"It's 100 million US dollars in total." Xiao Chen finally counted the Arabic numerals clearly, read it gently, and looked at Yang Rui.

Although there are capital Chinese characters in the brackets after the numbers, he is still willing to count Arabic numerals clearly.

The bank officials in the room were all breathing rapidly.

They are not the ones who have never met money.

However, it is really rare to make $100 million.

In recent years, China's economic growth has been very fast, and industries such as foreign trade have been rising rapidly will also have revenue of hundreds of millions of dollars. Foreign-invested enterprises have been in China for many years and have also remitted dozens of millions of dollars.

But that's all the revenue of the entire industry.

Looking around the country, how much is the domestic foreign exchange income in one year? Bank officials are familiar with the monthly figures. In the past few months, the average monthly income of the treasury was only slightly above 1 billion US dollars.

It means that Huarui's money is equivalent to one tenth of the treasury's monthly income.

For banks, this concept is even more terrifying. It can be said that the positions they grow can fill the deficits of three or five banks.

Not to mention, Yang Rui was talking about the first payment.

"The pharmaceutical industry is really profitable." President Ren sighed in an attempt to liven up the atmosphere.

Yang Rui smiled and said, "The expenses are also high. I am afraid that the 180 million US dollars I borrowed before will not be repaid immediately."

The loan to purchase sildenafil was borrowed from the four major banks, and it was a long-term loan without collateral, so naturally there was no reason to return it immediately.

Traditional Chinese people often have the concept of not owe money to seek peace of mind. However, people's hearts cannot rely on this method to be stable. If they do not develop, they will eventually fall into new uneasiness.

The first profit sent by Green Stone Corner Company is a sharp sword that can split countless roads for Yang Rui, and repaying the loan is the stupidest one.

President Ren could only smile regretfully and said, "You should use the money you borrowed as long as you pay the interest... Then, let's save it now?"

Yang Rui did not answer directly, but looked at Xiao Chen and asked, "How to save it appropriately?"

"Ah..." Xiao Chen seemed confused by the question, looked up at the surroundings, like a rabbit surrounded by a dog.

Yang Rui was not in a hurry and waited with peace of mind.

After a long time, Xiao Chen asked: "Does this million US dollars need to be deposited into the account?"

"Yes." Yang Rui replied: "There is no major expenditure plan for the time being, because profits will be put in later, so as long as you have a certain amount of cash preparation."

After thinking for a while, Yang Rui said again: "I want to make some preliminary preparations for the human genome plan. I expect it to cost some money, especially when ordering equipment, I have to use foreign exchange."

Self-filling laboratories is an indispensable part of human genome projects.

If you directly apply for state funds without filling, it is basically impossible.

However, because you use your own money to give public laboratories, the expenses should not be too much. Millions of dollars in the early stage and tens of millions of dollars in the later stage are enough. The remaining expenses can basically be taken from public funds.

In fact, if the relationship is strong enough and the face is thick enough, and if you fly to Europe and the United States to give ten or twenty or seventy or eighty times, you might get millions and lay the foundation for Yang Rui's laboratory before the genome plan.

However, what Yang Rui is most reluctant to do is this kind of thing. What most scholars are most annoying is such time-consuming, labor-intensive and shameless things. However, most scholars do not have enough money and cannot spend money to buy comfort.

But Yang Rui can.

What does he make money? Isn’t it just to do whatever experiments he wants to do? If he wants to fill in the money himself, does he fill in the money himself?

The human genome project is not understood by the public in the early stage, and it is also very difficult to require national funds. It is even more difficult to find funds in Europe and the United States. If you give it to other scholars, you can only give it up, and it is different to give it to Yang Rui.

When necessary, he could fill in all his cash, including every penny he earned from sildenafil, leaving only some broken houses to live.

Xiao Chen didn't ask Yang Rui's specific matters, thought about it carefully, and said, "When do you expect to use it, and how much do you need to use it?"

"A month or two, at least a few million US dollars, at most two or three hundred million." Yang Rui said more abundantly.

Xiao Chen heard it and smiled bitterly: "Your span is too big."

"Is it too big? Compared with $100 million, it's all within the range."

"But it's completely different for the bank." Xiao Chen didn't look up when he spoke, and he couldn't see the erotic bank officials.

In fact, he knew that the leaders' faces would not be good.

With so much money, unless you speak from the bank's standpoint, any loss will make the leaders feel very painful.

From the bank's perspective, it is best for Yang Rui to deposit 100 million US dollars for a fixed period, and the second is to deposit a current period. If you can use the current interest to deposit a fixed period, of course it is higher.

Their expectations for Xiao Chen were probably just to persuade customers like an ordinary bank teller.

Unfortunately, Xiao Chen is not willing to do this.

He has been in the banking system for a long time, and he has gradually figured out his character in the banking system.

Banks are fragile, short-sighted institutions that dislike the poor and love the rich.

This is determined by its system structure and cannot be changed by the staff inside who love the world.

Profits in the financial system come from imbalance in funds.

In order to pursue profits, the financial system will inevitably become more and more fragile, and in order to protect its fragility, it will inevitably be short-sighted.

Capitalist banks only want to lend money to rich people, and socialist banks also don’t want to lend money to poor people. Rural credit unions were a brave attempt, and the result was that bad debts were everywhere, and countless members lost their own capital, one or two yuan each, and they did not fall from the sky.

For bank employees, they are always inseparable from valuing everything around them.

For example, can work be converted into cash?

Actually, it is OK. When Xiao Chen graduated, if he could save a large sum of money at home in the bank, he might be able to overcome obstacles at the grassroots level and enter the branch.

