Rebirth 2004: I can make money by writing.

"We can provide a credit line of up to 2 billion yuan, with a term of two years," Qiao Shan said, a little embarrassed. "The annual interest rate for the secured portion is approximately 6.2%; for the unsecured portion, the interest rate will be slightly higher, around 8.8%."

This number is the result of repeated discussions between Qiao Shan and his superiors.

They knew that if they wanted to cooperate with a big client like Hao Qiang, they couldn't set too many restrictions.

Otherwise, other banks might get there first.

As long as they can safely recover the principal in two years, this business will be enough to make their performance shine.

"Twenty billion, that's not a lot." Hao Qiang acted calm after hearing this.

In fact, Hao Qiang was quite satisfied with this proposal.

Li Yunfeng, who was lying on the sofa, couldn't believe that the bank president would be so humble as to ask Hao Qiang for a loan.

It’s said that getting a bank loan is difficult. It seems that it depends on the person.

But looking at Hao Qiang's expression, he was obviously very satisfied with the loan amount of only 20 billion yuan.

Oh my God, 2 billion yuan, probably around the top 100 on the national rich list.

But think about it, Brother Qiang's wealth is already 10 to 20 billion yuan, and his wealth is growing very fast, it seems that 2 billion yuan is not much for him.

There are so many things that can be done with this 20 billion yuan.

"Mr. Hao, 20 billion yuan is not a small amount."

“You are very generous in lending money to real estate companies.

They use the bank's money to enclose land, and then the construction company helps to finance the construction. Before the houses are built, they start selling them, receive part of the house money from ordinary people, continue to acquire land, and repeat this loan process.

The real estate market has only been good in recent years. If unfinished projects or unsold properties become unsold, your banks will be left with a mountain of bad debts, and ordinary people will be the ones who suffer in the end. I really don't know what you're thinking." Hao Qiang is very unhappy with the operating model of real estate companies. He was once an ordinary person himself.

He was reborn, but couldn't change the situation.

Qiao Shan felt very embarrassed by what he said, and in some situations, he was helpless.

"Mr. Hao seems to have a lot of complaints about the real estate company. Which boss has offended you?"

"No one has offended me. I just don't like real estate companies that exploit loopholes in lending. In the end, the people who buy houses are the ones who suffer." Hao Qiang said frankly. He was unhappy with a certain boss, but he would not say it in front of Qiao Shan.

Qiao Shan said thoughtfully, "I will report the situation Mr. Hao mentioned to my superiors.

There are indeed some unreasonable aspects in the loan issuance by certain real estate companies.”

Hao Qiang responded earnestly: "As a friend, I am just reminding you in a friendly way.

Take my advice, it is better to be cautious.

The real estate situation will be good in the next few years, so maybe nothing will happen.

But there will always be a day when it will decline. Aren’t you afraid that your competitors will bring up the past?”

"Thanks for your advice. So, is the 20 billion loan credit line settled?" Qiao Shan asked.

Hao Qiang nodded in agreement: "Well, I will ask the finance department to sort out the assets that can be mortgaged."

Li Yunfeng, who was listening to the conversation between the two, couldn't help but be surprised: He didn't expect that the bank would take the initiative to come to his door to lend money, and the loan of 20 billion yuan was easily negotiated.

After the discussion, the three of them drank tea and chatted for a while before leaving the villa.

Hao Qiang drove out of the gate. Qiao Shan said goodbye and drove away alone.

On the way back to school, Li Yunfeng couldn't contain his curiosity and asked, "Brother Qiang, is it really that easy to get a bank loan? It's so easy to get 2 billion yuan."

Hao Qiang shook his head and explained, "It's not that simple. Banks don't take risks without reason. You don't know, when I first started my business, I almost broke my legs running to the bank."

He then specifically warned, "If you're in the system and are responsible for attracting investment in the future, you must be especially wary of real estate companies and some superficially glamorous businesses. They often use cover to defraud banks and the government of funds."

"Well, I've learned a lot. Thank you Brother Qiang for your guidance." Li Yunfeng nodded thoughtfully.

Brother Qiang brought him in front of the school leaders, and only then was he able to join the school student union as vice president.

He will retire at the end of this semester and will no longer be able to serve as a student union cadre in his senior year.

In November this year, he will take the examination for selected civil servants.

985 graduates, file clerks, and student leaders are all indispensable.

Not everyone can apply for the exam. Even if you pass the exam, the most difficult part is actually the interview.

With the strong recommendation from the school leaders, it’s basically a sure thing.

If he is not hired, he plans to continue his postgraduate studies and then apply for the selected civil servant position.

Three days later,

Hao Qiang applied for a new bank loan with a maximum credit limit of 20 billion yuan, of which 5 million yuan was a mortgage loan.

He plans to invest the 20 billion yuan mainly in the upstream raw materials field of lithium batteries, especially the lithium resource sector which is easier to control.

Both ternary lithium batteries and lithium iron phosphate batteries use lithium resources as key raw materials.

The lithium resources of ternary lithium batteries mainly include lithium carbonate and lithium hydroxide, while the lithium resources of lithium iron phosphate mainly include lithium carbonate and lithium phosphate.

Among them, lithium carbonate is used in large quantities.

Each kilowatt-hour of battery capacity requires approximately 0.8-1.2 kilograms of lithium carbonate. If Galaxy New Energy Company wants to achieve an annual production capacity of 5GWh, it will need about 5,000 tons of battery-grade lithium carbonate raw materials.

It is worth mentioning that lithium carbonate is used to synthesize cathode materials, and its main sources are salt lake brine and lithium ore;

Lithium hydroxide is used in the synthesis of high-nickel ternary materials, and its main source is lithium ore;

Lithium phosphate is used as an intermediate product to synthesize lithium iron phosphate and is usually prepared from lithium carbonate.

The cost of mining salt lake brine is low, but the extraction process is slow. It is mainly distributed in South America and Qinghai, Tibet and other regions in China.

Hard rock lithium ore has a high grade and is extracted quickly, but the mining cost is relatively high. It is mainly distributed in Australia, Hungary, Zimbabwe, Canada and other regions.

During this period, the electric vehicle market had not yet exploded on a large scale, and the price of battery-grade lithium carbonate was about US$3,000 per ton.

By around 2015, the price had climbed to $7000 per ton.

After 2016, with the rapid growth of the electric vehicle market, the price of battery-grade lithium carbonate soared to US dollars per ton.

In the following years, although the price fell slightly due to the significant increase in production capacity, the price of lithium carbonate still broke through the high of US dollars per ton for a time, and then stabilized and remained in the range of -US dollars per ton.

In less than ten years, simply by stockpiling finished lithium carbonate products, a return on investment of more than 10 times can be achieved, which is no less than that of real estate investment.

Moreover, the demand for lithium carbonate is huge. In 2022, global consumption will reach 50 tons, and the market size will be about 100 billion US dollars, which is easier to sell than a house.

In addition, battery-grade lithium carbonate has a very long shelf life. If it is well sealed and moisture-proof, it can be stored for more than five years without any problem.

Even if it expires, it can be recycled and refined again at a low cost.

It can be said that the risk of hoarding it is extremely low and it is easy to preserve.

Of course, if it is not developed, there is no shelf life issue.

However, Hao Qiang still needs to investigate the market situation to see whether it is suitable for investment.

He had previously planned to stockpile raw materials, but he did not carefully investigate the market situation, and he never expected to suddenly receive a loan of 2 billion yuan.