All gods, the lord who started with the bright sword

Chapter 163, loan 3 billion
"I will choose whoever offers the best interest rate terms."

"Also, the gold pledge business is bundled with this business. Everyone, think about it carefully and give me an answer by this time tomorrow."

Sitting at the end of the conference table, Chen Hao glanced at the vice presidents of the branches of the three banks, and announced domineeringly.

After some negotiations, the three banks were willing to offer [-]% of the pledge rate for antiques.

This is already a pretty good condition, under normal circumstances it is [-]% to [-]%.

After all, banks have to consider risk fluctuations. In case the customer fails to repay the loan when it is due, it is not so easy to auction off the collateral.

Chen Hao accepted an [-]% pledge rate, but he wanted a lower interest rate.

Antiques are pledged at 30 million yuan, gold is pledged at [-] billion yuan, and loans are as high as [-] million yuan.Every one percent increase in interest rate equals [-] million a year.

For anyone, 30 million is not a small amount of money.

So Chen Hao bundled the two businesses together and forced the bank to give him the lowest loan interest.

If this business is completed, it will be a very big achievement for the leaders of the bank.

As the value-added space of antiques and gold increases with economic development, the risk of being used as collateral is relatively controllable.

They want what they want, and they will only rush to get it, and will not push it out.

From Chen Hao's point of view, his gold collateral is strong enough. If the three banks disagree, then ask another bank.

There will always be someone who crosses the line and agrees.

Just like in export trade, factories compete with each other to lower prices without a bottom line, even if they only earn a little money, they want to grab business.

If you don't care if you open your mouth, it will only drag the entire industry into trouble.

"Mr. Chen, let's take our leave first. We will inform you as soon as we reach a conclusion after the meeting."

"Mr. Chen, ICBC has the strongest strength and will definitely provide you with the most satisfactory service. You may wish to think more about it."

The heads of the three banks greeted each other and left.

Not surprisingly, they immediately communicated on the phone as soon as they got back in the car. Even if an intentional decision is made on a project worth [-] billion yuan, it is not up to one or two people to make the decision.

To give the lowest interest rate, it has to be discussed at the meeting and make a joint decision.

The credit is your own, and the accident is a joint decision of everyone.To be able to hold the position of vice president of the branch, even if he is not a human being, he is definitely not a fool.

Before Gao Xiaoqin came here, she wanted to get to know each other to join in the fun, but she didn't expect to meet a big scene.

She became more and more interested in this man who suddenly got rich, and wondered in her heart which family's white gloves it might be, hiding it deep enough.

Gao Xiaoqin took out a diamond membership card with a platinum base and studded with broken diamonds.

"Mr. Chen, you can come to Shanshui Manor if you have time. Chairman Li knows that we can provide the best service in the province, and you will definitely be satisfied."

Li Gubei said with a hearty smile: "Brother, this is the top diamond membership card, and there are not many in total. Mr. Gao appreciates you very much."

Chen Hao reached out to receive it and glanced quickly. The code was zero nine, but no accidents, only eight cards were sent out.

It costs more than [-] yuan to create a card just by materials, not to mention the service represented behind the card.

Chen Hao knew very well that it was because he revealed his wealth and endorsed it with a wealth of 35 billion that this woman paid special attention to him.

"I have heard about the famous Shanshui Manor for a long time, and I must go and see it when I have time."

Chen Hao talked about the scene, exchanged some pleasantries, and sent the beautiful female vixen away.

Li Gubei said: "Don't underestimate Gao Xiaoqin, this woman has a lot of background behind her. Do you know Director Qi? She is a frequent visitor of Shanshui Manor."

He meant to warn, everyone wants a beautiful woman, but this is a rose with thorns, if you eat it, you may hurt yourself.

Li Gubei knew that Chen Hao was a lustful person like him, so he was afraid of being controlled by his lower body and making enemies with unnecessary people.

Chen Hao had heard similar rumors, but this was the first time it happened to him.

In this patriarchal society, no one can succeed easily, especially women.

He thought of a certain actress who became famous after the TV series aired.He is a radiant star in front of people and is loved by thousands of movie fans.

But those people don't know that their goddess has already changed into their own shape.

He immediately said jokingly: "Behind every successful woman, there is a man who is strong enough. This is the reality."

Li Gubei was delighted when he heard that: "You're right, the rules of society are like this, and the bright and bright entertainment circle under the lights is the most conspicuous display."

The celebrities he raised did not have a large amount of financial investment support, those women wanted to become famous and prosperous, so let's dream big.

Compared with scarce capital, there are many beautiful women.

The same goes for rights.

