When Meng Yang appeared in the company again from the sky, he found that there were more people in the company, and the original free workstations were full. Pen @ fun @ pavilion wWw. ｂｉｑUｇE。 ｉｎｆｏ

Obviously, the company's business is developing steadily, and as a start-up, Lulu is doing a really good job.

"Yangyang, Yangyang, what kind of wind blew you here today?" Before Meng Yang could hit the two carefully, Xiangxiang pounced on him, and his unique loud voice immediately sounded in his ears.

"Xiangxiang, were you naughty when I wasn't there?"

"Xiangxiang is very well-behaved, I will help you look at these beauties, there are no less, there are several more."

Hahahaha~~

There was laughter in the office.

"Hello boss!"

"Hello big boss!"

"Mr. Meng!"

"Mr. Meng is good!"

The beauties greeted Meng Yang one after another, and some people gave nuts to Meng Yang to feed Xiangxiang.

Meow~~~

The tiger girl came out of nowhere and came to Meng Yang's feet to greet him.

At this time, Meng Yang found that compared with the last time, there were some small changes in the company this time, there were a lot of pet posters on the wall, all of which were some of the most beautiful pets, and some were still photos of pets standing on the podium, which was estimated to have won the competition.

In addition, the office obviously has a trend towards the development of the flower, bird, fish and insect market, small fish and green plants began to appear on the staff card slots, there are a few more bird cages in front of the window, and there are a few more beautiful cats on the ground.

Pushing open the office door, Lulu is discussing things with a girl.

"You're out of the mountain again?" Lulu joked about Meng Yang.

"It's better to be in the red dust, the gods can't do it!"

"Mr. Meng is good!" The girl in the office got up to say hello, said a few last words to Lulu, and turned to leave.

"Sit down!" Lulu got up and took a can of coconut milk from the refrigerator in the office for Meng Yang, Lulu was dressed in pretty professional clothes, plus she has been in charge of the company for a long time, and under the precipitation of her temperament, she has become a white-collar beauty who has been alive and well, and has a tendency to transform into a beautiful president.

"It's been beautiful again after a few days, and the company is developing so fast, is your husband under a lot of pressure recently?"

"What's so big about him, people say that the superstructure determines the economic base, no matter how big the enterprise is, if there is no superstructure support, a small section chief can make the enterprise die."

"Understand!" Meng Yang couldn't help but sigh, "Do you say we need to find a thigh hug?" ”

"I don't know, the bigger the company, the more I feel empty, I can sleep well when the scale is small, but now the development speed is so fast, I can't sleep well. I'm afraid that when a second generation will come out, and which one will be hit, and then he will be arrested, and he will be charged with a trumped-up crime, and in the end, he will lose both people and money. ”

"Are you really worried about that?"

"It's a little, didn't you say that let's have a good chance to further our studies, I signed up for a president class, and after getting acquainted, I found that in the circle that these students are in contact with them, as long as they are in a large-scale company, the management has almost either done immigration or is handling immigration, and the proportion is very high."

"Elite immigrants?" This is an area that Meng Yang rarely pays attention to, although he usually hears and witnesses it, but to be honest, he really doesn't know much about it.

"In the past few years, immigrants were more skilled immigrants or labor immigrants, and now they are more investment immigrants, all of whom are successful people in China to handle immigration, anyway, for them, they have climbed to the upper class, immigrating abroad to do business, without delay, getting a foreign passport, and doing things in China is more convenient."

"Do you have an idea of immigration?"

"I don't know, I haven't seriously thought about this aspect of things, and besides, my husband and I are not good at English, and the language of immigrating is a big problem."

"I feel that even if we emigrate, the time has not yet come, when our personal assets exceed 100 million, it is not too late to seriously consider this matter."

"Hmm!" Lulu thought about it and felt that Meng Yang's proposal was more reliable, and now she just had a little money to immigrate, which was uncomfortable for herself, and maybe her living standard would decline.

"According to your idea, I have recently contacted several banks, and some wealth management companies, the bank needs to be mortgaged, and we actually don't have any real estate to mortgage, so the loan has not been negotiated, but several wealth and fund companies have expressed their willingness to provide unsecured commercial loans, but the interest rate is relatively high, I want to hear your opinion."

"How much is the interest?"

"20% annual."

"Oh rub!" Meng Yang was taken aback, "What a high interest!" ”

"Unsecured loans are like this, we are low, and some can even be as high as more than 40%."

"Forty percent interest...... Isn't that a loan shark? ”

"There's no way, the bank loan doesn't matter, it can't be done. When the company lacks funds, it can only find another way, anyway, either it is short of money to hold on, or it can only bear high interest. ”

"Tut-tut! 20% interest! ”

"Brother Meng, shall we take out a loan?"

"What do you think exactly? How much do you plan to borrow? What is it used for? ”

"I feel that our physical store exhibition speed is relatively slow, and I plan to borrow 10 million yuan to build flagship stores in provincial capitals, and then rely on flagship stores to display chain stores. There is a demonstration flagship store in the local area, and when people see that the business of your flagship store is booming, there are naturally more people who are willing to join the chain. And I consider investing more in the concubine to build our own e-commerce system, which will cost a lot of money. ”

The number of "10 million ......" is a bit big, and Meng Yang is a little hesitant in his heart, because he is afraid that the good and benign development of the enterprise will be dragged down by the loan, or the development speed is too fast, and he will support himself to death.

"I have two concerns, the first is that if the loan comes in, once we can't repay the interest on time, it will definitely make us feel broken; The second is that once we borrow money to develop ahead of time, we will focus on the development of the physical store system, but the profitability of the physical store is very average. ”

"The first question, I feel that the company is running well now, and the solvency of funds is still okay, so there should be no such problem. Second, control the speed, play steadily, and don't be greedy. ”

"What do they think?"

"We have had several meetings, and we feel that the pressure of competition is getting bigger and bigger, and we have been relying on e-commerce to inevitably embark on the road of price war. Only with advantages that others cannot imitate can we guarantee our competitive advantage. ”

Meng Yang thought about it for a long time, and finally decided to take this risk, everything has risks, and risks can never be completely avoided. Now for them, in order to build their core competitiveness as soon as possible, it is worth paying some financial risks. As long as you are careful, the risk should be manageable.