Consumer God

Chapter 227

Liu Minghao was very happy.

Make money, not shabby.

But he is not just happy for the little money in front of him.

"You know? I'm very pleased that you can make up your mind and act decisively."

Liu Dalu sighed with emotion, and inexplicably began to envy Pan Shengwu.

What a dog!
My daughter went to such a rubbish university to dawdle, she fell in love with anyone casually, and she actually dug out such a treasure, it's too ridiculous...

Could it be that keeping feng shui fish really works?

The more Liu Minghao dealt with Han Lie, the more unbalanced his mentality became, and now he finally started to guess in terms of metaphysics, which shows how scary hanging B Lie is.

The price increase was originally a proposal prepared by Liu Minghao to Han Lie.

At first, he was afraid that Han Lie would stick to some principle, that he would not be able to embarrass the young man, that he would not realize the necessity of raising the price, or that he would not be able to make up his mind.

But in fact...

All the worries were nothing but worrying, Han Lie was sharper, more decisive, and more ruthless than he expected.

In the adult world, "cruel" is never a derogatory term.

"Loveless and ungrateful" is the big problem.

Doing business, politics, and mixed careers are essentially competing with others and climbing upwards.

There are only so many opportunities and positions. If you give in kindly and politely, if your salary does not increase, you will lose your power. When your parents are seriously ill and your family has no money, will someone help you for nothing?

Parents, wives, and children regard you as the sky. If you are a soldier, you should put your country first. If you are just a commoner, shouldn't you take care of your family?
So what exactly is a man's sense of responsibility?

Externally aggressive, resourceful and daring to fight, internally filial to parents, and educate future generations with heart.

By extension, what kind of man is a good leader?
He is ruthless externally, but kind and fair internally.

You don't have the wisdom, skills, and courage to open up and plunder, and the team attached to you has no future, so how can you trust you?How could he devote himself wholeheartedly to the team?

The "Management" of all the colleges and universities in the world has not taught students the real core of management.

In fact, the ancestor's dragon slaying technique has already been explained clearly, just four words——

The outer king is the inner saint.

The essence of Waiwang is very simple, open up, enterprising, and plunder externally, use interests to cover up conflicts, and maintain class flow and team vitality.

The inner sage is distribution, welfare, and security.

The reason why the Great Qin Empire died in the second generation was precisely because the Qin law was strict and the king outside was tough inside.

In the period of rapid development, all contradictions can be temporarily eased and hidden underwater.

But once the foreign conquest stops, the speed of development slows down, and the contradictions of unfair distribution, biased welfare, and lack of protection of people's livelihood will immediately intensify.

In contrast, the practice of a certain era in later generations is much better.

Stop it.

Then, how should the true meaning of the outer king and the inner sage be applied in modern society?

It's very simple -

Lead the team to make cakes, if it has grown to the limit, grab others', lead everyone with prospects, restrain everyone with rules, and ensure everyone's interests with a fair distribution system.

Look, what's so difficult about being a department leader?

If you don't deal with finances, find an opportunity to fight finances; if you don't deal with logistics, find an opportunity to fight logistics; the front-line departments go directly to colleagues.

How easy is it to establish an external enemy and form internal cohesion, dissenting from the division and isolation of those who obey the management, and performing their own duties under the management?
The only thing to note is the word "degree".

will not?

It doesn't matter, as long as you have the correct core idea, you can practice the specific methods slowly.

Managing a large company requires talent, vision, and spiritual core, and managing a dozen or so people is really not that difficult.

But if you really can't do it, then don't go too far on this road.

The ending is not necessarily better than lying flat.

……

For Liu Minghao, the biggest gain today is seeing Han Lie's "outside king" side.

Whether the allocation is meaningful enough can be seen later.

But Han Lie dared to attack Gu Yong. He was both sensitive and courageous, mature and courageous.

Don't think it's easy.

Liu Minghao investigated Gu Yong for two full days, and after careful consideration and confirmation, he made a rip-off decision.

But Han Lie only chatted with Liu Minghao a few times?
With just three or five questions, he immediately judged that Gu Yong had to endure the price increase, was able to accept the price increase, and then decided to raise the price decisively. Such agility and ruthlessness, how does he look like a 20-year-old young man?
Liu Minghao's career has reached its peak.

