We hired two nannies to clean the house in Hangzhou.
Just wait until mom and dad take care of things at home and move here directly.
As soon as Chen Dongcheng returned to Pengcheng, he received a call from Gu Shouyi, inviting him to sit on the Universe Walk.
Lao Gu is very proud now. He and Chen Dongcheng have always had a good relationship.
The deposit of Qingju Bicycle has always been controlled by Universe Bank.
Chen Dongcheng doesn't know how much the Universe Bank can earn from such a large deposit.
But at least the income from purchasing financial products from Qingju Technology is higher.
Gu Shouyi poured tea for Chen Dongcheng very enthusiastically and brought up the issue of shared bicycle deposits that has been a hot topic in the past two days.
"Mr. Chen still has the foresight. No wonder he announced from the beginning that the deposit will be supervised by our company.
As far as I know, in the shared bicycle industry recently, the total amount of applications for deposit refunds has reached more than one billion.
If Mr. Chen hadn't prepared emergency funds in advance, big problems would have definitely occurred."
When something like this happens, most users will choose to try to get a refund.
Qingju Bicycle, which obtained financing in advance and had ample funds in its account, naturally provided refunds in seconds without any suspense, which reassured the majority of users.
Chen Dongcheng smiled and shook his head, with a deep look in his eyes: "This is just a small-scale reshuffle. Companies without strength will definitely die. The real fight is still to come."
Gu Shouyi nodded, Chen Dongcheng's analysis was similar to his.
However, the most promising one on the market right now is definitely Qingju Bicycle.
The enthusiasm of many investors is the best proof.
Tengxun did not participate in the first two rounds, but it is said that the C round has begun to pay close attention and expressed its willingness to lead the investment.
These thoughts flashed through Gu Shouyi's mind quickly, and he said with a smile: "Mr. Chen, I'm calling you here mainly to talk about the loan issue."
"loan?"
Chen Dongcheng was a little confused: "Isn't there still more than a year before it expires?"
“The top leaders have begun to tighten risk control, and we below will also review previously approved loans.
For example, Mr. Chen's previous use of equity financial mortgage financing has become increasingly strict."
Gu Shouyi must protect clients like Chen Dongcheng with all his heart.
Not to mention, Zhu Taoke, who is in the same system, has always been eyeing Chen Dongcheng.
Gu Shouyi smiled and said: "Of course, the financing interest rates for the several loans I previously approved for Mr. Chen will remain unchanged for the time being.
Now some companies want to seek equity pledge financing, and the annual interest rate starts at at least 8.5%."
These banks are just like this, don't talk about standard interest rates.
If you want to get the bank's standard interest rate, you must either be a state-owned enterprise or a major customer of the bank.
What Gu Shouyi said was nothing more than to show his sincerity to Chen Dongcheng.
Chen Dongcheng asked him to ask him for the interest rate of the mortgage loan before, but he did not change it because it was the greatest kindness.
Chen Dongcheng definitely needs to receive this love.
"Thank you Gu Xing."
"Hey, you're welcome, we are all friends, there is no need to say thank you.
Besides, aren’t we collecting so many deposits just to lend money to high-quality customers like Mr. Chen?”
Gu Shouyi smiled and waved his hand: "The assets under Mr. Chen's name are of very high quality. For example, Didi's equity has increased fourfold."
From this point of view alone, Gu Shouyi's loan to Chen Dongcheng had no risk at all, and it was regarded as a gain in vain.
The money Chen Dongcheng borrowed previously has been spent long ago.
As for the interest, it's only a few dollars.
Without the billions that Gu Shouyi had loaned him before, Chen Dongcheng could only watch others get started on many projects.
Gu Shouyi tentatively said, "Mr. Chen, I plan to re-evaluate your assets and help you increase your loan limit. What do you think?"
"How much can it be improved?"
Chen Dongcheng's behavior was a bit bland, as if he was asking casually, and there was no urgency at all.
Gu Shouyi took it for granted and said with a smile: "First of all, the villa on Chunshui'an. The situation of high-end luxury houses in Pengcheng is not very good recently.
The price of the villa on Pure Waterfront has also declined.
But in the long run, there is still room for growth."
Pengcheng is different from Modu in that the area it can expand is limited.
As the population inflow increases, more and more new billionaires are created.
High-quality villas like Pure Waterfront are very valuable and suitable for investment.
When I first bought it, the average price was 280,000 square meters.
The current market situation is not good and has dropped to 240,000 per level.
However, it is still early to reach the peak period of Chunshuiyan. When this community was at its peak, the average price was 500,000 to 600,000 yuan per square meter, which was common.
"In addition to the pure waterfront villa, Mr. Chen previously purchased the three-story office building from Zhenghua Group.
Now that the price has increased by almost 10,000 per square meter, Mr. Chen has gained 100 million in vain!"
