Chapter 218: Rejection of the bank, risk transfer
However, she also figured out what kind of personality Ye Hua was, after all, she knew the roots, so nothing happened, otherwise she would inevitably be tossed by him for a while.
"These things are all you reminded me that I have to report to you if I have progress, Intel has airlifted the first batch of chips, a total of 6.5 million pieces, and other outsourcers have also completed the first batch of supply, and the final modular assembly can be carried out in a week, and the final PHC host can supply about 6 million sets to the market by the beginning of May."
Ye Hua nodded, PHC equipment may not be the most profitable product of the coastline company, but it is the cornerstone of the entire ecological chain, he attaches great importance to this matter, thinks for a moment and says: "The production capacity is still not enough, notify the operation department to expand the production capacity as soon as possible." ”
"Well, we have already started to discuss the expansion of production capacity internally, and in a week, the company will gather outsourcing manufacturers downstream of the industry to expand the scale of production." Qiao Wei said.
With the mass production of PHC, the Pearl River Delta electrical products manufacturing industry has ushered in a good time, and the coastline company wants to produce 20 million sets of PHC equipment, which means that it will bring more than 120 billion US dollars in output value, equivalent to more than 800 billion yuan of orders being divided by the upstream and downstream supply chains.
Manufacturing factories that were originally laying off employees or even facing closure because they had no jobs to take on immediately prospered, and Shoreline Company's orders were outsourced to major supply chains.
The coastline company naturally can't take out more than 100 billion US dollars at once, and it is impossible to have so much money, but the upstream and downstream supply chain can't be eaten at once, the first phase of the coastline company smashed more than 20 billion US dollars, that is, 140 billion yuan, and put all the money earned last year into PHC mass production, and with the arrival of PHC pre-sale and May sale date, the second phase of investment will also follow up after the return of funds.
It is worth mentioning that during this period, the major commercial banks are about to break the threshold of the coastline company, and the bank has learned that the coastline company will invest 20 million sets of mass production in PHC this year, and quickly calculated that this requires a capital scale investment of 137 billion US dollars.
However, with the popularity of PHC pre-sale, the risk assessment centers of major banks immediately regarded Coastline Company as a high-quality investment object, so the presidents of major commercial banks came to Coastline Company to promote the payment business.
More than 130 billion, or dollars, the coastline company is rich, but it is not so rich, the world can now come up with so much money except Apple, no second company can do it.
Even the major banks will not be able to come up with it, but it is estimated that after the capital turnover of the coastline company is offset, there should be a funding gap of more than 40 billion US dollars, about 300 billion yuan.
Even if more than 300 billion is a sky-high price, two or three banks can't bear it.
It can be seen that it is not surprising that the bankers have broken the threshold of the coastline company, but the presidents of the major banks are very angry, because they have not been able to see Ye Hua himself as they wished, and the coastline company is indeed short of money now, but it has not borrowed a penny from the bank.
What really made the bank very angry was that Ye Hua not only didn't meet any bankers himself, but he also didn't allow company executives like He Hao and Qiao Wei to deal with the bank.
Shoreline has not had a debt bank since its inception, partly because he wants this record to be maintained forever, and to implement Shoreline's zero debt ratio to the bank, as long as you don't owe the bank money, your business will definitely not have any unpredictable moths.
Ye Hua is really not interested in the gang of people who are engaged in finance and bankers, they are the real vampires, and the coastline company does make more money than finance, but it cannot ignore the promotion of entities and technology.
And what about the bankers? Now I see that your prospects are good, I will lend you money, and if something happens, I will immediately withdraw the loan.
The so-called loan withdrawal is that before the repayment period specified in the agreement, the bank thinks that there is a problem with your business operation, and he asks for the loan to be repaid in advance.
The former richest man Lao Wang went from buying, buying, buying, selling, selling, and selling, which was a matter of bank loans, and the entire Wanda Group was crumbling.
Ye Hua has always been a cautious person, no way, there are too many people who have offended, too many people have been moved, and large-scale debt banks mean that uncontrollable risks will soar, in case there are business problems in the market, such as human operation, and being partnered with in the back, it will cause a chain reaction.
At this time, if the bank gives you a trick to draw salary, it is simply a matter of personal life, if you really encounter this kind of thing, then Ye Hua Tie will definitely have to sell and sell like Lao Wang, and those bad old men who play finance are very bad.
Without owing money to the bank, none of these potential risks will be linked to the shoreline company.
In fact, Ye Hua is also a thief, and maintaining the record of not owing a penny to the bank is definitely not the main reason.
The reason why he didn't see the bankers himself, and at the same time didn't let his subordinates come into contact with him......
But the more than $40 billion funding gap of the shoreline company is still there, and the fact that people who don't see the bank doesn't mean that the gap is gone.
The bank is closed to shoreline, but as long as the mass production plan of 20 million PHCs this year remains unchanged, the gap of more than $40 billion will not disappear, and the bank also knows this.
For banks, this business must be done.
Ye Hua has now closed the door of the coastline, and at this time, it is equivalent to forcing the bank to find the major outsourcing manufacturers of the PHC supply chain, and it is the same to lend them money, but then it will be a lot of trouble, and the cost will rise a little.
But at least this lending business can sit and still make money.
And Ye Hua also tacitly cooperated with the bank at this time, in fact, he just played a wave of hooligans with the following supply chain manufacturers, which is also very bad, making it clear that I don't have so much money, but if you want to take my order, you have to keep up with the production capacity, and then I will give you money when the funds flow back, if you don't do it, I won't place an order for you, I'll give it to someone else, you can do it.
At this time, the bosses of the factory are very uncomfortable, which means taking a lot of risks.
The money is invested, the accounts payable of the coastline company is delayed, and the company's capital turnover will have problems, in case there is a problem in the market, the goods can only be hoarded in the inventory, and the risk is here, but you can't give up the fat order of the coastline company, what should I do at this time?
Then for the factory owners, there is only one way, to find a bank loan.
All I can say is...... Wonderful!
Ye Hua's move is tantamount to killing two birds with one stone, which not only solves the problem of insufficient production capacity supply caused by the company's capital gap, but also evenly distributes the risk to the manufacturers in the upstream and downstream supply chains.
The move is a high move, but it is a loss, and for no reason, let the bosses of the major factories take the risk, and he will definitely scold Ye Hua behind his back.
However, Ye Hua didn't mean to pit them, so many supply chain manufacturers, behind them are thousands of on-the-job workers, and the bank doesn't dare to make this money, and it will engage in such a thing as a loan at every turn, and the scope of the epidemic is so wide, the bank will also have to reassess, if the bank is so blind, all of a sudden the factory will collapse in pieces, and hundreds of thousands of millions of people will be unemployed, then something big will happen.
Although Ye Hua transferred the potential risks to the upstream and downstream supply chain manufacturers, due to the wide area and large influence, the banks did not dare to come blindly, and in the case of multiple constraints, it was equivalent to offsetting the potential risks by realization.
What are you doing with those vain brains that are all doing capital operations that harm others and benefit themselves, everyone is still honest and doing business together, they all have money to make, and they can eat meat, this is sustainable money, and scientific development, how good.
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