The Godfather of Business Reborn

At this point, Liu Min looked slightly serious, then lowered his head and pondered for a moment, then raised his head and slowly told Zhao Tian. After Zhao Tian listened carefully, he immediately knew that Liu Min's garment factory was encountering problems.

In fact, the problems Liu Min Garment Factory encountered this time were related to the suggestions made by Zhao Tian last time.

Liu Min's garment factory was established in 1992. At that time, when Chief Designer Deng was touring the south, he had just formulated the economic policy of transforming the planned economy into a market economy for the country's future economic development. Liu Min immediately

Relying on his keen sense of touch, Liu Min sensed the opportunities. Then, Liu Min resolutely gave up his iron job in the government department, spent all his savings to start a business, and established this clothing factory.

Fortunately, at that time, due to the successful rise of major southern cities such as Guangdong and Shenzhen, the Chinese people no longer held hostility towards these national private enterprises and viewed them with a hostile attitude. Therefore, after 12 years of development, Liu Min's clothing

The factory finally got on the right track. And Liu Min finally made some capital through this garment factory and found her own value.

However, since 1996, as China's economy has gradually improved, more and more people have gone overseas to do business, and the clothing industry happens to be one of the most popular industries.[

As a result, in this small county with a total area of ​​just over 1,000 square kilometers, six or seven garment factories suddenly popped up. These factories were large and small, with hundreds of workers and equipment.

Semi-automatic and semi-manual, in 1997, it was considered very advanced, but the small workshop was just a small workshop with 67 people, and the workers used only the oldest hand sewing.

Although Liu Min's garment factory was the first to be established in the county, due to insufficient funds, it was only a small and medium-sized factory among the five or six garment factories. It turned out that there was only one garment factory in the entire county, and Liu Min's

Although the business is not a big hit, it has finally made some money, but now 56 garment factories suddenly appeared to compete for business. The business volume of Liu Min, a small and medium-sized garment factory, suddenly plummeted. Regarding this situation, Liu Min

Min and Yang Qun were helpless.

Fortunately, Zhao Tian provided Liu Min with a way.

First of all, it is rectification. The garment factory that originally had many management loopholes will be rectified according to the management methods of modern enterprises. All departments will be unified, and then a famous fashion designer will be invited to design the patterns, instead of the previous

Same, I make all kinds of clothing, but I am not famous for any type of clothing.

At the same time, the brand was registered and the brand's reputation was built through a series of marketing methods. In Zhao Tian's memory, in his previous life, all the famous state-owned brands started with this method.

In addition, Zhao Tian also made a suggestion to Liu Min, that is, temporarily register a school uniform brand. In this small county, there are three primary schools, three junior high schools, and two high schools. The uniforms of these schools every year are based on the provincial regulations.

The well-known school uniform brands in the city have to find clothing factories to make them themselves. When the clothing factories send the school uniforms to various schools, new styles have already appeared for those well-known school uniform brands in the provinces and cities.

As a result, the school uniforms worn by students are not only old-fashioned and lack new ideas, but the school also wastes a lot of money on it, which is really not worth the gain.

In this case, Liu Min can first establish a campus brand, ask the invited designers to make several novel school uniform patterns, and then send special personnel to each school to negotiate school uniform agents. As long as the various schools in the county are temporarily

Taking it down will naturally extend the life of the garment factory. As for the registered commercial brand clothing, the brand can be created and put into production after the factory has sufficient funds.

Liu Min has been preparing for a long time according to the plan given by Zhao Tian. Now the factory reorganization has been completed and the designer has been found. However, new problems have also arisen. The first is the lack of management talents. Now after the rectification, the various functional departments of the factory are relatively

Because of the serious shortage of middle-level managers and lower-level managers in the factory, many functional departments cannot operate as usual.

In addition, due to the increase in clothing manufacturers in the county, many people have set their sights on the school uniform brands in the county. As a result, the school uniform brands that everyone was originally interested in have suddenly become the hot cakes that everyone is fighting for.

Steamed buns, many people want to take a bite of this big cake, so now many small clothing factories have been eliminated directly without going through competition.

