Rebirth 05 Be a car tycoon

Chapter 212 Collapsed in an instant?

Banks dislike the poor and love the rich.

Rich people, it desperately wants to lend you money.

For those who have no money, if you ask them to borrow money, it will be difficult.

Obviously, in the eyes of the bank, Nanshan Automobile definitely belongs to the rich.

In particular, Universal Bank knows the financial situation of Nanshan Automobile best.

Although they don't know the profit margin of Nanshan Automobile, they are clear about the monthly turnover.

After all, the company account of Nanshan Automobile is opened in Universal Bank.

In one month, domestic and foreign sales totaled more than 20, contributing more than 300 billion in turnover to Nanshan Automobile.

This data is well-deserved number one among private enterprises.

Therefore, Universal Bank has always wanted to lend money to Nanshan Automobile.

As long as they are willing to lend, no matter how much the loan is, the Universal Bank can agree.

"Wang Xing, Nanshan Motor finally nodded, they are planning to build a new factory in Mingzhou and Hanzhou at the same time, expanding the production capacity of the entire company to 360 million vehicles.

They are willing to find all the funds for the construction of these new factories from our bank.

Of course, the loan interest rate must satisfy them. "

"Building a new factory at the same time? Such a big deal?"

"Yes! According to the information released by Xiaozhong Auto, the investment of one such factory will definitely exceed 50 billion. If two factories are built at the same time, the investment of 100 billion will go out.

And with the increasing use of automation equipment, the current automobile factories are becoming more and more advanced.

This investment will only get bigger and bigger.

"I heard that the profit margin of Nanshan Automobile is maintained at between 5% and 10%. It is even possible that because of the hot sales of large cars, the profit margin of people exceeds 10%. In this case, they should not be short of money. .

Why are they willing to let go this time? "

Although Nanshan Automobile is willing to borrow money, President Wang, as the person in charge of the provincial branch, is in a good mood.

But the other party wanted to borrow so much money in one breath, he inevitably began to worry about gains and losses again.

After all, with such a large contract, if something goes wrong, his future will be over.

"I heard that there is an investment department within Nanshan Automobile, and it has been doing a lot of overseas activities during this period, and there are constant news that they are engaged in overseas mergers and acquisitions.

It's just that a lot of news is still unclear because the contract has not been formally signed.

But according to what I have heard, the scale of their overseas mergers and acquisitions this time may exceed RMB 200 billion. "

"200 billion RMB?"

"That's right, even if Nanshan Automobile can make a lot of money now, the amount of money is not a small amount."

"If that's the case, I'm relieved.

Regardless of whether their mergers and acquisitions are smooth or not, and whether the acquired assets are worth that much, at least for us, the risk of this is not very high compared to loans. "

"Yeah! As long as there is no problem with their business conditions, the risk of this loan is very low.

It seems that the loan of more than 100 billion is actually less than a year's profit.

As long as they are brave enough, even if they lend them 500 billion, I think there is no problem. "

……

"Xiao Hui, although our cars also use a lot of chips, this industry is completely different from the auto industry. Do you really want to invest so much money in it?"

In the entire Nanshan Automobile, there are very few people who can persuade Xiao Hui to live.

During this time, Zheng Yanyan was in charge of the export business of Nanshan Automobile, and spent a lot of time dealing with Xiao Hui.

Coupled with the special relationship between the two of them, that's why they dared to persuade so directly.

"The chip industry is indeed very different, but for the long-term development of our company, it is necessary to enter.

What is the core competitiveness of Nanshan Automobile?
A new look for the car?This family can learn to walk quickly.

Advanced engine technology?Don't they have Fengfeng Automobile and Benben Automobile?They didn't bring the best technology to Huaxia before, but it doesn't mean that they will do the same in the future.

Then what core advantages does our Nanshan Automobile have?"

"But whether it's Fengfeng Automobile or Tongtong Automobile, they don't actually have mastered the chip manufacturing technology."

"I can't say that completely. For example, niche cars have a very special relationship with Infineon. Basically, Infineon's technology represents the technology that niche cars have mastered to a certain extent.

There is also Fengfeng Motor, Dianzhuang under the family, which can make chips by itself.

Although not all chips are produced by themselves, they at least have this ability.

The most important thing is the chip company, basically either in Toyo or in Citigroup or Europe.

Even if other people's car companies don't have mastered these technologies, it doesn't matter much.

But we are different, we are a Chinese company, and we do not have our own chip company in China that we can sell.

Now, whether it is the chips used in Nanshan Automobile, or niche cars, Geely Automobiles, and Dream Cars, everyone counts as one, and 100% of the chips are imported.

Even though it is domestically produced on the surface, this domestic company is also a branch of an international giant. "

Xiao Hui's understanding of chips has also greatly improved this year.

Although it cannot be said to be a chip expert now.

But he still knows some basic information about the chip industry and some preliminary chip knowledge.

Otherwise, how to listen to the report of the investment team, and how to guide everyone which company to invest in?
"There is some truth in what you said, but Huaxia has already joined the WTO, and now the emphasis is on international division of labor and cooperation. The chip industry does not belong to Huaxia in the international division of labor. It is normal for us to need imports."

"From the current point of view, it seems that there is nothing wrong with your statement.

But with the rise of Huaxia, Citigroup's attitude towards us will definitely change.

If one day they make a fuss about chips in order to limit our development, what should we do?
At that time, Nanshan Automobile, which has an annual output of several million vehicles, will collapse in an instant.

The seemingly successful past is all gone. "

"This... this... is it unlikely?"

"Why do you think it's unlikely? Let me ask you, if Citigroup really did that, would Nanshan Automobile collapse in an instant?
For other parts, we can more or less find domestic substitutes, but chips are an exception. "

Xiao Hui looked at Zheng Yanyan very seriously.

"If this extreme situation occurs, not only Nanshan Automobile, but all Huaxia Automobile companies will go bankrupt!"

"Yeah, so even if the possibility of this kind of thing happening is not very high, I won't allow it to exist!"

(End of this chapter)