CSGO Unboxing Streamer: A Charity-Driven Tycoon

Chapter 183 Loans and Stocks

Liu Zhenyun wanted to build a supercomputer in order to restart a project he had previously abandoned.

It can't be called giving up.

The purpose of developing the "Listening" device was to secure enough funding to launch the project.

The field of AI seems to be developing very well at present, but in reality, it is still in its infancy.

Artificial intelligence can currently be divided into three levels.

Weak AI, strong AI, and super AI.

Weak AI refers to AI that focuses on and can only solve problems in a single specific domain.

Strong AI refers to artificial intelligence that is capable of performing all kinds of human tasks.

Super AI refers to artificial intelligence that is smarter than the most powerful human brain in every aspect, including scientific creativity, intelligence, and social skills.

The artificial intelligence currently on the market falls into the category of weak AI, and there is still a slight gap between it and true weak AI.

Liu Zhenyun paused here.

Lu Yiming immediately asked, "So, which area of ​​weak artificial intelligence are you planning to work on?"

Hear this.

Liu Zhenyun shook his head and said, "No! I want to work on strong artificial intelligence! Mr. Lu! Why don't you come to the company? I can explain the specific ideas behind my project to you! There are some things I might not be able to explain clearly over the phone!"

It must be said that the artificial intelligence project did indeed pique Lu Yiming's interest.

He only has less than ten years of knowledge about what the future will look like.

At least according to his understanding of the world before his rebirth.

It should still be in the stage of weak artificial intelligence.

Since Liu Zhenyun wants to develop strong artificial intelligence, Lu Yiming will definitely support him no matter what.

After the Eye of Detection is upgraded to LV1.

Lu Yiming used all of the company's management personnel. Liu Zhenyun's loyalty was at the maximum level, while one of the junior managers had a loyalty level below 70, and Lu Yiming fired him without hesitation.

reason?

Does entering the company with your left foot count?

Even though he possessed this divine skill, he didn't intend to use it against Xiaoli.

He didn't see the need for it.

The feelings between two people don't need to be proven in this way.

soon.

Lu Yiming arrived at the company.

I spoke with Liu Zhenyun alone for almost two hours.

Although he couldn't understand most of what Liu Zhenyun was saying, Lu Yiming could tell that Liu Zhenyun wasn't very confident about the project.

He looked worried that he would lose money.

Lu Yiming laughed and said, "Go ahead and do it! Don't worry about whether it makes money or not! I, Lu Yiming, have invested in this project! You just focus on the research and development! I can't say I have all the funding you need, but I will definitely do my best to ensure that this project doesn't fail or end due to funding issues!"

Lu Yiming's assets are worth tens of billions.

But the actual cash flow was only a little over 200 million.

This was after receiving dividends from the shares of Shanghai Volkswagen.

After tax, I received 80 million.

However, Lu Yiming was not worried about running out of money. If all else failed, he could just take the shares to apply for a loan. He could easily get a loan of 5 billion yuan, even if he couldn't guarantee it.

This is also why Lu Yiming dared to say he would fully support it.

Liu Zhenyun was quite excited upon hearing this.

This project is like a bottomless pit. Even if you're careful with your spending, 100 million yuan will only last for a year at most. It was Lu Yiming who suddenly brought up the idea of ​​spending 100 million yuan.

Otherwise, he would never have even considered starting this project.

At this moment, Liu Zhenyun said excitedly, "Thank you for your trust, President Lu! I will definitely not let your investment go to waste! Although I cannot promise when I can produce results, I dare say that I will risk my life to bring this strong artificial intelligence, which only exists in the concept, to your doorstep, President Lu!"

Hear this.

Lu Yiming used Detection Eye LV1 on Liu Zhenyun again.

Name: Liu Zhenyun
Relationship: Employer-employee relationship (Loyalty: 100; Rating: I'd give my heart for you!)
Current mood: Excited (as if I've made up my mind).
Physical condition: Sub-healthy (requires sufficient sleep and adequate rest.)
Affection level: ∞ (Borrow money from him! He can lend you as much as you have! He might even take out a loan to help you if you need more!)

After getting feedback.

Lu Yiming then looked at him and said, "There's no need to rush things. There's still a long time ahead. Let's talk about your rest now. I heard from Secretary Cao that you've hardly ever taken a day off, and you're always the last to leave work at night. What's wrong? Is my salary not enough for you? Do you need to earn more money through overtime pay?"

Hear this.

Liu Zhenyun quickly waved his hand and said, "No! I haven't spent all the money you gave me, Mr. Lu."

Upon hearing this, Lu Yiming's lips curled into a smile.

