While in the hospital ward, Cheng Cuihua handed Cheng Yu a piece of paper, which was a printed copy of the bank's batch transfer.
A total of 45 million yuan is not something that can be easily raised at once.
With the financial resources of Cheng Cuihua and his family, the only way to raise the 45 million yuan is to sell the entire resort. This is obviously impossible. This is what Cheng Cuihua and Lao Jinchen depend on for their survival.
Basically, at the same time, Cheng Yu also made it clear that he did not want them to repay the money by selling off the resort.
During this period, Cheng Cuihua first sold four properties under his own name and Lao Dapeng's name, leaving only the property in the county that was not worth 200,000 to 300,000 yuan. Of these three properties, two were located in Harbin,
One is a villa under the name of Lao Dapeng, worth more than 10 million. The other is a commercial house that Lao Jinjin and Cheng Cuihua are planning to use for their retirement in a few years, worth 2 million. The other is a villa in Dalian.
A seaside apartment with a small area but a good unit price was sold for more than 3 million. The other one actually came from the Cheng family. It was the property that Cheng Guangnian bought for Lao Dapeng in Wudong. Although it is an old community,
However, Wudong’s housing prices and the fact that the location happens to be in the catchment area of a key primary school make the unit price staggering. A two-bedroom apartment of just over 70 square meters was actually sold for a price close to that of a villa in Harbin.
Coupled with the original savings, I collected more than 30 million yuan.
After sitting on more than 30 million in cash, Cheng Cuihua contacted Cheng Yu. She said that she was contacting the bank to discuss loan matters, and said that she would get the remaining more than 10 million as a loan as soon as possible, and then transfer it to Cheng Yu.
Yu.
Of course Cheng Yu would not agree with her approach. It would be better to let Cheng Cuihua owe herself the loan interest to the bank. For example, operating loans like Cheng Cuihua's that use resorts as collateral and normally require a repayment cycle of more than three years.
Even if she is a well-qualified local entrepreneur in the local area, the bank will definitely have some caring policies, but the annual interest rate will hardly be lower than eight points.
Therefore, Cheng Yu told Cheng Cuihua that the remaining more than 10 million existed in the form of debt. Cheng Yu could promise to pay off the debt in five years, with an annual simple interest rate of five points, but regardless of whether the debt Cheng Cuihua
Whether you can repay it early or not, you need to pay full interest for five years. In other words, Cheng Yu promised to let Cheng Cuihua repay the more than 10 million in five years, but he had to charge her a total of 25% interest.
.
Cheng Cuihua agreed after thinking about it briefly. First of all, it was lower than the bank interest rate. Although he had to pay interest for five years when returning the money, if Cheng Cuihua already had the ability to pay the amount in about three years,
She can also put this money into some investment and financial management, even if it is a bank deposit, it is not difficult to get the interest rate to 5 points. Therefore, this repayment method is actually beneficial to Cheng Cuihua without any harm.
Secondly, Cheng Cuihua actually knows very well that Cheng Yu is a talent who specializes in investment. His investment company has been regarded as a unicorn-like existence in just one year since its establishment. Even though the company's valuation is currently far from
The threshold for becoming a unicorn is still some distance away, but this does not prevent the outside world from being optimistic about their company. They all feel that with the current development speed, becoming a unicorn is just a matter of time. Even Cheng Cuihua still needs the help of the Internet to understand the unicorn
The meaning of the term beast enterprise, but this does not prevent her from knowing that in the hands of Cheng Yu, these more than 10 million will play a role several times or even ten times more in the investment market, and the benefits will not be mere
Five points a year can be compared.
This means that Cheng Yu did not want her resort to be in debt to the bank, so she extended the repayment time.
Cheng Cuihua was deeply grateful for this, and during this period, she transferred her cash in batches to the account designated by Cheng Yu.
Cheng Cuihua didn't know that Cheng Yu didn't need the transfer information at all. He didn't even need to check his own account to know that Cheng Cuihua was constantly transferring money to him. The reason was simple. Every time Cheng Cuihua's transfer entered,
In his account, a golden number will flash in Cheng Yu's mind. Every 10,000 yuan represents one point. Currently, he has received a full 3,000 points, which means that Cheng Cuihua has paid back 3,000 points.
Give him 10,000.
Of course, this transfer record is still necessary. For Cheng Cuihua, it is no different from a repayment receipt, and Cheng Yu's points have now reached nearly 77,000 points.
After reaching level nine, there is no longer a limit of one hundred points, which is really great news for Cheng Yu. Otherwise, even if the 30 million is divided into several transfers, it will only be a few transfers.
An income of 100 points, if this is really the case, wouldn't Cheng Yu be heartbroken to death?
