"Definitely not more than three months!" Li Fangping said with certainty.

As the general manager of Tianyuan Construction, a wholly-owned subsidiary of Lianchuang Technology, Li Fangping looked extremely confident when it came to his bank, and said categorically, "Boss, you haven't seen the land prices in those provincial capitals in the south, and now they have not risen like this, the capital is the center of our country, and there is no reason why housing prices will not rise wildly. ”

Lin Zheng nodded, although Li Fangping's judgment was slightly different from his own judgment, but Lin Zheng didn't think there was anything wrong with this, whether it was crazy after two months or crazy after the second half of the year, the difference between this was actually not big, he was more interested in another problem, "But Lao Li, you should know that the company is now expanding at a high speed, and all aspects are in great need of money, what can you do to solve the problem of this part of the shortage of funds." ”

"Loan," Li Fangping looked at Lin Zheng and said strangely, "As long as we have a house in our hands, we can use the house as collateral to borrow from the bank and then buy a house, and so on...... As long as the operation is done properly, billions of loans can also be taken, and as long as the housing prices in the capital keep rising, we don't have to worry about not being able to repay the bank loans. ”

"Billions?" Billions is not a small amount, Lin Zheng is very strange, where bank has such the courage to lend money to Zoomlion Technology?

"Billions only. As long as there is enough collateral, this number is actually not much. Li Fangping smiled, not thinking that this was a big deal at all. As long as our project has the right collateral and the initial start-up capital, there will be no problem at all, as long as we start the project smoothly, borrow hundreds of millions from the bank, and repay the interest on time. Whether to lend us money or not is not up to the bank. ”

Lin Zheng naturally understands this truth, this is the favorite trick used by many speculators and real estate developers who engage in real estate speculation in later generations, relying on continuous borrowing from banks. After borrowing more and more money from the bank in the later stage, as long as the company's financial situation does not decline significantly and the interest can be repaid on time, no matter how reluctant the bank is to take the money out, in order to ensure that the company's capital chain has problems, the money lent out by itself cannot be recovered. They will all pinch their noses and lend out their money. As long as the relevant leaders are fed, then there is no problem at all.

Lin Zheng is very clear about this point, he thinks about another problem, "But the most difficult thing is the early starting process...... The problem is, which bank is willing to lend us money for the fixed asset investment under control across the country? ”

"It's okay to borrow money from our Langya City."

"That's a lot of ......."

"We don't need so much in the early stage, we can borrow tens of millions and tens of millions, and those banks can't wait for us to borrow money from them. We don't have any large state-owned enterprises in Langya. Even if there were, these state-owned enterprises looked like half-dead bears. Unless the city government uses the finance as a guarantee, the bank will not dare to lend them money, but the bank cannot only have deposits without loans, and there are loan tasks every year. As a person who has to deal with banks almost every day, Li Fangping has a clear understanding of this matter, and when his boss intends to speculate in the capital's real estate market, he has already begun to think about how the project should be operated.

Tut...... After listening to Li Fangping's words, Lin Zheng only patted his head in annoyance, he felt that he was simply a fool: That's right, although the state wants to control the investment in fixed assets, but the bank also has to eat, right? Always absorb deposits, do not lend loans, banks are not allowed to drink the northwest wind?

In this era when the government borrows money and always does not pay it back, customers like themselves who have high-quality assets as collateral are actually the most popular people in the bank, for the bank, lending money to Lianchuang Technology is more than lending to government insurance, and they are still worrying about where to find money.

"How much do you know about the deposits and loans of Langya City Bank?" Lin Zheng thought for a while and asked Li Fangping, he needed to make a judgment based on this situation.

"I don't know the situation in our city very well, but I know a little bit about the situation in the district, last year, the balance of deposits in financial institutions in the district was 2.88 billion yuan, and the balance of loans was 1.39 billion yuan. Li Fangping smiled and shook his head.

