I couldn't help but laugh, "You've made so much, what kind of business do you still do? It's enough for you to spend your whole life."
"Theoretically speaking, that's true. But money is hard to talk about. Look at my building. It was originally designed as an office building, but not many were sold. Now most of them are rented out, and my own company
It occupies an entire floor. So the so-called profit I just mentioned is just a number and a concept." She said with a wry smile.
I suddenly became alert, "You mean you don't have much money in your books?"
"That's right." She answered quickly.
"So, if you want to do that cemetery project, where will you get the upfront funds to operate it?" I asked.
She suddenly laughed and pointed to the high-rise building in front of us, "Based on the current market price, this building is worth at least two to three billion, right? I will use it as collateral and get a loan at 60% of the market value.
, you can also borrow more than 100 million from the bank immediately. I am paying interest every month on my previous loan with the bank, and they will definitely give me a new loan. Otherwise, if my company goes bankrupt, all they will get is me.
Part of the real estate in this building has been acquired, and the calculation must be based on the current market value. Of course the bank does not want this. So they hope that my company can become bigger and stronger, so that I can pay off their principal and interest as soon as possible."
I understood immediately, "You mean, you have kidnapped the bank?"
She looked at me in surprise, "Dr. Feng, I can't tell. You, a doctor, actually understand this. But now everyone is doing it. That is, using bank money to operate projects, you will earn
After putting the profits into their own pockets, they continue to borrow money from banks. Don't blame me, companies as big as Jiangnan Group also operate in this way. The bigger the company, the deeper the bank is trapped. This is already public knowledge in our industry.
It’s a secret.”
"You mean, in fact, you almost use bank money to operate the project, and then use people's money to bring it in?" I asked.
"Who makes the people in our country care so much about owning a house? This is actually a rigid supply and demand relationship. Only if someone wants to buy it can we sell it, and only then can we realize our profit. If the people don't buy a house,
, we have gone bankrupt a long time ago. In fact, it is still very stressful for us, especially the pre-financing pressure of a project and the pressure of sales. Fortunately, my building was developed relatively early and the location is good. At least.
At present, I don’t have any problems with my funds,” she said.
"The rent you charge is probably just enough to pay the bank interest, right?" I asked.
"That's more than that. It can also pay the wages of the current staff of my company. That's enough. In fact, it's not that my house can't be sold, but I deliberately didn't plan to sell it." She said with a smile.
"I do not understand what you mean.
"Because house prices are rising sharply now, and I analyze that house prices will continue to rise in the next ten years. So I have to wait. I will not sell on a large scale unless there is a danger of my capital chain breaking," she said.
explain.
I understood immediately, "What you call selling at a price is also a kind of speculation."
"No, it's more accurate to say gambling. But this kind of gambling has almost no risk." She smiled.
I laughed, "You are so powerful. You don't look like a woman. Because I think you are more powerful than us."
"The pursuit of profit maximization is the most fundamental thing for us businessmen." She said with a smile.
I laughed again, "That's quite the truth."
Just as he was talking, Kang Demao's voice appeared behind him, "It was a good conversation."
Ning Xiangru's office is full of female characteristics. It is grand, elegant and warm, and the office is full of greenery.
"How's it going? Is my place okay?" she asked me with a smile, looking very proud of herself.
I nodded, "It's really good."
"Tea or coffee?" she asked.
"Just drink tea." I said.
"Stop chatting, let's talk about business." Kang Demao said after looking at the time.
"De Mao, Dr. Feng just asked me a question. He asked me if you believe me. What do you think?" Ning Xiangru placed a cup of green tea in front of Kang Demao and me. The tea cups were very beautiful, and there was something refreshing inside.
green and has a light fragrance.
I looked at Kang Demao and smiled meaningfully.
"This is not a matter of trust. I think, if you really want to do that project, you must have a statement first. That is, in one sentence, how much money are you willing to spend. Don't talk about shares.
Feng Xiao and I can talk easily, because we are fellow villagers, and Feng Xiao will look at me and not care too much. But... I don’t need to say more about the rest, right? Xiangru, you are doing business
People should understand." Kang Demao said.
"I've prepared it a long time ago." Ning Xiangru said, then went to her desk and took out two bank cards. She handed one of them to me first, "There are eight million in it. But the password is temporarily
I can’t tell you. Dr. Feng, I am a businessman, please understand. Demao, this is yours. I won’t tell you the password yet. I will tell you separately after the project is implemented.”