Of course, if the cap limit is still there, Cheng Yu will most likely have a detailed discussion with Cheng Cuihua and ask her to remit no more than one million in each transaction. Only in this way can he maximize his own interests.
Watching his life turn into numbers and still passing by minute by minute, but the points in his hand were enough to exchange for more than twenty years of life, Cheng Yu felt extremely at ease.
He thought of the diamonds in his hand, which were worth more than 30 million U.S. dollars. If converted into soft sister coins, it would be as much as 200 million U.S. dollars. This means that by the time these diamonds have fully exerted their value,
At that time, Cheng Yu could still get an additional 20,000 points out of thin air.
Even if Cheng Yu processes these diamonds into finished products and then sells them to the market, it is not impossible that he can get a higher price and eventually settle for more than 30,000 points or even higher.
It's time to start taking care of this matter. It is imperative to establish a jewelry company.
But the problem is, Cheng Yu really knows nothing about the jewelry industry. For him, the relatively simple way is of course to find a reliable buyer for these diamonds, and then directly pocket the cash. But that will cause a lot of problems.
Unnecessary trouble, the source of diamonds will become a very serious problem.
According to my country's laws, diamonds do not need to pay consumption tax at the import stage. In other words, only about 4% of the value-added tax needs to be paid at the import stage. The consumption tax will be collected at the sales stage. However, the process Yu's batch of diamonds entered the country directly without going through any customs approval procedures. If he were a practitioner in the jewelry industry, and there are ten or eight jewelry stores across the country, it would be very easy to digest this batch of diamonds. .Those diamonds that enter the entrance will undoubtedly flow to the market in this way.
But the problem is that Cheng Yu's family has nothing to do with the jewelry industry. He doesn't have any, and Cheng Guangnian's Cheng Group has no business in this area. If Cheng Yu wants to process and sell these diamonds in a secretive way, he must
First establish a jewelry company, and make it stand out quickly. I dare not say that if you want to become a decisive company in the industry, it must at least be a national chain model, at least have branches in first-tier and first-tier cities.
Just fine.
To achieve this, it cannot be accomplished in a short time, and it requires a lot of energy, and it requires a lot of investment in the early stage, which Cheng Yu cannot tolerate.
After much hesitation, Cheng Yu decided to ask Xue Changyun for help. There was no way, he had always been an honest kid. When he was studying in the United States, no one even knew his true background. At most, they thought he was from a relatively wealthy family in China.
As a son, he would never have imagined that his family's company would be such a giant. Therefore, Cheng Yu's social circle is really small. Even after returning to Wudong for more than a year, he has met many people, but this kind of thing is too big.
It is impossible to find such a candidate if the other party has connections and you can trust the other party.
If he hadn't been forced to do so, Cheng Yu wouldn't even want to find Xue Changyun.
It's not that Xue Changyun can't be trusted, but that these diamonds actually have something to do with the two children who now live in Xue Changyun's place.
It cannot be said that these diamonds belong to Zhuang Yi. The two little ones naturally have no inheritance rights. What's more, these diamonds were originally the reward Zhuang Yi promised to Cheng Yu. Cheng Yu has no psychological barriers to holding these diamonds.
But he couldn't tell Xue Changyun these things exactly, which was embarrassing.
Seeing that it was still early, Cheng Yu called Xue Changyun.
"Mr. Cheng, haha, I was just thinking about whether I should disturb you." Xue Changyun answered the phone with a relaxed tone.
Cheng Yu was slightly startled and said, "You came to Wudong?"
"Well, I had a dinner party here. It just ended. I wanted to ask if you were free, but I heard some rumors that your second uncle and his son had rushed back from other places. I guessed that there was something wrong with your family, so I
I don’t know if it’s convenient to disturb you.”
"You know now?"
"You've called me, which means there's nothing wrong with you, and you should come to me if you have anything, right? How about we meet?"
Cheng Yu agreed and left the Cheng family's courtyard without going to say hello to Ning Kezhu.
There was another person with Xue Changyun, who was the person in charge of a local start-up company. Xue Changyun probably had already told him who was coming, so when Cheng Yu walked over, that person had already stood up in advance to greet him.
.
Cheng Yu nodded slightly to the man, and then sat down on the left side of Xue Changyun.
The man didn't have any trouble at all and sat down directly. Xue Changyun poured a glass of wine for Cheng Yu and introduced with a smile: "This is Mr. Xue. I was the same family five hundred years ago. I started a company eight years ago.
We have some business dealings with me. Of course, we are friends now."
Cheng Yu nodded. He knew that Xue Changyun meant the word "friend" and that he would not say it casually.
"Mr. Xue, hello."
"Hello, Mr. Cheng, I have long admired your name."
