Guan Huang and a few people walked into the bank conference room.

On one side of the table were the bank's vice president in charge of credit and two strangers in suits.

Say a few words of greeting and sit down in turn.

Huang Zhaoyou began to introduce Superman's business and data, and Guan Huang focused on the vice president, who seemed a little absent-minded.

Guan Huang's heart sank, but at this time, there was no good way.

Huang Zhaoyou: "Our online ordering service has covered nearly 100 cities across the country, with 4 million users, nearly 80,000 franchised restaurants, and an average daily order of more than 500,000 orders, and I predict that it will exceed 1 million orders within three months......

The deputy governor interrupted him: "The growth side is worrying. ”

Huang Zhaoyou was stunned for a moment, a little incredulous: "Is it worrying that the sales growth rate has reached 100%?"

"You're growing too fast for your net worth," the vice president said. ”

Huang Zhaoyou came back to his senses and said directly: "We are an Internet company, how can we have the problem of growing too fast, to a certain extent, if we grow fast, we must be accumulating net assets." ”

The vice president waved his hand: "No matter what the company, no matter the size of the company, the principle is the same, there are risks to off-balance sheet growth. ”

Guan Huang interjected: "Life is to grow, the company is to grow, if you don't grow, you will be eliminated." ”

The vice president shook his head: "But we don't see it that way. ”

Huang Zhaoyou: "You can't tell customers that the takeaway you ordered is delivered too fast, and you can't say to competitors, I'm running too fast, wait for you." ”

The vice president said with a hint of shame: "These two things are not related. ”

Huang Zhaoyou really wants to say that your thoughts are completely irrelevant.

But that's all I have to say, I can only explain:

"The concept of Internet companies is that sales continue to grow, there is profitability, coupled with unlimited upside, it is equal to a high-quality company."

The deputy governor "hummed": "We are a commercial bank, not a venture capital, for us, the most important thing is the cash balance, and I hope you will never exceed your cash balance." ”

Huang Zhaoyou took a deep breath and calmly tried to explain the food delivery business to the vice president, "If we don't maintain the upward trend, we can't convince the capital market that we are the best food delivery company in China, and if we can't convince the capital to believe that we are the best, they will invest in other companies, thus giving us more competition, so it is necessary to maintain rapid growth." ”

All this is without taking into account the competition with its biggest rival, Meituan, and Ahri's entry.

The deputy governor was indifferent.

Different from the previous questioning during the loan, the vice president did not take Huang Zhaoyou's persuasion seriously at all, and persuaded Superman and his party in turn.

"Mr. Guan, you need to slow down your growth. You don't have enough net worth to support that growth. ”

Guan Huang remained silent.

In the end, the two sides broke up unhappily.

Huang Zhao and his entourage went back to the company first, and Xia Qixi and Guan Huang shared a car.

"I'm sorry, I didn't know he had this attitude."

Guan Huang shook his head: "No matter what your business, it's just a loan of 10 million." ”

Xia Qixi was puzzled: "Governor Ling didn't have this attitude before, why did he suddenly change?"

Guan Huang: "Forget it, it's useless to think too much, and then try to find another bank." ”

Xia Qixi: "Okay, I'll go back and ask my dad again." ”

Guan Huang smiled: "Uncle has helped too much, don't trouble him anymore, I'll figure out a way to do this." ”

If he can help, he will naturally not be polite, but unfortunately he has made many moves before, and the friendship is almost here.

Xia Qixi: "It's okay. ”

Guan Huang leaned back in his chair, thinking about how to solve the problem.

Xia Qixi stretched his body, turned his head and asked, "By the way, did the previous Tianhe company have any investment intentions?"

Guan Huang pondered for a moment and said, "The other party's strength is average, and I haven't contacted it yet." ”

Xia Qixi: "It's better to ask, although Tianhe is not very famous, who knows what is hidden under the water"

Guan Huang nodded slowly: "This is also true." ”

Xia Qixi: "Besides, people just don't lead the investment, they will definitely follow, if this financing, our Rose Fund will definitely follow." ”

Guan Huang joked: "I forgot about you, a little rich woman, do you want to lead the investment?"

Xia Qixi blinked, "Okay, although 100 million is a lot, we can take it out if we get together." ”

Guan Huang was stunned for a moment when he heard this, and looked at her carefully.

Xia Qixi is wearing a pink suit today, her bumpy figure is doubled, and her long legs are even more eye-catching, slender and incredible, just sweet like a peach.

"Really"

Xia Qixi's face was slightly red when he was seen, and he said uncomfortably: "That's still fake, but the valuation is a little lower." ”

Guan Huang smiled and asked, "How much?"

Xia Qixi's temptation: "400 million"

Guan Huang shook his head.

"500 million is fine."

Guan Huang closed his eyes and thought for a while, "Well, wait a minute." ”

Xia Qixi: "Okay then, I'll wait for your news." ”

After all, 100 million is not a small amount for her, except for other project investments, the Rose Fund is basically 100 million funds.

All pressed on Superman does not fit the "eggs don't put in one basket" theory of venture capital.

The other party did not agree on the spot, which can be regarded as giving her a room to think and relax.

Guan Huang weighed that the valuation of 500 million yuan and the investment of 100 million yuan are almost 16.7% of the shares, which is acceptable.

However, he still wants to try harder.

"You're so optimistic about Superman"

Xia Qixi: "Do you want to hear the truth or lies"

Guan Huang: "What do you say?"

Xia Qixi: "The lie is that takeaway is a super outlet, Mr. Guan is talented, and now he doesn't get in the car, but when will he wait." ”

Knowing that the other party was joking, Guan Huang was still very happy, when it was true or false, it was true, they were all adults, some things didn't have to be said too thoroughly, there was a lot of information in the falsehood, and Mr. Guan was talented.

"What about the truth?"

Xia Qixi raised his head, "Life is a gamble, sometimes the opportunity is missed." ”

Guan Huang nodded slowly, listening to the other party continue:

"It doesn't matter if the takeaway is the outlet, the important thing is that you do it, you spend eight months more than the accumulation of several years of hungry company, I am willing to believe you and gamble."

Guan Huang: "Aren't you afraid of losing?"

For large funds, you can bet at both ends, diversify the risk, invest 10 million in Didi, invest 10 million in fast, and the cost is only 20 million, and once you hit it, it will be ten times and 100 times the return.

For the Rose Fund, investment is a desperate gamble, and once it fails, it is almost bankrupt liquidation.

When Xia Qixi heard this, he laughed, as if flowers were blooming: "I believe in you." ”