"Isn't this bad?" Kang Demao said, "Xiangru, don't get me wrong, I'm not saying that Feng and I are laughing here. I think it's better to do things simply and neatly. Someone will have some ideas if you do this.
dont you agree?"
"Demao, you are wrong. Since everyone has to pay attention to the rules of the game when doing this, it has nothing to do with personal feelings. For you, I will put a sum of money on you first. For me, this way
It is also very safe. In addition, this project is controlled by the Civil Affairs Department. As my company, it is absolutely impossible to regret it later, because no matter how powerful I am, I can't compete with other state units. Not to mention anything else, they will not be satisfied when the time comes.
If another company is introduced or my shares are diluted, I will have to watch. So, as long as things are done, I will never have any problems here." Ning Xiangru said.
Kang Demao nodded, "That's true. Feng Xiao, what do you think?"
Although I think what she said makes sense, I don't dare to agree rashly. After thinking about it, I put the card on the coffee table in front of me and said, "Let's do this. I'll ask first. Demao is right, this is
The matter is not between me and him."
"Feng Xiao, you must understand the meaning of that sentence. Also, we cannot mention that name in this matter at any time or on any occasion. Do you understand?" Kang Demao said to me.
"That's true. But what do you mean by that sentence before?" I was a little confused.
"Think about it. Did she let you make your own decision?" he said to me.
I was stunned immediately, "This..."
"Well, it seems that I am still too much like a businessman. Since it makes Dr. Feng feel embarrassed, I'd better give you the password first. I believe you, Dr. Feng. You can go to the teller machine immediately to check the amount on your account, and then
Let’s decide again.” Ning Xiangru said.
"That's good." Kang Demao said with a smile, and then handed the card in his hand to Ning Xiangru, "We can discuss this matter at any time. If you are short of funds, you can still turn around."
"De Mao..." Ning Xiangru was immediately moved by him.
I was also a little surprised, because I didn't expect Kandemau to be so generous.
But I couldn't do what Kang Demao did, because I had to be responsible for Lin Yu. So I immediately went downstairs and found a teller machine to check my account. Yes, it was eight million.
I don’t know why, but my hand holding this card started to tremble. Is this money so easy to earn? No, this money doesn’t necessarily belong to someone. I hurriedly told myself.
Then he went upstairs and returned to Ning Xiangru's office again, "That's right. I'll tell her right away. If things don't work out, I'll return this to you right away."
"Okay. Let's not talk about this matter. Let's go. It's almost time. Let's go to dinner. By the way, Dr. Feng, what do you want to eat?" Ning Xiangru asked me.
"Wait a minute, I'll send you a text message." I said.
"Feng Xiao, are you going to send it to her, right? Don't do this. Safety comes first. You'd better ask her out for a face-to-face interview." Kang Demao reminded me, "Let Xiangru treat me tonight."
I nodded and hurried to a corner of the office to make a phone call.
"Sister, that matter is bothering you. It's not my senior sister's business. Are you free tonight? My fellow countryman would like to treat you to a meal." I whispered into the phone.
"I won't meet her in private. Are you sure?" she asked.
"Yes. Don't worry." I said.
She hung up the phone.
"How is it?" Kang Demao asked me.
"She said she would not meet Mr. Ning in private. But..." I said.
Kang Demao slapped his thigh suddenly, "Yeah, why am I so stupid? You see, I still need to practice. Feng Xiao, Xiangru, it's no problem, let's go drink."
Ning Xiangru glanced at me with a questioning look. Of course I knew what she seemed to be asking, so I said, "De Mao is right."
She suddenly became excited and rushed over to hug Kang Demao, "That's great! Demao, thank you."
I laughed next to me, "Why don't you come and hug me?"
She immediately let go of Kang Demao and smiled brightly at me, "How dare I hug you? You said you don't have any feelings for me."
I laughed.
"However, I found someone to accompany you." She added next.
"No need." I waved to her hastily.
She was still smiling sweetly at me, and her smile made my heart tremble. She went to her desk and dialed from the landline there, "Come here."
I looked at her with my mouth wide open.
"A beautiful woman you know. She is now my assistant." She said to me, with a mysterious smile on her face.
After a while, a person came in. I looked at her and was so surprised that I was speechless... (To be continued)