"Cooperation is secondary. The main problem at present is that Tiancheng's commercial credit has been seriously overdrawn, 3+2+2, with a total loan of up to 700 million.

In Tiancheng's financial report last month, total assets were only 150 million!

Debt ratio = total liabilities/total assets x100%, 467%!

If you are insolvent, you can turn around twice as much, borrow twice as much, take three times as much risk, take risks as much as four times, and finish it after five times!

How about you change the branch office and apply?"

Listening to the serious nonsense of the ICBC leader, Ge Xiaotian curled his lips, turned around and walked down the slope, took out the document bag he carried with him from the car, and dug out his mobile phone.

At this time, Comrade Ge Feng activated the Dajinbei, "Xiaotian, let's go to your second grandfather's, third grandfather's, and several uncles' houses first, and we'll come back to pick you up before noon!"

"good!"

Ge Xiaotian responded and called Director Sun and asked him to come over as quickly as possible.

Insolvency and inability to repay are completely different things.

According to Tiancheng's existing projects and future plans, the bank does not bear too much risk, otherwise it would not come to lend money.

A new year, a new start, plus the issuance of red banknotes, all major banks have lending tasks.

In December last year, the other party's loan task was completed. Even with the help of Xiang County leaders, the 50 million loan was delayed again and again.

After New Year's Day, the second loan of 300 million was quickly approved.

Now Xingyue Bay Phase II is worth 200 million, and Jinxiuchuan University Town is worth 200 million. It seems that they all have the shadow of the place, but in fact, I am afraid it is the bank's own decision.

As for what the other party meant when he said this...

It just wants to show that Tiancheng can get the loan based on his own strength. Your second uncle wants to borrow 50 million, but I'm afraid he doesn't have the qualifications. It's better to give the loan to your other branches.

Tsk tsk!

What a great plan!

I want to complete the task but don't want to take any risks, and I also want two independent office buildings...

Do you really think that I, Ge Laoer, am a young man?!

It's time to show your true strength!

One hundred and fifty million?

As a serious developer, as a leader in lending, as a man with a golden finger... How could he only have such a small amount of assets after working hard for three or four months?

It’s so disrespectful!

…………

Director Sun came very quickly, riding a heavy motorcycle that Brother Hao had not driven for a long time, dragging a long line of billowing smoke.

"boss!"

"Are the materials ready?"

"It's all in there!"

"Well, thank you for your hard work!" Ge Xiaotian took the folder and flipped through it roughly, "Boss, let's talk about 3+2+2 first. A special loan of 300 million yuan for the sports center, of which 100 million yuan is a mortgage loan. The original mortgage loan

It’s the engineering machinery and construction qualification of Tiancheng Company, right?”

"right!"

"The remaining 200 million yuan is a credit loan! The 200 million yuan for the second phase of Xingyue Bay has not been approved yet, and the 200 million yuan for Jinxiuchuan University Town needs to wait until the Jifutian Branch is established. This is correct, right?

?”

"That's right!"

"If you remove 2+2 and then remove the 100 million mortgage loan, that means Tiancheng currently only has 200 million credit loans!"

"This...little God, we can't settle the score like this!"

"Wait a moment, let's take a look first!" Ge Xiaotian opened the folder again and flipped to the Commercial Street in District D of Xingyue Bay, Xiangxian County. "Leader, this is an asset owned by Tiancheng. Check to see if the number is correct!"

Bank staff gathered around, "The office building in District D of Xingyue Bay, Xiangxian County has a total construction area of ​​37,000 square meters and a value of 98.14 million. There are also 75 units of commercial street shops worth 98.14 million."

58.55 million. A total of 156.69 million!"

"This is one of the assets that has just been integrated. How much can I borrow?"

"This..." The ICBC leader was silent.

Ge Xiaotian turned to the second page, "The landmark buildings in Xiangxian County: Crescent Moon and Square! Now this is a prime location, with primary and secondary schools on the south side, Xiangxian Xinyi Middle School on the north side, and there was no planning on the west side before (leaved to Shangpin Construction

Work, the other party did not come), now it has been bought by the county hospital, there is still a lot of room for value-added in the future! The current average price here is 3,010 square meters (commercial), the total construction area is 7,600 square meters, and the value is about 2,280 square meters

One hundred thousand."

The third page.

"I wonder if your bank accepts mortgage loans for property-owned underground parking lots? I have 5,000 parking spaces here, which are under construction. After completion, we will only rent them, not sell them! The total value is about 10 million."

Few people buy cars these days, so a parking space is certainly not valuable. One car only costs 2,000 yuan. If you keep it for ten years, it will probably be worth more than ten times.

