Chapter 110 After Ten Years of Bank Lending, the Scalper Team Came to Apologize

After taking all the materials and certificates, Fan Zhenhua quickly held an emergency bank meeting to calculate the value of the collateral.

at the same time.

He also asked for instructions from the Imperial Capital Headquarters.

Discuss how much money can be borrowed for 200,000 square meters of wasteland mortgage.

While the commercial bank was calculating the total value of wasteland, Chen Xing was sitting in the president's office, drinking tea leisurely.

The value of 200,000 square meters of wasteland is not calculated based on the land value, but based on the value after completion.

In addition to submitting the corresponding documents, Chen Xing also provided the base planning map.

If it is built according to the plans planned by the Fan brothers, the final investment will definitely be one billion, and may even exceed 1.3 billion. After all, this is not a simple headquarters base, it is an ecological park, including businesses and hospitals.

In addition to the value of the wasteland itself, Chen Xing himself and Longxing Technology Company also have corresponding values.

Banks know how to look at people's orders.

They not only have to consider the value of wasteland, but also the development potential of Longxing Technology Company, evaluate Chen Xing's assets, and calculate the patent value of Star Flash Charge and Qingzhou chips.

To put it simply, banks are really not afraid of companies not paying back the money.

Even if the money is really not paid yet, it is very rare for a bank to lose money if it should be frozen, sealed, or auctioned.

In addition to bank mortgage loans, Chen Xing actually has two options.

One is to let investment institutions enter the market.

With the current development potential of Longxing Technology, it is a big fat sheep in the eyes of venture capital institutions.

Star Flash fast charging, Kaitian baseband chip, and 14nm Qingzhou processor are enough for them to go crazy.

Not to mention there are sub-brands such as Longxing series and brilliant series, which are all subsidiaries with brand value.

Once Chen Xing opens his mouth and says that venture capital institutions are allowed to enter the market, it goes without saying that a large number of "hungry wolves" will definitely come to the door and want to carve up the equity of Longxing Technology.

Venture capital institutions are not stupid, and they are not as wealthy as banks. They often use company equity in exchange for funds.

As for the second way, that is to go public.

Once the company is listed, it means financing to all the public, and all investors can become shareholders of Longxing Technology and become a public company.

Going public is often accompanied by risks.

Power evasion, corporate power seizure, and restricted decision-making will basically occur in listed companies.

Longxing Technology has been able to develop steadily not only because of its excellent patented technology, but also because it had an absolute control of 67% at the beginning. This equity can make other shareholders think nothing of it.

You can make suggestions, whether I accept them or not, that’s my business!

this! That’s 67% equity!

Now that Chen Xing has recovered all his shares and controls 100% of Longxing Technology, it is impossible for him to delegate power and let others intervene in the company's development unless it is absolutely necessary.

So he chose the path of bank mortgage lending without even thinking about it.

…

Within the commercial bank, after half an hour of intense discussion, Fan Zhenhua walked into the office with documents in hand.

"Mr. Chen, you've been waiting for a long time." He sat down with a smile, handed a document to Chen Xing and said, "How about this quota?"

Chen Xing nodded slightly, picked up the document and looked at it carefully.

After ignoring most of the terms, he found the final loan limit, which was a total of 1.5 billion. The annualized interest rate and loan cycle areas were still blank.

"The quota of 1.5 billion is the result we derived based on the total value of the wasteland built and the potential of Longxing Technology. Of course, if Mr. Chen is not satisfied, we can discuss it again."

Fan Zhenhua said with a smile.

Hearing that they might talk about it again, Chen Xing was not polite and asked down the line: "You mean there is a higher loan limit?"

Fan Zhenhua smiled, his eyes cunning like an old fox, nodded and said: "If Mr. Chen can use the patent of Star Flash Charge as collateral, the vice president of our headquarters has said that there is room for the loan amount to increase. "

The Star Flash fast charging patent turns out to be for this purpose.

Is it possible for Chen Xing to agree?

Naturally, it is impossible to mortgage.

Not to mention that he doesn't need so much money, even if he does, he will not use the patent as a mortgage. This is the foundation of his foundation. It is impossible to mortgage the patented technology unless it is desperate.

Chen Xing smiled faintly, shook his head and refused: "1.5 billion is enough. Let's talk about the annualized interest rate and loan cycle."

"OK."

Fan Zhenhua didn't have high expectations either. He moved next to Chen Xing and continued to ask, "How long does Mr. Chen want to borrow for?"

"Ten years."

Chen Xing said without thinking.

The longer the bank loan, the better. The repayment pressure does not need to be so great, and it can beat inflation.

"In ten years, we can offer an interest rate of 5.5%. What do you think?" Fan Zhenhua said with a smile.

Chen Xing immediately showed his displeasure and asked: "Is the annualized interest rate of 5.5% what a large loan should have?"

Just after he finished speaking, he added: "The bank across the street is not that outrageous. President Fan can't stop joking."

