Rebirth 2004: I can make money by writing.

Hao Qiang couldn't guess which of his colleagues wanted to poach his employees. Even if he knew, would they be poaching each other maliciously?

You poach my people and I poach yours, let’s see who has more financial resources?

Fight to the death?

If this is the case, other colleagues will be very happy and reap the benefits.

Even if the head chef was poached, his peers could not replicate the delicious food. Hao Qiang quickly recruited someone, but he still had to spend time training the new employee.

In fact, he is quite calm about it. Personnel turnover is a normal phenomenon. As long as it is kept within a reasonable range, it is beneficial to all parties.

If employees are fixed in one position for a long time without mobility and change, some employees may gradually lose their enthusiasm for work, which is not good for either the company or the employees.

In recent days, Renjian Fireworks Hotpot Restaurant has carried out a large-scale expansion of staff.

Hao Qiang plans to expand the number of full-time employees to 16 people to meet the growing business needs.

Among them, a new deputy store manager was added, named Wang Li, 35 years old, with a high school education and several years of experience in hotel and catering management.

Based on the actual situation in the store, corresponding personnel were also added to other positions.

At the same time, Hao Qiang began to think deeply about the future development direction of Renjianyanhuo.

Generally speaking, there are three main modes of expansion in the catering industry:

1. Store expansion (after investigation, it was found to be unsuitable and was cancelled);

2. Open another mid-range hot pot restaurant at Huanan University of Technology;

3. Directly enter the high-end hot pot restaurant market.

After repeated weighing and careful consideration, Hao Qiang finally rejected the first two development models and decided to move directly into the field of high-end hot pot restaurants.

He felt that he had accumulated enough experience and confidence, and there was no need to spend too much time in the mid-range hot pot restaurant market.

After all, the fame and capital attraction brought by opening a high-end hot pot restaurant far exceeds that of opening five or six mid-range hot pot restaurants.

This strategic choice is not only in line with Hao Qiang's personal vision, but also in line with the long-term development interests of Renjian Yanhuo.

In addition, the secondary technology store is about to open, and he may have to add a different investment project, but his time and energy are limited.

Back to the topic, to open a high-end hotpot restaurant, according to the future area standards of Hidilao, the store’s usable area must not be less than 600 square meters.

According to the current price situation, the estimated investment amount is no less than 3 million yuan, and the investment risk is very high.

With a store providing security and the writing system making money, Hao Qiang had to take the risk to seize time and market share. He had to gamble.

If he doesn't try hard, his competitors will occupy the high-end market share, which will be extremely unfavorable for the future listing of Renjian Fireworks.

But when he thought about the funding issue, Hao Qiang sighed:

"Hey, that's a multi-million dollar investment!"

In an instant, he felt poor again.

Even if the Zhongda Renjian Fireworks store continues to be popular, the monthly profit is estimated to be around 150,000 yuan, and the annual after-tax profit is less than 2 million yuan.

Want to take out a bank loan?

Given his background and fixed assets, it would be good for him to be able to borrow 200,000 yuan.

No matter what, he still has to go to the bank to see how much loan credit limit he has, and he will have to deal with various banks in the future.

Friday, January 11th.

Hao Qiang skipped two classes in the afternoon and went to major banks to inquire about loans.

Before leaving, he prepared personal credit report, business license, bank statements and other documents.

However, the reality was much worse than he expected.

Getting a loan was not as simple as he thought.

At the counter of a large bank, the representative told him indifferently: "Mr. Hao, do you have real estate or other fixed assets locally?

If not, unfortunately, you may not qualify for our loan application.”

Hao Qiang frowned and continued to ask, "Does your bank provide stock mortgage services?"

The commissioner replied without hesitation: “Our bank does not make this type of loan; the risk is too great.

In fact, most banks won’t accept stocks as collateral.”

"I run a restaurant with a monthly turnover of over 200,000 yuan, but I can't apply for a business loan?"

"Do you own the shop or rent it? If it is rented, it will be difficult to apply for it. We recommend that you return to your place of origin and try to apply."

"..."

Hao Qiang was completely speechless.

What kind of conditions are these!

Ultimately, it is best for the loan applicant to be a local and have fixed assets.

Otherwise, what if he runs away with the loan?

If there are fixed assets, the bank can at least seek recovery through its fixed assets.