Gu Shouyi said with some emotion.
When the market is cautious and other investors are hesitant.
Chen Dongcheng purchased a three-story office building from Zhenghua Group.
At first, many people ridiculed him, thinking that Chen Dongcheng must have hit his hands.
Unexpectedly, the underestimation of office buildings in Pengcheng only lasted for a while, and now it is picking up again.
Only Chen Dongcheng is destined to enjoy this wave of dividends.
Chen Dongcheng waved his hand modestly: "The price of office buildings in Pengcheng has limited room for price increase. I bought it for the company's own use."
"Although the office building has made 100 million, Mr. Chen's most profitable business is not the office building."
Gu Shouyi said with a smile: "Shangdong Technology's valuation has risen from US$200 million when the pledge was made last year to US$500 million.
The value of the equity held by Mr. Chen has increased from 600 million at that time to 1.4 billion."
"To say that Mr. Chen has the most investment vision, it must be the Didi project. Mr. Chen should know the recent valuation of Didi, right?"
The reason for this question is that Gu Shouyi also heard about Chen Dongcheng giving up his seat on Didi's board of directors.
Regarding Didi news, Peng Zhijian had already chatted with Chen Dongcheng several times.
He lamented more than once that Chen Dongcheng had good vision.
When Chen Dongcheng invested in Didi, it was Peng Zhijian who helped broker the deal.
At that time, Didi and Kuaidi were inseparable.
Chen Dongcheng was able to decisively enter the game at that time and was very visionary and courageous.
"As far as I know, Didi's latest round of financing has a post-investment valuation of US$16.5 billion, and my shareholding ratio has been diluted to 3.97%."
Chen Dongcheng remembers it very clearly, and the think tank has always kept records.
Think about how much trouble he went through in order to catch Didi's ride.
Gu Shouyi clicked his tongue and said, "Mr. Chen's equity in Didi alone is worth 4 billion."
It’s hard to say what the future of Shangdong Technology is, but the capital market is generally optimistic about Didi.
It is only a matter of time before Didi defeats Uber.
The active influx of so much capital is the best proof.
Chen Dongcheng is not in a hurry to make a move. Anyway, the longer he holds it, the more valuable his equity will be.
"So, these equity interests and real estate alone are worth 6 billion, not counting Mr. Chen's shares in Qingju Technology."
When Gu Shouyi mentioned Qingju Technology, he couldn't help but feel envious.
Who would have thought that such a common bicycle could be played in this way.
Now Qingju Technology has completed two rounds of financing, with a valuation of US$2 billion, and there is still a lot of room for growth.
Gu Shouyi is very clear about the information about Qingju Technology.
Chen Dongcheng holds the largest shareholding, as high as 58.5%.
The absolute largest shareholder, with voting rights as high as 90%, firmly holds Qingju Technology in its hands.
Qingju Technology is valued at US$2 billion. Chen Dongcheng holds 58.5% of the shares, with an equity value of US$7.2 billion.
Hiss, let’s not mention other companies for now.
Looking at these things, Chen Dongcheng's net worth is tens of billions, which is already stable.
Of course, except for a few people who know clearly, the proportion of Chen Dongcheng's shareholding will always be a mystery.
After total statistics, Chen Dongcheng's assets are as high as 13.2 billion.
This number surpasses countless wealthy people who have struggled for decades.
It can even make people of the same age despair and find it difficult to reach their goals.
According to the Forbes rich list released last year, Chen Dongcheng's net worth can also be ranked in the top 60.
But where does this talent go, Gu Shouyi knows very well.
The other companies in Chen Dongcheng's hands also have great potential.
Coupled with Chen Dongcheng's age, doesn't it mean that a post-90s generation will emerge as the richest man in the country in the future?
Hiss, Gu Shouyi couldn't stop his heart from trembling.
Thinking of these messy things in his mind, the smile on Gu Shouyi's face became more friendly.
A rich man of this level will be respected wherever he goes.
"Mr. Chen, I think it's better to do this. I'll report your assets to the superiors and see how much they are willing to give you. I will try my best to help you get it."
Chen Dongcheng's previous assets were only 2 billion.
In just over a year, it has increased more than six times.
This is the magic of capital. I don’t know how many IT upstarts have been created.
Chen Dongcheng smiled and nodded: "Everything depends on Gu Xing's advice."
For him, the more funds, the better.
Judging from the current situation, many of the seeds previously invested have produced gratifying fruits.
The reward given to Chen Dongcheng is enough to envy countless people.
While chatting, Gu Shouyi also implicitly hinted that the leaders above are becoming more and more strict about risk control.
The financing interest rate previously given to Chen Dongcheng needs to be adjusted.
Looking at domestic A-share listed companies, almost 90% of them have equity pledge financing.
However, banks are still very conservative and generally do not have a high pledge rate for the stocks of listed companies. A five-digit pledge rate is pretty good.
