"Since the clothing design company wants to repay it, it is not the investment of the Liu Group, but the debt lent by the Liu Group to the clothing design company." Hadron pointed out a little scathingly, "In other words, the actual investment of the Liu Group will not be as much as four million at all?" ”

Liu Zhengming said: "However, if the Liu Group had not come forward to take out a loan or provide a guarantee, this money would not have been loaned. If Liu's Group comes forward to take out a loan, the risk will be borne by Liu's Group, how different is this from Liu's Group's investment? ”

Qiangzi still kept smiling: "Liu's Group guarantees the loan, and the clothing design company can pay a certain percentage of the fee, whether it is interest or guarantee fee, it can be." ”

"Guarantee fee?"

"That's what I said, and I don't know what it was called at the meeting, but that's what it means."

"You say so, then this clothing design company does not have the shares of our Liu Group? Are we a creditor? ”

The air in the room suddenly became stagnant. Although Liu Zhengming still barely had a smile on his face, his smile was already a little stiff. Wang Haimei also looked at Qiangzi, and her dissatisfaction was clearly written on her face.

Hadron understands that it is not possible to talk like this, and if it continues like this, this negotiation may be aborted. However, Liu Zhengming's approach is obviously to treat himself as a stupid boy and blindly accept it. This practice is simply an empty glove white wolf. Hadron is really a bit of a dilemma. Generally speaking, Qiangzi still believes in Liu Zhengming's sincerity in setting up a clothing design company, but his current performance cannot but make people suspicious. Either Liu Zhengming just wants to deceive himself, or he completely thinks of himself as a stupid boy. Hadron decided to give it a try.

"Mr. Liu, do you think this will work?" Qiangzi tried to calm down, smiled and said, "Anyway, now we can't get all the funds from either of us, so now it's just a matter of registered capital." Let's first set a shareholding ratio, for example, the total registered capital of 2 million, we both get together enough for the 2 million according to the agreed ratio, start the clothing design company first, and then invest the rest of the funds in accordance with the way of borrowing, and the clothing design company will return the principal and interest, as well as the guarantor's guarantee fee, what do you think? ”

In all fairness, Liu Zhengming himself also understood that the way he just asked for the calculation of shares by loan was a bit unreasonable, and he didn't expect to be so thoughtful, and he was also seen through by the young man in front of him who didn't have any hair. Liu Zhengming thought for a while and asked, "How many shares do you plan to want?" ”

Qiangzi smiled and said a little embarrassedly: "Sixty percent has to have it, right?" ”

"Sixty percent?" Liu Zhengming didn't believe his ears a little. 60 percent, and less than 30 percent I originally envisioned, the gap is too big, "Then we can't explain it to the board of directors!" Well, I'll give you thirty percent. ”

Qiangzi knew that if he continued to talk about this issue at this time, it was likely that the conversation would be stiff, and it was not a vegetable market to buy vegetables, nor was it this way of talking. He changed the topic and asked: "In Mr. Liu's funds, in addition to loans, how much is the capital of Liu's Group?" INTERVIEWER What I mean by this is, how much money is not a loan from a fashion design company, but not a loan from a fashion design company? ”

Liu Zhengming smiled: "Qiangzi, how much money do you think I can come up with as the Liu Group Building?" ”

At this time, Qiangzi realized that he had made a mistake: as the leader of the business community in Nancheng, the Liu Group Building naturally would not be unable to take out millions of funds, compared with which, it was actually himself who was strapped for funds. Although the current Liu Group is in a period of expansion, having just merged with Furun Shopping Mall, and has a larger investment plan, as a well-known family business, the so-called skinny camel is bigger than a horse, as long as there are no difficulties in operation, such a little investment will not be difficult for it.

Qiangzi said: "Otherwise, we will first take out 1 million each, each accounting for 50 percent of the shares, and set up a clothing design company first." After that, my clothing design company and follow-up funds totaled 2.4 million, even if it was the funds I lent to the clothing company, the interest was calculated according to the bank interest rate, and the 4.6 million yuan of Liu's Group was also treated as a loan, and the guarantee could be paid according to half of the bank loan interest in the same period. In this way, the interests of the Liu Group have been greatly taken care of, because the interest paid by the clothing company to the Liu Group is one and a half times the interest paid to our shopping mall. As for whether these funds will be converted into shares in the future, it depends on the results of future discussions. ”

When Qiangzi said this, Liu Zhengming couldn't help but tell the truth: "Actually, we planned it like this, that is, a total of seven million funds were loaned from the bank by the Liu Group. There are two million directly invested by Liu's Group in a clothing design company, and this part can be counted as Liu's Group's shares; The other 2 million money loaned out by the Liu Group was actually loaned by the Liu Group to Wang Haimei, and Wang Haimei invested in the clothing design company, which can be regarded as Wang Haimei's shares, but for the convenience of financial arrangements, on the books, it was the Liu Group that relented to the clothing design company. ”

Qiangzi looked at Wang Haimei, Wang Haimei smiled at him and nodded, he couldn't help but believe it: It seems that these two people are really a little tired of it. However, there is no need to pierce this kind of thing, as long as it does not harm your own interests, the best way is to pretend to be confused. Hadron just asked: "In other words, these four million are actually the share capital used to buy shares?" ”

Liu Zhengming nodded.

