After the flash marriage, I was spoiled by the billionaire president

Su Xiangwan went to three or four banks in a row.

At the beginning, banks were very enthusiastic about customers who came for loans, because all banks knew that this was tantamount to sending business to the bank.

But these banks would not let Su Xiangwan just take the money away for nothing, so the banks needed to ask Su Xiangwan to provide collateral.

"I can mortgage our lab's equipment."

"The projects currently running in our laboratory can also be mortgaged, and some projects can be put into production immediately."

Su Xiangwan thought this was enough, but the bank's business staff did not approve of this method.

Because there are loopholes in it.The project of the laboratory is used as collateral, and there are too many uncertainties in it.

In case the project ends in failure, the bank cannot afford such a loss.

This is even more unfeasible if production equipment is used as collateral.

Because as long as there is a delay in the loan, it is very difficult for the bank to auction off the production equipment on the grounds of seizing the production equipment.

Because the court will not support the seizure of production materials.

What's more, production equipment will depreciate as it is used.

Even if there is a problem with a certain part, it may cause the production equipment to be scrapped.

The bank does not know much about the production equipment of the laboratory, so the bank will not take this risk, and the bank has given a plan that they approve.

"You can mortgage the entire laboratory to our bank, so that we can issue loans to you."

"In addition to this method, the several methods you proposed are risky, so our bank will not approve such a loan."

"You can also ask other banks, those banks will not issue loans in this way."

Su Xiangwan was very disappointed when she heard this, because she refused to mortgage the laboratory.

Doing so will make the laboratory take great risks. If there is a problem in the future, all the research projects in the laboratory will be interrupted.

The economic losses incurred at this time are immeasurable.

Su Xiangwan went to several other banks, but the answers he got were all similar.

No bank is willing to pledge equipment as collateral, and no one is willing to pledge experimental projects as collateral.

On the contrary, some banks also put forward the same conditions as the previous banks.

Su Xiangwan could only return to the laboratory and discuss another pre-selection plan with everyone.

This plan was considered by Su Xiangwan before, but she didn't want to use it until the last moment.

"Everyone, since we have no funds and the bank refuses to give us a loan, we can only operate as a joint-stock company."

"In this way, we can attract some people who have funds but don't know how to put the funds into business, to invest in our laboratory."

"In this way, the final result is to solve our current difficulties, but a part of the laboratory's profits will be allocated."

Su Xiangwan talked about the disadvantages and advantages of this.

She believes that the biggest disadvantage is that if others get involved, the benefits will be divided up.

Moreover, it is very likely that in the process of participating in the joint-stock system, there are many decisions that everyone can directly make decisions on, which need to be discussed by major shareholders.

But this can also be decided through the shareholders' bidding documents so that these shareholders will not participate in the company's decision-making.

Only participate in the company's dividends, thus avoiding this disadvantage.

But they have to bear another risk, that is, some shareholders may withdraw their invested funds at any time.

Although it can be bound in the contract, there may be such hidden dangers every year.

"This hidden danger can also be solved, as long as we can make a quick profit, and then when shareholders withdraw, we can invest ourselves, and we can also find new shareholders."

"Because of a profitable business, even if someone wants to embezzle funds to do other things because of financial difficulties, there will still be people entering this circle."

Su Xiangwan expressed his thoughts, and everyone nodded, but they also raised concerns.

That is, everyone does not have any experience in the joint-stock system.

"We believe that Professor Su will definitely consider all of us."

"We are willing to accept this method. After all, there is no better way than this method."

After the employee finished speaking, other employees stood up, and he also supported Su Xiangwan's approach.

After all, the construction of a new laboratory has been agreed by everyone, and the plan has already been released.

It would be a pity to give up now.

As long as the funds can be resolved, and then there can be clear responsibilities and obligations, they think it is feasible.

"Professor Su, just go ahead and do it, we all believe in you!"

"We know that you will think for the common good of all of us."

Thomas said what was in his mind, and everyone nodded in agreement.

Su Xiangwan saw that everyone was willing to believe in herself, so she decided to go back and make related plans, and she told everyone.

"After the plan is made, we will implement it according to the plan, and there must be advertisements in the early stage."

"All of you can comment before the ad goes out, and then we finalize the proposal."

"But the advertising campaign started, which means we can't make changes anymore."

Everyone nodded and knew that once the publicity started, changes were made at any time, which was tantamount to a loss of the laboratory's reputation.

When Su Xiangwan returned home, he continued to work again.

At the beginning, Huo Sinian didn't realize that she was making other plans.

Instead, after finishing the work at hand, he was very surprised to see that Su Xiangwan hadn't rested yet.

So, Huo Sinian entered the study, and only then did he know what Su Xiangwan was doing.

"You, keep everything in your heart, tell me, the two of us can bear it together."

"Come and see your plan."

Huo Sinian took the initiative to bring Su Xiangwan's plan, and after seeing the content on it, he said what he thought in his heart without hesitation.

Through his own suggestion, Su Xiangwan was urged to come up with the plan as soon as possible.

"You see, in terms of constraints, if the changes are made as I said, then the laboratory will take the initiative."

"I think it is possible to continue to add clauses here to limit the obligations and powers of both parties."

Huo Sinian continued to talk about his suggestions, and Su Xiangwan directly revised the proposal.