neck, which was already heavy snow in Ningcheng!

Yang Fan reluctantly moved out of the bed, it's not that no one will have the perseverance to move out of the two soft delicate bodies on the morning after the snow. Pen & Fun & Pavilion www.biquge.info since there was the first time, what the second time, the third time is naturally a matter of course!

Just like the bottom limit, as long as the first time is broken, then the second and third times are also a matter of course. When he went out, there was a cold wind in his face, which made Yang Fan really have the idea of retreating and going back to make up for sleep.

For example, now, there are constantly guys who break through the bottom line.

As soon as she returned to the company, Ye Qingwan said with a sad face, "Our loan has no chance......

Now Yang Fan understands the sentence that no matter how much money there is, it is not enough...... Of course, if the Qihang system develops smoothly now, because there are Qihang games, Qihang networks, and even enterprises such as Pentium Electric Bicycle Factory have quite a lot of profits, which is not too short of money, but money can make Qihang develop in high speed!

Although the entire debt of Qihang is now more than 500 million, the debt ratio is not too high, but it is becoming more and more difficult to continue to take money from the bank.

Last year, it was easy to take, mainly because the amount of funds required for setting sail was small, but now, if you want to make any big moves, it will be hundreds of millions or even larger, and the general provincial line is really not so bold.

Originally, the total plate of the bank in 00 years was small, and many state-owned enterprises were in the process of transformation and were waiting to be fed, so a lot of funds from the bank were invested in this. Although the benefits of being released to state-owned enterprises are far worse than those of Qihang, and there is a great risk of becoming bad debts, who is called a family and is called state-owned.

In addition to this, loans are heavily skewed towards real estate companies......

Over the years, loans to real estate companies have probably accounted for more than one-third of the total loans, so the chances of private enterprises getting loans are not great.

Yang Fan nodded, "I understand." ”

This result did not surprise Yang Fan, several people found Yang Fan before trying to cooperate with him to set sail for listing, and when Yang Fan chose to refuse, he understood this result.

Because that's a bunch of people who have a lot to do with the bank......

If it can be listed through normal channels, although it feels like it is still a little early to go public, Yang Fan may still be tempted. Not to mention much, even if one billion and eight billion are made, it can speed up the whole line, but unfortunately, these guys obviously want to damage the public and private through the insider.

Of course, Qihang can also get enough benefits from it, and the listing circle money is a saying, and the tilt of bank loans will also be a negative benefit in the future.

But Yang Fan still refused!

Yang Fan now has enough confidence to refuse these moves of dragging himself into the water, and he doesn't need to follow them into the water. There are many ways to make money, and it's boring to engage in these old accounts that will be turned over at any time......

Thinking about it, Yang Fan said, "I'll go to the United States after the Spring Festival." ”

Since he couldn't get money from the bank, and in 00, the capital strength of the private sector was still very weak, Yang Fan didn't want to make money in China, but went to the United States to find a way.

"Okay!"

Ye Qingwan nodded helplessly.

Spring Festival, China's largest and most important festival, over the years is also the golden period of Chinese sales, so before the Spring Festival, the Pentium electric bicycle factory launched three new models again, and then the publicity at the beginning of the year began around these new models. Hundreds of directly-operated stores in dozens of cities are engaged in sales activities almost at the same time......

Including Ningcheng, there is also a mighty cycling propaganda team!

Pentium ...... The new century, the way of life!

This is the main slogan of the cycling team, and at the same time, the overall publicity of Sailing has basically entered a new stage of publicity. It's basically a new world, a new start...... Especially on the Internet, Qihang has basically given up specific product promotion, but has entered the mode of brand promotion.

Of course, Yang Fan has to think about what he is going to say in the lecture hall in his spare time...... You can't say what is most important in the 21st century, talent, right?

Although at the beginning of the 01st year, it was said that the 21st was actually the right time.

Yang Fan's popularity in Ningbo University is extremely high, in fact, it is not only in Ningbo University, but also in the entire Ningcheng University circle. So on Wednesday, at half past two in the afternoon, the whole classroom was packed.

Looking at the black pressure of the people below, Yang Fan had no stage fright at all......

"We are a group of fortunate people who ushered in a great era at the beginning of our lives! And in this day and age, change is extremely fast! From the beginning of the twenty-first century, you will find that every day is a strange ......"

"We're entering a really fast-paced era where it's changing ...... each passing day"

Yang Fan combined his own memories and some thoughts to express what his future looks like in front of thousands of students. Since it is difficult to shirk the requirements of the school, Yang Fan wants to take the opportunity to do something...... For example, tell us what the future looks like in his eyes!

When many trends come as Yang Fan predicted, there may be a lot of deviations, but the overall trend is difficult to cover, at that time, when people recall the current speech, the right decision made by Qihang has become a clear judgment of the future trend.

Instead of attributing it to luck, there are dark speculations like backgrounds.

It's a pity that Yang Fan just said some vain things from the general trend, but he didn't take out any dry goods. For example, the Internet will bring great changes to the whole world, in fact, this has become a consensus.

Of course, Yang Fan will still say some of his own thoughts in combination with Qihang...... Such as instant messaging, search, and even the future of e-commerce.

These things are either Qihang occupying an absolute advantage, or Qihang is already working on the project. Of course, Yang Fan is not afraid of being noticed by people with a heart when he says it, and people with a heart have actually noticed this a long time ago!

After the speech, Li Tongyi asked, "Your decisions in the past two years have been based on what you said?" ”

Not only Li Tongyi, but also Uncle Yang Yuanhang, even Zhao Sheng, and even Yang Fan saw Ye Qi in a corner, these people actually came over this time!

It's also strange that Yang Fan is not very old, but his mind is very heavy......

Usually he is always shrouded in fog, and he can't see his thoughts at all. Especially for Ye Qi, all he can get is through his younger brother and Zhang Zhang, or the information that is usually public...... But Yang Fan in his younger brother's mouth is an arrogant and domineering gentleman.

For this obvious prejudice, Ye Qi could only give up the idea of knowing Yang Fan from Ye Chao, but Zhang Zhang couldn't see through it at all......

Therefore, this is one of Ye Qi's few opportunities to face Yang Fan and understand this person who easily defeated him. (To be continued.) )