Chapter 233: It's easy to make money, but it's hard to spend money
Coastline Company's current book capital is nearly 650 billion, but the company also has a huge debt of 800 billion. However, Ye Hua does not owe this money to the bank, which is very important, but to the bosses of major manufacturers.
It is said that all major manufacturers in the current PHC supply chain are nominal creditors of Coastline Company, and Ye Hua owes money to hundreds or thousands of companies.
Because Coastline Company dumped all PHC outsourcing orders, but the money was not in place. In other words, the manufacturers in the major PHC supply chain invested their own money in production and supply first, and the factory owners who had no money left.
Bank borrows money.
Ye Hua, a thief and thief, did not meet any bankers or company executives. Then the bankers had no choice but to lend money to manufacturers in the PHC supply chain. Coastline Company perfectly transferred the risk.
It should be noted that those hundreds or even thousands of bosses are only nominal creditors of Ye Hua. According to the terms of the agreement in the contract, it is complicated to explain clearly.
To put it simply, once PHC sales are blocked, the goods produced by major supply chains may be hoarded in warehouses. Coastline Company will not pay the bill, but the condition for factory owners to bear this risk is that if Coastline
If a company supplies a set of PHC equipment to the market, it must use the original supplier's goods and is not allowed to find new partners until the transaction volume when the contract was initially signed is completed.
But no matter what, this contract is too restrictive for Coastline Company. If PHC sells well, everyone will be good, but if it fails, Coastline Company will only eat as much PHC as the market.
Manufacturer's goods, and then pay according to the quantity of goods.
It can be said that the manufacturers in the major supply chains of PHC have taken huge risks, and at the same time, this risk will be borne by the banks. If there is a problem in the sales link with a market size of trillions, these manufacturers will definitely have to borrow money if the banks withdraw their loans.
Life and death.
Then the banks were also very uncomfortable.
The factory owner has no money, because all the money has been invested, and the bank will definitely not ask for the goods, only the money!
Banks are also crying and panicking to death. The PHC supply chain is too big. Banks will withdraw loans if the situation is bad, but hundreds or thousands of manufacturers will directly go bankrupt. Thousands of large companies will be directly and indirectly implicated.
For companies large and small, how many jobs will be affected?
Can the bank not panic?
At that point, all the bank can do is borrow more money and take greater risks. If you owe the bank less money, the bank is the boss. If you owe the bank too much money, the creditor will be the boss of the bank.
.
Banks are also taking huge risks, but the benefits here are too great, and there is a funding gap of hundreds of billions!
If any commercial bank sees this loan business, they will be so attracted that they can't walk any further. Moreover, one or two companies alone cannot afford it, and they dare not eat it. If they do eat it, they will bear as much risk as they eat.
, if something goes wrong and Yang Ma refuses to save her, she will definitely go bankrupt and liquidate.
Fortunately, with the explosive sales of PHC, the hanging stones in the hearts of thousands of bosses fell away, and all major banks also breathed a long sigh of relief.
There is no need to worry about it now. The limelight has passed. All you have to do is wait and count the money. Moreover, bankers are now more relaxed and wave large sums of money to pay for goods to those manufacturers. As long as the boss who comes to lend money says it is from PHC
After the supplier confirms that it is correct, the loan will be directly released, because there is no longer fear that the investment will become a bad debt or a bad debt. The darkest period has completely passed and the future prospects are bright. The investment will make 100% profit. Risk assessment of major banks
Institutions have rated PHC's loan business as an excellent investment project.
If we want to put a ladder of comfort, Coastline Company is undoubtedly the most comfortable one at the top of the ladder, because it takes the smallest risk and is the biggest winner, with a nominal debt of more than 800 billion without paying a single interest fee, followed by banks, and finally
It’s all major manufacturers.
Now that the situation is clear, the factory bosses are not panicking, but Ye Hua is still a little unhappy, because according to the supply contract signed with Coastline Company, 78% of the accounts receivable must be settled in three years. After three years, Coastline Company
Only then will the money be remitted to major suppliers in the form of balance payment.