"That's the difference?!" Lin Zheng was slightly surprised: this number is a little amazing, people who know a little bit about financial knowledge know that if the bank wants to make money, the loan amount released should be about the same as the deposit amount, and the deposit amount is slightly higher is the correct situation, basically the ratio of deposits and loans is between 1:1.25 and 1:1.35, this situation is the most appropriate, but look at the current bank loan loan ratio in the whole district, it has exceeded 1:2, "The provincial branch is not allowed to jump and scold the mother?" ”

"Isn't it," Li Fangping said with a smile, "The presidents of several banks in the district and the city are about to step on the threshold of our company, but you said before that if our company can not borrow money, try not to borrow money......"

Tut...... Hearing this, Lin Zheng had a toothache and wanted to give himself two slaps: Pig head, how many people begged the bank to borrow money, but the bank refused to borrow, but his own side was good, but the bank came to borrow money, but he refused to borrow.

"Lao Li, in this way, you and our district ...... Forget it, it's just the city, discuss it with the banks in the city, and see how much you can cooperate with, well, the benefits that should be given must be given, and I don't know how to deal with the bank, but I believe you can do a good job. ”

"Boss, don't worry." Forcibly holding back the joy in his heart, Li Fangping nodded vigorously. The boss has said that not only the company should invest in this way, but the leaders of the company can also invest in their own private shares, and they don't have to do anything else, as long as they take out a part of the money to follow the company, not only insurance, but also safety.

"Then it's decided, after discussing it later, you will come to the capital directly!"

――――――――――――――――――――――――

Seeing Li Fangping away, Lin Zheng only felt that his whole person was much refreshed.

In my opinion, the bank is the biggest problem, but I didn't expect it to be much of a problem, which is really ...... Life is full of comedy. However, Lin Zheng's good mood was quickly washed away by the bad news that followed, listening to the secretary's words to tell him, Lin Zheng's brows suddenly frowned, "What did you say?" ”

Knowing that he didn't have a good impression of the Ministry of Posts and Telecommunications, the secretary said tremblingly, "Boss, Director Li Xinjie of the Ministry of Posts and Telecommunications wants to come and visit you." ”

How is it that no matter what time it is, there are people who are interested in such bad guys? As soon as he heard this name, Lin Zheng had a toothache, since he was sure that he had provoked someone he couldn't afford to provoke, Li Xinjie, the bastard, had become a grandson, this was already the second day, and he had to come to "report the way" every day, and his posture was extremely low.

What does this guy want to do Of course Lin Zheng understood in his heart, he just hoped that he could let him go, in his heart, there was no personal enmity between Lin Zheng and this guy, but this guy's attitude was too ugly, but ...... After hesitating for a moment, Lin Zheng still said, "What else did he say?" ”

"He also said that if you are free tonight, I would like to give you a drink." The little secretary looked at his boss in awe, and he didn't dare to take a breath.

This little secretary also went to the Ministry of Posts and Telecommunications twice with Wu Yuying, and deeply knew the arrogance and domineering of Director Li Xinjie, Ya was simply the master with a bead on the door of his head, but he didn't expect the boss to be so powerful, as soon as his old man came out, this guy immediately behaved like a grandson, you said that you are really cheap, I knew that this was the case, why did you have to sè in the first place?

After a deep groan, Lin Zheng asked the little secretary with a smile, "Xiao Chen, do you think I should go or shouldn't go?" ”

The secretary plucked up his courage, hesitated, and said, "Boss, I'm just a little secretary, where can I do this kind of big thing?" ”

"If you say it, you can say it," Lin Zheng said with a smile, he was in a good mood today, and he didn't hesitate to order this little guy, "As long as what you say makes sense, it will be ...... Maybe I'll really adopt your suggestion. ”

The little secretary laughed twice, he didn't think what the boss said was true, and it was more likely to be joking, but since the boss asked so, it didn't seem appropriate for him not to answer seriously, so he pondered for a while, and said carefully, "Boss, then I said it?" ”

"Be bold and say that you won't be blamed for saying something wrong." Lin Zheng waved his hand, and he was a heroic mess.

"I think ......," the little secretary said, "give him a chance." Without waiting for Lin Zheng to ask, he hurriedly explained, "Anyway, there must be one or two more powerful leaders behind Director Li, and it doesn't matter if we toss him now, but if his position is really not guaranteed, maybe it will also bring us some trouble." And after all, we are businessmen, and Director Li is a cadre in the ministry no matter what......" (to be continued......