Rebirth 2004: I can make money by writing.

The next afternoon,

Qiao Shan took the initiative to call Hao Qiang for tea.

Yesterday afternoon was the most exciting time in his life. He fought against several people in a row and acted like Emperor Wu of Jin. He was not allowed to take the blue pill.

This morning, his legs were still a little weak and he felt listless. It would probably take him some time to recover.

The two met in a teahouse and booked a private room. Qiao Shan yawned many times after chatting for a while.

"Old Joe, why don't you go back and have some rest?" Hao Qiang saw that he was not in good condition and guessed that he had played a little too hard yesterday.

Oh, I should have turned back earlier to see what this bastard was doing.

This bastard is really not a good person.

Of course, I am almost the same.

Although Hao Qiang did not participate in it, he was the one who arranged this activity.

"It's okay, business is more important." When Qiao Shan talked about business, he became very serious and didn't want to mention what happened yesterday at all.

"Well, tell me."

"The new year's loan task has come down. I have a good relationship with you, so I'll tell you first, does your company have any loan needs?" Qiao Shan knew something about Future Technology Group and was very optimistic about it.

In particular, his Renjian Fireworks Company has developed rapidly with high profit margins. Every store he opens is a hit, and the monthly profit is expected to reach 10 million yuan.

How terrifying!

In addition, his Future Motorcycle Company is also performing well.

Hao Qiang didn't waste any time talking to him and said directly: "Of course we need it. The company's expansion requires a lot of funds.

I just signed a new cooperation agreement with the district government to purchase 100 acres of land. The investment budget is over 500 million yuan. Can you help me solve this funding gap?

"Cough cough..."

Qiao Shan coughed. This guy asked for 500 million yuan right away, but his family’s assets were not that much.

Besides, he doesn't have the ability to do so, as the bank is not owned by his family.

Qiao Shan took a sip of tea and explained, "My branch can't approve a credit line that large. Your company has already borrowed 30 million yuan. Based on your company's situation, the maximum credit line we can approve is 50 million yuan. Each time, it has to go through strict branch approval. I'm taking a huge risk and I'm betting everything on you. I've tried my best, but there's nothing I can do."

Unless I can take a step up and jump to a branch."

Generally speaking, in this era, a branch can lend between 1000 million and 5000 million yuan.

Of course, it also depends on the performance of the region and the branch.

If there are many bad debts and few deposits, branches in some regions may not even have a loan quota of 10 million yuan.

Having said that, as long as Future Technology Group develops well and Qiao Shan performs well, he will have the opportunity to be promoted to a branch.

Even if you can't jump over it, the loan amount you can use will be higher.

Hao Qiang borrowed 50 million yuan with an annual interest rate of 6.30%, which generated more than 3 million yuan in interest for the branch.

In addition, the salary cards of Future Technology Group employees are processed in his branch, which has thousands of customers.

"Okay. If you can get a credit line of 50 million yuan, I wish you a quick promotion." Hao Qiang nodded with satisfaction. He was a little surprised that he could get so much.

No wonder Boss Xu’s debt ratio is so high. It mainly depends on how good his relationship with the bank is.

Of course, the good bank flow of the company itself also has a certain impact.

But these data can also be falsified, even by listed companies.

These fraudulent companies are just robbing Peter to pay Paul.

Hao Qiang doesn't want to create false data. If he does, it will be exposed one day.

"Then let's make it a deal. As long as your company has good cash flow and pays the interest on time, it will be easy to handle. Otherwise, if the higher-ups blame me, I can't afford to admit it." Qiao Shan said solemnly, then yawned and said he had to go back and get some sleep.

"Don't worry, the interest payment will not be deferred." Hao Qiang said seriously. The two of them are now teammates in the same trench.

However, if his company does not develop well, these bank presidents will change their attitude quickly and come to your house to collect the debt, asking you to return the capital in advance, and the agreement will be meaningless.

Judging from the current situation, although this bastard Qiao Shan is a bit lustful, he is still quite reliable in doing things. He dare not take kickbacks and is afraid of being found out. He is probably just a power-hungry person.

Hao Qiang suggested: "How about going to my hot pot restaurant and drinking some healthy hot pot soup? It might be better."

"Really useful?"

"I'm in this line of work, how could I lie to you?"

"Okay, you arrange it."

"Ah."

Hao Qiang called the manager of a nearby hot pot restaurant and asked him to reserve a private room so that he could receive guests and prepare some nourishing ingredients.

After half an hour,

Hao Qiang received a call from the store manager, saying that everything was ready.

So, the two went to the nearby Renjian Fireworks Hotpot for dinner.

It’s true, after drinking two bowls of soup, Qiao Shan felt much better.

In fact, it is not the magic of the health-preserving hot pot in the mortal world, but a normal phenomenon.

After eating hot pot, Qiao Shan left with satisfaction and told Hao Qiang to complete the formalities as soon as possible.

Three days later, on February 2th.

Qiao Shan's processing speed was indeed fast enough, and Hao Qiang successfully obtained a credit line of 50 million yuan.

Hao Qiang took out the entire maximum loan credit limit of 50 million yuan without hesitation.

The 50 million yuan was not transferred to factory investment, but to the stock market.

He remembered that in the next two years, the stocks of Moutai and Tencent soared.

Therefore, Hao Qiang tried to find a way to borrow more money to invest in the stock market, and at the same time, make more money.

Currently, the share price of Moutai is 97.55 yuan (adjusted price), and the share price of Tencent is 10.01 Hong Kong dollars (adjusted price), both of which have increased slightly compared to the previous period.

After a brief thought, Hao Qiang used about 40 million yuan to purchase Moutai shares, buying 4100 lots, and holding a total of 6220 lots.

Approximately 10 million yuan was used to purchase 9500 shares of Tengxun, for a total holding of shares.

The book value of the two stocks has exceeded 100 million yuan.

the other side,

The newly signed land certificate for 100 acres has been obtained, and Hao Qiang entrusted the financial director Jiang Ying to handle the land mortgage loan.

At the same time, he commissioned an architectural design firm he had worked with to design a lithium battery factory.

Due to the production of ternary lithium batteries, the battery cell factory of the core factory must have complete safety facilities, including fire prevention and explosion prevention, to ensure a safe and stable working environment.

In other words, all building materials should use as few flammable and explosive materials as possible, so that even if the battery does catch fire accidentally, it will not burn the building.

Not only that, the building structure design should also facilitate fire extinguishing and isolation of fire sources.

In addition, the employees' safe escape routes must be taken into consideration.

In addition, some production workshops have strict requirements on the production environment temperature and must be constant temperature workshops.

Therefore, the overall requirements for the construction and decoration of the production workshop are relatively high.

In the first phase, the factory covers an area of ​​only 10 acres. Excluding land costs, the investment budget is 40 million yuan, mainly due to a large proportion of equipment investment.

The annual lithium battery production capacity is required to reach 0.12GWh, which can meet the needs of ternary lithium batteries for 10 electric motorcycles.

If the factory price of a 60v20ah lithium battery is one thousand yuan, the annual output value of the lithium battery is about 1 million yuan.

The remaining 90 acres of industrial land will be invested based on market conditions.

During the past two days, Hao Qiang discussed the investment budget and lithium battery factory matters with Wang He, vice president of Galaxy Energy Company.

In the end, excluding land investment, the investment budget was 40 million yuan.

Excluding stocks, the group still has nearly 20 million yuan in funds available, which is sufficient for initial investment.