Also with that man's support, the owner of Shanshui Manor can be called Gao Xiaoqin, Li Xiaoqin, Wang Xiaoqin, or even a cat or a dog.

Try not to offend that woman as much as possible because you can't offend the man behind that woman.

Zhou Hexuan had socialized with clients and partners in Shanshui Manor, and spent millions of dollars a year in exchange for a gold membership card.

Look at this Gao Xiaoqin gave a diamond membership card as soon as they met, if he didn't have some feelings in his heart, it must be a fake.

If you want others to think highly of you, you must have that strength.

Zhou Hexuan poured two cups of tea and interjected, "The antiques and gold are mortgaged. This is three billion yuan in cash. Have you decided what to do?"

Chen Hao picked up his teacup and took a sip: "The first is naturally spending money, and the second is investing. Just in time, you are all looking to see if you can give me some advice."

He has several things to do, such as buying an island in Southeast Asia and training an armed force that can operate abroad.

Because the money was not very convenient before, now he has no worries, and he can be the owner of the island.

Li Gubei had promised before that he could help matchmaking.

However, what Chen Hao was anxious to do was to set up the machinery and equipment of the military factory.

For military use, he will ask North Industries Group. The two sides have cooperated well before, so it can be resolved.

For civil power plant equipment and steel melting furnaces, he does not need advanced ones, but needs relatively backward ones.

It is enough for the Eighth Route Army, and it is too advanced to be superfluous.

In this regard, Chen Hao still has no idea. He needs someone who is familiar with the industry to match him up to purchase machinery and equipment.

Zhou Hexuan laughed when he heard the request, this is exactly what he can help.

Before opening a factory, I got to know many bosses from all walks of life, and it was not too easy to find and replace some outdated machines.

"I'll help you set up a bridge. It's a trivial matter. Is there any problem?" Zhou Hexuan said.

"The other thing is to invest. When the loan comes down, there are more than two billion on the book. I can't let it go and waste the interest. I have to invest it as soon as possible."

Chen Hao mentioned the investment project that he learned about in Li Gubei's office that day.

He learned about it later, and the more he thought about it, the more he felt that it was a good business.

Even if it doesn't work, the online business will break the situation and sell back half of the cost.

The value of the land hoarded offline can also earn back the losses.

Chen Hao thinks he can take a gamble. He has no worries about the wrong direction and the loss of opportunity cost.

Even losing half of the capital is still affordable for him.

After all, he came in very quickly, so losing one billion or eight hundred million is really not a big problem.

But what if it finally works out?
It is estimated that it is also a large company with a level of [-] billion, and its shares will be valuable once it is listed.

The main business is on the one hand, the value-added of the land can be superimposed, and the profit can be doubled directly.

Chen Hao thinks that he can afford to gamble this investment, but he still wants to hear the advice of the two veterans in the shopping mall.

They have rich experience, and with a few more pointers, they can avoid a few detours.

Chen Hao's eyes fell on the most successful Li Gubei: "Brother, do you have anything to tell me?"

"It seems that you really want to do it."

Li Gubei thought about it later, and asked someone to inquire about it, and gained a deeper understanding of the Internet industry.

He has to admit that he is in a traditional industry, real estate and hotels are fine.

Stepping into the Internet industry with one foot, the span is really too big.It is unlikely that it will be successful to start from scratch as an online shopping mall.

Li Gubei lit a cigarette, exhaled a long puff of smoke, and said, "Imitate Goudong Company, and you will definitely not be short of funds for the online shopping mall right now."

Chen Hao nodded, this can be said to be his greatest advantage.

Others have to ask grandpa to sue grandma for financing to start a business.You need to be restricted by investors, and if you fail, you have to sign the terms of the bet and put yourself on it.

After excluding the necessary expenses, he has more than two billion yuan in his account, which is more than the sum of the previous financings of the Goudong company, so there is no need to consider funding issues at all.

If entrepreneurship is likened to a war, then Chen Hao has enough bullets, which means that he can fight a very rich battle.

After a pause, Li Gubei continued: "I think that if you want to start this project, you need to find experienced talents and form a combat-capable team.

After all, you have never set foot in an Internet project before, and without the help of a group of veterans in the industry, you may not be able to tell how many moths you have in the middle, which will make you physically and mentally exhausted. "

It is a very pertinent point of view, and Chen Hao very much agrees with it.

"My brother is so right. I know what I should do after hearing what you said. For talents, you must find a headhunter to dig a talent team."

The talent team must have the ability to independently manage the entire project, high salary, and bind some option shares.

It's like fighting an army's command team. If the commander is not smart enough, he can't win the battle with a good team.

