Technology: Start by selling mobile phones

"Mr. Mo, we meet again."

On July 17, the day after "Yellow River Storage" broke its monopoly and officially announced that it could produce "3D-NAND" flash memory particles, Director Wang, who had previously accompanied Luo Jiangguo, came to visit again.

Unlike yesterday when he was still confused when he heard the news, after a day of understanding, Director Wang now fully understands how awesome it is to be able to produce "3D-NAND" flash memory particles!

"Mr. Mo, congratulations to you! Unexpectedly, our 'Yellow River Storage' has broken another foreign monopoly technology!"

"I see that netizens on the Internet are discussing excitedly now, and they all call us 'Yellow River Storage' the light of domestic products. If I say so, it is really well deserved!"

Director Wang complimented him politely as soon as he walked in. Mo Ran responded with a smile. He knew that Director Wang would definitely go to the Three Treasures Hall for no reason.

really.

After some compliments, Director Wang sat down on the sofa, took a sip from the tea cup, and said seriously:

"Mr. Mo, to tell you the truth, the leaders of the city and the province have seen the news about our 'Yellow River Storage', and they all attach great importance to your major breakthrough!"

"So I was specially sent here this morning to ask if you have any difficulties. If so, feel free to mention it. The city and province will do their best to help you solve it."

When Mo Ran heard this, he suddenly became enlightened.

But think about it, after Bloomberg broke the news that "Yellow River Memory" broke its monopoly and could produce "3D-NAND" flash memory particles, it caused quite a stir on the Internet.

It is even said that the social impact of this matter is even far greater than the actual industrial impact.

At this time, it is normal for the city and province to care about the development of enterprises.

Mo Ran smiled and then said:

"Director Wang, what you said is meaningless. Who doesn't have difficulties in running a business? There must be difficulties!"

"You personally saw our negotiations with the 'Chip Industry Fund' yesterday. Our 'Yellow River Storage' is currently short of R\u0026D funds and is very short of money."

“How about our city allocate some funds to support it?”

Director Wang's face suddenly became a little embarrassed.

"Cough, cough..."

"Mr. Mo, you may not know that the city's finances are also very difficult now. Otherwise..."

"How about we not talk about money? Apart from money, we can talk about other things easily."

"Ha ha."

Mo Ran laughed, of course he was just joking.

In fact, apart from financial support, "Yellow River Storage" has not encountered any major difficulties so far.

In recent years, the business environment in Chengdu and even the whole country has been good. As a high-tech enterprise, "Yellow River Storage" has enjoyed many preferential business policies.

Overall, I am quite satisfied.

but.

Just when Mo Ran wanted to say that there was no difficulty, he suddenly thought of the new factory area that Lao Li from "Wanglong Electrical Appliance Factory" mentioned before.

Previously, I was worried that Nietzsche would be restricted by the United States because of the "Little Horse Crossing the River Pro" NPU chip, so Mo Ran has been asking "Wanglong Electrical Appliance Factory" to continue to stockpile more Qualcomm Snapdragon 845 chips.

This resulted in that in addition to leaving some necessary R\u0026D funds for "Yellow River Storage", most of the liquidity of Nietzsche and "Wanglong Electrical Appliance Factory" was used to purchase Snapdragon 845 chips.

Wanglong Electrical Appliance Factory's plan to relocate to the new factory area has been put on hold for the time being.

Things are a little better now.

After two or three months of continuous hot sales of the "Brilliant S1", Nietzsche's profits have exceeded one billion for two consecutive months, and "Wanglong Electrical Appliance Factory" has also stocked up on Snapdragon 845.

In addition, because the yield rate of "3D-NAND" flash memory particles has increased to 59.7%, it is fully qualified for mass production and sales.

It can be said,

Both Nietzsche and "Yellow River Storage" are currently in a better situation than before.

"It is indeed possible to consider moving Wanglong Electrical Appliance Factory to a new home, or even..."

Mo Ran's mind was racing rapidly. After a few seconds, he looked back at Director Wang, already having a specific plan in mind.

"Director Wang, if you have to talk about other difficulties, you should know that I also have a 'Wanglong Electrical Appliance Factory' under my name, right?"

"Well, I know this. It seems that the scale is not small, there are several thousand people, right?"

Mo Ran nodded.

"Yes, the current old factory area is somewhat insufficient."

"A few days ago, the district gave us some preferential policies to move, but it was delayed due to some things. Now..."