A week later, Coastline Company paid a total of 185.5 billion down payment to the major supply chain manufacturers as promised. If the money is divided evenly, the larger suppliers will only get 30 to 400 million, and the small ones will get 80 to 90 million.
With a down payment of 10 million, major manufacturers cannot even pay wages to their workers.
But the money is actually mainly used to pay interest to the bank. Then they have to continue to borrow more money from the bank. Because they have no money, they can only find bank loans. It costs a lot of money to update the equipment, and the workers' wages cannot be paid.
Default, let alone three years, is probably the limit.
In short, more than a thousand bosses have a mixture of love and hate for Ye Hua, and they have thousands of words in their hearts, but in the end they still have to say: It is difficult to do physical manufacturing!
And Coastline Company is so cool. Ye Hua's simple capital operation is equivalent to more than a thousand bosses going to the bank to borrow more than 800 billion, and then spending three years on Coastline, not to mention the interest on the advance payment.
There are also huge core risks to bear.
Of course, the more than 800 billion that Ye Hua obtained was not actual working capital, but the hardware corresponding to the PHC machine worth more than 800 billion, which is worth more than 800 billion here.
Despite this, it can quickly become working capital, because major manufacturers supply products to Coastline, and the final sales of PHC are completed by Coastline. If you sell the product, won’t the money come? Don’t you already have working capital?
In this case, Coastline Company sold 11.25 million sets this month, and the sales of PHC machines reached a record of more than 560 billion. Now it is actually lying on Coastline Company's books and can be used at any time.
This huge amount of money actually contains more than 510 billion, including more than 300 billion in the future, which will go into the pockets of more than a thousand factory owners. But now this huge amount of money will be paid to the factory owners in a week of 185.5 billion.
, the control of the remaining money belongs to Coastline, and the term is three years, that is, the debt is three years. After three years, the money will be remitted to the major factory owners according to the contract.
In other words, this money nominally belongs to the major factory owners, but the control power now belongs to Ye Hua to allocate it.
A week later, 185.5 billion yuan was spent on accounts payable. Including other expenses, Coastline Company still had an astronomical figure of 398.4 billion yuan on its books.
With this money, if we want to expand production, we can expand production on as large a scale as we need. Doesn’t the company’s new headquarters need to invest an additional 40 to 50 billion yuan to build a manor-style town where employees can live?
Isn't it just 40 to 50 billion yuan? Now we have nearly 400 billion yuan in liquidity, so we can just throw it away.
Ye Hua smiled slightly and said: It's just money. I'm so poor that all I have left is money.
The operation of capital is so wonderful. Ye Hua's capital method can be said to be "borrowing chickens to lay eggs". What financial capital needs most is liquidity. When funds flow, money is alive. Live money can generate more money than dead money.
The flow can produce various ways of playing that are incredible to outsiders.
However, after Ye Hua was not happy for a few moments, he realized that holding such a large amount of money in his hand was extremely hot, because legally speaking, this was the sales of Coastline Company, which was pre-tax revenue.
If such an astronomical amount of money is left untouched for three years, it will be a loss. If it is still a debt in name, it will be an even bigger loss.
There is only one best way to stop losses. Spend the money and invest it as quickly as possible. It is best to do the general ledger calculation at the end of the year so that the expenditure is greater than the income. If there is a loss on the book, the greater the loss on the book, the greater the loss.
The less.
Then Ye Hua looked troubled. Seeing him like this, Qiao Wei couldn't help but look at him suspiciously and asked, "What's wrong with you?"
Hearing this, Ye Hua glanced at him and then looked away, sighing: "It's easy for others to spend money but hard to make money, but it's easy for me to make money and hard to spend money. I'm in trouble, thinking about how to make hundreds of billions."
How to spend it within a year? It’s so annoying..."
Ye Hua said with a sad face, completely unaware that Qiao Wei on the side had lost her voice, and her whole body gradually fell into a state of continuous petrification.