Although Liu Min's clothing factory has not been eliminated, it is currently very uncompetitive in the competition among campus clothing brand agents who have more monks and less meat.

After Zhao Tian heard Liu Min's story, he couldn't help but close his eyes and meditate for a moment. Then he raised his head, looked at Liu Min who was full of expectations, sighed, and said

"Aunt Liu, after all, the scale of our factory is still too small, so even if we have good designers and good product samples, we are still not competitive with those large clothing factories. I am sorry for that.

There are two suggestions for you to consider. As for how to solve it, it depends on your decision, Aunt Liu."

After hearing what Zhao Tian said, Liu Min couldn't help but look excited, and she urged him:

"Xiaotian, please stop being so pretentious and tell Aunt Liu what you think. As for whether it's suitable, Aunt Liu will naturally consider it with the family."

Seeing this, Zhao Tian nodded, and then said with a serious face

"Now that the biggest problem of Aunt Liu's factory is its scale, then we only need to expand the scale. However, if this happens, there will be problems with the factory's capital connection. My approach to this is: first, mortgage loans,

Since Chief Designer Deng’s southern tour in 1992, China’s commercial national policy has changed greatly. In response, various banks have also changed many loan methods, and these methods are very beneficial to small businesses like us.

Yes, most of the current Chinese businessmen have not yet reached the stage of rectification and reorganization, so there are rarely problems with capital connection. As a result, many people have not realized that you can also use assets as collateral for loans.

way to carry out enterprise development. Therefore, if we are the first enterprise to make self-mortgage like a national loan, we will more or less get some preferential treatment. However, when taking out a loan, the amount of the loan and

Aunt Liu needs to carefully consider the repayment period, as well as the interest rate of bank loans and other issues.

In addition, we can also carry out financing and restructuring. However, if we want to carry out financing and restructuring, because our company has not yet reached the ability to go public, we can only find some people who are interested in clothing and have spare money to carry out private ownership.

Capital financing. The advantage of this method is that it can make the development of the enterprise relatively stable and will not place too much burden on managers and enterprises. However, the limitation is that the pace of enterprise development and transformation is relatively small, and funds that cannot be obtained from bank loans are sufficient.

"

After Zhao Tian said such a long speech, he couldn't help but feel his mouth was dry. He saw a cup on the table and didn't think much about it. He grabbed it, raised his neck, and drank the liquid in the cup. He just drank.

Afterwards, Zhao Tian couldn't help but secretly smile bitterly. What kind of water was in this glass? It was obviously a glass of very pure liquor. Fortunately, in his previous life, Zhao Tian had a good drinker, so he drank up the glass.

After drinking some liquor, his face was just slightly red, and he was not drunk yet. Otherwise, Zhao Tianke would have made a big fool of himself today.[

While Zhao Tian drank a glass of white wine, Liu Min was still thinking about the two methods Zhao Tian said, and did not notice Zhao Tian's abnormality. Only Yang Li, who was doing something on one side, took Zhao Tian's actions seriously.

In his eyes, Yang Li naturally knew that his father had a hobby of putting wine glasses on the coffee table, so when he saw Zhao Tian's embarrassment, his face was filled with gloating.

When Zhao Tian saw Yang Li's expression, he couldn't help but feel a secret pain in his balls.

"Xiaotian, the two methods you mentioned are indeed effective solutions to solve the problems that occur in the factory today, but their respective limitations are also very large, so Aunt Liu really couldn't make a decision at the moment."

After thinking for a long time, Liu Min raised his head and said to Zhao Tian with a slightly serious face.

After hearing Liu Min's words, Zhao Tian smiled slightly again.

"Aunt Liu, actually you still haven't let go of your mind. Since both methods have their own limitations, but each has its own advantages, why don't we combine the two and proceed at the same time? In this way, for bank loans,

The burden is much reduced, and at the same time it can steadily promote the scale of the enterprise, so why not?"

After hearing this, Liu Min couldn't help but his eyes lit up. Then he patted his forehead with a smile on his face and said with a slight self-mockery.

"Look at Aunt Liu's mind. She has been so annoyed by all these messy things these days that she didn't even think of such a simple solution. In the end, it was all thanks to your reminder, Xiaotian."