Although Chen Xing's tone was gentle and there was a faint smile, every word was highly negotiable.

The words "that bank across the street" tell Fan Zhenhua that commercial banks are not the only ones, and there are many banks that can replace it.

"Ha ha!"

Fan Zhenhua laughed awkwardly and said quickly: "It's just a joke, Mr. Chen, don't take it seriously. In fact, we can give you 4.5%. This is definitely the lowest interest rate for large loans in Shenzhen City and even Longguo. "

He didn't have time to verify Chen Xing's words, because the initiative was not in his hands.

They came with 200,000 square meters of land and the endorsement of Longxing Technology Company. Even if commercial banks did not lend, many banks rushed to give Chen Xing a loan.

There are collaterals and profitable companies with extremely high net assets. How can a bank that specializes in looking at people's orders not know how to do it?

"How much do you pay every month?"

Chen Xing looked at the computer on the desktop and said.

Fan Zhenhua also understood what Chen Xing meant and quickly calculated: "Assuming that P is equal to the loan amount, M represents the monthly repayment, and is calculated according to the equal principal and interest repayment method, we fit in the formula M = P×[r/(1 -(1 + r)^(-n))], r is the monthly interest rate, n is the total month..."

After a lot of calculations, he calculated the monthly repayment amount and said: "You need to repay 15.55 million yuan every month. Of course, you can also pay it annually. In one year, you will repay 186 million yuan. What do you think, Mr. Chen?"

After Fan Zhenhua's calculations, Chen Xing also knew how much interest he needed to pay.

For a 1.5 billion loan in ten years, 1.86 billion will be repaid, which is equivalent to a total of 360 million in ten years.

From September to December, Longxing Technology's revenue exceeded 800 million. If development investment is included, it earned at least 1.4 billion. Chen Xing can still afford this interest.

The key is ten years, and as long as this period of time passes, Longxing Technology and Loongson International form a rivalry, and the localization of semiconductor chips will be closer and closer.

If chips are domestically produced, the market will be worth trillions.

"Okay, when will the loan be released?"

Chen Xing expressed his willingness to cooperate.

Fan Zhenhua was so happy that he couldn't hold back the corners of his mouth. He smiled quickly and said: "In seven working days, fifteen working days at the latest, the money will be transferred to your company account."

"Okay, let's draft the contract."

Chen Xing nodded.

Fan Zhenhua had no ink, so he immediately called his lawyer. At the same time, Chen Xing also called his lawyer to check if there were any flaws in the contract.

After confirmation by the lawyers of both parties and reconfirmation by Chen Xing and Fan Zhenhua, the two parties also officially signed the contract.

"It's a pleasure to work with you, Mr. Chen."

Fan Zhenhua is already happy because this year's performance appraisal has been overfulfilled.

As soon as he finished speaking, he immediately walked to the door and shouted towards the lobby manager's office: "Aqiang, go get some 5,000 yuan gas cards for Mr. Chen, and some more shopping cards."

Whether it is a large deposit or a large loan, banks will give gifts.

It can be as small as peanut oil and rice, as large as gas shopping cards, and even TVs and laptops are given away, just to attract more customers to make large deposits or loans.

"Okay, President."

Not a moment.

The lobby manager quickly brought gas cards and shopping cards.

Chen Xing did not refuse. He was about to pay hundreds of millions in interest. He deserved these gas cards and shopping cards!

…

After leaving Shencheng Commercial Bank and getting a loan line of 1.5 billion, Chen Xing could feel relieved a little.

Money is a man's confidence. Without money, nothing can be done. This is the importance of primitive accumulation.

"The sky is blue and waiting for misty rain~"

As soon as Chen Xing got into the car and fastened his seat belt, his cell phone in his pocket suddenly rang. He took it out to check the notes in his address book. It was the call from the company's front desk girl.

"What's up?"

He pressed the answer button.

The girl at the front desk: "President, some young people have come to the company. They say they are scalpers and want to talk to you."

"Young young scalper?"

Under Mi Xiang's pressure these two days, Chen Xing had forgotten about this.

He also roughly guessed what these scalpers wanted from him, and replied calmly: "Let them wait, I will be back soon."

Half an hour later.

Chen Xing returned to Longxing Technology Company.

When he walked into the front lobby, he saw the leader Hu Xiong at a glance. He was the older of these young men.

"Chen...Mr. Chen."

Hu Xiong trembled, his eyes evasive.

He was a scalper who made money by buying the Longxing X1 at a low price and selling it at a high price. He also set his sights on the brilliant X1 mobile phone and wanted to do the same thing, but was rejected by others.

It's really a bit too bold to dare to come to Longxing Technology Headquarters now.

"Aren't you afraid that I'll call the police and arrest you?"

Chen Xing smiled lightly.

"well!"

Hu Xiong sighed, shook his head and said, "With Mr. Chen's style of doing things, it probably won't happen. Even if it does, I'll admit it."

He is now desperate. The brilliant X1 mobile phone was smashed in his hand. In the past few days, he has only sold more than 100 units through various channels, and he has also been extorted by merchants.

