1627 Rise of the South China Sea

Chapter 2291
It will naturally not be easy to find a suitable place to open an academy in an unfamiliar place like Guangzhou. Even with the help of Fu Ruifeng, Zhang Jinbao does not expect to be able to find a suitable place in all aspects soon. Very desirable property.As expected, the actual situation was the same. I looked at several places in the world, and there were various problems, and there was no target that would make Zhang Jinbao happy when he saw him.

Zhang Jinbao has to admit that his choices are largely limited by the prices of these real estates, but where the conditions are better, the housing prices are ridiculously high, which he simply cannot afford.And cheap places are either far away from Guangzhou City, or need large-scale renovations, and there are still a lot of hidden costs.

Gan Wei also saw that Zhang Jinbao's budget was limited. If it were someone else, he would suggest that Zhang Jinbao lower his requirements and choose a house with slightly lower conditions.However, Zhang Jinbao has some special requirements for the size and structure of the academy. It is not for self-occupancy, and any house can be used for improvisation, so there are really not many goals that Gan Wei can provide him with.

"Master Zhang, it's not a villain complaining about anything, but you have so many demands on the house. To be honest, there may not be a few places in Guangzhou City that can satisfy you. At most, it will take a day or two, depending on the conditions inside and outside Guangzhou City. It’s quite a house to see.” Gan Wei kindly reminded Zhang Jinbao when he said goodbye to Zhang Jinbao at the end of the day.

Zhang Jinbao expressed his gratitude to Gan Wei, but he was not in a hurry. He knew that he still had a way out. Li Nai had told him before that if he couldn't find a suitable place in Guangzhou, he could consider using the property under the Li family's name. .Although he hasn't done a field trip yet, he thought that Li Nai had done a field trip to Jonesy Academy before, and they had communicated with them many times about the site selection requirements of the branch. Presumably, the property that Li Nai took the initiative to recommend should have the same conditions. It is more suitable for the requirements of opening a branch.

Of course, Zhang Jinbao would not let Gan Wei's busy day be in vain. Before leaving, he still rewarded the other party with two ingots of broken silver, and Gan Wei left with a smile on his face.

Zhang Jinbao returned to his residence, only to find that there were guests visiting.The visitor was a 30-year-old middle-aged man who looked quite capable.Zhang Jinbao was guessing whether the other party was someone from the Guangzhou Office, and the man had already introduced himself: "I am Guo Huan, the person in charge of the local branch of Haihan Bank. I hope Dean Zhang will forgive me for coming here uninvited!"

When Zhang Jinbao heard that the other party was actually from the bank, he was also a little confused. He didn't understand why the other party would take the initiative to visit him.However, he knows that Haihan Bank is actually a state-owned bank with great strength, and those who can hold senior positions in it are almost all apprentices taught by high-level officials of Haihan, and their identities may be more respected by high-level officials than ordinary officials. trust.

Zhang Jinbao didn't dare to be negligent, invited Guo Huan to sit in the study, served hot tea, and then politely asked him why he came.

Guo Huan didn't hide it, and asked straight to the point: "I heard that President Zhang came to Guangzhou this time to inspect the place and open a branch here in Guangzhou?"

"The shopkeeper Guo is well informed... That's true. I plan to open a branch in Guangzhou, but this matter is still in the preparatory stage." Zhang Jinbao is not clear where Guo Huan got the news, but since the other party is a semi-official person, Speaking of being one of our own, there is no need to hide the purpose of this trip.

Guo Huan smiled and said: "Dean Zhang may be curious about where I got the news, but to put it bluntly, it's not surprising that my brother-in-law works under the mayor of Danzhou Zhang, so I don't care about the news of Jonesy Academy. I also understand the recent situation. I came to visit Dean Zhang today, mainly to find out whether there is sufficient funds to open the Guangzhou branch? If there is anything I can help, Dean Zhang must not be polite .”

Hearing his explanation, Zhang Jinbao understood the ins and outs of this matter, and he dared to say that Guo Huan came to sell his loan business.

