A genius tech empire

Bauhinia Clubhouse.

There is a relatively high-end restaurant around the Hi-tech Industrial Park. The environment here is elegant, the dishes are home-cooked, and the taste is good, so it is more popular with the high-income people here.

A corner in the garden of the clubhouse.

As soon as Teacher Su Qin sat down, Yang Congming immediately poured a cup of tea for her and another cup for himself.

"Teacher Su, thank you for your help so many times!"

"Don't be so polite." Teacher Su smiled.

Teacher Su took a sip of tea, looked around, and praised: "The environment here is pretty good!"

"Teacher likes it!"

With that, Yang Congming took out a delicate box and pushed it in front of Teacher Su.

"For you!"

"This……"

"Just an ordinary pen, not worth much." Yang Congming said casually.

In fact, this is a hero fountain pen, bought at a high price. This is the most suitable gift he has thought about for a long time to give the teacher. You can't give lipsticks or necklaces!

Su Qin had no choice but to accept it. She knew that this was Yang Congming's intention, and he would not feel at ease if she did not accept it.

Soon, the two finished ordering, and there was still some time before the dishes were served.

Yang Congming said: "Teacher, I invite you to dinner today, there is actually one more thing I want to ask you!"

"You said."

"That's it, I want to make an electric car, but the financial convenience seems not enough!"

"Looking for investors!" Su Qin naturally surprised.Unexpectedly, such a simple question would come out of this student who has already succeeded in starting a business.

"Looking for investors!?"

Yang Congming remembered that he was so stupid that he didn't have to use his own money to start a business. He still knew the truth.

In fact, he can't be blamed. His origin determines his vision. His habit is to make a penny and spend a penny, never borrowing from outside, let alone financing.

"Start-ups can find angel investors if they have no money, and then raise funds, such as round a, round b, round c, etc.! If you can find bank loans with personal credit or current company assets, it is also a good way. Of course reality China Financing certainly has more than the above two methods. There are many methods. It depends on how you choose. Is it a single item? Or a combination of multiple? It can be..."

After Mr. Su Qin’s explanation, Yang Congming opened his eyes. There are far more financing channels than he thought. You can crowdfund and even issue bonds.

And I have a deeper understanding of financing, and know the advantages and disadvantages of various financing.

The advantage of finding a bank loan is that it is more formal. The loan interest rate is generally 20% to 40% higher than the PBOC’s benchmark interest rate; and after the loan expires, if business difficulties or other force majeure factors make it difficult to repay the loan, you can apply for an extension to Postpone the loan repayment period.

The disadvantage is that bank loans require collateral, and a lot of materials need to be prepared, which is troublesome; and it takes a long time and requires a loan time.Bank review is very strict, and the efficiency is not high. Sometimes a loan is approved, as long as half a month, as long as one month or even several months, which will make business opportunities fleeting.

When looking for financing from an investment institution, although the company may not have a repayment period or pressure to repay the loan, and the loan amount is often large; however, the use of funds often lacks independence, and the use of funds is subject to strict investment supervision and even control; and There is also a lack of complete financial freedom, because the profit and loss before the purchase of the project needs to be borne by both parties, and the investment institution may send financial personnel or supervisors to supervise it, and the relevant financial statements must be submitted to the investment institution on time.

In fact, the profit of using the brain to control the mouse, save a little bit, can still support him to make an electric car.

But what he wants to do is not an ordinary electric car, he wants to do the best electric car.

The mileage is longer than others, the acceleration time of 100 meters is shorter than others, the design is better than others, the charging speed is faster than others, and the driverless driving is required. Then his money is not enough to burn. These are not short steps. What can be achieved requires a step-by-step version. He has made a decision to lose money for a long time. Of course, these cannot be told to investors.

Besides, he has other plans.

Soon, the meal was over, and Yang Congming knew about the issue of corporate financing.

"Thank you, teacher, for explaining so much for me!"

"Smart, you are too polite," Teacher Su Qin hesitated.

"Teacher, if you have any questions, just say it!"

"The teacher said, that's the case. I hope your company can cooperate with the school’s maker base. Of course, I don’t force it. If there are any projects, the maker base can do it. Under the same conditions, I hope you can give priority. think about it."

"No problem, it's my honor to be able to help the school." Yang Congming said without hesitation, helping the school is actually helping himself, and the school is actually a very important source of connections for students.

He wasn't just talking about it. After thinking about it, he said again: "Tomorrow, I'll be fine tomorrow, I'll take a look."

Teacher Su Qin likes Yang Congming's attitude very much, and she smiles softly: "Then trouble you!"

Send the teacher home and return to his own home. Before he had time to take a bath, the phone rang, Yang Congming pressed the answer, and a clear voice was heard immediately.

"Brother, I filled out the volunteers. Guess what volunteers I filled in?"

"I know what you want to fill in." Yang Congming said helplessly.

Her sister is good at everything, but she is too independent, and she doesn't even consult him about such important life events as volunteers.

"At least you guessed it!"

"Don't guess!"

"Huh, boring guy!"

Yang Congming could already think of her mouth with an oil bottle.

After asking for no interest, she finally said the answer he wanted to know.

"Such a big computer engineering, are you surprised? Are you surprised?"

It turns out that he should have guessed that although his sister is independent, she likes to follow in his footsteps. She has taught her computer and she likes it.

"No surprise, no surprise!" Yang Congming said lightly, suppressing the joy in his heart.

"Oh! Grandma, he bullied me!"

"I didn't bully you."

"Just bullied!"

"No bullying."

"Just bully!"

During the fight, the mobile phone came to grandma's hand.

"Smart, I heard that your company is next to the school. You have to take good care of Xiao Yu. Your parents died early. You two must love each other, you know?"

"Huh, who wants him to take care of?"

While grandma spoke, there was a murmur of dissatisfaction.

"Of course, she is my sister, I don't take care of her, who will take care of her?" Yang Congming smiled.

"Grandma, how are you doing?"

"Fortunately, sometimes it rains and my knee hurts."

Grandma, this is old rheumatism. There is no good way to treat it. You can only soak some ginger water or apply some analgesic cream to relieve the pain.

"Is the medicine still available?" Yang Congming asked.

"One more point, but it's almost running out."

"Then I will buy some and send it back to you the other day."