Rebirth of the 92 Business Tycoon

Lin Hui is now earning tens of thousands of dollars a month and feels unreliable. Feng Yiping earns at least one million a month, but now she seems to have to borrow money. No, professionally speaking, it is financing.

No other company lacks capital, but Yijia Hotel is lacking.

However, Yijia Express Hotel has developed rapidly and is now planning its twelfth store. Except for the first store, which bought the property rights, all other properties are leased properties. However, the average cost of renovation for each store is more than 3 million. Although the account is still relatively abundant, according to the current development trend, funds are expected to be tight in half a year.

And banks are not parents, and they don’t give it right away. If they don’t have confidence in the financial status of the company, it’s not that there are several banks chasing behind to grant credit, borrowing from the bank for the first time, and doing this work six months in advance, it can’t be said. It is abundant.

Later, Feng Yiping only opened a small company, and he was very conscious that he would not go to the bank to make a fuss.

When a man feels the most frustrated, in addition to being rejected by the goddess, he spends a lot of time and energy, prepares and submits a lot of information to loan according to the requirements of the bank, and then there is a very polite and light sentence, "Your company does not satisfy our bank. Loan terms!"

You who thought it was okay to be mixed, at that moment, you definitely couldn't straighten your waist.

But now it's different. Several banks are doing work, vying to get them to get loans. They didn't dare to ask the bank before. Now the bank begs himself, Feng Yiping feels a little bit turned over.

In the meeting room of Yijia headquarters, after looking through the thick information, Feng Yiping said, “I don’t need to look at it carefully. There is no debt, the cash flow is abundant, and the main business income growth rate is at least 50%. On average, The metal product company with the lowest operating efficiency has an operating profit margin of more than 15%, and its fixed asset valuation is also more than 300 million yuan. With such data, do I need to worry about loans?"

Everyone who was sitting laughed. The company has never been short of money, this year mainly because it bought a piece of land in Hainan. Preparing to build a hotel and Yijia's progress is too fast, there may be a funding gap in the second half of the year.

"What is the one-year interest rate?" Feng Yiping asked Li Lin.

"The banks are similar, with the lowest at 5.35."

Feng Yiping is a bit painful. If he borrows 200 million yuan, he can also buy a current top-level villa in the capital for one year's financial expenses.

He still has nearly 50 million U.S. dollars in the account of UBS in Hong Kong. As long as he invests in, he can make a turnover. However, it is easy for the funds to come in and difficult to go out. Especially the U.S. dollar, the U.S. dollar comes in, but the renminbi comes out.

Say it again. Although the money is idle now, it can bring a high return as long as it is used once. The start-up capital of other projects in the future will depend on the gains in the financial market, and it still can't be moved.

"Prepare with both hands. Don’t rush for loans, hang on to the banks that are in a hurry. Do another thing first, Mr. Li," he told Li Lin, "You’ll start immediately and set up a fund management center. The main function is to raise, Allocate, use, manage and supervise the funds of the subordinate companies to maximize the efficiency of capital use.

At the same time, explain the work to the related banks and the industrial and commercial departments. In the future, companies can make internal deposits, internal borrowings and repayments in the fund management center. I guess they will definitely demand that this is paid? "

Companies are not the same as individuals. It’s okay if we ask friends to borrow money in an emergency. It doesn’t matter if we don’t pay interest, but companies are different. Don’t talk about account fund withdrawal procedures, even if the financial transactions between the same boss and related companies are not handled properly. For example, if no interest is charged, there is a possibility of tax evasion or withdrawal of funds.

"With our current relationship, the work of the bank and the industrial and commercial department is easy to do. Internal borrowing must be paid, and it is good to collect the occupation fee. We can refer to the bank interest rate and appropriately increase the fund occupation rate of internal deposits, and appropriately lower it. The occupancy rate of internal borrowing will not leave the deposit-loan spread in the management center.

However, the workload of this work is very large. The formulation of related processes requires time. It also takes time to sort out the accounts of various companies. At the same time, it will also add a lot of accounting subjects. In addition, regarding financial processing and statements and reconciliation It’s best to let Zhitong add relevant modules to the financial software. "Li Lin thought for a while, and answered Feng Yiping's question completely.

"President Hong is here today. For software issues, you communicate with him yourself. In four to five months, can all these be straightened out?" Feng Yiping asked.

Li Lin thought for a while, "I have no problem here,"

Hong Haoran said, "Just add some modules, it will not take more than two months,"

"That's good. Now let's calculate how much surplus each company will have in half a year. My side, the Hong Kong magazine, will be able to withdraw at least 20 million by then." He said this is the income of the Chinese version, as for the English version. The advertising revenue of the version is all settled in US dollars, and he does not want to move for the time being.

“It’s no problem for a decoration company to spend 30 million. Excluding cabinet factories, furniture factories can also draw 10 million," Mei Yiliang said.

"After deducting the cost of opening a branch in the United States in the middle of the year, Zhitong will be able to set aside at least 10 million by then."

"Youjia's pace of expansion has never stopped, but with abundant cash flow, it is no problem to withdraw 20 million."

"Mr. Xu, at your own hotel, how many hotels will be open by then, and how much is expected to be able to make blood?" Feng Yiping asked Xu Bin, Express Hotel is not a convenience store, and now it takes less than a month from preparation to opening of convenience stores , And for a Yijia branch, it will take at least one quarter from the preliminary preparation to the official opening.

"At that time, 15 stores will be officially opened, based on the current average occupancy rate of 63%, plus the Jiasheng Hotel opened after the National Day," Xu Bin clicked on the calculator, "25 million to 3000 Between ten thousand,"

"Just count at 20 million, so that excluding logistics companies, metal products companies and other companies, everyone sitting here will be able to withdraw 110 million in half a year, a 40% off, and it will be more than 65 million. It's just the right strategy, at least this year there is no need to raise funds from the bank." Feng Yiping stared at Li Lin.

"Ideally, this is the case," Li Lin said.

"Well~www.wuxiaspot.com~ I officially decided that financing matters should be suspended. In addition, I emphasized a discipline. Even if you want to borrow from a bank, the fund management center is responsible for all loans. All companies are not allowed to engage with the bank privately. Get in touch." Feng Yiping was very happy to save a villa after doing so.

"Also, Yijia's website must be established as soon as possible, and online reservations will be realized in the second half of the year, and the membership system will also strive to be put into use as soon as possible. Various promotional activities, such as booking through the 400 phone call, will be considered Discount. As for whether it’s 98% or 5%% off, it’s your specific consideration. In short, you should do everything you can to increase the occupancy rate and enhance your own hematopoietic function." This is a project he is going to go on the market. Like Youjia, use his own funds to build new branches.

"Yes, these are all being carried out quickly. Our budget is that as long as 30 branches are put into operation, we can expand on our own funds in the future." Xu Bin said.

"Well, while I'm still here, everyone talk about what else is wrong besides funding." After solving the big problem, everyone relaxes.

Gao Zhiyi opened the door and let the two girls outside to refill everyone's tea cups. Feng Yiping didn't notice. One of them was the eldest of Feng Jiasheng's pair of beautiful nieces, Liu Yuanyuan. (To be continued)