Next, either open a new track, or rest on the laurels, or retire to enjoy life-there are only three ways.

Liu Minghao was unwilling to choose the next two roads.

To open a new road, there is neither energy nor professional ability.

How to do? !

Can only turn to investment.

The vast majority of angel investors in China actually come from this way.

My own road has been broken, rich, powerful and well-connected, but I don’t have the energy and energy to open a new road, so I look for those start-up projects everywhere.

Projects in their infancy, ideas, ideas, technologies, and models are all bullshit and worthless.

Really valuable leader and team.

Therefore, regardless of international or domestic, only the financing after the B round will examine the business model of the project itself. The angel round and the A round are basically for people.

So, what kind of people are worth investing in?

This is a university question, difficult to learn and even more difficult to master.

Before today, Liu Minghao had no clear concept.

However, from today onwards, the standard answer is two words - Han Lie.

I will tie you up to death from now on!

Give what you want, go all out!
Thinking of this, Liu Minghao became more and more intimate and enthusiastic towards Han Lie, pouring out his heart and soul.

"18% is just right, the card is very delicate.

No matter how easy it is to push Gu Yong into a hurry, if he goes all out to find the Shenzhen City team, it will be in vain.

No matter how low we earn too little, it is tantamount to subsidizing him with our own resources, which is too boring.

Gu Yong is not a handy person, we don't want favors this time, we only ask for money.

Teacher Han, don't show up in the early stage, and it's best not to answer Gu Yong's phone call. I will do the evil things of extortion.

Take the time to find Mr. Pan and Mr. Dou and ask about the cost of the money. "

This is not just flattery, but also took the initiative to take on the most offensive work for Han Lie.

25% of 3 billion is really not a small number.

It is equivalent to biting off 7500 million more from Gu Yong in one breath, and everyone will feel distressed and scold their mothers.

Han Lie is not afraid, but there is no need to offend people like this at a young age. If it is spread out, it will somewhat affect his reputation.

Liu Minghao took the initiative to take the blame, which was too worry-free.

"it is good."

Han Lie nodded gratefully, pondered for a moment, and took out his phone.

"Let me ask Mr. Dou first, the money from state-owned enterprises is more convenient."

When the phone was connected, Lao Dou simply asked the reason, and couldn't wait to come over: "You guys are waiting for me at school, let's talk face to face."

Lao Zhang arranged a table in the small restaurant on the third floor of the cafeteria. Lao Dou rushed there with his deputy director of the big bear young woman office, and continued to chat privately after a brief lunch.

When they went downstairs, Zhou Ci and others who saw this scene shrank their necks and slipped aside, for fear of being noticed by Brother Lie.

The rest of the students talked a lot, and they had a deeper understanding of Brother Lie's cards.

Back in the office, Lao Dou directly asked the key point: "Is there any problem with the policy?"

"No."

Han Lie shook his head resolutely, and then used Lao Zhang's computer and printer to type out all the current documents.

"Now the China Banking Regulatory Commission does not encourage banks to extend credit to the real estate industry, which is the root cause of the large-scale loan cut-off in the real estate industry this year.

But in essence, what needs to be cleaned up is a mess of irregularities, and there is no sign of a one-size-fits-all approach to normal business.

What we are doing is a formal trust project, with sufficient collateral, a reasonable repayment mechanism, and perfect guarantee.

You SAIC can invest idle funds in trusts, right? "

"Yes, we bought a lot of government bonds and AAA-rated local corporate bonds."

After Lao Dou gave the exact answer, he frowned again.

"However, we may not be able to spend 25 billion in cash now. The money in the account is all within the budget, and there are not so many idle funds."

"Simple!"

Han Lie couldn't help laughing: "Go to the bank and ask for it!"

"what?"

Lao Dou didn't care about this aspect of his business, he was stunned for a while: "The loan is for this?"

"Correct!"

Han Lie nodded heavily, smiling slightly mockingly.

"The so-called tightening of money by banks is not that they have no money, but that they are unwilling to lend to risky small and medium-sized enterprises.

But you SAIC is different, the bank is begging you to borrow money.

I guess, if you borrow for two years, you should be able to get a very low interest rate, about 3%?
It will not exceed 4% at most.

