Chapter 174 [Finding out the financial laws and making money is like drinking water]
Chapter 174 [Understanding financial rules and making money is like drinking water]
As soon as Fang Hong returned to his hometown, the whole village became lively again. The villagers were talking about the sand table model. They described it vividly when chatting, which also attracted more villagers to go to Fang Hong's house to take a look.
At about 16:00 in the afternoon, Fang Hong, who had slipped out, also came back, but when he came back, he found that the house was still full of people.
After one group left, another group came, in an endless stream.
"Hongdi?"
At this moment, Fang Hong heard someone seem to be calling him. Looking around, he saw a young man three or four years older than himself walking towards him. Fang Hong couldn't help but smile and said: "Hey, Brother Tiger.
, where is it developed?”
His name is Fang Hu, and he retrieves the memory information of the original owner. He is a friend in the village who played in mud with him when he was a child.
Fang Hu was dressed in a suit and leather shoes at the moment. He seemed to be doing well in life. He looked like a dog. He laughed and said: "Hai, how can I be considered prosperous? With you, a billionaire who has returned home in glory,
The big guys can’t compare.”
The two of them started chatting privately on the sidelines, talking about various business matters to each other.
"Hongdi, I didn't expect you to play so big. In fact, I also plan to build a scenic spot in the village. No, it's that mountain. I plan to build a temple there." Fang Hu pointed to him in the two o'clock direction.
Fang Hong also took a long look in the direction he pointed.
Fang Hu retracted his gaze and looked at Fang Hong again: "I just looked at that sand table model. It's really good. And I found that it complements the attraction project I want to do."
Hearing this, Fang Hong felt that something was wrong with this kid.
When I heard that a scenic spot was going to be built in the village, I felt something was wrong, but I calmly said, "Oh? Just building a temple on that mountain can become a scenic spot. Can we make money?"
Hearing this, Fang Hu swore to himself and said: "Don't worry, this way of mine is 100% profitable. To be honest, I have been depressed in the past few years, and I also longed for Bole Xiangma. I didn't expect it to be given to me."
I met Bole, received guidance from an expert, and learned the way to make money."
Seeing the high-spirited look on his face, Fang Hong said with great interest: "Advice from an expert? The thing about the scenic spot in the village is the way to make money that your expert gave you?"
Fang Hu smiled and said, "That's right."
Immediately pointing to the mountain just pointed in the distance, Fang Hu continued: "As the expert said, as long as you understand the rules of finance, making money is as easy as drinking water. You see, if a gold mine is dug out of this mountain
It’s the same price, if it’s the same price for planting fruit trees, it’s the same price even if it’s covered with grass and it’s the same price for grazing cattle. There are no gold mines in this mountain, it’s not easy to grow fruit trees, and it’s not good to graze cattle, so it seems to have no value.”
At this time, when Fang Hong heard that he was going to talk to him about finance and making money, he felt happy. Fang Hu obviously didn't know that he was trying to make a fool of himself in front of Fang Hong.
Fang Hong didn't give in, and suddenly became interested. He continued to listen to Fang Hu's talk: "Brother Hong, can't we make money on a mountain like this? No, as long as a temple is built on this mountain, it will become a scenic spot.
Build a road in front of the mountain, build a more elegant gate and visitor center at the intersection, and book the ticket for 150 yuan."
At this time, Fang Hong didn't say a word, just watching him talk quietly, and he already knew in his heart most likely what kind of evil things his so-called master gave him.
Fang Hu continued to talk: "The ticket is priced at 150 yuan. You may wonder, does the ticket pricing do not need to go through market research? Doesn't it need to go through a stress test? What if tourists can't bear the price? Tourists won't come to play.
What should I do?"
Fang Hu heard that Fang Hong ran a high-tech company, and thought that I might be able to do the same thing when talking about high-tech with you.
But when I talk to you about finance, you are a layman, right?
I saw Fang Hu asking and answering himself: "The reason why the ticket price is set so high is because it is not set for tourists at all. It is set for financial institutions. So if you can set a high price, set it as high as possible. Why do you say that? For example, a
A ticket costs 150 yuan, and if there are 100,000 tourists every year, that’s 15 million yuan in revenue, right?”
Fang Hu continued: "If you pledge the future income rights of the 15 million ticket revenue, it is not a problem to get back 10 million at least. If you pledge it for ten years, it will be 100 million. This mountain will instantly become 1
If it’s 100 million, I’d like to ask you if you can do it? Everyone will definitely do it!”