He immediately nodded and said, "Okay! As long as you don't run out of money! From today onwards, you must maintain at least eight hours of continuous sleep every day, and you must rest four days a month. I will have Secretary Cao find someone to supervise you. If you sleep one minute less each day, you will be forced to rest for one day. If you rest one day less, you will be forced to rest for one week."

Hear this.

Liu Zhenyun opened his mouth as if to say something.

However, Lu Yiming did not give him that chance. He waved his hand, indicating that he should not say anything, and then walked out of the office, leaving Liu Zhenyun stunned in his seat.

at this time.

Lu Yiming went directly to Cao Siyun's office.

She was quite surprised by Lu Yiming's arrival.

He quickly stood up and called out, "President Lu! You've arrived!"

Hearing this, Lu Yiming nodded.

He then went straight to her desk and sat down.

He then said, "Help me find a bank to ask how much cash I can borrow if I pledge ByteDance shares as collateral."

Lu Yiming never fights a battle he is unprepared for.

He needs to have a clear understanding of the funds he can use.

Although Liu Zhenyun said that 100 million yuan could be used for a year, Lu Yiming knew that this was a rather conservative plan. Lu Yiming had already learned the lesson that improving efficiency required paying extra money several times.

Hear this.

Cao Siyun was quite surprised.

But I didn't ask any more questions.

She only needed to carry out whatever Lu Yiming wanted to do.

Equity is movable property.

Therefore, it is a pledge, not a mortgage. Compared to mortgage loans, the interest rate for a pledge is often higher.

However, there are always exceptions.

Cao Siyun contacted several banks for consultation that day.

It was learned that Lu Yiming intended to pledge his shares in ByteDance.

That is, 2 PM that day.

Several commercial vehicles were parked downstairs at Lu Yiming's company.

These cars represent the highest-ranking officials in Changsha who Cao Siyun contacted for contact with these banks.

"Secretary Cao! Our Huaxia Bank is willing to lend 7.5 billion yuan at an annual interest rate of 4.75%! The requirement is a contract of three to five years!"

"Fifty billion? Secretary Cao! Our Shanghai bank only offers an annual interest rate of 4.59%! We can lend you ten billion! The requirement is a three- to five-year contract!"

"Our investment promotion offers an annual interest rate of only 4.5%! Minimum investment: 10 billion! Maximum investment: 15 billion! Funds available within 24 hours! A three- to five-year contract is required!"

"Our rural credit cooperative only offers 3.9%! We can lend out 3.5 billion this month, and raise another 3.5 billion before the end of the year! The requirement is a five- to seven-year contract!"

The lowest-ranking officials to arrive were all deputy bank managers.

Shares also vary in quality.

ByteDance is a company with unicorn potential.

It's worth it for them to come in person.

Moreover, given the current poor economic climate, the fact that they can lend money out with such high-quality collateral suggests they might even be hoping Lu Yiming can't repay it.

This was exactly what Cao Siyun had anticipated.

I didn't expect them to arrive so quickly.

After speaking with the four bank presidents or vice presidents who had come to visit at the same time, I finished speaking with them separately.

Immediately contact Lu Yiming to inform him of the situation.

Say something.

Lu Yiming didn't expect to be able to borrow so much. He originally thought that two or three billion would be the most he could get, after all, ByteDance's valuation was only 750 billion US dollars a few months ago.

Shares worth $750 million.

The calculation is based on a pledge loan ratio of 40% to 70%.

Having 3 billion would be quite good.

These four banks are the most aggressive in attracting investment.

It went directly from 10 billion to 15 billion.

This person is after both the interest and the shares.

This type of collateralized loan basically means that the money lent out can be recovered from the collateral.

In other words.

China Merchants Bank believes that Lu Yiming's one percent stake in ByteDance could be worth up to 15 billion yuan.

And most importantly.

None of the four banks mentioned any restrictions on usage.

This means that Lu Yiming can use the borrowed money for either consumption or investment.

At this moment, Lu Yiming was considering which company to borrow from.

Or rather, they're calculating exactly how much money they need.

It's not true that the more money you borrow, the better.

Right now, he only needs a few billion yuan.

Didn't Liu Zhenyun want a supercomputer?

Then let's get him a good one, the kind that's perfect from the start.

Think of this.

Lu Yiming said, "Go and call General Manager Liu over here!"

Five minutes later.

Liu Zhenyun arrived at Cao Siyun's office.

At Cao Siyun's prompting, he picked up the landline microphone on the table.

He leaned in and said in a deep voice, "President Lu!"

"I want to build you a supercomputing center! Is three billion enough?"

The tone of those words.

It's as if they're asking how much a piece of pork belly costs at the supermarket.

Upon hearing this, Liu Zhenyun began mental arithmetic.