At that time, seamlessly invest in this project, get a return of 6% to 6.5%, and get 1.5 million interest for nothing in two years, which is not a big deal for SAIC as a whole, but it should be considered good for the leaders in charge of investment. your grades? "

Lao Dou's spirit suddenly lifted.

"Then if we cancel the original government bond investment plan and free up 25 billion yuan, can we directly get a 6.5% risk-free full return?"

"of course can."

Lao Dou's excitement was fleeting, and he was still a little worried: "Then what if the completed house can't be sold? We can't take in a bunch of houses, can we?"

When it came to taking over the house, Han Lie's heart suddenly moved, and he hurriedly turned his head to look at Liu Minghao.

"Liu Lu, when will the pre-sale of the Mingdu project start?"

Liu Minghao calculated the time and guessed: "Assuming our money is in place in March next year, then Gu Yong can start pre-sale at the end of the year at the earliest, but around the New Year is the off-season, so it should be opened after March 3. Wouldn't it be better to delay until May Day?"

Opened in 15 years? !

Han Lie's pupils shrank suddenly, and his heart was beating wildly.

Could it be that the Mingdu project was prepared for me? !

Han Lie's excitement had good reasons.

The downturn in the property market in 13 and 14 was a normal adjustment caused by policy and destocking pressure.

However, from January to August in 15, the bleakness and distress of the entire real estate industry is an abnormal state.

Because the whole people speculate in stocks, many people sell their houses and enter the market, but very few investors come out to buy houses!
Of course, rigid demand will not be affected, but the purchase of houses for investment has been suppressed, and the purchase of houses for improvement has also been dragged behind.

Therefore, the overall recovery of the real estate industry started with the stock market crash, and then reached the first peak in 16. After a little consolidation and digestion, it rose all the way to 18.

Here lies a huge opportunity——

The opening time of the Mingdu project is at the most difficult node in the entire industry. There is a high probability that it will be cold and not sell many sets.

Then, when the time comes, the investor will have the right to take over the entire Mingdu project in accordance with the contract.

The investor is SAIC, SAIC doesn't want it, Han Lie wants it!
The contract is evaluated according to the current house price. The project with a total area of ​​15 square meters has an average price of about 3 yuan, a valuation of just over 40 billion yuan, and a mortgage of 25 billion yuan.

Take over before August 2015, and wait until the second half of 8 to start selling. The average price can reach almost 2016. Good guy, the total price is 6 billion!
What is called a wave of fat riding a horse? !
This is!
If you want to make more than 60 billion profits in the market by relying on technology, you have to make the principal to 60 billion first, and then double it, which is quite embarrassing.

As for how to get the property into your own hands...it's simple.

Han Lie stabilized his emotions, and in the blink of an eye, he came up with a win-win solution.

"Mr. Dou, I can add another layer of special protection when designing the project structure.

Let me briefly explain to you - if the Minggu company can't come up with cash at that time, then an intermediary agency will take over the Mingdu project, and then immediately transfer the 25 billion principal and interest to your account.

As for how the intermediary agency sells the house, that is their business, which can absolutely guarantee the safety of your funds. "

This is not fooling around, Mr. Lie does what he says.

"It's okay? That would be great!"

Dou Mingde was overjoyed, his interest in the Mingdu project was finally strong enough to be visible to the naked eye.

"If the contract is signed exactly as you said, then I can guarantee that SAIC is willing to pay the money, and the return will be 6.5%. Lao Xing is tossing and tossing every day, how many government bonds can we buy to make such a high return? what?"

OK, the cost of capital is determined, up to 6.5%.

The bank's custody fee is 1%.

The channel fee of a brokerage depends on how it is negotiated, and 0.5% should be almost enough.

The trust's management fee is 2%.

Law firms, accounting firms, evaluation agencies, a total of 1.2%.

The place where the flowers should be spent is spent, and the province is saved by another province. The whole project can be easily controlled below 12%. Then Gu Yong can get 18%, and Han Lie can get a full 6%.

1.5 billion!
Well, take it easy, little money, little money~~~
Han Lie didn't intend to hold all the intermediary profits in his own hands, he planned to allocate another 5% to Pan Zi.

why?

Ask Pan Zi to be the security agency that covers the bottom line.

Then secretly sign an agreement to clarify the ownership of the project and the nature of the use of the 25 billion pocket funds.