Two days ago.

Hu Xiong thought he had found a sales channel, and the store owner agreed to sell the goods for him at a price of 4,500 yuan.

Unexpectedly, after confirming that it was a genuine brilliant X1 phone, the store owner had malicious intentions and directly lowered the price to 2,500 yuan per unit.

2,500 yuan per unit, Hu Xiong definitely disagreed. As a result, the store owner immediately turned his back and threatened that this was the fake phone that Longxing Technology’s official blog said in the official blog. They were the team that sold fake products, and they wanted to call the police and arrest him and send him to jail. .

obviously.

The shop owner saw that he was a scalper.

Buying and selling in Dragon Country is illegal. Although it is not punishable by law, according to the "Dragon Country Price Law" it is clearly stipulated that illegal gains from buying, selling and manipulating the market will be confiscated.

Each unit costs 2,500 yuan, and each unit will cost almost 3,500 yuan. Hu Xiong thought about it all night and made a choice. He thought about losing money to avoid disasters. Unexpectedly, the store owner saw that he was easy to handle and lowered the price to 2,000 yuan. If it worked, Just help sell it. If it doesn't work, notify Longxing Technology's legal department and call the police. He has Hu Xiong's identity information.

In desperation, Hu Xiong could only think of going to the house to admit his mistake.

"Go up and talk."

Chen Xing also became interested.

This group of scalpers was different from what he expected. They were all young people, and there was even a very sick dwarf.

Just as he was thinking about it, a blue panel flashed before his eyes.

【Name】: Jiang Ce

[Type]: Network technical talents

[Qualification]: Gold (can grow)

[Character]: Introverted (because of his low self-esteem and introversion, the Internet is everything to him, and network technology has improved significantly)

[Main areas of focus]: Computer network technology, software design, virus writing...

【Loyalty】: 0

[Monthly salary]: 0

[Special entry]: Not activated yet

[Special condition]: ALS (motor neuron disease). The cause of ALS is still unclear. The current life expectancy is only 20 days. Timely treatment is required in the hospital to slow down the speed of neuron disease. Complete cure plan: Implanted brain-computer interface to continuously activate motor neurons)

"!!"

The surprise in Chen Xing's eyes flashed away, and he continued to lead the way calmly, but there was already a storm in his heart.

Gold quality can grow, which shows that the little man who is less than 1.65 meters tall has the potential to become a red quality talent!

Network technology talents are still of golden quality.

No wonder he was able to place orders for the brilliant X1 mobile phones in batches. Chen Xing was a little doubtful whether he had any help in the Taowu.com server crash.

If there is……

Then this guy is a bit scary.

However, he only has 20 days left to live, and he doesn’t know how long the hospital can extend his life. If it can be delayed for a year and a half, maybe Longxing Technology’s brain-computer interface can really be implanted.

The upper limit of red-quality talents was in computer networking, and Chen Xing had already started thinking of taking him under his wing.

…

Come to the president's office.

Chen Xing also made them a pot of tea and sat down to talk slowly.

"Tell me what you think."

Without saying a word, Hu Xiong knelt down and quickly raised his voice several times: "Mr. Chen, we know we were wrong. We really shouldn't have pushed the envelope and put our idea into your brilliant X1 phone. Please let us go." Bar."

"Plop——"

"Plop——"

The four or five young people who arrived knelt in front of Chen Xing one by one and apologized constantly.

"That's wrong, Mr. Chen. We were really wrong. We were obsessed with it."

"Please let us go."

"Mr. Chen, please..."

Chen Xing sighed. These people looked to be only eighteen or nineteen years old. They must have paid a heavy price for the Mianciancan X1 mobile phone, otherwise they would never have so much money.

"Let's talk after we get up, there's no need."

The words just fell.

Hu Xiong took all the responsibilities, looked at Chen Xing and said, "Mr. Chen, we are really obsessed with it this time. We shouldn't be focusing on the brilliant X1 phone. Can you give us a solution and we can return the phone to you?"

"oh?"

Chen Xing was surprised and continued to emphasize: "Get up first and then talk. I don't like talking with my head down."

Several young people looked at each other, but it was the leader Hu Xiong who stood up before they dared to stand up. Now they are walking on thin ice.

Offline store owners want to call the police, Longxing Technology also said to call the police, and some people online also called the police. They are really like rats crossing the street, everyone wants to beat them up, and everyone wants to blackmail them.

Once caught, although there will be no sentencing, disrupting the market and confiscating illegal gains will be fatal enough.

For the purpose of Miaocannian .

If they could go to jail without having their illegal gains confiscated, they would be willing to go to jail, and they would still have money after serving the sentence.

Otherwise, in your early twenties, with millions of debts on your back, what hope would you have in life?

Do you expect your parents to pay you back?

If you have the ability, you can.

But if parents are unable to repay even a foreign debt of 500,000 yuan, how many years will it take an ordinary person to save food and drink before they can pay it off?