The investment for 1P computing power is approximately 200,000 yuan.

If it's three billion.

We can build a supercomputer with a computing power of over 2,000 petabytes (the computing power of a chip is not simply one plus one equals one).

The peak computing power of a single A800 chip is only about 0.6P.

It increased from tens of P to two thousand P.

This level of supercomputing.

At full load, it consumes at least several hundred million kilowatt-hours of electricity per year.

That's it for now.

After taking a deep breath, Liu Zhenyun said, "President Lu! Isn't this too much of an investment?"

Hear this.

Lu Yiming smiled.

He then said, "This is not your problem. Just tell me, if I were to build you a supercomputing center with a scale of 3 billion, how much confidence would you have in the project?"

Hear this.

Liu Zhenyun pondered for a moment.

He then added, "It used to be 30%! Now it's 80%!"

The speed of AI research is linked to computing power.

If he could allocate over 20,000 petabytes of computing power at will.

He was full of confidence in the project.

Hear this.

Lu Yiming snapped his fingers.

Liu Zhenyun was instructed to hand the electricity to Cao Siyun.

"I need to borrow between 3 billion and 3.5 billion. Which company do you think would be the most suitable?"

Hear this.

Cao Siyun was stunned for a moment.

He then cautiously asked, "Mr. Lu? Are you sure you only want this much?"

That's all?
Lu Yiming was puzzled by Cao Siyun's words.

At this moment, Cao Siyun continued, "It's like this, Mr. Lu! If you only need more than 3 billion, you don't actually need to pledge ByteDance's shares."

Finished saying this.

She picked up the tablet that was on the table.

After opening a stock trading software, he brought up the background and placed it in front of Lu Yiming.

"Mr. Lu! These are the stocks you arranged to buy before! A total of 60 million yuan of capital reserve was injected, plus 15 million yuan that you personally invested in batches later. Apart from the stocks that you know were bought for 5 million yuan and have fallen by 70%, the others have all risen! For example, this stock! 30 million yuan was bought at the time, and by October it was worth 100 million yuan. In October, it also experienced 17 limit-up days in 26 days. And this is not even the one that has risen the most."

Although Liu Zhenyun does not trade stocks.

But hearing that the stock had hit the daily limit 17 times in 26 days still left me with a look of astonishment.

I did some mental calculations.

Let's calculate it as a total of 100 million.

Seventeen consecutive daily price limits also amounted to over 500 million.

This last sentence isn't even the one that saw the most dramatic increase.

This made Liu Zhenyun look at Lu Yiming with admiration.

There's a saying in the stock market.

If you don't participate, you're already ahead of 90% of stock market investors.

at this time.

Cao Siyun calculated the total value of the stocks owned by Lu Yiming.

The tens of millions of shares that Lu Yiming bought earlier are now worth 3.2 billion.

Say something.

Lu Yiming had almost forgotten that he owned these shares.

When Cao Siyun gave her report last time.

That was a few months ago.

It was after that report that Lu Yiming told her not to report to him anymore.

I plan to open the blind box at the end of the year.

I never imagined that the stock, which was only worth a few hundred million at the time, would rise to such a high value.

It's now worth over three billion.

Not taking out a loan is naturally the best option.

In that case, these bank managers will have made a wasted trip.

However, it wasn't a wasted trip. If he ever needs money in the future, at least he'll know how much he can borrow from these shares.

at this time.

Lu Yiming said nonchalantly, "Since this portion is enough, let's sell all these stocks first!"

These stocks were the "monster stocks" he remembered from 19.

Regardless, he won't hold onto it until next year.

of course.

He still has 20 years of speculative stocks waiting for him to buy.

Even if there is still room for appreciation, he wouldn't care.

Cao Siyun nodded upon hearing this.

The money is estimated to arrive in about half a month, and the supercomputing center also needs time to be set up. Lu Yiming looked at Liu Zhenyun and said, "You should buy one of your supercomputers with a budget of more than ten million yuan first! Use it until the supercomputing center is set up, and you can donate it to the local university when you no longer need it."

Upon hearing this, Liu Zhenyun nodded.

He's not very good at expressing gratitude.

She intends to repay Lu Yiming with her actions.

However, thinking about Lu Yiming's previous demands on him, he felt that he needed to speed up his actions.

At least within the thirteen hours of work each day.

We need to achieve the same results as the previous fifteen hours of work.

At this time, Lu Yiming was unaware of this.

Liu Zhenyun plans to approach this project with an overclocked approach.

Seeing that he was already eager to try.

Lu Yiming laughed and said, "Keep it up! Just try to see the project reach the application level within three to five years!"

(End of this chapter)