My movie scared the global audience to tears

Lu Yuxiang is the vice president of the Chaolu District Branch of the Industrial and Commercial Bank of China and an acquaintance of Song Qi.

Miracle's corporate account was opened with him, and all the funds in the industrial and commercial accounts were also deposited in this bank.

As a district bank in the capital of Daxia, Chaolu District Branch is among the top banks in the country, with more than 10,000 major customer accounts in the bank.

Although Miracle has only opened the card for less than a year, he has already become a seven-star customer, the highest level in the branch.

In the eyes of ordinary people, the status of banks may be relatively high, but in fact, in the eyes of bankers, rich people are the boss.

During the holidays, bank business managers have to visit their major customers to ensure that the savings funds of major customers in the bank will not fluctuate too much.

A year ago, Lu Yuxiang had already visited Song Qi once with his business manager, and even gave Song Qi a cup of tea.

Because the end of the year is approaching, banks have to take stock of their accounts, and business managers also have to deal with assessment tasks.

In order for the annual report data to look good, the business manager's commission will not be affected. Under normal circumstances, banks will try their best to ensure that there will not be too much flow of customer funds before the end of the year.

That time, Song Qi gave Lu Yuxiang some face by deliberately delaying the payment for a few days, and also kept the commission of the account manager who dealt with him.

However, when faced with movie promotions later in the year, he spent a large amount of money on promotions, which suddenly reduced the cash balance in his account to less than 100 million.

But now that the movie has been released and the box office share will be settled one after another, Lu Yuxiang came to visit Song Qi again. The purpose is naturally to attract deposits and ask Song Qi to keep the money in the branch as much as possible.

The total box office of "Jurassic Park" is more than 8 billion, but after excluding the theater share and Mossad's share, Miracle can get a total of just over 3 billion.

This is a lot of money!

You know, in some county-level cities, a deposit of 50 million is enough to support a small bank.

And some large companies with a scale of hundreds of billions may not even have a profit of 3 billions a year!

A cash flow of three billion is still a piece of fat even for a big bank like Chaolu District Branch, so just after the Spring Festival, Lu Yuxiang took his business manager to Miracle Culture to visit Song Qi.

Lu Yuxiang is a middle-aged man in his early forties, but in the banking system, being able to serve as the vice president of the Capital Branch at this age is considered young and promising.

He has a good way of talking and doing things. Among the flower baskets he received when Miracle Culture was unveiled earlier, he sent one in the name of the branch.

After meeting, he started chatting with Song Qi.

Although he is much older than Song Qi, he always behaves very appropriately in front of Song Qi, and his jokes are also very moderate. It is very easy to chat with him.

After chatting for a few words, Lu Yuxiang began to try to bring the topic to the point: "Mr. Song,

At the beginning of this year, the front-line employees in the industry underwent extensive rotation. Although we have taken some management measures, I don’t know whether you will adapt to the changes in personnel."

"It's good. Manager Wang is very professional."

Song Qi smiled and nodded to Manager Wang who was accompanying him. This year, the account manager with whom he was doing business has been replaced by Manager Wang. It was Manager Wang who followed Lu Yuxiang to visit Song Qi last time.

"Then I'll feel relieved."

Lu Yuxiang nodded with a smile, looked at the young manager wearing silver-rimmed glasses, and introduced to Song Qi: "This is the new financial manager in our bank, named Ma Guangyuan. Mr. Song, your movie is a hit at the box office. If you have

For financial management ideas, you can consult Manager Ma at any time.”

Manager Ma came forward and politely handed Song Qi a business card. After Song Qi took it, he looked at it casually and put it aside.

Looking at Lu Yuxiang, Song Qi said with a smile: "I don't have that idea for financial management at the moment, but I would like to know about your bank's loan policy."

"loan?"

Lu Yuxiang was stunned and couldn't help but feel overjoyed.

Banks make money from loans and financial management. He originally wanted to trick Song Qi into taking some money to manage finances, but he didn't expect that he would get an unexpected gain.

But after thinking for a moment, he couldn't help but ask doubtfully: "Mr. Song, are you ready to invest or expand your business?"

He has already calculated that the box office share of Song Qi's movie will be at least three to four billion. With such sufficient cash flow, he still needs a loan. So Song Qi is either preparing to invest in big projects or to expand.

It's business.

"Sure enough, I can't hide it from President Lu's discerning eyes!"

Song Qi laughed and nodded, and said seriously: "I plan to buy some shares of theater chains, and then build some theaters myself to build Miracle's own theater chain. It will cost a lot of money, so I want to ask Lu Xing

Is there anything I can do?"

When Lu Yuxiang heard this, he was a little moved.

He thought for a while and asked: "So, are you going to repay the loan you have at the Mossad Bank in Afghanistan first, or do you want to pay it back later?"

Mossad's loan to Song Qi was withdrawn from Miracle's public account, and Lu Yuxiang naturally knew about it.

"It will be all right."

Song Qi gave an ambiguous answer: "I'm not in a hurry to repay the money over there, and if I need money urgently, I can borrow some more, but it's too troublesome to use foreign exchange for cross-border funds, so I wanted to ask you

Coming."

Lu Yuxiang adjusted his sitting posture, rubbed his knees, and said with a smile: "Since you are investing in China, it is of course the most convenient to get a loan from a domestic bank. On behalf of ICBC Chaolu District Branch, I can assure you that we will definitely provide you with the best

Excellent service.”

"President Lu, please don't rush to make promises. I just want to ask first."

Song Qi knew that he was afraid that he would turn around and ask Mossad for a loan, which was why Song Qi said this deliberately.

After giving him a cigarette, Song Qicai smiled and asked, "If I go to your branch for a loan, how much loan can you give me?"

This matter is very serious and cannot be answered casually. Lu Yuxiang took a puff of cigarette and then asked seriously: "What is the collateral?"

"Company shares." Song Qi replied calmly.

Lu Yuxiang nodded, no surprise.

Miracle has no fixed assets, and the only things that can be mortgaged are shares.

However, the shares of Miracle Culture are still worth some money. Whether it is the previous "Snake God Apep" or this time "Jurassic Park", their results have proven that Miracle is still very good at making money.

of.

But returns are often accompanied by risks. The biggest risk of Miracle is that its business core is too concentrated and the industry's competitiveness is unstable, because Miracle relies almost entirely on Song Qi's creative ability to make money.

He has seen the account status of Miracle. Currently, most of Miracle's profits come from the box office share of movies and the continued income from online box office.

The only income other than the box office is the money earned from selling peripheral models during this year’s Spring Festival.

However, Miracle has great potential in the future, because Miracle has begun to expand its industrial business. For example, the development of peripheral products and the construction of the Miracle Island Dinosaur Park project all prove that Miracle's ambitions are not limited to the movie market.

When banks evaluate customer qualifications, in addition to the explicit indicators of various assets, liabilities, financial investment and other businesses, the customer's own vision and personal abilities are also very important hidden indicators.

Banks have to consider risks, and the loaned money must be recovered. If the customer himself cannot make money, how can he be expected to repay the loan?

Song Qi is undoubtedly very good at making money, and his vision and structure are not low. Lu Yuxiang thought about it for a while and then said seriously: "If you use 20% of Miracle Culture's shares as collateral, our branch can provide you with at least 500 million."

Low-interest loans!”