Although Zhang Jinbao was short of money, he had not considered borrowing from the bank before, because borrowing money required collateral, and the most valuable thing in his hand was Jonesy College.Zhang Jinbao thinks that borrowing money as collateral to open a branch hospital, if something goes wrong in the middle, the two ends may be lost. This kind of risk is too great, so he excluded the loan as a means of planning from the very beginning. In addition, it seeks to cooperate with Freedom, hoping to reduce the cost of the start-up phase through such means.

But I didn't expect that the people in this bank were quite active, and they came to seek cooperation after receiving the news.The news was transmitted from Danzhou to Guangzhou, and it was quite efficient. Zhang Jinbao reckoned that it should be transmitted by telegram, which made Guo Huan take action so quickly.

"That's really troublesome shopkeeper Guo Guo!" Although Zhang Jinbao had some opinions on this matter in his heart, he didn't show it at all on the surface. He was still smiling, but he didn't mention whether he wanted to borrow money from the bank.

Guo Huan went on to say: "Dean Zhang, if you want to open an academy in Guangzhou, the initial cost is quite high. If you find outsiders to cooperate, you will have to exchange part of the operating rights of the academy, which may affect the future of the academy." Stable. Instead of this, it is better to borrow money from Haihan Bank. You only need to pay very low interest to get a lot of money, and the repayment time can be extended to ten or eight years according to the operating conditions of the academy. The most important thing is , the academy is still in your hands from the beginning to the end, and will not leave hidden dangers in the future because of the current funding gap. You might as well think about it carefully."

I have to say that after hearing Guo Huan's words, Zhang Jinbao was still slightly moved.The cooperative school plan he talked about with Li Nai, of course, requires Freedom to bear a part of the initial start-up costs. Whether it is direct payment or the real estate required for the academy, it will be discounted as shares in Freeform.In return, in addition to setting up some professional subjects required by Furuifeng in the Guangzhou branch and cultivating talents for it, Furuifeng can of course also participate in the daily operation of the academy.

Whether this kind of cooperation will affect the ownership and daily operation of the academy, Zhang Jinbao actually dare not be 100% sure.If Li Nai or Fu Ruifeng intends to enter the cultural and educational business, then this cooperation project with Jonesy Academy is probably an excellent entry point. Maybe in the future, they will directly pay a sum of money to take this Guangzhou branch back to Furui It is also possible under the name of Feng.

Of course, in the implementation of this project, risks and benefits coexist.Li Nai will not ask Jonesy College for collateral, and the funds or real estate he invested will not need Jonesy College to repay.According to this calculation, Zhang Jinbao can save at least tens of thousands of start-up funds, and this money is most likely equivalent to the total income of the branch in the first few years of operation.

Zhang Jinbao pondered: "Then I don't know how much money shopkeeper Guo can give me if I want to borrow money from the bank?"

Guo Huan said: "For a person with assets in the country like Dean Zhang, the amount is definitely negotiable, it depends on how much you need to borrow!"

Seeing that he spoke easily, Zhang Jinbao immediately asked tentatively, "Can I borrow 20 and [-]?"

"You can borrow even more." Guo Huan replied with certainty: "Dean Zhang, don't underestimate your credit. Fu Ruifeng is willing to cooperate with you. In fact, one of the important reasons is because You and Jonesy College have a good reputation. Of course, this is also the reason why I took the initiative to visit you."

Zhang Jinbao said: "But credit can't be spent directly as money! If you want to borrow money from the bank, you have to take other things as collateral, right?"

Guo Huan nodded and said: "This is the bank's rules, I believe Dean Zhang can understand."

Zhang Jinbao said: "But apart from Jonesy Academy, I don't have any valuable property, but I want to mortgage Jonesy Academy, to be honest, I really dare not take this risk."

Guo Huan said: "Dean Zhang, as long as you continue to operate the Jonesy Academy, you don't have to worry about any risks. As I said just now, the interest can be kept to a minimum for you, and the money can be paid back slowly. Urgent. After ten or eight years, maybe you have already opened several branches, and Jonesy Academy is already worth a hundred times, so what is this little borrowing?"

Zhang Jinbao would be lying if he said that he was not moved. Guo Huan's suggestion was actually very tempting. Of course, he also hoped that Jonesy Academy would be in his own hands from the beginning to the end, and it was completely up to him. There are inevitably some scruples.

