Reborn 60 years ago, became a god thanks to the prophet

However, Xiao Qiang disagreed with Ye Chen's statement.

Money in the bank, to put it bluntly, is money that is not used in vain.

As for the interest generated, it has always been worth mentioning in the face of capital.

It was really hard for him to understand that Ye Chen let this "empty-glove" opportunity go.

You must know that Ye Chen's business is not just an industry like Tenglong Real Estate.

There are many other industries that need to burn money.

If we don't take advantage of the opportunity to get loans from banks now, once the capital chain is in crisis, it may not be as easy and convenient as it is now due to policy changes.

Therefore, it is really hard for Xiao Qiang to understand why Ye Chen would give up this opportunity to transfer bank funds to his own account...

"Director Ye, these are countless opportunities that almost all capitals are looking forward to. In the world of capital, not only will all capitals not resist getting loans from banks, on the contrary, they will try every possible means to get them. Do everything possible to maximize the loan amount!" Xiao Qiang still couldn't help but want to persuade.

"So I look very different, right?"

After withdrawing his thoughts, Ye Chen smiled lightly.

Xiao Qiang was noncommittal, "In short, I think we should seize the opportunity of this wave of banks rushing to give us loans. They say they have enough money and don't panic. As far as our Tenglong Real Estate is concerned, even if the mid-level villa area will soon be We have withdrawn tens of billions of funds, but this amount of funds is definitely a drop in the bucket compared to the suburban development projects and the proliferation of Tenglong commercial complexes, as well as the subsequent construction of high-end residential areas! Maybe your Yiren Ruxue can provide Tenglong Real Estate with Hematopoiesis, but you own more than just Tenglong Real Estate, so I really don’t understand why you let the bank give us Tenglong Real Estate a bailout without using it!”

"Let's stop letting the bank take care of us for now!" Ye Chen shook his head without thinking.

After all, it is impossible for him to be honest with Xiao Qiang about his psychology and thoughts.

see.

Under Ye Chen's firm attitude that seemed to have made up his mind, Xiao Qiang had no choice but to give up and continue to persuade.

Um--

This 'unparalleled genius' has always had thoughts and ideas that are difficult for the outside world to understand.

Thinking of this, Xiao Qiang's tangled and depressed heart seemed to ease a little.

"Fine!"

Xiao Qiang secretly smiled bitterly and nodded, "Currently, the funds on our Tenglong Real Estate books can last for another two quarters. After the Mid-Levels villa area is delivered, we can withdraw more than [-] billion, but in the following two years, Tenglong will Real estate will fall into a state of being only accessible but not accessible, and coupled with the huge demand for development in the outer suburbs, overall, even including the withdrawal of funds from the mid-level villa area, it will not last long!"

After a pause, Xiao Qiang continued, "Dr. Ye, please forgive me for speaking frankly. In the real estate industry, no matter before, now, or even in the future, there will be no company like ours, leaving the bank to give away the money." Just don’t give up the loan you’re talking about. Whether it’s a construction company or a building materials supplier, you don’t let them advance funds, but ask us to settle the accounts normally. Looking at the entire industry, this is not done. , this will only accelerate our cash consumption. Maybe you don’t know, our behavior has been called crazy by the industry. Even some colleagues said that our brains were caught in the door, and some were just laughing. Yes, there is no shortage of yin and yang to say, let’s see how long Tenglong Real Estate can be a clear conscience!”

"Although I disagree with the remarks of my colleagues in the industry, I feel that since you have given up the loan from the bank, shouldn't we adjust the consumption rate of funds? In this case, it will undoubtedly be a big improvement Expand our capital planning space to the greatest extent!”

Stop talking.

Xiao Qiang stared at Ye Chen closely.

As a developer, we do not seek bank loans, do not require construction parties to advance funds, and do not extend credit to suppliers...

To be honest, this completely refreshed and even subverted Xiao Qiang's outlook on life!

If she were from the perspective of ordinary people, she would definitely shout out for a conscientious enterprise with high respect!

But from the perspective of an industry insider and the person in charge of Tenglong Real Estate, she really couldn't agree with Ye Chen's approach.

She had previously considered that she could use a loan from the bank to cover her expenses, so she didn't pay too much attention to this issue.

However, now Ye Chen is even refusing loans personally offered by banks, which also forces her to face the problem of fund consumption.

But what she was waiting for was Ye Chen's head shake.

"Although I know that no matter it is the construction company or the supplier, as long as we ask for advance payment or credit, they will not refuse, but I still want to implement our current business purpose! It is true that what you said is the problem, but I What I think about is that one day if I fall down, or should I say, if one day Tenglong Real Estate becomes Hanta Real Estate, how many companies will be harmed? For now, Hanta Real Estate has defaulted on construction advances and various suppliers. It should be an extremely large sum, right? And it shouldn’t be easy for those ‘creditors’ to recover it!”

Xiao Qiang was stunned by Ye Chen's words.

I heard Ye Chen's words continue, "Although I never use myself as a saint, I still don't want my partners to suffer miserably because of me, no matter how low the probability is! I know what I think and do. It is destined to be difficult for people to understand, especially some capital will think that I am cutely stupid, but these are not important. What is important is that I just want to implement the purpose of doing as much as I have the capital, and I don’t want to Is there any situation in my future life where I owe others anything?"

Xiao Qiang was speechless for a long time after hearing this.

Then he took a long breath.

"I finally understand the words of Zhi Hua that are often mentioned by the big guys in the capital world!"

"What are you talking about?" Ye Chen asked.

"I believe you must have heard of it, Dong Ye!" Xiao Qiang said.

"Tell me?"

"Well, those business tycoons often say that you are not a qualified capitalist, and you don't even have the slightest potential as a capitalist!" Xiao Qiang said.

"Is there more later?" Ye Chen smiled calmly.

"If you cannot become a qualified capitalist, your upper limit will be very limited!"

Before she finished speaking, Xiao Qiang added continuously, "Of course, I only agree with the first sentence, and I definitely don't agree with the last sentence!"

Ye Chen: "..."

Ye Chen: "..."

Ye Chen: "..."

As a reborn person with the power of 'prophet'.

Will Ye Chen's upper limit be very limited?

Just because he doesn't take the debt path of a capitalist and doesn't want to maximize profits as much as possible?