Page 4.

"I believe everyone has heard that when Tiancheng won the sports center project, it was a negotiated bid. Tiancheng and the city each contributed half, with a total investment of 2 billion. Tiancheng has 30 years of operation rights. I don't know if it can

Get a loan? At present, the basic project of the UFO Stadium has been completed, and it will almost be completed in October! The value of the operating rights is difficult to estimate, but for a project worth 2 billion, based on the construction age of 100 years, it will take 30 years

The operating rights are worth 600 million, right?"

"No, it can't be calculated like that!" The bank leader immediately became anxious. Can that thing in the sports center make money?!

"Wait a moment, we'll talk after we finish!" Ge Xiaotian turned to the fifth page, "Everyone in the public transportation system must also know that there are currently five lines, with a total of fifty tourist civilization buses, fifty intercity pioneer buses, and twenty bus buses.

The "Zhifu Poverty Alleviation" bus, as well as 30 passenger buses purchased before, and a Daewoo with bunk beds driven by my second uncle. Buses are not cheap! Look at the imported assembled buses bought by Ji City. Each one is 90

It’s over ten million, and these cars like mine are so durable, powerful, elongated, equipped with air conditioning, and sit high and look far away, so why should they cost one million?”

"Why did I hear that it only cost twenty..."

"That was a long, long time ago! Now this kind of purely domestically produced high-end cars are rare in the whole of China!" Ge Xiaotian felt a little hot, unzipped his down jacket and loosened his collar, "Here, let's take a look at the purchase order and invoice

!”

Many parts of buses need to be imported and are expensive. When assembled, each bus is as fast as a tiger's head. This is why many places would rather buy a few more minibuses than buses.

The purely domestic buses renovated by the Mechanical Department relying on the Great Liberation are cheap, but their appearance is really ugly... no, they are too overbearing!

Can't sell it at all!

When the automobile factory faced bankruptcy, it took the order for fifty "Ugly" vehicles. Now that the business situation has improved, it is natural to adjust the production line.

However, Tiancheng's orders continued to flow, accumulating more than 200 vehicles. For the sake of money, Jiefang decided to optimize the ugly monster, turn Guan Gong into Diao Chan, and sell it to the public.

Name: Intercity Pioneer!

But 'saying' is one thing, and 'doing' is another.

Optimization, how to optimize?

Replace the low-entry bus-specific chassis, adopt ultra-high safety front and rear axles, add an articulated disc with an extremely low failure rate, replace the transmission with extremely high compatibility, and introduce an electronically controlled hydraulic power steering system...

Given the current level of China's automobile manufacturing industry, all of these things need to be imported.

But in this case, what is the difference from imported and assembled buses?

So, Tiancheng took action again!

Engine? I have it!

Front and rear axles? I have more advanced ones!

Gearbox? What kind do you want?

Hydraulic shock absorbers? Hydraulic power steering systems? Take a look at the design drawings of the Lotus Stadium!

Articulated disc? Wait a minute, I’ll buy an imported bus and go back to dismantle it and study it!

As a result, Jiefang and Tiancheng Machinery Department launched a comprehensive cooperation, and because Tiancheng also wanted to enter the automobile manufacturing industry, the two parties once again reached a strategic partnership.

Currently, in terms of buses, Tiancheng provides the technology and Jiefang is responsible for the production!

And the sales price…

600,000 for the ordinary type, 900,000 for the extended type, 16 meters, 18 meters, and 1.1 million for the hinged plate!

All are priced lower than imported cars ranging from 300,000 to 500,000!

Selling to Tiancheng was definitely a cost, but when Director Sun purchased the s600, he learned a lesson and performed some operations for the benefit of the company.

For example, each bus is purchased according to the external sales price, and the invoice is normally issued for 1.1 million. Jiefang calculates the profit, and then treats it as dividends from Tiancheng's technology stocks, and then returns it to Tiancheng...

Well, it is still the cost, and a few more taxes have been paid, but the invoice for the bus has increased from the cost price to the external sales price of 1.1 million, but it is not considered a "false invoice", it is legal, and it has increased Tiancheng's assets.

Ge Xiaotian didn't pay attention to this at first. Some time ago, Director Sun consolidated the company's accounts, prepared to upgrade the construction qualifications, and listed the total assets of the bus system. He was stunned on the spot.

Not counting the Tourism Civilization Bus (running to the countryside), nor the buses acquired through mergers and acquisitions, only the Intercity Pioneer (running to the city), the second batch of 50 buses, 50 buses on the road, and 100 buses that have not yet rolled off the production line

A car...200 million!
To be continued...