Not to mention that Chen Hao is not familiar with Internet business, but he often disappears, and it is not suitable for him to keep an eye on the trader all the time.

After receiving an important suggestion from Li Gubei, Chen Hao turned his attention to Zhou Hexuan again: "Brother Zhou, after listening to my project, do you have any suggestions?"

"Oh, I have a little suggestion." Zhou Hexuan was a little lost.

He was considering the feasibility of the project just now, and the answer is that the prospects are very bright.

It's just that he himself is in a traditional industry, and he's working on a lucrative real estate project, so he doesn't want to cross the border into this muddy water.

Chen Hao wanted to engage in this project, Zhou Hexuan tried to persuade him not to be too radical.

Because the project has bright prospects, not everyone can succeed. Entrepreneurship itself is a very risky job, even if you have money and background.

However, this kind of thing has been persuaded a lot, and it might make people think that it is blocking people's way of making money!

Zhou Hexuan just thought about it in his heart, it is impossible to say persuasion words, at most it is a tactful reminder to find an opportunity.

If he wanted advice, he had one too.

To find suitable talents, you don't need to search everywhere, you should directly aim at the target company to dig.

Dig some executives and middle managers, and don't leave behind key technical talents.

It is very easy to recruit and fill grassroots personnel, and to set up a similar company with the fastest speed is the essence of copying and imitating.

In the past few years, the homogeneous competition in the factory industry has been played like this.

"By the way, those high-level executives will definitely sign a non-compete agreement. If you poach them, you must be prepared to pay a large sum of money first." Zhou Hexuan added.

Chen Hao nodded: "Understood, as long as this talent is very important, I'm not afraid to lose that little money."

Although he has never been in the workplace, he has heard of non-compete agreements.

That thing can only increase the cost of employees switching jobs and competitors poaching people. Anyway, Chen Hao is very rich, so he doesn't care much.

The two seniors in the business world made some suggestions and taught him some experience.

This was taught to treat Chen Hao as one of his own.

Those young entrepreneurs who are excited about starting a business, lose money and fail to know where they went wrong and regret it.

With the teachings of two successful seniors in the mall, Chen Hao can completely avoid it, making his starting road much less troublesome.

Chen Hao was very grateful in his heart, and he remembered this favor.If there is an opportunity in the future, I will definitely repay it.

After drinking a few cups of tea, Li Gubei took his leave first. He still had an important dinner to attend in the evening.

After they left, Zhou Hexuan talked about the real estate project that the two of them jointly developed, and the overall framework of the project company's staff had already been settled.

Now everything is ready and only owes the east wind.

This shareholder style is called using funds to buy a good piece of land.

Chen Hao thought that Zhou Hexuan wanted to press him for funds: "Money is not a problem, as you have seen, the mortgage loan from the bank will not take long. As soon as the money arrives here, I will call you immediately."

"It's not a question of funds. I can trust your financial strength. The key is that the land I'm optimistic about has been targeted by others." Zhou Hexuan said rather bitterly.

It was a rather mature residential land, as long as the house was built, it would not worry about selling it and waiting for the money.

The sweet and delicious fat meat attracts more wolves.

Originally, there were still several real estate companies to compete, and Zhou Hexuan was also prepared to compete fairly and spend money to sell the land.

But he was warned yesterday that he was told to be sensible and not to be greedy.

Chen Hao said in surprise, "Are these people going to surround the bid?"

Zhou Hexuan nodded: "Once we withdraw from the competition, the other participating companies will be bidding rigging companies, and they will definitely succeed."

"Who is this person and what can I do?"

Chen Hao's mind is very clear, this is the business of the two of them.

Zhou Hexuan was in charge of trading and contributed, so he also needs to contribute at critical moments.

Only in this way is it fair, and there is a reason to take the benefits that they deserve.

"This person is Wang Qiang, a gray-washed gray businessman who is well-known in the local area. His power is intertwined and he has contacts with the underworld."

Zhou Hexuan said distressedly: "Originally, this matter can be settled with Li Gubei, but after all, the business has nothing to do with him, and this kind of favor is not easy to get.

There are two directions to settle him down, and he has to say hello to someone in the official position.For example, Director Qi behind Shanshui Manor.Another example is Ouyang Qing, the vice president of the City Commercial Bank today, and her husband is the governor. "

Chen Hao couldn't help shaking his head, his head got dizzy when he heard it.

If you want to show someone in the official position, you also have to pay benefits or favors.

He hasn't gotten to that level of acquaintance with others yet, and it will take a lot of effort if he wants to invite him.

"Talk about another direction, how can you settle Wang Qiang?" Chen Hao asked.

(End of this chapter)