At this point, Mo Ran paused for a moment. Before he could finish speaking, Director Wang immediately responded and said seriously:

"No problem, leave this matter to me."

"No matter what preferential policies the district provided before, our 'Wanglong Electrical Appliance Factory' will also enjoy it after settling in... Oh, no, it should be said that more preferential policies will be provided. I will take care of this personally!"

Mo Ran smiled and nodded, and after a moment, he continued:

"Director Wang, I haven't finished talking yet... there is one more thing."

"In fact, in addition to the growing scale of 'Wanglong Electrical Appliance Factory', you can also see that our 'Yellow River Storage' building is basically fully occupied."

"So actually what I want most is to buy a piece of land from the city and then build a large industrial park by myself. By then, 'Yellow River Storage', 'Wanglong Electrical Appliance Factory' and even Nietzsche will all move in."

Director Wang's eyes suddenly lit up and he nodded repeatedly.

"This is a good thing, Mr. Mo!"

After sighing, he paused briefly and his mind began to work rapidly.

After thinking for about two seconds, he condensed his eyes and suggested:

"Mr. Mo, if I remember correctly, there are indeed several pieces of land currently being auctioned in the city, both in the north and south."

"Especially, the industrial land in the south is not only close to the core residential area in the south, making it convenient for employees to commute to get off work, but it is also close to transportation hubs such as train stations and airports. It is definitely the best port for enterprises."

"It's just that the price of this piece of land is a little expensive, but I can apply to the city to see if the bidding price can be lowered, or some taxes can be deducted."

The smile on Mo Ran's face became even wider, and he happily picked up the tea cup and took a sip.

Before he could speak, Director Wang unexpectedly revealed all his trump cards.

After a moment, he looked at Director Wang and said with a smile:

"Director, it's okay if it's more expensive."

"Actually, as you know, we don't have the money to buy it now, so my idea is, can you give us a zero down payment, or help find a bank to make a 100% land mortgage loan?"

Um? !

Zero down payment?

100% value mortgage?

Director Wang was suddenly frightened and broke into a cold sweat.

Good guy, he just remembered that "Yellow River Storage" had financial difficulties. How could he have any money to buy land? !

Mr. Mo is really a wolf with nothing, and the lion is opening his mouth!

You need to know what the concept of zero down payment is!

The city directly gave the land to "Yellow River Storage" first, and then "Yellow River Storage" slowly repaid the installment loan every month or every year!

Have you ever heard of any city where you can get zero down payment for land? !

And 100% value mortgages are even more outrageous.

As we all know, the maximum mortgage loan is 70% of the collateral. Mr. Mo means that the bank will directly pay the money for the land to "Yellow River Storage", and then slowly pay it back to the bank every month...

Good guy!

This is how outrageous my mother opened the door for me, outrageous as hell.

Thinking of this, Director Wang forced a smile on his face and said with a wry smile:

"Mr. Mo... you are trying to force someone into a difficult situation. I have never heard of a land auction where you can get zero down payment, or you can get a mortgage loan without bidding."

Moran didn't take it seriously and shrugged lightly. But after a moment, the smile that originally hung on his face disappeared, and his tone suddenly became a bit dissatisfied.

He looked squarely in his eyes and said:

"Director Wang, didn't you just say that you can talk about everything else except money?"

"I just want to buy a piece of land now. It's not like I won't give you money, and you refuse."

"Haha, you guys really don't have any sincerity. Is this the attitude that the city and the province said they would fully support? Is it just words?"

Mo Ran's sudden dissatisfied tone made Director Wang confused about the truth and fell into a passive state.

He hurriedly wanted to explain, but was interrupted by Mo Ran speaking again.

"Director Wang, if that's the case, then don't talk about it. We don't have any difficulties. Just report it to the leaders truthfully."

As soon as he said this, Director Wang fell completely passive. He took a deep look at Mo Ran and truly understood how powerful Mo Ran was.

Mr. Mo Ran is really a person who can maximize his profits by seizing any opportunity.

but……

Director Wang was thinking rapidly,

Nowadays, the "Yellow River Storage" has become famous, and city and provincial leaders attach great importance to it. I really can't afford to offend it.

Even if one day Mr. Mo Ranmo mentions in front of a leader that he refuses to help "Yellow River Storage" solve its difficulties, I am afraid that he will still have to go around without food.

Thinking of this, he sighed deeply and already had the answer.