In order to prevent many shareholders from pledging at high levels, banks usually set up warning lines and liquidation lines to avoid excessive losses.
But even so, it cannot stop a group of shareholders of listed companies from cashing out as soon as possible.
For startups, the pledge rate will be even lower, with 30% being common.
Not counting villas and office buildings, but counting equity pledges alone, the value of Chen Dongcheng's equity is also 12.6 billion.
Even if the pledge rate is 30%, it is not a small sum.
Gu Shouyi has always moved very quickly. The most important thing is that the assets under Chen Dongcheng's name are excellent enough.
Both Didi and Qingju Technology are generally optimistic.
Such equity is also easy to approve.
In the end, the conditions given by Gu Shouyi made Chen Dongcheng very excited.
The 5 billion loan approved is equivalent to the 40% pledge rate given by Universe Bank.
Compared with listed companies, it is definitely inferior.
But considering the situation of increasingly strict risk control, this ratio is acceptable to Chen Dongcheng.
If you don't want to realize the equity, you can only wait and see.
Turning it into disposable funds makes it easier for Chen Dongcheng to create greater value.
Gu Shouyi smiled and took credit and said, "Mr. Chen, in order to increase your pledge rate, I used a lot of connections.
If you still have this kind of business in the future, you must remember to take care of me, Lao Gu."
"Definitely, I'll make it this time."
Chen Dongcheng smiled and thanked him, which made Gu Shouyi very useful.
Other people who wanted to get a loan could say thousands of flattery words, but none of them were as effective as Chen Dongcheng's words.
“The annual interest rate is 8%, which is a bit high.
But considering that this amount of money is very large, and the cards above are relatively tight, it’s still reasonable.”
Although Gu Shouyi said this, the fact that he could get this amount of interest rate was beyond Chen Dongcheng's expectation.
If you change to some real estate companies, they would dare to lend even if the annual interest rate is more than 20%.
5 billion, with an annual interest rate of 8%, and the interest alone is 400 million a year.
If there is no way to make money, just the interest and principal due to be paid after three years can crush people to death.
At noon, Chen Dongcheng asked Gu Shouyi to choose a restaurant, and the two chatted while eating.
Gu Shouyi has no doubts about Chen Dongcheng’s repayment ability. Didi’s equity alone is enough to repay this loan.
Without Didi's equity, Gu Shouyi would not have dared to apply for such a high-amount financing loan for Chen Dongcheng.
With Gu Shouyi's help, five billion appeared in Chen Dongcheng's account in less than a week.
Before the five billion was enough to warm up the people, someone started asking Chen Dongcheng for money.
…
Ningbo Export Processing Zone.
The bonded warehouse invested by Cao Cao Logistics in Ningbo is located here.
The bonded warehouse occupies a very large area, as large as more than thirty football fields.
Zhou Shaohua took Chen Dongcheng all the way to visit, and his tone could not hide his pride.
"Dr. Chen, the bonded warehouse we built in Ningbo is one of the few in the country.
Therefore, we also received support from local politicians in Ningbo.
Such as tax exemptions, low-interest corporate loans..."
In the bonded warehouse, fully automated equipment is sorting packages in an orderly manner.
Batches of parcels will be automatically sorted to different workshops, waiting for vehicles to collect them uniformly, and then transfer them to consumers.
As the supporter behind Blue Whale overseas shopping, the importance of Caocao Logistics is beyond doubt.
Without Caocao Logistics, Blue Whale Overseas Shopping’s already unsatisfactory financial report would definitely be worse.
Chen Dongcheng looked at Zhou Shaohua, who was much darker than before, patted him on the shoulder, and encouraged: "It is not easy to develop a logistics company, thank you for your hard work."
"It's not hard. In addition to Ningbo Bonded Warehouse, we are gradually deploying in other bonded areas."
Zhou Shaohua scratched his head: "However, the investment in the bonded warehouse is not small. Even with loan subsidies from the local government, it is still a drop in the bucket."
Just pointing to the support of the local government and wanting to develop and grow is almost like a dream.
Chen Dongcheng remembers that he only gave Cao Cao Logistics 100 million.
It is not easy for Zhou Shaohua to develop to this level.
Caocao Logistics was founded by Zhou Shaohua from scratch, and many senior executives had never met the boss Chen Dongcheng.
The sound of the mechanical conveyor belt kept churning.
Chen Dongcheng looked at it for a while and made a decision.
"I will give you another five hundred million. In addition to bonded warehouses, I hope to see you have a deeper layout in other logistics fields."
The development of Caocao Logistics cannot be limited to being a nanny for Blue Whale Overseas Shopping.
The logistics market is so huge that it can accommodate many unicorn companies.
Since Zhou Shaohua is capable, Chen Dongcheng doesn't mind giving him a push.