Qiangzi asked again: "That is to say, in fact, the four million are not repaid by the joint venture clothing design company?" ”

Liu Zhengming was a little embarrassed, nodded and said: "I thought that you must not have much capital, it is estimated that it is one or two hundred, and our shares in this company will account for more than ninety-five percent, so the company is almost our sole enterprise, so I plan to repay the loan by the clothing company." Now it seems that I still underestimated you! ”

Fortunately, Liu Zhengming's misjudgment made Qiangzi win the game.

"My sister-in-law's funds went from the accounts of the clothing company, then, judging from the books, the clothing company still owed Liu Group a debt of two million."

Hadron hasn't figured it out yet, but he always feels that something is wrong.

Wang Haimei said: "Open an IOU to the clothing company, the clothing company will lend it to me, and I will invest in the clothing company, inside and out, won't it be two million?" What else can clothing companies lose? ”

On the surface, there is no loss. The clothing company is an independent accounting enterprise, if the business is going well, of course, it is nothing, what if it is not smooth? At that time, Wang Haimei can take 7 million shares to offset the account, what will the clothing company take to pay the Liu Group to the 7 million account? There are only assets of the clothing company, but the total investment of the clothing company is 6 million. On the surface, the clothing company collapsed, and Huang Bai is also a shareholder and will suffer losses, but in fact, he can use the 6 million company to offset the 7 million debt, and their 7 million shares are nothing.

Liu's Group and Wang Haimei are doing insurance trading that is sure to make a profit without losing money, but the biggest risk here is the two million of the strong son!

For Hadron Son, there is no guaranteed business in the world, it is only about whether the risk is worth taking.

Qiangzi asked Liu Zhengming: "Do you want to mortgage the two million loans of the Liu Group?" How to mortgage? ”

Liu Zhengming said with a smile: "We are a family business, and the system is very strict. There must be a mortgage, otherwise there is no way to explain it when you check it above. He looked at Hadron and asked him, "Do you think there is any suitable mortgage besides the clothing company?" ”

This can only admit that there is no other way. So, I had to agree?

"In this way, the investment of Liu's Group and my sister-in-law is a total of four million, and my investment plus the clothing design company is a total of two million?"

Liu Zhengming nodded. Wang Haimei said: "Does your clothing design company have 1 million, and you have to evaluate it in detail, right?" ”

Wang Haimei is so shrewd, but Qiangzi didn't expect it. Not to be upset, Hadron explained: "Of course the assessment should be. However, I merged my fashion design company into our clothing company, not just to make up the investment, but mainly for the future development of the new company. I always feel that my biggest gain in the past two years is not how much money I have made, but the fashion design company in my hand, and the most valuable thing in this fashion design company is not the equipment, but the training of this group of skilled fashion designers. With the designers of the garment design company and these nearly 100 skilled workers, the two problems of staff training before the start of the garment company and the backbone force after the start of work have been solved. …… Of course, if my sister-in-law feels it is necessary......"

"That's fine." Liu Zhengming gave Wang Haimei a look and didn't let her say any more, "I cooperated with that manager because of that manager's experience and management ability. Needless to say, the achievements of your fashion design company are the embodiment of your management ability. Being able to merge this company into our apparel company is exactly what I want: in this way, our new company will have a better foundation before it is built. You can rest assured, I will hand over the management rights and employment rights of the new company to you, and when the time comes, I will send a deputy general manager and an accountant. ”

As two-thirds of the shareholders, as long as there is a deputy general manager and an accountant, it is a big concession, if Qiangzi does not agree, it seems unreasonable and excessive.

"I admit that the conditions given by Mr. Liu are not bad." Qiangzi said with a grin, and changed the words, "The funds are out together, it seems that there is no problem; benefit sharing should also be fine; However, the risk sharing, I don't think it is necessarily, the biggest risk, or I am alone! ”

"What do you mean by that?" Liu Zhengming's face changed slightly, and the corners of his mouth trembled.

Qiangzi put away his smile and said, "What is the risk of sister-in-law?" The two million borrowed from the garment company and the two million shares in the garment company. The new company is well run, and it only needs to use the profits to repay the loan, and the sister-in-law will give out two million shares with empty gloves. If you don't do it well, you will not lose anything by paying off two million debts with a maximum of two million shares. At the end of the day, it's about using the money of the clothing company to earn shares in the clothing company. And what about the Liu Group building? It took out 4 million, but asked the clothing company to use 6 million assets as collateral. In this way, only my investment of two million is not guaranteed. ”

"So what do you mean? ......" Liu Zhengming listened to his words, asked quietly, slowly.

Qiangzi took his eyes away from the eye contact with Liu Zhengming and said, "I feel that I deserve some compensation." ”