Zhang Jinbao said: "Treasurer Guo, please forgive me, if I borrow this money from the bank in the name of Jonesy College, will it benefit you personally? What I mean is...benefits other than money."

Zhang Jinbao saw that Guo Huan was working so hard to facilitate this matter, and he always felt that the other party should have a plan, and it was not just to get a commission from this business.Since there was no third person present, he simply asked his doubts.If this question is not answered, then he will always feel that it is not appropriate to borrow money from the bank.

Guo Huan was silent for a while, as if weighing how to respond to this question.Zhang Jinbao didn't rush, and quietly waited for the other party's answer.

Guo Huan finally opened his mouth and said, "I heard that Jonesy Academy also offers a financial discipline that has only emerged in recent years, so Dean Zhang must know a thing or two about the operation of banks. If a bank wants to make a profit, it has to borrow the money in its hand. Just go out, the principle of this, there is no need to explain further, right?"

Zhang Jinbao nodded slightly, expressing his approval of Guo Huan's words.The operation of Haihan Bank is actually similar to that of the banks in the past. They all rely on lending and earning interest to achieve profits. This principle is basically known to everyone.

Guo Huan went on to say: "Of course, Haihan Bank's users are mainly Chinese businessmen, but they come to Guangzhou to engage in trade activities, but they rarely make large investments here. , and this will not produce much profit for the bank. The money in the treasury cannot be borrowed, and the bank is operating at a loss. If it keeps losing money, it means that the management is not doing well. If Dean Zhang wants to know the reason, That should be the main reason."

Hearing this, Zhang Jinbao roughly understood Guo Huan's situation.To put it bluntly, the branch opened by Haihan Bank in Guangzhou usually does not get much loan business, and the bank cannot make a profit, and Guo Huan, as the person in charge, is naturally to blame.If he wants to change this situation, the most effective way is of course to try to contact customers to get loans from the bank. Compared with the local Ming merchants, it is obviously easier to persuade the merchants from Haihan.

But there is a prerequisite for this, which is to confirm that the target object has the intention of investing in Guangzhou for long-term operation.In fact, there are quite a few Haihan businessmen who have such intentions, and the number of those who buy houses and open shops in Guangzhou is increasing every year.But the problem is that most of these businessmen who come across the sea to Guangzhou to do business are strong and do not need to borrow money to operate, so it is not so easy for Guo Huan to find a suitable partner.

But this time he learned in advance of Zhang Jinbao's plan to open an academy in Guangzhou through his own news channel, and he keenly felt that this might be a potential client.The academies in this era are originally a business with high investment and low output, and Jonesy Academy is said to have contacted Fu Ruifeng to seek cooperation, which is obviously a signal of lack of money.

A big project, lack of money, and coming from the mainland of Haihan, these elements combined, in Guo Huan's view, it is an ideal target.So he specially arranged for someone to watch Fu Ruifeng's wharf on the bank of the Pearl River in advance, waiting for Zhang Jinbao to arrive.After confirming Zhang Jinbao's residence, Guo Huan took the initiative to pay a visit.

Zhang Jinbao said: "But even if I borrow money from shopkeeper Guo, the amount is limited after all, and I am afraid it will not be enough to change the business situation of the Guangzhou branch."

Guo Huan said: "President Zhang's borrowing amount is second. The main thing is to have a good example, so that it is easy to promote the bank's loan business to more people. Jonesy Academy has always had a good reputation in the country. There is no need to explain further, as long as the signboard of the academy is displayed, everyone will know that this method of borrowing is reliable."

Guo Huan even praised Jonesy Academy faintly, which also made Zhang Jinbao feel comfortable. If Haihan Bank can be regarded as a model for Haihan businessmen operating overseas, then it is actually a good example for the academy. An excellent publicity channel.Moreover, Zhang Jinbao also understands that the sooner he participates in this kind of thing, the greater the benefits. When the business of the Guangzhou branch gradually improves in the future, there may be no room for bargaining with Guo Huan.

Zhang Jinbao thought for a moment before responding: "What the treasurer Guo said is indeed reasonable, but I have discussed the plan of cooperating with Fu Ruifeng before. Ruifeng kicked him away? It's reasonable, and it's hard for me to explain to the other party."

(End of this chapter)