Seeing Fang Hu's description with a red face, Fang Hong burst into laughter. After being silent for a long time, he finally said: "You just want a financial institution to lend you 100 million yuan by describing a shabby guy with empty teeth? Are you thinking that you are a fool?"
Are you right? Those people who are involved in finance have all been assigned bosses who are smarter than monkeys."
Fang Hong has already decided on the future direction of the entire village. It is absolutely impossible for him to mess around in the village.
Fang Hong immediately added: "To tell you the truth, I am an insider in the financial circle. Don't do all these fancy things. Just go and help my second brother run the pharmacy. The financial circle is very popular."
It’s so deep that you can’t grasp it.”
After retrieving the original owner's memory information, Fang Hong's evaluation of Fang Hu, his childhood playmate, was: a person eager to change his destiny.
In a down-to-earth manner, he just wants to make a fortune, but his character is not a big problem and he is someone who can be cultivated.
"Uh..." Fang Hu was confused when he heard this: "You... aren't you into high technology?"
Fang Hong smiled and said, "It's all fun."
After a moment, Fang Hu said: "But..."
Fang Hong interrupted him directly and said: "I know what you want to say. Did the so-called expert who pointed you out instruct you to go to the county leaders to say that as long as this scenic spot is built, it will not only improve the scenery?
, it is also an increase in GDP. The annual turnover starts at 150 million yuan, so won’t there be cash flow? The scenic spot still needs staff, and by the way, it can also solve a number of employment problems.”
"If nothing else happens, the leader will entrust another person, let's call this person Zhang San. The leader will ask Zhang San to help you negotiate with a financial institution to see if you can borrow money to repair the scenic spot. The financial institution will send someone to do a due diligence.
When I came to this remote place in the countryside and took a look, it was really hard to imagine that any tourist with his head caught in the door would come here to play, and most of them would not invest money."
"At this time, Zhang San said that in the future, the county could provide subsidies for this scenic spot every year. The problem is that Zhang San knew that the county had no money to provide it, but why did he dare to say that? Because he knew that once the scenic spot was repaired, there would be a need from the entrance to the mountain.
Shuttle bus, right? Use this shuttle bus to exchange future beneficial rights and contract it to others first in exchange for part of the cash flow. Wouldn't it make money?"
"As for whether there will be tourists in the future, it is none of Zhang San's business whether the contractor can earn back the money. So Zhang San went to Li Si again. Li Si shook his head after hearing this and said that he can only provide the money to you if his income is guaranteed."
"Originally, tourists could choose to walk to climb the mountain, but in the end they could only take a car. After some discussion, Zhang San and Li Si decided to move the entrance of the scenic spot 20 kilometers forward. Do you tourists want to take a car? Do you want to see if you can walk to the mountain without taking a car? Even if
Tourists are stunned when they walk to the scenic spot. I'm sorry that the scenic spot closes at 6 o'clock. Can you give me a try? Can you take a bus? If you take a step back, even if you are frustrated when you enter the mountain and don't take a bus, you won't be able to ride after climbing the mountain.
Take a car? So the problem is solved."
At this time, Fang Hu was stunned when he heard what Fang Hong said, because what he heard Fang Hong said was almost exactly the same as what the expert who taught him said. Of course, the words were definitely not the same, but the meaning expressed was indeed true.
are exactly the same.
And Fang Hong added: "Where does the money to buy the shuttle bus come from? Did your expert say that you use the ticket as a pledge? Each ticket is charged 10 yuan, and 100,000 tourists every year will earn 10 million in ten years.
Then I borrowed 5 million from a financial leasing company to buy a car, which is equivalent to saying that the car was bought by the financial leasing company, and the property rights belong to their financial leasing company, but the right to use it belongs to Li Si, so the shuttle bus problem is solved."
Fang Hu: "..."
Fang Hong said methodically: "Since the future benefit rights of the shuttle bus can be exchanged, those who set up stalls and sell goods in the scenic area and those who want to do catering here can do this, so Zhang San will also find Wang Laowu and let him
Spend money to buy out these franchises.”