"Mr. Mo, I will personally go to the bank to coordinate this matter and see if they can handle this 100% mortgage loan."

"Don't worry, I will definitely try my best to facilitate this."

Mo Ran smiled and nodded.

In fact, it is not inevitable that Mo Ranqiang wants to take advantage of this. From the perspective of the development of "Yellow River Storage" and "Wanglong Electrical Appliance Factory\

,"Especially for "Wanglong Electrical Appliance Factory", as a high-density and intensive production enterprise with a large number of employees, most of whom are migrant workers, it also needs to provide corresponding accommodation, canteens and other supporting facilities. It does need a larger industrial scale. Park.

For example, the famous BYD Industrial Park in China has more than 200,000 people in one park.

What is the concept of more than 200,000 people?

The permanent population of a county is only about 600,000, and a small industrial park has 200,000 people. Obviously, enterprises need to make very reasonable planning and corresponding supporting facilities in advance.

And this is also the path that most large companies have to take - planning their own industrial parks.

Next, Director Wang did not dare to stay in Mo Ran's office and fled out of Nietzsche's headquarters quickly. After getting in the car, he had a headache.

According to Mo Ran's tone, in order to meet the future scale of "Yellow River Storage" and "Wanglong Electrical Appliance Factory", all the hundreds of acres of land in the south of the city must be acquired, which is worth hundreds of millions.

Moreover, given Mr. Mo Ran’s character, he would definitely not be willing to pay a high interest rate...

But the bank is not a charity, so which bank is willing to accept it?

However, even though he had another headache, Director Wang actively contacted the loan department directors of several large banks established by the Workers' and Peasants' China Construction Association early the next morning.

Just as he expected, when he expressed his specific ideas in the conference room, several banks immediately exploded.

"Director Wang...are you making fun of us? 100% land mortgage loan? You have to know that even the best mortgage - real estate, can only loan up to 70%. Your 100% mortgage loan has never been available from the beginning. Which bank did it?”

"That's right, Director Wang, there is no way we can pass the risk control of this order!"

There was a quarrel in the conference room. Seeing that the opposition was getting louder and louder, Director Wang, who was sitting in the middle, coughed hurriedly.

His voice gradually became smaller and he said hurriedly:

"Everyone, to be honest with you, helping the Yellow River Storage solve its difficulties is the intention of the city and the province."

"I suggest you not to take profits too seriously. After all, Yellow River Storage is indeed our top domestic enterprise."

As soon as he said this, Director Wang thought it would be effective.

Unexpectedly, a moment later, Zhang Xiaoou, the director of the loan department of the commercial bank beside him, coughed lightly.

Everyone immediately looked over. As the largest bank in Yan country, the commercial bank had a relatively high status in the banking system.

He looked at Director Wang and said:

"Yes, Director Wang, I admit that 'Yellow River Storage' has indeed made a huge contribution to the development of science and technology in our country, but the city cannot be so partial to 'Yellow River Storage'. If this opening is opened now, other What should companies do? They all come to us for 100% mortgage loans? Impossible!"

Zhang Xiaoou's words immediately resonated.

"Yes, here's the thing. It's impossible, Director Wang, that the loan interest rate you mentioned does not exceed 3%! You have to know that our deposit interest rates are all 2.6%. If the loan interest rate does not exceed 3%, we will still lose money in this business. !

If we use this loan as a personal mortgage, the interest rate will be at least 5%. How much money will be lost here and there! "

"I also agree that this condition is impossible to fulfill."

The meeting room became increasingly heated, and none of the five major banks was willing to accept Director Wang's business.

A few minutes later, Zhang Xiaoou from the commercial bank looked at his watch and then stood up.

"Director Wang, I have a meeting this morning. Our commercial bank cannot handle your business. Please see if other banks can handle it. I will leave now."

With Zhang Xiaoou's departure, the directors of other banks also left one after another.

Only then did Director Wang realize that this matter was even more difficult than he imagined!

really.

Even though he has instructions from the city and province, the banking system also has its own operating rules. He has people on top. Which of the five major banks doesn't have people on top? !

Director Wang frowned as he looked into the empty conference room.

And the other side.

Just when Director Wang was struggling, on July 19, the fourth day of exposure of "Yellow River Storage" 3D-NAND flash memory particles,

"Yellow River Storage" suddenly became lively.

To be precise, it was lively and tense at the same time.

Someone big is coming.