Even the head office, he was not servile in front of Yang Rui's $100 million?

At this moment, Xiao Chen suddenly understood a lot...

Just like the banking system, it will not be changed by love.

When he becomes Yang Rui's middle-aged man, he will not be changed by the deep love of his leader.

Whether it is rational or the promise of the sunshine boy, he must stand on Yang Rui's side. Only by standing on this side is the most correct, rational, most beneficial, most valuable and most in line with the promise.

"I plan to buy some experimental equipment and consumables. Because it has not been decided yet, it is difficult to determine the price, and the time is the same..." Yang Rui explained to Xiao Chen that he did not avoid other bank cadres.

Xiao Chen's brain became clearer and clearer, saying, "I don't know much about experimental equipment, but the manufacturer should not require a one-time payment for such things."

"Of course, just give a deposit." Yang Rui nodded.

"In that case, the short-term expenses will only be deposits, right? The subsequent expenses can be offset by new income?"

"It's theoretically." Yang Rui shrugged and said, "The consumables also cost hundreds of thousands of dollars, but they're almost the same, so you don't need to pay the full amount."

He understood Xiao Chen's operation a little and cooperated very well.

"In this case, it would be more than enough to have a position of $1 million. After all, there is still future income, right?" Xiao Chen confirmed to Yang Rui.

Yang Rui nodded.

"Where is the local currency? Is 3 million enough?"

"It should be enough." The laboratory's RMB funding is sufficient, not to mention that Huarui's domestic income is also rising steadily.

In fact, Yang Rui built the stadium in Wukesong, and now his income is millions.

"In this case, it means that Huarui will spend the $100 million idle for a long time? There will be subsequent income. What is the expectation?" Xiao Chen wrote on the notebook.

Yang Rui smiled and said, "If sildenafil can become a bombshell, it will cost 700 million US dollars after tax. Of course, part of this money will be kept abroad to maintain operation."

If it really becomes a bombshell, it will not be a stable revenue of one billion US dollars. It is just the starting price. Viagra is a huge bomb that has been counted in history.

Besides, 1 billion refers to annual revenue. After several consecutive years, spending is getting smaller and smaller, and income is getting higher and higher, which is the norm for early sales of drugs...

Xiao Chen was shocked and couldn't hold the pen. After pausing for a few moments, he said again: "Does Huarui want to expand? What about the subsequent expenses?"

"The expansion is already underway, and Huarui has other benefits, and the total demand is not too high. However..." Yang Rui thought for a moment and said, "If we want to say that new drugs may be developed in the future. If this plan is implemented, it will cost a lot of money to increase the factory, spend money, establish a domestic sales system, etc...."

After the completion of the Hedong University Clinical Experimental Center, it is very beneficial for Huarui to develop new drugs.

Even if Yang Rui no longer makes new medicine by himself, he can guide the treatment, which does not hinder it.

The level of Huarui Laboratory is already quite good.

When Xiao Chen heard this, he realized that there was no problem with the plan, so he finally said it, saying: "How about asking the bank to provide all of this money in the form of a low-interest loan?"

President Ren's eyes were almost glaring out. You, a grassroots bank cadre, should you decide such a big thing like this indifferently?

Xiao Chen did not give the leaders the chance to refuse and said, "If you first use this $100 million as the base, I think the position of 2 billion yuan in local currency is very reasonable, and the interest rate is below 5% may be more sincere."

"No, no," Director Ren couldn't help it and said: "The interest rate for ordinary deposits now is 14, so how can you borrow a 5% loan?"

The 1990s was a year when China had extremely severe inflation.

The five-year deposit interest rate in 1990 was 13.68%, which means that the interest rate for the six-month period was 7.74%.

In contrast, the interest rate for five-year fixed deposits in 30 years is only 5%, which is a financial product that does not guarantee capital. The expected interest rate is rarely 7%. The interest rate for business loans of enterprises is usually between 8% and 12%, and the interest rate for microfinance and bank installment reaches 18%, which is already dangerous. The interest rate for provident fund loans is only about 4%, and the lowest is only 3%.

In 1990, the normal bank loan interest rate was 19.26%, which was 15 percentage points away from the 5% interest proposed by Xiao Chen, and 2 billion yuan was a year short of 300 million yuan.

The 180 million US dollars lent by Yang Rui has made many banks quite uneasy, and this is also the reason.

Money depreciates too quickly, and it is difficult for banks to operate.

The current current interest rate is 11.34%, which can be said to be a systematic shortage of money.

Xiao Chen knew that the bank's desire for foreign exchange was thrown to the Bank of China. If they used it as reserve, they didn't know how many billions of local currency they could get. The benefits brought by this were more than just interest.

He first looked at Yang Rui and said, "What do you think about this? The US dollar exists in the bank, and the bank releases long-term low-interest loans for operation and expansion."

This is actually a common method used by modern enterprises, including the world's largest general purpose.

Yang Rui was already very satisfied and immediately said, "It's up to you to decide. It's better to have more loans, and you can do more things. Well, is the follow-up profit the same?"

Xiao Chen laughed twice, looked at the leaders again, and said, "I think it's better to do the follow-up profits like this, otherwise, I'll talk about it later."

President Ren immediately surrendered.

Before he could even complain about Xiao Chen's "struggle", he stepped forward and said, "Professor Yang, then we will make a decision. From now on, we will be grasshoppers tied to a stick. Your sildenafil must be sold well."

He also knows how good sildenafil is, but he still needs a small bet on the global sales.
Chapter completed!