"Where did the money for the buyout come from? Of course it was subcontracted out to the small bosses to run the business. The subcontracted money was given to the general contractor. Wang Laowu also had to withhold part of the oil and water, and the rest was given to Zhang San, Zhang San
After receiving the cash from the exchange of franchise rights, he will leave a share for the boss, and his own salary will be settled, and the rest will be regarded as the annual subsidy to the scenic spot."
Fang Hong looked at the dumbfounded Fang Hu and said with a smile: "If you settle all the above matters, the financial institution will really lend you 100 million. As for how much the 100 million will be used to build the scenic spot, Brother Hu, are you sure?
Are you in charge? Can you figure out how much money will be used for other things? Can you afford it?"
"You are the person in charge of the project. Zhang San is a platform company, let alone a county investment company. The project you are financing belongs to the political and credit-type fixed financing products. You can just list it at the Financial Assets Trading Center. It is not even as good as a trust."
.”
"As a result, the number of tourists in the scenic spot has increased year after year. From time to time, announcements are made saying that the number of tourists has exceeded tens of thousands. In fact, it is you, Brother Huzi, who is leading a group of actors from the village around the door. The key is that you think those financial institutions don't know this number?
They know that they are doing these chores all day long, and they are as clear as a mirror."
"If they come out to expose you, you are the legal person of the project company. Maybe your equity is still held on behalf of you, so you will basically take the blame."
"If the scenic spot eventually goes bankrupt, the financial institution will not get back a penny, so they will most likely continue to cooperate with you to perform, even though the pitiful ticket revenue every year is only enough to repay the interest to the financial institution, and forget about the principal at all.
"
"But it doesn't actually matter. After ten years, the interest will have already recovered more than the principal cost. Moreover, the debts of financial institutions are only extended and replaced, but they have not disappeared. As for tourists, I don't expect them to come a second time.
During the entire process, no one took the tourists seriously at all.”
Having said this, Fang Hong glanced at Brother Hu Zi, who was stunned. It was time to suppress him psychologically, so that he could subdue him and let him know who was the boss.
To use such a person, you must first let him understand what awe and authority are.
After a moment of pause, Fang Hong glanced at him and turned to look at the mountain in the distance and said calmly: "Do you think you have met an expert? From then on, he transformed from a depressed person into the chairman of the project company, and then
You have a reputation-seeking attitude that is clearly reflected in you, right? In fact, half of your body is already stuck in the quagmire and you don't even know it."
This is said in a rude manner and without giving any face.
At this time, Fang Hu felt even more guilty that someone had completely read his mind. Now he might not even dare to call Fang Hong "Brother Hong".
And Fang Hong continued calmly: "If you make the village a mess, even if my old man doesn't trouble you, your father won't beat you half to death? How can you still live in this acre?
Is there room for a three-thirds of the land to stand upright? To say the least, the pot you, the chairman of the project company, are carrying is enough to crush you to death. Do you think you can carry this pot?"
Gulu...
Fang Hu swallowed his saliva, he was numb, don't cue!
My head was already buzzing, and my heart was already cursing and greeting the respected master.
After a while, Fang Hu said with a dry smile: "I didn't expect the water in here to be so deep..."
"It's good to know."
Fang Hong glanced at him lightly and said this. After saying this, he walked directly to the lobby of his house without waiting for the other party to say anything.
At this time, Fang Hu hesitated to speak, turned to look at Fang Hong's back, and couldn't help but subconsciously touch the sweat on his forehead.
The sentence "It's good to know" was very peaceful, but Fang Hu felt an inexplicable sense of oppression.
It even made him feel a sense of strangeness and distance.
Just have a sense of distance. This is the result that Fang Hong wants.
Fang Hong is now in the position of the superior, and Fang Hu is in the position of the inferior. He will definitely join Fang's Medicine Hall, so he is destined to not be able to be brothers and friends like he used to be when he was a child.
If you have a good relationship with Fang Hu, even if you are not given special care, it will have an impact on other people: Fang Hu has a very good relationship with the big boss, and they are still brothers!
When the time comes, you won’t even know what he is doing underneath, and he may even deliberately emphasize this relationship in front of others, consciously or unconsciously. Over time, another bad environment and bad behavior will be formed.
Fang Hu does not have the level of Hua Yu, the humility of Fang Zheng, the awareness of Fang Ping, and the emotional intelligence of Cao Chenghui.
But Fang Hu also has his value, that is, he has a heart to change his destiny. Such a person is suitable for charging into battle, but he must be greeted with a carrot and a stick to make him docile.