Zhao Tian chuckled and said with a hint of compliment.

"Where, Aunt Liu is a person who does big things, so she focuses on big things, but I am just a 9-year-old child, so I focus on immediate interests, so what I see,

It’s a little more comprehensive.”

"You little guy, you're actually doing this with Aunt Liu, but I have to say, your little guy's flattery makes Aunt Liu really comfortable when you shoot her, haha."

After hearing what Zhao Tian said, Liu Min couldn't help pinching Zhao Tian's face with caution, then covered her mouth and smiled.

Seeing this, Zhao Tian hurriedly pretended to be guilty, blinked his big eyes, and looked at Liu Mian who was smiling happily, with a look of grievance on his face.

Yang Li on the side, seeing Zhao Tian's expression, immediately smiled and put his arms around Zhao Tian's neck, and said with a smile.

"Okay, you guy, don't use this trick to deceive my mother. My mother will not be easily fooled by you."

After Zhao Tian heard Yang Li's words, the grievance on his face immediately disappeared, then he shrugged his shoulders slightly and said in a so-called tone

"Since that's the case, I won't act anymore. It's very tiring to act cute and pretend to be innocent and feel wronged."

After hearing Zhao Tian's words, Liu Min and Yang Li, mother and son, were all amused by Zhao Tian's rapidly changing cousin and burst into laughter. Only Zhao Tian himself was enjoying himself playing with the cup in his hand.

In this way, after the three of them laughed and joked for a while, Zhao Tian then asked in a seemingly intentional manner.

"Aunt Liu, since you plan to carry out bank loans and private financing at the same time, have you thought about who to get financing from?"

After hearing what Zhao Tian said, Liu Min also frowned and said

"Speaking of which, this is really a problem. Most of the current domestic enterprises are state-owned enterprises. Although many private enterprises have appeared in recent years, they are all very small in scale. There are also very few companies and manufacturers that can spend hundreds of thousands to cooperate with us.

For financing, in the minds of current domestic private enterprise owners, it is better to spend hundreds of thousands to finance than to use hundreds of thousands to run a business. Whether it is real estate or the food industry, it is better than using it to finance a clothing industry.

The factory should be better at financing.”[

Zhao Tian nodded after hearing Liu Min's words.

"What Aunt Liu said is exactly what domestic business owners are thinking now. As a result, if Aunt Liu wants to use financing to reorganize assets, I am afraid it will be difficult to find companies that come to help Aunt Liu with financing. As for those who can get

Enterprises that can earn so much money are probably only those state-owned enterprises that rely on state support. However, in today's society, these state-owned enterprises have long been ruined due to complicated internal management and corruption.

It has become like an old man in his old age, gradually declining. I am afraid that if Aunt Liu went to find them for financing at this time, most of the results would end in failure."

After hearing Zhao Tian's analysis, Liu Min nodded in agreement, then frowned and said

"Xiaotian, I wonder if you have any good ideas?"

Zhao Tian waited for a long time, and finally when Liu Min said this, he couldn't help but feel refreshed, and said

"Aunt Liu, I know a rich man. If he can come up with money to help Aunt Liu with financing, I believe our plan will almost be successful."

Liu Min's eyes suddenly lit up after hearing Zhao Tian's words, and he spoke with a slightly urgent tone.

"Oh? I didn't expect Xiaotian to know such a person. Xiaotian, are you sure you can convince this rich man to invest in us?"

"I'm sure of it, but I estimate that he may not invest too much money in the early stage. At most, he can spend about 400,000 yuan to help Aunt Liu operate."

After hearing this, Liu Min suddenly felt happy and said

"That's enough, that's enough. 400,000 yuan is enough for financing. As for what's not enough, I can use asset-backed loans to solve the problem. In this way, our factory's funds will be sufficient."

Seeing what Liu Min said, Zhao Tian nodded again and said with a smile.

"That's good, but Aunt Liu, you have to give me a month. After all, we have to convince others to invest. We also have to be patient. Within this month, Aunt Liu can first discuss the bank loan."

, I estimate that after a month, when Aunt Liu has almost finished talking about the bank, my problem will be solved."