For out-of-town applicants like Hao Qiang, especially those without fixed asset support, banks will naturally adopt a cautious attitude.

Well, Hao Qiang understands the difficulties of this bank.

Next, he continued to visit major banks.

However, the results were not satisfactory.

The major banks do not provide stock mortgage loans and are unwilling to lend him money. Or if they are willing to lend him money, the credit limit is too low and it is meaningless.

In addition, as the end of the year approaches, banks' lending tasks have been basically completed, and the difficulty of obtaining loans has increased.

Of course, another reason is that Hao Qiang had no experience in bank loans and did not find a way in.

That's true. If it were so easy to get a loan, there wouldn't be so many people resorting to usury.

In any case, he consulted several banks. Although he was not successful in getting a loan, he got a general idea of ​​the loan policies, so it was not a complete failure.

When he was rejected at first, he was a little depressed, but after being rejected many times, he didn't care anymore.

In the evening, Hao Qiang and Qiu Yuqing had dinner together in a small restaurant.

Qiu Yuqing noticed that Hao Qiang looked solemn, with a hint of fatigue in his eyes, and asked with concern: "Brother Qiang, is there something on your mind?"

"It's nothing. I just went to the bank the whole afternoon. The bank's requirements were all messed up. I must be a little tired." Hao Qiang thought for a moment, then opened his heart. He felt better because he had someone to talk to.

After hearing this, Qiu Yuqing immediately offered to help find a solution.

Hao Qiang shook his head and declined her offer: "No, I'm not short of money. I have hundreds of thousands of dollars."

He knew very little about Qiu Yuqing's family situation, but the fact that Qiu Yuqing could give him 300,000 yuan was enough to prove that her family background was extraordinary, but the family's net assets should not exceed 100 million yuan.

One hundred million yuan these days is enough to put one among the top 100 richest people in China.

According to the domestic rich list released last year, the richest man in China, Mr. Rong and Mr. Huang, had more than 1 billion yuan, and Xiao Ma ranked more than 90th in the country with 1.41 million yuan.

Even a wealthy person with assets of 100 million may not be able to easily come up with 5 million yuan as disposable funds.

It can be said that Hao Qiang has nearly one million yuan in disposable funds on hand, which is already quite impressive.

In his hometown, he might be the richest man in town.

However, his ambition goes far beyond this!

Hao Qiang longs for greater success and higher achievements.

Qiu Yuqing felt relieved when she heard Hao Qiang say that they had sufficient funds.

She knew very well that she could no longer take out more money from her family, and even tens of thousands of dollars would require her to make up an excuse.

Moreover, her parents knew that she had savings. If they asked her where the money went, it would be difficult for her to explain who she had lent the money to, and she might even be misunderstood as having been cheated.

What Hao Qiang lacked was obviously a huge amount of funds.

Apart from opening a new store, she couldn't think of any other financial needs he had.

"Brother Qiang, are you planning to open a new store?" Qiu Yuqing asked softly.

"Yeah, I have this idea." Hao Qiang nodded, noticing the worry in Qiu Yuqing's eyes, so he gently held her hand, smiled and comforted her, "Don't worry, I have my own way to solve the funding problem, it just takes some time.

I tell you this because I'm a little unhappy with the bank's attitude.

Seeing your smile, all my worries disappear."

"Hehe, is that so?"

Qiu Yuqing returned to her usual sweet smile and was very happy that Hao Qiang opened his heart to her.

She thought that Hao Qiang would open a mid-range hotpot restaurant. With the current booming business, it would only take a month or two, and he probably didn't want to touch the funds in the stock.

After dinner, the two returned to their rented apartment for their weekly exercise, which was also a time for them to release stress and relax.

After exercise, Qiu Yuqing likes to lie on Hao Qiang's chest with her eyes slightly squinted.

Hao Qiang gently stroked her smooth back and felt that the stuffiness in his chest had dissipated and his breathing became much smoother.

Since his rebirth, he has been on a smooth journey, and it is a good thing to have some hardships.

Hao Qiang knows that as his business grows bigger, he will face more difficulties and greater pressure.

It’s true that he is a reborn person, but he is not omnipotent.

It just means that he now has more options and doesn't have to beg others for help.

And every challenge and difficulty is an opportunity for him to grow and a driving force for him to become stronger.

Well, only through constant tempering can one become a real man.