If Pan Zi is willing to believe him, then he will work together to do big things, and then share the proceeds from selling the house equally.

If Pan Zi has concerns, it will be regarded as a mortgage loan. Later, Han Lie will deal with the house slowly by himself, and in addition, he will give the father-in-law 15% interest on the loan.

In short, Pan Zi will definitely not lose money, but Han Lie will make money no matter what.

The cheap old man should agree, right?
No, not should, is sure!

Han Lie will definitely fool and lame him!

If Pan Zi really dares to accompany Han Lie crazy, and finally earns 30 billion as a dowry for Pan Ge, good guy, how high is my brother Lie's family status in society?
Once the couple quarreled, Xiao Shoupan went back to her natal home angrily, but her parents scolded her together.

"Han Lie is such a good husband, you don't know how to cherish it, alas, your mother and I have spoiled you..."

"Xiao Han worked hard outside, and made some mistakes that every man would make. What's the matter! My dear girl, it's your fault."

"Don't hang around at our house, go back to your own house and apologize to Han Lie. Remember, be sincere!"

"Before the grandson was born, our family didn't welcome you very much. Don't come back next time."

Pan Ge: (⊙⊙)! ! !

Are you two my real parents? !

Han Lie almost couldn't hold back his laughter when he thought of Pan Ge's unbelievably beeping expression on the verge of collapse.

This is not an illogical fantasy, but a very likely fact.

As long as the money can be obtained smoothly and divided equally, what father-in-law, mother-in-law, Uncle Pan, Aunt Zhao, it's Pan Zi and Annie!
Exaggerated?
It's not an exaggeration.

This is a once-in-a-lifetime opportunity formed by the right time, place and people.

However, Han Lie would not dare to think about such a beautiful event if the time was pushed back half a year.

After half a year, Han Lie will definitely not be short of money, and he will be able to cover the bottom line, but the time window is not here, it is impossible for other people's projects to be cold, and the supply will be in short supply.

Only now, everything is just right.

Han Lie immediately made up his mind - I'm sorry, Mr. Gu, I'm sure of you!
As for the two shareholders behind Mr. Gu...

It doesn't matter.Not a problem at all.

Because Han Lie didn't play any tricks behind his back, everything was done according to the contract, fair and open.

Am I cheating anyone?

No.

If you have the ability, you can sell all the houses during the market cooling period and get enough cash back.

Or, on the premise that there is not enough collateral, where to temporarily borrow 29 billion to repay the principal and interest.

If you really can do it, Brother Lie, I admit it.

But if it can't be done...

It was a crash caused by the market environment at the wrong time, no wonder anyone.

God punish you, God give me!

In his previous life, Han Lie had heard of this kind of thing, but had never really seen it.

Now, he is going to set up a tens of billions killing game with his own hands.

Damn Jill, this is so exciting...

Although his heart was beating wildly with excitement, Han Lie didn't mention a single word to Liu Minghao and Dou Mingde, his demeanor, tone of voice and smile were as usual.

Before the whole matter was settled, he only allowed Pan Zi to know the inside story.

"Liu Lu, remember to help me apply for a fund company."

Han Lie even reminded Liu Minghao with a smile, talking about irrelevant things freely.

"After the Mingdu project is settled, the market should come to an end."

Lao Dou was very curious: "Then we will do nothing recently, completely empty positions?"

Han Lie nodded: "The end of the year is the financial settlement period of each company. The stock funds in the market are already small, and many of them have to be returned. This kind of tasteless market is worthless."

Liu Minghao understood, and urged Han Lie: "Then don't be idle, just finish the project proposal, and after New Year's Day, I will talk to brokers and trustees."

"Well, wish us all the best!"

Han Lie stretched out his right hand, spread it out, and laid it flat.

Liu Minghao and Dou Mingde patted each other one by one. The former smiled relaxedly, while the latter was full of fighting spirit.

They all believed that there was no reason for the project to fail.

But they couldn't imagine what kind of storm was brewing in the heart of the young man in front of them.

Every era has its legends.

Why can't it be me?

Han Lie stood in front of the window of the principal's office with his hands behind his back, looking at his peers downstairs who were laughing and playing, his heart was surging and he couldn't calm down for a long time.

*****
(End of this chapter)