Cheng Yu actually felt a little strange. He took the initiative to find Xue Changyun. He should have understood that he had something to do with him. When he was not sure what the matter was, Xue Changyun should not leave an outsider present. This shows that Xue Changyun did it intentionally.
Sure enough, Xue Changyun picked up the wine glass and said, "Let's have a drink."
The three of them raised their glasses and clinked their glasses.
"Today is also a coincidence. Where is Mr. Xue? The company has recently been financing, Series C, and there are several large domestic capitals that are interesting. Mr. Xue is hesitant. I wonder if Mr. Cheng is also an investor? I just thought about it.
Let me introduce you two to each other, and maybe we can even make something good happen."
After Xue Changyun finished speaking, Cheng Yu glanced at Mr. Xue and found that he frowned secretly. He didn't know whether he was slightly dissatisfied or surprised, but it only lasted less than a second.
Cheng Yu smiled and said, "I'm afraid I'm sorry. Our company is small. In principle, apart from the projects we have already invested in, we only invest in angel rounds."
Hearing Cheng Yu's words, Mr. Xue was obviously relieved. He might actually be a little worried that if Cheng Yu was interested in his company and wanted to invest but didn't know how to refuse, it could be heard from Xue Changyun's words,
His company has no shortage of investors and is a relatively popular investment target. If Cheng Yu is really interested, then his previous promises to certain investment institutions will be reduced. After all, he is in Wudong.
I definitely wouldn't want to offend someone like Cheng Yu.
"Mr. Cheng, you are the same. The road was blocked before I even heard what industry Mr. Xue's company is engaged in."
Cheng Yu smiled slightly and said: "Although I don't know the exact industry that Mr. Xue's company is engaged in, I can analyze some clues from what you just said. First of all, Mr. Xue's company did not conduct Series C financing until eight years after its establishment.
This shows that Mr. Xue’s company is not a money-burning company, but is most likely a traditional industry. It is even a company that has made profits not long after its establishment. The profit model should be very clear, and future profits should be very promising.
Secondly, you also said that several large domestic capitals are interested in investing. This means that Mr. Xue is not short of money, but that the company has reached a period of expansion and the funds needed are not as simple as 350 million. In the end,
The key point is that there is an urgent need for expansion, so even if the investment does not need to be completed in one step, the period of payment will be quite short. You know my situation, your ex-girlfriend alone takes up a lot of my funds, this is not me
Investment projects that are affordable at the moment. Of course, if Mr. Xue is interested, I can introduce you to the investment department of Cheng Group. Although everyone calls me Mr. Cheng to save face, I don’t know anything about Cheng Group’s business.
No more. But I think Mr. Xue doesn’t want big crocodiles like Cheng’s Group to come in and find ways to control it once they invest, right?”
Mr. Xue smiled bitterly, picked up the glass and took a big sip, and said: "To be honest, when Mr. Xue mentioned my small company just now, I was really a little surprised. To be honest, I accept the most important thing from capital.
The condition is that the other party has no intention of getting involved in the management of my company. What Mr. Cheng said is really to the point. I am also grateful to Mr. Cheng for being so open-minded, otherwise I would be in a bit of a dilemma."
Cheng Yu thought it was true, but he was still a little puzzled by Xue Changyun's move, because Xue Changyun was by no means such a meddlesome person, and he could not do such a thing where he knew that both parties were not interested but insisted on pulling the strings.
"Both of you, it's too early to talk. I think you two will definitely cooperate."
Both of them were stunned and looked at Xue Changyun, confusion clearly written on their faces.
Xue Changyun smiled calmly and said: "When I received the invitation from Mr. Xue today, I immediately thought of Mr. Cheng. Otherwise, to be honest, Mr.
There have been no major events recently, but trivial matters have plagued me..."
Cheng Yu interrupted: "Yes, I was just about to ask you how the arrangements for the two children are going!"
"These are all things that need to be done by oneself. It is not troublesome, but you must do it in person, otherwise you will not be able to feel at ease."
Cheng Yu nodded, naturally understanding what Xue Changyun was referring to. Of course Mr. Xue was confused, but he was not interested in investigating Xue Changyun's personal affairs.
"Let's get down to business. Mr. Cheng, do you know what business Mr. Xue's company is engaged in?"
Cheng Yu shook his head and said, "This is embarrassing. I'm not a god, so this can't be calculated."
“Mr.
Cheng Yu was stunned for a moment, then suddenly realized something, but then he had new doubts.
The sudden realization was because he had already guessed what industry Mr. Xue's company was engaged in. Xue Changyun deliberately emphasized urban themes, which meant that their products were difficult to implant into costume dramas or even period dramas. Instead, they were closely related to urban fashionable men and women.
It is closely related. There are many types of urban dramas, but one topic that cannot be escaped is that these dramas will inevitably have the existence of love and marriage. There are not many products that can be sold on a large scale. After excluding those fast-moving consumer goods, the greatest possibility
It fell on jewelry and diamonds.
