Rebirth 2004: I can make money by writing

“We can provide a credit line of up to 2 billion yuan for a two-year term.” Qiao Shan said a little embarrassedly, “The annual interest rate for the secured part is about 6.2%; for the unsecured part, the interest rate will be slightly higher, about 8.8%.”

This figure is the result of repeated discussions between Qiao Shan and his superiors.

They know that if they want to cooperate with a big customer like Hao Qiang, they can’t set too many limits.

Otherwise, other banks may take the lead.

As long as the principal can be safely recovered after two years, this business will be enough to make their performance shine.

“2 billion, it’s not a lot.” Hao Qiang acted calm after hearing this.

In fact, Hao Qiang was quite satisfied with this proposal.

Li Yunfeng, lying on the sofa chair, didn’t expect the bank president to be so humble to ask Hao Qiang for a loan.

It’s not that it’s difficult to find a bank loan, it seems that you have to look at the object.

But looking at Hao Qiang’s appearance, it is obvious that he is very satisfied with the loan amount of only 2 billion yuan.

My God, 2 billion yuan, about 100 on the national rich list.

But think about it, Brother Qiang’s wealth is already 10-20 billion yuan, and the wealth is growing very fast, it seems that 2 billion yuan is not much for him.

There are so many things that can be done with this 2 billion yuan.

“Mr. Hao, 2 billion yuan is not a small amount.”

“You are very generous to lend money to real estate companies.

Use the bank’s money to enclose land, and then the construction company helps to build the house with collateral. Before the house is built, it starts to sell the house, and collects part of the house payment from ordinary people, continues to acquire land, and repeats such loans.

The real estate situation is good only in the past few years. If there are unfinished projects or houses cannot be sold, your bank will have a lot of bad debts, and ordinary people will suffer in the end. I really don’t know what you think.” Hao Qiang is very unhappy with the operating model of real estate companies. He was once an ordinary person.

He was reborn, but he couldn’t change this situation.

Qiao Shan was embarrassed by what he said. In some cases, he was helpless.

“Mr. Hao seems to have a lot of complaints about real estate companies. Which boss offended you?”

“No one offended me. I just don’t like this kind of real estate company that takes advantage of loopholes to lend money. In the end, the people who buy houses suffer.” Hao Qiang said bluntly. He was unhappy with a certain boss, but he would not say it in front of Qiao Shan.

Qiao Shan said thoughtfully: “I will report the situation mentioned by Mr. Hao to the leader.

There are indeed unreasonable aspects in the loan issuance of some real estate companies.”

Hao Qiang responded earnestly: “As a friend, I am just reminding you in good faith.

Take my advice and be cautious.

The real estate situation will be good in the next few years, and maybe nothing will happen.

But there will always be a day of decline. Aren’t you afraid that your competitors will bring up old accounts?”

“Thank you for your advice. So, is this 2 billion loan credit settled?” Qiao Shan asked.

Hao Qiang nodded and agreed: “Well, I will ask the financial department to sort out the assets that can be mortgaged.”

Li Yunfeng, who was listening to the conversation between the two, was secretly surprised: I didn’t expect that the bank would take the initiative to lend money, and the loan of 2 billion yuan was easily negotiated.

After the negotiation, the three of them drank tea and chatted for a while, and then left the villa.

Hao Qiang drove out of the gate, Qiao Shan said goodbye here, and drove away alone.

On the way back to school, Li Yunfeng couldn’t help but ask, “Brother Qiang, is it really that easy to get a bank loan? You can easily get 2 billion yuan.”

Hao Qiang shook his head and explained, “It’s not that simple. Banks won’t take risks for no reason. You don’t know that when I started my business, I almost broke my legs running to the bank.”

Then, he specifically reminded, “If you enter the system in the future to be responsible for attracting investment, you must be especially wary of real estate companies and some seemingly glamorous companies. They often want to defraud banks and government funds under the guise of a cover.”

“Well, I’ve learned a lot. Thank you, Brother Qiang, for your guidance.” Li Yunfeng nodded thoughtfully.

Brother Qiang took him to appear in front of the school leaders, so he was able to join the school student union as vice president.

At the end of this semester, he retired, and he could no longer serve as a student union cadre in his senior year.

In November this year, he will take the selection examination.

985 fresh graduates, file clerks, and student cadres are all indispensable.

Not everyone can apply for the exam. After passing the exam, the most difficult part is the interview.

With the strong recommendation of the school leaders, he is basically sure.

If he is not hired, he plans to continue his postgraduate studies and then apply for the selected students.

Three days later,

Hao Qiang applied for a new bank loan with a maximum credit limit of 2 billion yuan, of which 500 million yuan is a mortgage loan.

He plans to invest the 2 billion yuan mainly in the upstream raw materials field of lithium batteries, especially the lithium resource sector which is easier to control..

Both ternary lithium batteries and lithium iron phosphate batteries use lithium resources as key raw materials.

The lithium resources of ternary lithium batteries are mainly lithium carbonate and lithium hydroxide, while the lithium resources of lithium iron phosphate are mainly lithium carbonate and lithium phosphate.

Among them, the use of lithium carbonate is very large.

About 0.8-1.2 kg of lithium carbonate is required for each kilowatt-hour battery capacity. If Galaxy New Energy Company wants to reach an annual production capacity of 5GWh, it will need about 5,000 tons of battery-grade lithium carbonate raw materials.

It is worth mentioning that lithium carbonate is used to synthesize positive electrode materials, and the main sources are salt lake brine and lithium ore;

Lithium hydroxide is used for the synthesis of high-nickel ternary materials, and the main source is lithium ore;

And lithium phosphate is used as an intermediate product to synthesize lithium iron phosphate, usually prepared from lithium carbonate.

The mining cost of salt lake brine is low, but the extraction process is slow. It is mainly distributed in South America and Qinghai, Tibet and other regions in China.

Hard rock lithium ore has a high grade and fast extraction speed, but the mining cost is relatively high. It is mainly distributed in Australia, China, Zimbabwe, Canada and other regions.

During this period, the electric vehicle market had not yet exploded on a large scale, and the price of battery-grade lithium carbonate was about three thousand US dollars per ton.

By around 2015, the price had climbed to US$7,000/ton.

After 2016, with the rapid growth of the electric vehicle market, the price of battery-grade lithium carbonate soared to US$20,000/ton.

In the following years, although the price fell slightly due to the substantial increase in production capacity, the price of lithium carbonate once broke through the high of US$80,000/ton, and then stabilized and maintained in the range of US$15,000-20,000/ton.

In less than ten years, just by hoarding finished lithium carbonate, you can achieve a return on investment of more than 10 times, which is no less than real estate investment.

Moreover, the demand for lithium carbonate is huge. In 2022, global consumption will reach 500,000 tons, with a market size of about 10 billion US dollars, which is easier to sell than a house.

In addition, battery-grade lithium carbonate has a very long shelf life. If it is well sealed and moisture-proof, it is not a problem to store it for more than five years.

Even if it expires, it can be recycled and re-refined, and the cost is not high.

It can be said that the risk of hoarding it is extremely low and it is easy to preserve.

Of course, if it is not developed, there is no shelf life problem.

However, Hao Qiang still needs to investigate the market situation to see if it is suitable for investment.

He had a plan to hoard raw materials before, but he did not carefully investigate the market situation, and he did not expect to suddenly get 2 billion yuan in loan funds.