If Mr. Xue's company is really engaged in the jewelry industry, it is indeed closely related to Cheng Yu. Doesn't he just want to find an entry point to enter this industry?
But what followed was deep doubt.
Cheng Yu never mentioned the batch of diamonds to Xue Changyun, so how did Xue Changyun know about it?
Before Cheng Yu could continue to think deeply, Xue Changyun added: "While Mr. Cheng was studying abroad, he met an Indian whose family had a diamond mine in Africa. However, because the family's power was relatively small, although the diamond mine mined
An enviable finished product, but his father did not dare to make it public. I believe you, Mr. Xue, should understand this very well."
Mr. Xue nodded and said with deep understanding: "Africa's diamond resources are too tightly controlled by Europe, especially the United Kingdom. It would be fine if they were just small and barren mines, but if they were really rich mines, it would be a loss of fortune at best, or loss of life at worst.
Mr. Cheng, your friend's father probably smuggled the mined diamonds back to India, and he still dares not make them public until now. So, the quantity and quality of this batch of diamonds should be quite high.
.”
Cheng Yu looked at Xue Changyun hesitantly, but nodded slightly and said, "It's indeed a lot."
Xue Changyun glanced at Cheng Yu meaningfully and continued to "replace" Cheng Yu: "The father of Mr. Cheng's friend is already seriously ill. He also knows that once he dies, even if the mine has been fully exploited, I am afraid that
It was difficult to inherit it to his children as he wished, so he simply sold the mine at a low price. But now the biggest problem is that he hopes to cash in the diamonds he has accumulated over the years, and he also has to hide it from India.
of those British companies.”
"I understand what you mean, Mr. Xue. You want to say that Mr. Cheng's friends hope to digest this batch of diamonds in China through Mr. Cheng's hands. However, Mr. Cheng and his family do not have jewelry sales channels, so they want to sell diamonds in China."
Looking for a trustworthy company in China to cooperate with?”
Xue Changyun nodded and said: "That's pretty much what it means. Mr. Xue, you are raising funds at the right time for the subsequent large-scale expansion. Then I think you will also need some high-quality sources of goods to cope with the sales after the expansion."
Bar?"
"That's for sure. Part of my financing this time is to expand stores in second- and third-tier cities. The other part is to open up more international roads for the sake of long-term and stable supply. But this is not a short-term
It's something that can be done within the time limit. If Mr. Cheng can really provide some high-quality supplies, this will really solve my urgent need."
After Mr. Xue said that, he looked at Mr. Cheng with eager eyes. Although he had not seen a hair of the diamond, he also knew that the person who could make Xue Changyun take the initiative to match up would definitely not be a big-name commodity. That would not be worthy of Mr. Xue at all.
Let alone Cheng Yu, if the rough stone provided by his friend was of low quality, he would definitely not agree to help. After all, only rare goods can live here.
Cheng Yu now felt completely clear in his mind, but he was still extremely confused. He didn't want to have an in-depth discussion with Mr. Xue until he understood the situation on Xue Changyun's side.
Although he knew that Xue Changyun was doing him a favor, Cheng Yu still felt a little guilty. After all, for this kind of matter, Xue Changyun could have communicated with Cheng Yu in private before arranging for him to meet with Mr. Xue, instead of doing this to him.
Just start things when you are confused.
After thinking for a moment, Cheng Yu muttered: "Mr.
You just mentioned this to me, and I didn’t take it too seriously. As you said, neither I nor my family have any experience in the jewelry industry, and I personally have a lot of experience with diamonds and jewelry.
I don’t know how many goods he has in hand and what their quality is. I really have no idea. Lao Xue didn’t communicate with me beforehand. He probably misunderstood my thoughts when I mentioned this matter to him.
, I was really just a negotiator, but he took it as a matter of course. Of course, I was not refusing to reach some kind of cooperation with Mr. Xue, I just needed to confirm with my classmate first, after all, this matter has passed.
It has been a while, maybe they have found a suitable market? And regarding the quality of diamonds, I also need him to provide some information. I think Mr.
Contact me and I’ll give you a reply as soon as possible. What do you think?”
Mr. Xue nodded repeatedly, took out his mobile phone and exchanged contact information with Cheng Yu: "Then I will wait for Mr. Cheng's good news."
"It may not be good news, Mr. Xue, don't have too high expectations. In any case, I will give you an accurate message within two days. If there is no problem, we will discuss the next step."
Seeing that it was getting late, Mr. Xue stood up to say goodbye. Xue Changyun walked him to the door of the bar and turned back.
Cheng Yu also stood up and motioned for Xue Changyun to go to the large outdoor terrace with him.
